KR20210086827A - Method for relaying financial transaction for dealing a digital currency in shopping mall - Google Patents

Abstract

The present invention relates to a financial transaction method that allows a user to edit My Mall by the user's own domain to purchase goods, and to exchange points and coins paid for the same. The method comprises the steps of: a step (S7100) of turning on a computer and inputting the URL of company A (smartphone or computer of a subject side); a step (S7200) of providing a non-authentication access program for interworking with company B's shopping mall without authentication by inputting a customer's phone number into company A's shopping mall server computer; an unauthenticated access click step (S7300) in which a smartphone or computer inputs a phone number to access an affiliated site and click an unauthenticated access; and a purchase program providing step (S7400) of providing a numeric domain purchase program in a shopping mall of company B and the numeric domain sales main computer after the unauthenticated access click step (S7300). The present invention relates to a financial transaction relay processing method and system that can transact virtual currency linked with shopping malls.

Description

A financial transaction relay processing method capable of transacting virtual currency linked to a shopping mall linked to a bank {METHOD FOR RELAYING FINANCIAL TRANSACTION FOR DEALING A DIGITAL CURRENCY IN SHOPPING MALL}

The present invention relates to a financial transaction relay processing method capable of transacting virtual currency linked to a shopping mall linked to a bank, and more specifically, to a launch of virtual currency in a shopping mall connected without authentication by a phone number and a point in the shopping mall It relates to a financial transaction relay processing method capable of transacting virtual currency linked with a shopping mall that pursues transaction stability in connection with a bank using a technology linked with a coin according to payment and utilization.

First, in order to help understanding the technical content of the present invention, the present invention relates to another embodiment of domestic patent registration No. 10-1543222 (name: financial transaction relay system interlocked with a phone number and its processing method), and the applicant It is a continuation technology related to the recent patent registration No. 10-2052911, patent registration No. 10-1616266, international patent classification G06Q 20/40 and patent application No. 10-2016-46135, It relates to an electronic payment system and a method therefor using a coin-linked technology according to point payment and utilization.

Referring to FIG. 1 , the financial transaction relay system 2 of the present invention relays bank transactions and e-commerce transactions using a multi-security lock function including fingerprint recognition in an unauthorized access method.

To this end, the financial transaction relay system 2 of the present invention registers as a member through fingerprint recognition, account password authentication, and phone number authentication in the personal financial transaction relay server 100, and the customer terminal 200 and the online banking system 300 ) and the electronic commerce system 400, when performing a financial transaction, an unauthenticated connection is processed through fingerprint authentication.

The financial transaction relay system 2 of the present invention includes communication networks 4 and 6, a customer terminal 200, an online banking system 300, an e-commerce system 400, and a personal financial transaction relay server 100. include

The communication networks 4 and 6 are, for example, wired and wireless communication networks, mobile communication networks, etc., and include the customer terminal 200, the online banking system 300, the personal financial transaction relay servers 100, and the customer terminal 200 and electronic commerce. It is provided as a single or complex communication network that is connected so that data communication is made between the system 400 and the personal financial transaction relay servers 100 .

The customer terminal 200 is provided with, for example, a portable computer or personal computer such as a smart phone, a tablet computer, a notebook computer, etc., and connects to the personal financial transaction relay server 100 through the communication network 4 . The customer terminal 200 accesses the personal financial transaction relay server 100 using a web browser or a mobile application, and connects with the online banking system 300 and the e-commerce system 400 through the personal financial transaction relay server 100 . carry out financial transactions of

The customer terminal 200 includes a fingerprint recognizer 210 that acquires fingerprint information. The customer terminal 200 provides the fingerprint information obtained from the fingerprint reader 210 to the personal financial transaction relay server 100 through the communication network 4 . The customer terminal 200 accesses the personal financial transaction relay server 100 through the communication network 4 and registers as a member. At this time, the customer terminal 200 registers fingerprint information and phone number with the personal financial transaction relay server 100 , and registers the account password registered in the online banking system 300 with the personal financial transaction relay server 100 . .

When registering as a member, the customer terminal 200 is authenticated multiple times by using fingerprint information, phone number, and account password to the personal financial transaction relay server 100 . In addition, the customer terminal 200 provides fingerprint information to the personal financial transaction relay server 100 for financial transactions with the online banking system 300 and the electronic commerce system 400 .

The online banking system 300 is provided in the affiliated bank to process online banking transactions, for example, financial transactions such as deposits and withdrawals and transfers. In the online banking system 300 , the customer terminal 200 is connected without authentication through the personal financial transaction relay server 100 during a financial transaction.

The e-commerce system 400 is, for example, an online shopping mall system such as a department store or discount store, a passenger transportation reservation system such as an airline or railroad, an accommodation reservation system such as a condominium and a hotel, and a cultural performance reservation system such as a movie, a play, a concert, etc. , a leisure reservation system, etc., when using an e-commerce transaction through the personal financial transaction relay server 100, the customer terminal 200 is connected without authentication.

In addition, the personal financial transaction relay server 100 registers as a member through the multi-safe lock module 110 when the customer terminal 200 registers as a member, and provides financial services with the online banking system 300 and the e-commerce system 400 . During transaction, fingerprint information is received from the customer terminal 200 and authenticated, and when financial transactions and e-commerce transactions are performed with the online banking system 300 and the e-commerce system 400, the financial transaction is performed through fingerprint authentication through unauthenticated access. do. This personal financial transaction relay server 100 builds a personal portal site for personal financial transactions.

However, in recent financial transaction technology, along with the advent of virtual currency, link technologies with points that are compensated for product transactions appear, and these are being patented as BMs.

In order to understand these techniques, even in the prior art of FIG. 2, the donor terminal 300 and the donor terminal 400, which are the technical contents forming the basis of the present invention, will be described in detail.

2 is an overall configuration diagram showing a digital virtual currency transaction system having a block chain between parties of the prior invention applied to the present invention.

The donor terminal 300 generates a donor transaction request signal including the amount information of the digital virtual currency having the block chain to be donated and the donor's personal information, and transmits it to the digital virtual currency transaction guide server 200, , A donor-side blockchain-based digital virtual currency transaction app 310 that guides the recipient to designate and transmit the recipient recognition URL (A) transmitted from the digital virtual currency transaction guide server 200 . This is the mounted terminal member.

Here, the donor-side blockchain-based digital virtual currency transaction app 310 is an application program, and is downloaded by accessing the App Store through the donor terminal 300 or to the aforementioned blockchain-based digital virtual currency transaction guide server 200. It can be directly accessed, downloaded, installed, and used.

It is possible to use the hybrid web instead of the app 310 , and by activating the hybrid web, it is possible to access or transmit information here.

In addition, the donor terminal 300 controls the donor terminal 300 according to the user's operation in order to operate the donor-side block chain-based digital virtual currency transaction app 310, or a keypad that generates a user input signal for operating An information input unit such as, an information storage unit in which data such as the donor's personal information to be described later or the donor-side block chain-based digital virtual currency transaction app 310, which is a dedicated program, is stored, such as a block chain-based digital virtual currency transaction screen It consists of an information output unit that outputs multimedia information and a control unit that performs overall operation control of the donor terminal 300 .

As such, the donor terminal 300 performing the function includes palmtops, personal digital assistants (PDAs), communication terminal devices such as smart phones capable of Internet access, portable multimedia players (PMPs), or UMPCs (Ultra). It can be applied to various terminals such as -mobile PC) and MID (Mobile Internet Device), which is equally applicable to the recipient terminal 400 to be described later.

The beneficiary terminal 400 is automatically executed when clicking the URL (A) for the recognition of the beneficiary, from which the URL (A) for acknowledgment of the beneficiary is transmitted from the donor terminal (300). It is a terminal member equipped with a beneficiary-side block chain-based digital virtual currency transaction app 410 that generates a personal details signal for authentication of the recipient including personal information and controls it to be transmitted to the digital virtual currency transaction guide server 200. .

Here, the donor-side blockchain-based digital virtual currency transaction app 310 and the donor-side blockchain-based digital virtual currency transaction app 410 are the same app, and in order to clearly distinguish them, prefixes of the donor side and the donor side are attached. .

In addition, it is preferable that the donor terminal 300 and the donor terminal 400 be provided based on an instant messenger (IM) so that the donor can easily select a donor who wants to give digital virtual currency having a block chain.

To this end, a donor-side instant messenger is mounted on the donor terminal 300 , and the donor-side instant messenger is mounted on the donor terminal 400 .

In this way, the donor-side instant messenger and the donor-side instant messenger are the same instant messenger, and in order to clearly distinguish them, prefixes of the donor-side and the recipient-side are attached here as well.

Through this, the donor-side blockchain-based digital virtual currency transaction app 310 of the donor terminal 300 collects and transmits selective IM identification information that identifies the donor-side instant messenger designated by the donor in the donor transaction request signal. , when the URL (A) for recognizing the donor is transmitted from the digital virtual currency transaction guide server 200, the donor-side instant messenger designated by the donor is automatically executed, and the donor-side instant messenger recognizes the donor. When the donor's instant messenger designates a beneficiary account of the instant messenger that requests delivery of the URL (A) for recognition of the donor, the donor terminal 400 corresponds to the beneficiary account. ) is programmed to be transmitted.

In addition, the recipient-side instant messenger of the recipient terminal 400 controls the transmitted recipient recognition URL (A) to be output, and the recipient-side blockchain-based digital virtual currency transaction app 410 of the recipient terminal 400 is When the recipient clicks the URL (A) for recognition of the recipient displayed on the recipient's instant messenger, it is automatically executed to generate a personal information signal for authentication of the recipient and is programmed to transmit it to the digital virtual currency transaction guide server 200 .

The following is a Coin-Point relay exchange that executes a transaction between a "coin" targeted at a virtual currency exchange developed in Patent Registration No. 10-1918033, registered by the inventor, and a "point" rewarded in an online bank or e-commerce transaction. (5000) will be described.

3 is a block diagram illustrating a system in which points generated in an online bank or e-commerce transaction of the present invention and a coin traded in a virtual currency exchange are traded in a separate relay exchange. It is an overall configuration diagram for explaining the virtual currency transaction system 3000 and the online banking and e-commerce system 4000 according to the embodiment.

First, the virtual currency trading system 3000 will be described with a flowchart.

In the future, in the present invention, virtual currency is referred to as "coin" or "Coin".

Referring to the upper part of FIG. 3 , the transaction of virtual currency according to an embodiment of the present invention is that a donor transacts virtual currency with a donor. Specifically, the donor terminal 300 is a digital virtual currency having a blockchain to be donated. Generates a transaction request signal for a donor including the amount information of the donor and personal information of the donor and transmits it to the digital virtual currency transaction guide server 3100, and the digital virtual currency transaction guide server 3100 in the donor terminal 400 Confirmation of personal information is performed, and the amount to be donated to the beneficiary is deducted from the blockchain-based digital virtual currency amount information stored in the donor's electronic wallet information, and the deducted amount is stored in the donor's electronic wallet information. After accumulating in the virtual currency amount information, it creates transaction information for digital virtual currency transaction based on this and controls it to be propagated to the blockchain holding servers (not shown), so that the virtual currency is exchanged or traded. will be.

Hereinafter, the meaning of "transaction" is included in the concept of "exchange".

Accordingly, the head office issues a Coin, and as an affiliated bank, for example, the Bank stores and manages the Coin, thereby performing the functions stipulated by the law.

The "coin" of the virtual currency trading system 3000 generated here is linked with the Coin management system 3500 so that it can be exchanged or traded with the Coin-Point relay exchange 5000 to build a system.

For this purpose, ALL IT BLUE COIN, ALL IT SILVER COIN, ALL IT GOLD COIN, ALL IT DIA COIN and ALL IT POINT were applied for trademark registration so that the brand names can be used by grade when exchanging or trading coins and points described later do.

The virtual currency transaction method will be described in detail with reference to FIGS. 12 to 19 .

Second, the online banking and e-commerce system 4000 will be described with a flowchart.

From now on, in the present invention, the reward generated by the transaction is referred to as "point" or "Point".

Referring to the lower part of FIG. 3 , an online bank and e-commerce system 4000 according to an embodiment of the present invention includes one online shopping mall 4100, one or more purchaser PC terminals 4300a and a purchaser mobile through the Internet (I). The terminal 4300b is connected to the affiliated store terminal 4400 .

The online bank and e-commerce system 4000 is connected to the online shopping mall 4100 and the purchaser's terminal through the Internet (I), and when purchasing a product according to the request of the purchaser, a product window where the purchaser can purchase with the points he owns. functions provided at the same time.

The purchaser PC terminal 4300a and the purchaser mobile terminal 4300b are connected to the online bank and e-commerce system 4000 through the Internet (I), and various HTML provided by the online bank and e-commerce system 4000 (Hyper Text Marker Language) A general web browser is provided so that a web page such as a document can be retrieved and displayed on a screen.

In addition, the purchaser PC terminal (4300a) and the purchaser mobile terminal (4300b) use the Allit-Pay accumulation card, and cards of other companies affiliated with the card can also be used.

At this time, the points that are distributed as much as the purchaser used are accumulated as profit compensation.

The purchaser PC terminal 4300a is preferably implemented as a personal computer (PC), but is not limited thereto, and may be implemented with any communication capable device such as a laptop computer, PDA, smartphone, etc. that can communicate by connecting to the Internet. .

The designated affiliated store terminal unit 4400 is composed of a plurality of designated point terminals previously designated for the accumulation of points. In this embodiment, for convenience of explanation, the designated affiliated store terminal unit 4400 grouped into one commercial district is divided into the first franchisee terminal unit 4400a, the second affiliate store terminal unit 4400b, and the third affiliate store terminal unit 4400c. , --- (omitted) --- , is shown as an nth merchant terminal unit 4400n.

In addition, the designated affiliated store terminal unit 4400 uses an Allit-Pay accumulation card, and a card of a third party affiliated with the card can also be used.

At this time, the points that are distributed as much as the purchaser used are accumulated as profit compensation.

At this time, the accumulated points and Coins to be described later can be exchanged or traded to promote the convenience of consumers.

That is, the "point" of the online bank and e-commerce system 4000 generated here is linked with the profit compensation point management system 4500 so that it can be transacted with the Coin-Point relay exchange 5000 to construct a system.

Reference numeral 6000 represents the "Allit Pay process" and represents an operation network that can systematize lines that can bring efficiency of work in connection with AllIT Bank and AllIT Pay, which will be described later.

Third, the relay exchange 5000 of All IT Coin and All IT Point shown in the middle of FIG. 3 will be described.

The "coin" of the virtual currency transaction system 3000 generated by the virtual currency transaction is linked with the Coin management system 3500 so that it can be transacted with the Coin-Point relay exchange 5000 to construct a system.

In addition, the system by linking with the profit compensation point management system 4500 so that the "points" of the online bank and e-commerce system 4000 rewarded according to the usage performance of banks, etc. can be transacted with the Coin-Point relay exchange 5000 to build

Next, numerical domains applied to the present invention will be described with reference to FIGS. 4 to 6 .

In general, the URL is composed of a secondary domain format such as www.####.co.kr, where #### is a unique identification character of the site, co is a character representing a company, and kr is a country Characters for identification. Recently, as the number of sites has rapidly increased, it is not easy to find a unique identification character that is not duplicated when using a general URL. In other words, it is not easy to find unique identifiers that can be used by all 6 billion people in each country and do not overlap.

In addition, by using the URL of the secondary domain, the maintenance cost for the URL of the secondary domain must be paid every two years. In most cases, if the payment of the management cost is neglected, the site that was opened with difficulty is closed.

In the prior art, Korean Patent No. 10-1444883, it is described as follows.

4 is a block diagram illustrating a system for providing a numeric URL service according to an embodiment of the present invention. Referring to FIG. 4 , the system 1 for providing a numeric URL service according to an embodiment of the present invention includes at least one user terminal 100 , a numeric URL service providing server 300 , and at least one site server 400 . may include. However, since the numeric URL service providing system 1 of FIG. 1 is only an embodiment of the present invention, the present invention is not limitedly interpreted through FIG. 1 .

At this time, each component of FIG. 5 is generally connected through a network 200 . For example, as shown in FIG. 1 , at least one user terminal 100 and the numeric URL service providing server 300 may be connected through the network 200 . Also, the numeric URL service providing server 300 may be connected to at least one site server 400 through the network 200 . In addition, the at least one user terminal 100 may be connected to the at least one site server 400 via the number URL service providing server 300 through the network 200 .

The UI receiving unit 310 may receive a UI selection signal for selecting at least one national user interface (UI) from the at least one user terminal 100 .

The frame output unit 320 may output a numeric URL frame in response to the received UI selection signal. In this case, the numeric URL frame, referring to FIG. 3A , may be a frame having N×M (N, M=natural numbers) cells. Here, whenever a country UI is selected, a frame having N×M cells may be generated.

The first change unit 330, when receiving a first digit selection signal for selecting any one of the first row of the number URL frame from the at least one user terminal 100, the received first digit selection signal A central frame including at least one cell among the numeric URL frames may be changed to correspond to . In this case, the first digit may be the first digit of the numeric URL consisting of (a, b, c, d, e), that is, a digit corresponding to a. Referring to FIG. 3A , the first row includes N cells, the central frame includes (N-2)·(M-2) cells, and each time any one of the cells in the first row is selected , (N-2)·(M-2) cells are changed, so that a total of N·(N-2)·(M-2) cells can be displayed.

The second change unit 340, when receiving a second digit selection signal for selecting any one column of the first column of the numeric URL frame from the at least one user terminal 100, the received second digit selection signal Change the central frame including at least one of the numeric URL frames to correspond. In this case, the second digit may be the second digit of the numeric URL consisting of (a, b, c, d, e), that is, a digit corresponding to b. Referring to FIG. 3A , the first column includes M-2 cells, and each time any one of the first columns is selected, N·(N-2)·(M-2) cells are changed. , a total of (M-2)·N·(N-2)·(M-2) cells can be displayed.

The third change unit 350 receives, from at least one user terminal 100, a third digit selection signal for selecting any one column of the N-th column among the number URL frames, to the received third digit selection signal. Correspondingly, the central frame including at least one of the numeric URL frames may be changed. In this case, the third digit may be a digit corresponding to the third digit of the numeric URL consisting of (a, b, c, d, e), that is, c. Referring to FIG. 3A , the Nth column includes M-2 cells, and whenever any one of the Nth columns is selected, (M-2)·N·(N-2)·(M-2) ) cells are changed, so that a total of (M-2)·(M-2)·N·(N-2)·(M-2) cells can be displayed.

The fourth change unit 360 receives, from the at least one user terminal 100, a fourth digit selection signal for selecting any one cell of the Mth row among the number URL frames, the received fourth digit selection signal Correspondingly, the central frame including at least one of the numeric URL frames may be changed. In this case, the fourth digit may be a digit corresponding to the fourth digit, that is, d among numeric URLs consisting of (a, b, c, d, e). Referring to FIG. 3A , the Mth row includes N cells, and whenever any one of the Mth rows is selected, (M-2)·(M-2)·N·(N-2) ·(M-2) cells are changed, so that a total of N·(M-2)·(M-2)·N·(N-2)·(M-2) cells can be displayed.

The site output unit 370 receives, from at least one user terminal 100, a fifth digit selection signal for selecting any one of the last changed central frames, mapped to the received fifth digit selection signal. You can print the site. In this case, the fifth digit may be any one of 140 cells, as described with reference to FIG. 3B . That is, the fifth digit may be any one of a number from 1 to 140.

In addition, at least one UI is U, and whenever at least one UI is selected, N·(M-2)·(M-2)·N·(N-2)·(M-2) cells are displayed. As a result, a total of U·N·(M-2)·(M-2)·N·(N-2)·(M-2) cells can be displayed.

That is, at least one UI is U (U = natural number), and as described above, the number of URLs that can be displayed in the central frame 5 was 3584000, so a total of 3584000 x (U) number of cells is displayed. can be

In an embodiment of the present invention, both x and · are defined as multiplication operators.

Accordingly, even if all 6 billion people have a single site, a numeric URL can be assigned to everyone without overlapping numeric URLs.

However, the numeric URL simply produced a domain, and a method for secondarily generating and utilizing a new numeric URL in connection with this has not been developed.

Moreover, even with the number URL, it was a considerable economic burden to directly decorate and operate my own shopping mall.

In addition, a technology has not been developed that can link the points paid as a reward after purchasing an item in a normal shopping mall with a coin to create revenue according to the price change of the coin and give an opportunity to return a discount when repurchasing.

Therefore, the present invention is linked to a shopping mall that seeks stability of transactions in connection with a bank using a coin-linked technology according to the launch of virtual currency in a shopping mall connected without authentication by a phone number and a point payment and utilization in the shopping mall. An object of the present invention is to provide a financial transaction relay processing method capable of transacting virtual currency.

In addition, an object of the present invention is to develop a method that can be utilized by not only simply producing a domain, which is a limitation of a numeric URL, but also creating a new numeric URL in connection therewith.

Another object of the present invention is to provide a shopping mall that can directly decorate my own shopping mall operationally and economically by receiving the number URL.

In addition, the purpose of this is to provide a technology that can link the points paid as a reward after purchasing an item in a normal shopping mall with a coin to create revenue according to the price change of the coin and provide an opportunity to return the discount when repurchasing. .

Here, by enabling the exchange or transaction between the “coin” and the “point”, the actual value of the coin can be recognized, and the reorganization of the “coin” into a system suitable for the internationalization trend is made, Its purpose is to provide an opportunity to prevent an act that disrupts the economic order due to excessive issuance.

In other words, if the "coin" is not recognized for its economic value, the purpose is to eradicate the act of disturbing the economic order by, for example, insolvent companies or unqualified individuals issuing "coins" recklessly.

The present invention, first, turn on the computer, and input the URL of the company A (smartphone or computer of the subject side) (S7100); providing a non-authentication access program for interworking with company B's shopping mall without authentication by inputting the customer's phone number into company A's shopping mall server computer (S7200); An unauthenticated access click step (S7300) in which a smartphone or computer inputs a phone number to access the affiliated site and clicks unauthenticated access; After the non-authentication access click step (S7300), a plurality of shopping mall screen providing step (S7300a) of providing a shopping mall, which is a plurality of affiliate sites, on the screen by the CPU; shopping mall selection step of selecting one desired shopping mall from the customer computer (S7300b); In the shopping mall selection step (S7300b), a product purchase/action step (S7900) of purchasing/acting a product from the company B's shopping mall; After the product purchase/action step (S7900), a reward point transfer step (S8000) of accumulating compensation points for sales commissions for each product in company B's shopping mall and transferring them to company A's shopping mall server computer as an individual unit; After the reward point transfer step (S8000), a Point-Coin exchange request step (S8100) of requesting by exchanging points for coins in the smart phone or computer of the customer; After the Point-Coin exchange request step (S8100), a Point-Coin exchange and accumulation step (S8300) of exchanging and accumulating customer points when a transaction is established; When the customer selects the step of requesting an exchange of their Point to Coin through the Coin-Point relay transaction app after the Point-Coin exchange accumulation step (S8300) (a), in the smartphone or computer, the Coin- Running the Coin-Point relay transaction app to run the Point relay transaction app (S4001); a coin sales quantity and price input step (S4002) for the point holder to input the sales quantity and price of a coin requesting a transaction from the smart phone or computer; Coin holder coin (conditional) transmission step (S4003) in which the coin holder who wants the coin transaction conditionally inputs the coin to the point holder's bank account; Coin transaction approval step (S4004) of accepting the transaction by judging whether the coins transmitted in the coin holder coin (conditional) transmission step (S4003) from the smartphone or computer match the quantity presented by the point holder; A coin transmission step (S4005) of transmitting a coin to the donor terminal when the amount of coins is the same in the coin transaction approval step (S4004); It is a financial transaction relay processing method capable of transacting virtual currency linked to a shopping mall linked with a bank, characterized in that it consists of an end step (S4006) that is ended thereafter.

And, in the present invention, the coins exchanged for the points are the electronic cryptographic source 316 provided in the first file 315a, which is the basic unit of virtual currency linked with the general matching program 340a, and the general matching program 340a ), and the electronic algorithm source 416 provided by the fingerprint / finger vein algorithm 415 is converted in the general matching program 340a, and these are the electronic cryptographic source and the fingerprint / The electronic algorithm source 416 of the donor's fingerprint or finger vein is fused by the electronic algorithm source of the finger vein to become the basic unit of virtual currency transmission, and at the same time, the electronic algorithm source 416 of the donor is a blockchain-based digital virtual currency transaction guide server ( 200), it is a financial transaction relay processing method that can transact virtual currency linked with a shopping mall linked with a bank, characterized in that it can be converted into an electronic algorithm source of the beneficiary's fingerprint or finger vein.

Therefore, the present invention is linked to a shopping mall that seeks stability of transactions in connection with a bank using a coin-linked technology according to the launch of virtual currency in a shopping mall connected without authentication by a phone number and a point payment and utilization in the shopping mall. It has the effect of being able to trade cryptocurrency.

In addition, the present invention has an effect that can be utilized by not only simply producing a domain, which is a limitation of the numeric URL, but also creating a new numeric URL in connection with it.

In addition, the present invention has the effect of directly decorating my own shopping mall by receiving the number URL allocated to it, operationally and economically.

In addition, by linking the points paid as compensation after purchasing an item in a normal shopping mall with a coin, there is an effect of creating a profit according to the price change of the coin and providing an opportunity to return a discount when repurchasing.

Here, by enabling the exchange or transaction between the “coin” and the “point”, the actual value of the coin can be recognized, and the reorganization of the “coin” into a system suitable for the internationalization trend is made, This will have the effect of preventing in advance an act that disrupts the economic order due to excessive issuance.

That is, if the "coin" is not recognized for its economic value, for example, an insolvent company or an unqualified individual has the effect of eradicating the act of disturbing the economic order by recklessly issuing the "coin".

1 is a schematic diagram of a relay processing system for banking transactions and e-commerce transactions in an unauthenticated connection method using a multi-safe lock function including fingerprint recognition of a financial transaction relay system as a prior art of the present invention.
Figure 2 is an overall configuration diagram showing a digital virtual currency transaction system having a block chain between the parties of the prior invention applied to the present invention.
3 is a block diagram illustrating a system in which points generated in an online bank or e-commerce transaction according to the prior art applied to the present invention and coins traded in a virtual currency exchange are traded in a separate relay exchange. .
4 is a configuration diagram for explaining a system for providing a numeric URL service according to an embodiment of the present invention.
FIG. 5 is a configuration diagram for explaining the numeric URL service providing server shown in FIG. 4 .
6 is a diagram illustrating an embodiment in which a number URL service is implemented in a site provided by the number URL service providing server illustrated in FIG. 4 .
7 is a configuration diagram for explaining the overall system for exchanging points and coins after editing My Mall using the numeric URL service providing system provided by the shopping mall connected to the affiliate site of the present invention.
8 is a video screen using an independent URL for inputting a phone number in order to access a shopping mall in the affiliated site of the present invention.
FIG. 9 is a video screen for purchasing and utilizing a numeric domain of an affiliated site connected without authentication after inputting a phone number to access the affiliated site through an independent URL according to the present invention.
10 is an image of registering a numeric domain after purchasing a numeric domain of an affiliate site connected without authentication after inputting a phone number to access an affiliate site by an independent URL of the present invention, and inputting and registering a connection URL thereto is the screen
11 is a figure after purchasing a numeric domain of an affiliate site connected without authentication after inputting a phone number to access an affiliate site by an independent URL of the present invention, registering a numeric domain, and inputting and registering a connection URL thereto This is a video screen where you can edit My Mall by your own domain.
Figure 12 is after purchasing the numeric domain of the affiliate site without authentication after inputting a phone number to access the affiliate site by the independent URL of the present invention, registering the numeric domain, inputting and registering the connection URL thereto This is a flowchart of a financial transaction method that allows you to edit My Mall by your own domain to purchase items, and to exchange the points and coins paid for it.
13, 14, and 15 show a numeric domain registration after purchasing a numeric domain of an affiliate site that is accessed without authentication after inputting a phone number to access an affiliate site by an independent URL of the present invention, and input a connection URL thereto As a financial transaction method that allows you to purchase items by editing My Mall by your own domain after registration, and exchange the points paid for this with coins, a flowchart and a Coin holder in which a Point holder requests a transaction from a Coin holder is a flowchart for requesting a transaction from a Point holder.
16 is a block diagram of matching a virtual currency with fingerprint/finger vein authentication information using a digital virtual currency transaction system having a block chain between parties of the present invention.
17 is a block diagram illustrating a transaction process of digital virtual currency having a block chain between parties using the digital virtual currency transaction system having a block chain between parties of the present invention.
18 is a flowchart illustrating a digital virtual currency transaction process having a block chain between parties using the digital virtual currency transaction system having a block chain between parties of the present invention.
19 is an independent URL of the present invention, after entering a phone number to access the affiliated site, accessing the unauthenticated connected affiliated site, purchasing an item, and exchanging the points and coins paid therefor, protection insurance is applied This is a flowchart of a possible financial transaction method.
20 and 21 are a continuation of FIG. 19, and after entering a phone number to access the affiliated site by the independent URL of the present invention, purchase goods of the affiliated site connected without authentication, and exchange the paid points for coins. As a possible financial transaction method, a flowchart of a financial transaction method in which a point holder requests a transaction from a coin holder and a financial transaction method that can apply protection-type insurance when exchanging points for a coin and a coin holder points It is a flowchart of requesting a transaction to a holder.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art can easily carry out the present invention.

Throughout the specification, when a part is "connected" with another part, this includes not only the case of being "directly connected" but also the case of being "electrically connected" with another element interposed therebetween. . Also, when a part "includes" a component, it means that other components may be further included, rather than excluding other components, unless otherwise stated, and one or more other features However, it is to be understood that the existence or addition of numbers, steps, operations, components, parts, or combinations thereof is not precluded in advance.

The terms "about", "substantially", etc. to the extent used throughout the specification are used in a sense at or close to the numerical value when the manufacturing and material tolerances inherent in the stated meaning are presented, and serve to enhance the understanding of the present invention. To help, precise or absolute figures are used to prevent unfair use by unscrupulous infringers of the stated disclosure. As used throughout the specification of the present invention, the term “step for (to)” or “step for” does not mean “step for”.

In this specification, a "part" includes a unit realized by hardware, a unit realized by software, and a unit realized using both. In addition, one unit may be implemented using two or more hardware, and two or more units may be implemented by one hardware.

In this specification, some of the operations or functions described as being performed by the terminal, apparatus, or device may be performed instead of in a server connected to the terminal, apparatus, or device. Similarly, some of the operations or functions described as being performed by the server may also be performed in a terminal, apparatus, or device connected to the server.

In this specification, some of the operations or functions described as mapping or matching with the terminal means mapping or matching the terminal's unique number or personal identification information, which is the identification data of the terminal. can be interpreted as

Hereinafter, the present invention will be described in detail with reference to the accompanying drawings.

Here, a financial transaction relay processing method capable of transacting virtual currency by the shopping mall of the present inventor's numeric domain through a bank will be described.

First, after editing My Mall using the numeric URL service providing system provided by the shopping mall connected to the affiliated site of the present invention, the overall system that can exchange points and coins (hereinafter, used in conjunction with 'virtual currency') Explain.

7 is a block diagram illustrating an overall system that can exchange points and coins after editing My Mall using the numeric URL service providing system provided by the shopping mall connected to the affiliate site of the present invention, and FIG. It is a video screen by an independent URL for inputting a phone number to access a shopping mall in the affiliate site of the present invention, and FIG. 9 is an affiliate site connected without authentication after inputting a phone number to access the affiliate site by the independent URL of the present invention It is a video screen that can purchase and utilize the numeric domain of the site, and FIG. 10 is the number after purchasing the numeric domain of the affiliated site connected without authentication after entering the phone number to access the affiliated site by the independent URL of the present invention It is a video screen for registering a domain, inputting and registering a connection URL, and FIG. 11 is a numeric domain of an affiliated site connected without authentication after entering a phone number to access the affiliated site by an independent URL of the present invention. This is a video screen where you can edit My Mall by your own domain after registering a numeric domain and entering and registering a connection URL.

As shown in FIG. 7, FIG. 7 is a diagram for explaining the overall system for exchanging points and coins after editing My Mall using the numeric URL service providing system provided in the shopping mall connected to the affiliated site of the present invention. is a configuration diagram.

The company A server (All IT Giga Co., Ltd.) 910 to which the customer (or becomes a 'member' when signing up for membership) is linked with the company B server (eg, Giga Korea Co., Ltd.) 920, and the company A server If the customer's own phone number is entered in the phone number input field 912 on the site by (All IT Giga Co., Ltd.) 910, the connection is made without authentication, and all products are purchased from the server of company B (eg, Giga Korea Co., Ltd.) After purchase, the system operates a system in which reward points are accumulated in one's own point accumulation account.

Here, the B company server (eg, Giga Korea Co., Ltd.) is connected to the B company interlocking bank server 992 to make deposits and withdrawals with customers.

When customers purchase items from Shopim Mall 921 that is linked to Company B's server (eg, Giga Korea Co., Ltd.) 920, part of the purchase price (part of the company's margin) is paid to the customer as points. do.

As will be described later, a system that enables exchange of all the points with Coins is established.

As seen from the right side, members can connect to the server of company B (eg, Giga Korea Co., Ltd.) 920 and receive a number domain (ND) for sale (described in Prior Art 3).

Company A server (All IT Giga Co., Ltd.) 910 is linked to company B server (eg, Giga Korea Co., Ltd.) 920 to purchase the numerical domain (ND) in advance, and their number domain (ND) ) will be sold to members (at this time, it would be better to pay a part of the profits like the sales in shopping malls that are usually conducted).

That is, the number domain operated by the server of Company A (All IT Giga Co., Ltd.) (910) is sold, and the member creates their own Shopping-Mall, edits and operates the My Mall (Company C) sale server (930) directly. At this time, you can increase sales (revenue) independently by promoting the sales ID of My Mall to your acquaintances.

The My Mall (company C) sale server 930 can edit its own shopping mall using tools called build and editor,

What is a Builder here? It means a tool that builds and maintains shopping malls, homepages, social media, etc. What is an editor? It means a tool that can easily edit and produce web content, and how to use it is: 1) Applying for a number domain lease 2) Operating method study 3) Publicizing your phone number or number domain 4) Use (page design and layout adjustments) 5 ) will be available in the order of online settlement of the shopping mall's performance.

In the completed My Mall (company C) presale server 930, company D business ID mall server 940 operates at the forefront.

Here, the purchase compensation points generated by the sale of the company D business ID mall server 940 are accumulated in an individual's point accumulation account, and the points are transmitted to the company A server (All IT Giga Co., Ltd.) 910 .

The server of Company A (All IT Giga Co., Ltd.) 910 that has received the point operates a program controlled so that it can be exchanged for coins.

Unexplained reference numeral 913a is an enlarged view of the company A domain 913 .

In this case, in FIGS. 13, 14, and 15, after entering the phone number to access the affiliated site by the independent URL of the present invention, after purchasing the numeric domain of the affiliated site that is accessed without authentication, the numeric domain is registered and connected A flow chart in which a point holder requests a transaction from a coin holder as a financial transaction method that allows you to edit My Mall by your own domain after entering and registering a URL, purchase an item, and exchange the points paid for it with a coin And you can refer to the flowchart in which the Coin holder requests a transaction from the Point holder.

As shown in FIG. 8, FIG. 8 is a video screen using an independent URL for inputting a phone number in order to access a shopping mall on the affiliated site of the present invention.

If company A's domain (eg, www.allitgiga.com) (913) is entered on the general departure screen, company A's phone number screen 912 appears, and on this screen, the user's mobile phone number input guide (914a) and phone number An input field 914b and an unauthenticated connection guide 914c are formed, and if you enter your phone number in the empty phone number input field 914b here, the computer server that recognizes this can use the numeric domain without authentication A four-digit domain domain utilization screen 920a is displayed.

The domain at this time is also displayed as www.allitgiga.com (920b), so that it is possible to know which domain address the customer is clicking on.

Unexplained reference numeral 920bb is an enlarged view of www.allitgiga.com (920b).

As shown in FIG. 9, FIG. 9 is a video screen through which a number domain of an affiliated site connected without authentication can be purchased and utilized after inputting a phone number to access an affiliated site through an independent URL of the present invention.

In the B-digit domain utilization screen 920a, a producer application selection button 920c, a seller application selection button 920d, and a consumer application selection button 920e are formed, and the customer selects the desired button and selects various apps. can be utilized

And, a number domain purchase button (920f) is formed on the far right side, so that a number domain can be purchased by selection.

Here, in the case of purchasing a numeric domain, a number is used as an example, and 10 digits, 11, 22, 33, 44, 55, are inputted in the blank. will be purchased

The following describes how to configure My Mall after the number domain is purchased.

As shown in FIG. 10, FIG. 10 is after purchasing a numeric domain of an affiliated site connected without authentication after inputting a phone number to access the affiliated site by an independent URL of the present invention, and then registering the numerical domain. This is a video screen for inputting and registering a connection URL.

First, when you click the buy button numeric domain (920f), the www.gigaroom.com domain screen 950 is displayed by www.gigaroom.com domain (951), from here to the screen to register their domain numbers To do so, the numeric domain registration button 952 is clicked.

At this time, the screen has a field for entering the numeric domain number to be registered, and after entering the number of the numeric domain selected by the user, 01, 02, 03, 04, 33, 954) after inputting 01020198233.gigawon.co.kr and clicking the registration button 955, they are linked, and the My Mall video screen 960, which is the video screen of My Mall as shown in FIG. 11, appears.

As shown in FIG. 11, FIG. 11 is after purchasing a numeric domain of an affiliate site connected without authentication after entering a phone number to access an affiliate site by an independent URL of the present invention, and then registering the numerical domain. This is a video screen where you can edit My Mall by your own domain after entering and registering the connection URL.

My mall domain 961, which appeared following this, is used as 01020198233.gigaroom.com by using the number of the registered number domain of my connection URL, and when editing (962) is clicked, the My Mall domain screen of the number domain As the mall video screen 960 appears, editable editing screens 964a, 964b, and 964c appear. will be.

The following describes a financial transaction method that can edit My Mall by my own domain of the present invention to purchase goods and exchange the points and coins paid for it.

Figure 12 is after purchasing the numeric domain of the affiliate site without authentication after inputting a phone number to access the affiliate site by the independent URL of the present invention, registering the numeric domain, inputting and registering the connection URL thereto It is a flowchart of a financial transaction method that allows you to edit My Mall by your own domain to purchase an item, and to exchange the points and coins paid for it, and FIGS. 13, 14, and 15 are linked to the affiliate site by an independent URL of the present invention. After purchasing the numeric domain of the affiliated site that has been accessed without authentication after entering the phone number to access it, register the numeric domain, and after entering and registering the connection URL, edit My Mall according to your own domain and purchase the product As a financial transaction method in which the points paid can be exchanged for coins, it is a flowchart in which a point holder requests a transaction from a coin holder and a flow chart in which a coin holder requests a transaction from a point holder.

As shown in FIG. 12, a financial transaction method (S7000) that allows you to edit My Mall by your own domain to purchase an item, and to exchange the points and coins paid for it, will be described.

First, turning on the computer, and inputting the URL of the company A (smartphone or computer of the subject side) (S7100);

providing a non-authentication access program for interworking with company B's shopping mall without authentication by inputting the customer's phone number into company A's shopping mall server computer (S7200);

An unauthenticated access click step (S7300) in which a smartphone or computer inputs a phone number to access the affiliated site and clicks unauthenticated access;

After the non-authentication access click step (S7300), the purchase program providing step (S7400) of providing a number domain purchase program in the shopping mall of company B and the number domain sales main computer;

Numeric domain where customer computer accesses company B's shopping mall and numeric domain without authorization. After applying for purchase through the numeric domain purchase program on the main computer, input the numeric domain number to be registered to purchase a specific numeric domain, and click OK. Numeric input action step (S7500);

After the numeric domain number input action step (S7500), a connection URL input action of inputting a connection URL using one's own phone number to the numeric domain number input to configure My Mall on the smartphone or computer step (S7600);

After the connection URL input action step (S7600), a My Mall configuration program providing step (S7700) of providing a program for configuring My Mall in the company B's shopping mall and the number domain sales main computer;

After the My Mall configuration program providing step (S7700), the customer edits My Mall (Build or Editor is an editing tool and uses it) My Mall editing operation step (S7800);

a product purchase/action step (S7900) of purchasing/acting a product from the company B's shopping mall and number domain sales main computer in the My Mall editing operation step (S7800);

After the product purchase/action step (S7900), reward points are transferred to the shopping mall server computer of Company A as an individual unit after accumulating compensation points for each product in Company B's shopping mall and numeric domain sales main computer or My Mall (S8000);

After the reward point transfer step (S8000), a Point-Coin exchange request step (S8100) of requesting by exchanging points for coins in the smart phone or computer of the customer;

After the Point-Coin exchange request step (S8100), a Point-Coin exchange and accumulation step (S8300) of exchanging and accumulating customer points when a transaction is established;

It consists of an end step (S8300) that ends after the Point-Coin exchange and accumulation step (S8300).

13, 14, and 15 show the registration of a numeric domain after purchasing a numeric domain of an affiliated site connected without authentication after inputting a phone number to access an affiliated site by an independent URL of the present invention, and inputting a connection URL thereto And as a financial transaction method that allows you to purchase items by editing My Mall by your own domain after registration, and exchange the points paid for it with coins, a flowchart and Coin holders in which a Point holder requests a transaction from a Coin holder is a flowchart for requesting a transaction from a Point holder.

13, 14, and 15 are flowcharts in which a Point holder requests a transaction from a Coin holder according to a mutual request of the present invention. As shown in the figure, from the start step (S8400) to the online bank and e-commerce system (4000) When the holder of a rewarded point in the virtual currency transaction system (3000) requests an exchange or transaction of a coin from the holder of the coin, turn on the smartphone or computer, enter the URL of Company A (the head office of the subject), , the step of the point holder clicking to run the Coin-Point relay transaction app (S8500);

Accordingly, the Point-Coin exchange selection step (S8600) to determine whether the customer requests to exchange their Point for Coin through the Coin-Point relay transaction app and whether to request the exchange of their Coin for Point (S8600) ;Wow,

When the customer selects the step of requesting to exchange their Point for Coin through the Coin-Point relay transaction app (a), Coin-Point to run the Coin-Point relay transaction app on the smartphone or computer executing the relay transaction app (S4001);

a coin sales quantity and price input step (S4002) for the point holder to input the sales quantity and price of a coin requesting a transaction from the smart phone or computer;

Coin holder coin (conditional) transmission step (S4003) in which the coin holder who wants the coin transaction conditionally inputs the coin to the point holder's bank account;

Coin transaction approval step (S4004) of accepting the transaction by judging whether the coins transmitted in the coin holder coin (conditional) transmission step (S4003) from the smartphone or computer match the quantity presented by the point holder;

If they do not match, there is a retransmission notification step in which the donor is notified to transmit the coin again.

A coin transmission step (S4005) of transmitting a coin to the donor terminal when the amount of coins is the same in the coin transaction approval step (S4004);

Here, an authentication signal can be further used in the transmission step. The authentication signal is a concept that includes not only numeric signals such as passwords, passwords, OTP reply numbers, etc., but also enter signals. say Hereinafter, the same

The following is a Coin to run the Coin-Point relay transaction app on the smartphone or computer when the customer selects the step of requesting to exchange their Coin for Point through the Coin-Point relay transaction app (b) -Running the point relay transaction app (S3001);

executing the Coin-Point relay transaction app to run the Coin-Point relay transaction app on the smartphone or computer (S4001);

a coin sales quantity and price input step (S3002) in which the coin holder enters the sales quantity and price of the coin requesting a transaction from the smart phone or computer;

a point holder coin price (conditional) deposit step (S3003) in which the point holder who wants the coin transaction conditionally inputs the price into the coin holder's bank account;

a sales price matching step (S3004) of determining whether the amount deposited in the point holder coin payment step (S3003) in the smartphone or computer matches the amount presented by the coin holder;

If the two do not match, the re-deposit notification step (S3005) of notifying the buyer to deposit the sales price again;

Coin transmission step (S3006) of transmitting a coin to the beneficiary terminal when the deposit of the sales price is matched in the sales price matching step (S3004);

Here, an authentication signal can be further used in the transmission step. The authentication signal is a concept that includes not only numeric signals such as passwords, passwords, OTP reply numbers, etc., but also enter signals. say Hereinafter, the same

The Coin holder completes the Coin transfer and final approval so that the sale price is paid while completing the Coin transfer (S3007);

After that, the transaction termination step (S3008) is performed, in which the coin transmission completion and sales price payment completion step (S3007) are performed.

Here, the biometric information includes fingerprint and/or finger vein information, iris information, and face information.

As described above, the process in which a Coin holder requests a transaction from a Point holder using a smartphone or computer has been described.

The following describes a block diagram of matching virtual currency with fingerprint/finger vein authentication information using the digital virtual currency transaction system having a block chain between parties of the present invention.

16 is a block diagram of matching virtual currency with fingerprint/finger vein authentication information using the digital virtual currency transaction system having a block chain between parties of the present invention.

The main controller (CPU) 340 shown in the block diagram for matching virtual currency with biometric authentication information using a digital virtual currency transaction system having a block chain between parties of the present invention in FIG. 16 is encrypted as described above. A donor terminal 300 including a virtual currency 315, an encrypted fingerprint / finger vein algorithm 415 as described above, a fingerprint / finger vein recognizer, and a donor terminal including a fingerprint / finger vein recognizer ( 400), and the electronic cryptographic source of the encrypted virtual currency 315 (including the "file name" or virtual currency "node" in which the virtual currency is formed) and the fingerprint / finger vein algorithm 415 of the electronic It consists of a conversion device 500 that matches the algorithm source, and a donor-recipient fingerprint / finger vein conversion device 600 that converts the donor's virtual currency into the donor's virtual currency.

Hereinafter, an embodiment of performing a digital virtual currency transaction process having a block chain between parties of the present invention will be described in detail with reference to the attached FIGS. 17 and 18 .

17 is a block diagram illustrating a digital virtual currency transaction process having a block chain between parties using a digital virtual currency transaction system having a block chain between parties of the present invention, and FIG. 18 is a diagram between parties of the present invention It is a flowchart showing the transaction process of digital virtual currency with block chain between parties using the transaction system of digital virtual currency with block chain.

The overall matching program 340a in the block diagram showing the transaction process of the digital virtual currency having the block chain between the parties using the digital virtual currency transaction system having the block chain between the parties of the present invention in FIG. The electronic encryption source 316 provided from the first file 315a, which is the basic unit of the linked virtual currency, is converted in the general matching program 340a, and the electronic algorithm source 416 provided by the fingerprint/finger vein algorithm 415. ) is converted in the general matching program 340a, so that they can be fused by the matching program 344, so that they can be transacted as a basic unit of transmission.

Unexplained reference numerals 315b and 315c indicate the number of the second and third files of the virtual currency following the first file, which is the basic unit of the virtual currency.

Of course, in order to transmit a large amount, it is preferable to create and operate a program of a lump sum payment method.

In FIG. 18, since the same procedure as that shown in the conventional transmission method is used as it is, it will be described as an essential element of the present invention.

In the code display, the code having the same technical content as that of the prior art is used the same.

First, when the donor terminal 300 executes (S110) the donor-side blockchain-based digital virtual currency transaction app 310 mounted according to the donor’s selection, the executed donor-side blockchain-based digital virtual currency transaction app 310 controls the stored and managed block chain-based digital virtual currency transaction screen 510 to be output and displayed (S120) through the information output unit 301 of the donor terminal 300 .

At this time, in order to prevent the exposure of all information, it is checked whether the electronic encryption source of the virtual currency (including the "file name" or the "node" of the virtual currency in which the virtual currency is formed) and the electronic algorithm source of the fingerprint or finger vein are matched. It is requested by the fingerprint or / and finger vein authentication means, where it is determined whether the virtual currency and the fingerprint or / and finger vein authentication information is matched (S130a).

If the above conditions are not satisfied, the transaction is terminated, and then, the donor terminal 300 displays the amount display field 511 on the block chain-based digital virtual currency transaction screen 510 displayed through the information output unit 301 . ), the instant messenger selection field 512 and the text input field 513, when the send menu 514 is clicked while the input form is entered according to the input form, the donor-side blockchain-based digital virtual currency transaction app 310 is a block A transaction request signal for the donor is generated by collecting the amount information of the digital virtual currency input through the chain-based digital virtual currency transaction screen 510, the selected IM identification information, and the personal information of the stored and managed donor, and it is a block chain-based digital virtual currency. It is transmitted to the currency transaction guide server 200 (S130).

Then, when the block chain-based digital virtual currency transaction guide server 200 transmits the donor transaction request signal from the donor terminal 300, the donor's personal information included in the donor transaction request signal is transferred to the member list information DB 211. By matching with and confirming that you are a member, a URL (A) for beneficiary recognition that guides you to recognize a beneficiary who is gifted with digital virtual currency having a block chain is generated and transmitted to the donor terminal 300 (S140).

After that, the donor-side blockchain-based digital virtual currency transaction app 310 of the donor terminal 300 transmits the donor recognition URL (A) from the blockchain-based digital virtual currency transaction guide server 200, select IM identification In a state where the donor-side instant messenger corresponding to the information is controlled to be automatically executed, the donor-side instant messenger URL display guidance screen (see FIG. 3b ) in which the donor-side instant messenger URL (A) is inserted and displayed in the automatically executed donor-side instant messenger A control is performed so that it is output through the information output unit 301 (S150).

Thereafter, the donor-side instant messenger of the donor terminal 300 designates the donor account of the instant messenger that the donor requests for delivery of the donor recognition URL (A) through the donor designation guide screen for the donor-side instant messenger (refer to FIG. 3c ). Then, the URL (A) for recognition of the recipient is transmitted to the recipient terminal 400 corresponding to the recipient account (S160).

Thereafter, the recipient-side instant messenger of the recipient terminal 400 outputs a URL display guide screen for the recipient-side instant messenger in which the transmitted recipient-recognition URL (A) is inserted and displayed (see FIG. 3D ) through the information output unit 401 ( S170) to be controlled.

After that, when the recipient recognition URL (A) displayed on the recipient side instant messenger of the recipient terminal 400 is clicked, the recipient side block chain-based digital virtual currency transaction app 410 is automatically executed (S180) in conjunction with this. .

The beneficiary side block chain-based digital virtual currency transaction app 410 of the automatically executed beneficiary terminal 400 generates a personal details signal for beneficiary authentication including the personal information of the beneficiary who receives a digital virtual currency gift with a block chain, and It is controlled to be transmitted (S190) to the digital virtual currency transaction guide server 200.

After that, when the block chain-based digital virtual currency transaction guide server 200 transmits the personal details signal for authentication of the beneficiary from the beneficiary terminal 400, the personal information of the beneficiary included in the personal information signal for authentication of the beneficiary is stored in the member list information DB. (211), after confirming that the donor is a member, deduct the amount to be donated to the beneficiary from the block chain-based digital virtual currency amount information stored in the electronic wallet information of the donor in the electronic wallet list information DB 212 After accumulating the amount of digital virtual currency amount information stored in the beneficiary's electronic wallet information, the transaction information for digital virtual currency transaction with a block chain is generated based on this amount, and this information is sent to the designated block chain holding servers 100. Transmit (S200).

At this time, the block chain-based digital virtual currency transaction guide server 200 includes the electronic cryptographic source of the virtual currency (including the "file name" or the "node" of the virtual currency in which the virtual currency is formed) and the electronic algorithm source of fingerprints or finger veins and It is determined whether there is a request to convert the donor of the matched virtual currency into a beneficiary by the authentication signal of the fingerprint or finger vein, and the donor-recipient's fingerprint or finger vein authentication information conversion step (S210a) for converting this information is performed. do.

After that, when the designated individual block chain holding server 100 transmits the transaction information for digital virtual currency transaction with the block chain, it verifies the transmitted transaction information for the digital virtual currency transaction with the block chain through blockchain-based digital By authenticating a virtual currency transaction and recording transaction information for a digital virtual currency transaction having a block chain according to the authentication (S210), the transaction is authenticated.

Thereafter, the block chain-based digital virtual currency transaction guide server 200 transmits a message to the donor terminal 300 stating that the digital virtual currency having the block chain has been paid to the donor.

After that, when a message is transmitted from the blockchain-based digital virtual currency transaction guide server 200 to the donor-side blockchain-based digital virtual currency transaction app 310 of the donor terminal 300, the donor side corresponding to the selected IM identification information In a state in which the instant messenger is controlled to be automatically executed, a payment confirmation guide screen for the donor-side instant messenger in which a message is inserted and displayed in the automatically executed donor-side instant messenger (refer to FIG. 3E ) is controlled to be output through the information output unit 301 .

In addition, when a message is transmitted from the blockchain-based digital virtual currency transaction guide server 200, the beneficiary side block chain-based digital virtual currency transaction app 410 of the recipient terminal 400 automatically executes the recipient side instant messenger. In the controlled state, it is controlled so that the accumulated storage guide screen (see FIG. 3F ) for the recipient's instant messenger, in which a message is inserted and displayed in the automatically executed recipient's instant messenger, is output through the information output unit 401 .

Another Bitcoin (same concept as virtual currency) transaction method, Bitcoin (Virtual Currency) is a blockchain structure that collects and encrypts transmission records made in the network. In the transaction method of Bitcoin (same concept as virtual currency), it executes the program mounted on the computer constituting the Bitcoin (same concept as virtual currency) network to authenticate the transaction of Bitcoin (same concept as virtual currency) obtaining by mining the same concept as virtual currency); It is a program executed by a computer, and when trading bitcoins (same concept as virtual currency) obtained by mining and purchasing for the transaction of bitcoin (same concept as virtual currency), execute the program installed in the computer to trade. generating a member's exchange web wallet address on a cryptocurrency exchange server by executing a program loaded on a member server or a member computer equipped with a program provided by the server; Bitcoin (same concept as virtual currency) traded by executing a program mounted on member server or member computer (same concept as virtual currency) Transaction of Bitcoin (same concept as virtual currency) through a cryptocurrency exchange server equipped with a database (DB) that stores transaction details generating an address of an exchange general wallet for a cryptocurrency exchange server; and generating an exchange address of a member stored in a cryptocurrency exchange server in order to trade bitcoin (same concept as virtual currency) by executing a program mounted on the member server or member computer.

At this time, before sending Bitcoin (same concept as virtual currency), biometric authentication of the donor is requested by fingerprint and/or finger vein authentication means for identity authentication, where it is determined whether fingerprint or/and finger vein authentication has been performed to do;

At this time, whether the electronic cryptographic source of the virtual currency (including the "file name" or the "node" of the virtual currency in which the virtual currency is formed) and the electronic algorithm source of the fingerprint or finger vein is matched with the fingerprint or / and finger vein authentication means Determining whether or not the virtual currency and the fingerprint or finger vein authentication information is requested by the; Created on the cryptocurrency exchange server from the member's exchange web wallet address created on the cryptocurrency exchange server in order to quickly process bitcoin (same concept as virtual currency) transactions by running the program mounted on the member server or member computer transmitting bitcoin (same concept as virtual currency) to an exchange general wallet address; While the program installed in the cryptocurrency exchange server is running, the transfer of bitcoin (same concept as virtual currency) from the member's own exchange web wallet address created on the cryptocurrency exchange server to the exchange general wallet address created on the exchange server step of verifying.

At this time, when it is confirmed that the transfer of Bitcoin (same concept as virtual currency) has been made, the program loaded on the cryptocurrency exchange server is executed and the exchange address of the stored member is not real Bitcoin (same concept as virtual currency) depositing and processing Bitcoin (same concept as virtual currency) by changing the numerical value on the database mounted on the cryptocurrency exchange server; And when the transaction of Bitcoin (same concept as virtual currency) is completed due to a change in the number on the database mounted on the cryptocurrency exchange server, the Bitcoin (virtual currency) comprising the step of offsetting the pre-deposited portion without depositing it in the member's database Same concept as money) It is about transaction method.

At this time, if necessary, the electronic cryptographic source of the virtual currency (including the "file name" or the "node" of the virtual currency in which the virtual currency is formed) and the donor of the virtual currency matched with the electronic algorithm source of the fingerprint or finger vein are fingerprinted or designated It is possible to determine whether there is a request for conversion to a beneficiary by the authentication signal of the Mac, and perform the donor-recipient's fingerprint or finger vein authentication information conversion step of converting this information.

In summary, the present invention uses a digital virtual currency transaction system having a block chain between the parties to match the virtual currency with biometric authentication information. The main controller (CPU) 340 includes the encrypted virtual currency 315 and the encryption It consists of a fingerprint / finger vein algorithm 415, a donor terminal 300 including a fingerprint / finger vein recognizer, and a donor terminal 400 including a fingerprint / finger vein recognizer, and encrypted virtual currency here. A conversion device 500 matching the electronic cryptographic source of 315 with the electronic algorithm source 416 of the fingerprint/fingerprint algorithm 415, and a donor-recipient fingerprint that converts the donor's virtual currency into the donor's virtual currency / Consists of a finger vein conversion device (600).

And, the electronic encryption source 316 provided in the first file 315a, which is the basic unit of virtual currency linked with the general matching program 340a, is converted in the general matching program 340a, and the fingerprint/finger vein algorithm 415 ) provided by the electronic algorithm source 416 is converted in the general matching program 340a, they are fused by the electronic cryptographic source of the virtual currency and the electronic algorithm source of the fingerprint / finger vein by the matching program 344 to virtual currency At the same time, the digital algorithm source 416 of the fingerprint or finger vein is converted to a donor-recipient fingerprint/finger vein conversion device by the blockchain-based digital virtual currency transaction guide server 200 to enable transactions as a basic unit of transmission. 600 is a digital virtual currency issuance method that is transmitted by interlocking with a biometric authentication signal, characterized in that it can be converted into an electronic algorithm source of the beneficiary's fingerprint or finger vein.

Next, as another embodiment, a method for using a shopping mall through unauthorized access by phone number will be described with reference to FIGS. 19 to 21 .

19 is an independent URL of the present invention, after entering a phone number to access the affiliated site, accessing the unauthenticated connected affiliated site, purchasing an item, and exchanging the points and coins paid for it, protection insurance is applied It is a flowchart of a financial transaction method that can be done, and FIGS. 20 and 21 are a continuation of FIG. 19, and after entering a phone number to access the affiliate site by the independent URL of the present invention, purchase the goods of the affiliated site connected without authentication As a financial transaction method in which the points paid can be exchanged for coins, a flow chart in which a point holder requests a transaction from a coin holder and a finance that can apply protection-type insurance when exchanging points with the coins paid for it It is a flowchart of the transaction method and a flowchart in which a Coin holder requests a transaction from a Point holder.

First, the present invention turns on the computer, and inputting the URL of the company A (smartphone or computer of the subject side) (S7100); providing a non-authentication access program for interworking with company B's shopping mall without authentication by inputting the customer's phone number into company A's shopping mall server computer (S7200); A smart phone or computer enters a phone number to access the affiliated site, and clicks an unauthenticated access click step (S7300);

After the non-authentication access click step (S7300), a plurality of shopping mall screen providing step (S7300a) of providing a shopping mall, which is a plurality of affiliate sites, on the screen by the CPU; After the multiple shopping mall screen providing step (S7300a), a shopping mall selection step (S7300b) of selecting one desired shopping mall from the customer computer is performed.

In the shopping mall selection step (S7300b), a product purchase/action step (S7900) of purchasing/acting a product from the company B's shopping mall is performed.

After the product purchase/action step (S7900), a reward point transfer step (S8000) of accumulating compensation points for sales commissions for each product in company B's shopping mall and transferring them to company A's shopping mall server computer as an individual unit; After the reward point transfer step (S8000), a Point-Coin exchange request step (S8100) of requesting by exchanging points for coins in the smart phone or computer of the customer;

After the Point-Coin exchange request step (S8100), the block chain-based digital virtual currency transaction guide server 200 determines whether the donor subscribes to a compensation insurance that compensates for damages in the event of a transaction defect (S8101); At this time, when the donor terminal 300 is not subscribed to the compensation insurance, an insurance subscription procedure implementation step (S8102) of clarifying the 'insurance subscription procedure' according to the insurance subscription terms and conditions; After the insurance subscription procedure implementation step (S8102), a Point-Coin exchange and accumulation step (S8200) of exchanging and accumulating customer points when a transaction is established; The Point-Coin exchange and accumulation step (S8200) is completed after the end step (S8300).

And, in the present invention, after the Point-Coin exchange accumulation step (S8200), when the customer selects the step of requesting an exchange of his/her Point to a Coin through the Coin-Point relay transaction app (a), the Running the Coin-Point relay transaction app to run the Coin-Point relay transaction app on a smartphone or computer (S8700); It consists of a coin sales quantity and price input step (S8800) in which the point holder inputs the sales quantity and price of the coin requesting a transaction from the smart phone or computer (S8800).

At this time, after the coin sale quantity and price input step (S8800), the block chain-based digital virtual currency transaction guide server 200 determines whether the beneficiary has purchased compensation insurance that compensates for damages in the event of a transaction defect (S8900) ); At this time, when the donor terminal 300 is not subscribed to the compensation insurance, the insurance subscription procedure implementation step (S8901) for clarifying the 'insurance subscription procedure' according to the insurance subscription terms and conditions; After that, the block chain-based digital virtual currency transaction guide server 200 displays insurance premiums based on the transaction volume and transaction amount of virtual currency on the donor terminal 300 and the donor terminal 400 on the screen ( S9000); In this case, the insurance premium calculation element input step (S9000a) of selecting the insurance type in the insurance premium calculation and expression step (S9000) and determining whether the transaction amount and the transaction amount have been inputted is performed.

After the insurance premium calculation factor input step (S9000a), the block chain-based digital virtual currency transaction guide server 200 sends a premium based on the transaction volume and transaction amount of the virtual currency to the donor terminal 300 and the recipient terminal 400. and a premium payment determination step (S9100) of determining whether the donor or the beneficiary will pay.

After the insurance premium payment determination step (S9100), a Coin holder who wants a coin transaction conditionally inputs a coin into the point holder's bank account (S9200); Coin transaction approval step (S9300) of accepting the transaction by determining whether the coin transmitted in the coin holder coin (conditional) transmission step (S9200) from the smartphone or computer matches the quantity presented by the point holder; In the coin transaction acceptance step (S9300), when the amount of coins matches, a coin transmission step (S9400) of transmitting the coin to the donor terminal; is made of

The following is a Coin to run the Coin-Point relay transaction app on the smartphone or computer when the customer selects the step of requesting to exchange their Coin for Point through the Coin-Point relay transaction app (b) -Running the point relay transaction app (S3001);

executing the Coin-Point relay transaction app to run the Coin-Point relay transaction app on the smartphone or computer (S3001);

a coin sales quantity and price input step (S3002) in which the coin holder inputs the sales quantity and price of the coin requesting a transaction from the smart phone or computer;

a point holder coin price (conditional) deposit step (S3003) in which the point holder who wants the coin transaction conditionally inputs the price into the coin holder's bank account;

a sales price matching step (S3004) of determining whether the amount deposited in the point holder coin payment step (S3003) in the smartphone or computer matches the amount presented by the coin holder;

If the two do not match, the re-deposit notification step (S3005) of notifying the buyer to deposit the sales price again;

Coin transmission step (S3006) of transmitting a coin to the beneficiary terminal when the deposit of the sales price is matched in the sales price matching step (S3004);

Here, an authentication signal can be further used in the transmission step. The authentication signal is a concept that includes not only numeric signals such as passwords, passwords, OTP reply numbers, etc., but also enter signals. say Hereinafter, the same

The Coin holder completes the Coin transfer and final approval so that the sale price is paid while completing the Coin transfer (S3007);

After that, the transaction termination step (S3008) is performed, in which the coin transmission completion and sales price payment completion step (S3007) are performed.

Also, in the present invention, the coins exchanged for the points are the electronic cryptographic source 316 provided in the first file 315a, which is the basic unit of virtual currency linked to the general matching program 340a, and the general matching program ( 340a), and the electronic algorithm source 416 provided by the fingerprint / finger vein algorithm 415 is converted in the general matching program 340a, and these are the electronic cryptographic source and fingerprint of the virtual currency by the matching program 344. / At the same time, the electronic algorithm source 416 of the donor's fingerprint or finger vein is fused by the electronic algorithm source of the finger vein to become the basic unit of virtual currency transmission and is a block chain-based digital virtual currency transaction guide server. (200) by means of the beneficiary's fingerprints or finger veins that can be converted into an electronic algorithm source.

In the above, the configuration and operation of the financial transaction relay processing method capable of transacting virtual currency linked to the bank and the shopping mall according to the present invention has been illustrated according to the detailed description and drawings, but this is only described by way of example. , various changes and modifications are possible without departing from the technical spirit of the present invention.

910 ; Company A server
912: Company A phone number screen
920: Company B server
930 : My Mall (C company) sale server
940: Company D business ID mall server
950: domain screen
960: My Mall video screen

Claims (2)

First, turning on the computer and inputting the URL of the company A (smartphone or computer of the subject side) (S7100);
providing a non-authentication access program for interworking with company B's shopping mall without authentication by inputting the customer's phone number into company A's shopping mall server computer (S7200);
An unauthenticated access click step (S7300) in which a smartphone or computer inputs a phone number to access the affiliated site and clicks unauthenticated access;
After the non-authentication access click step (S7300), a plurality of shopping mall screen providing step (S7300a) of providing a shopping mall, which is a plurality of affiliate sites, on the screen by the CPU;
shopping mall selection step of selecting one desired shopping mall from the customer computer (S7300b);
In the shopping mall selection step (S7300b), a product purchase/action step (S7900) of purchasing/acting a product in the shopping mall of company B;
After the product purchase/action step (S7900), a reward point transfer step (S8000) of accumulating compensation points for sales commissions for each product in company B's shopping mall and transferring them individually to company A's shopping mall server computer (S8000);
After the reward point transfer step (S8000), a Point-Coin exchange request step (S8100) of requesting by exchanging points for coins in the smart phone or computer of the customer;
After the Point-Coin exchange request step (S8100), a Point-Coin exchange and accumulation step (S8300) of exchanging and accumulating customer points when a transaction is established;
After the Point-Coin exchange accumulation step (S8300), when the customer selects the step of requesting an exchange of his/her Point to Coin through the Coin-Point relay transaction app (a), in the smartphone or computer, Running the Coin-Point relay transaction app to run the Point relay transaction app (S4001);
a coin sales quantity and price input step (S4002) for the point holder to input the sales quantity and price of a coin requesting a transaction from the smart phone or computer;
Coin holder coin (conditional) transmission step (S4003) in which the coin holder who wants the coin transaction conditionally inputs the coin to the point holder's bank account;
Coin transaction approval step (S4004) of accepting the transaction by determining whether the coin transmitted in the coin holder coin (conditional) transmission step (S4003) from the smartphone or computer matches the quantity presented by the point holder;
A coin transmission step (S4005) of transmitting a coin to the donor terminal when the amount of coins is the same in the coin transaction approval step (S4004);
A financial transaction relay processing method capable of transacting virtual currency linked to a shopping mall linked with a bank, characterized in that it consists of a termination step (S4006) that is ended thereafter.
The method of claim 1,
The coins exchanged for the points are converted by the electronic cryptographic source 316 provided in the first file 315a, which is the basic unit of virtual currency linked to the general matching program 340a, in the general matching program 340a, and fingerprint / The electronic algorithm source 416 provided by the finger vein algorithm 415 is converted in the general matching program 340a, and these are the electronic cryptographic source of virtual currency and the electronic algorithm source of the fingerprint / finger vein by the matching program 344. At the same time, the electronic algorithm source 416 of the donor's fingerprint or finger vein is fused to become a basic unit of virtual currency transmission and can be transacted by the blockchain-based digital virtual currency transaction guide server 200 by the donor's fingerprint. Or a financial transaction relay processing method that can transact virtual currency linked to a shopping mall linked with a bank, characterized in that it can be converted into an electronic algorithm source of finger veins.

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