KR20220068812A - Method for stepwise transfer of electronic money - Google Patents

Abstract

The present invention relates to a method for operating electronic payment means with exchange value. According to the payment means operation method, a recipient can normally use a payment amount for subsequent payment only when a remittor approves the use of the payment amount or set use-limiting conditions are lifted after the payment amount in which the use-limiting conditions are set by the remittor is paid to the recipient based on remittor instructions. If the remitter does not approve the use of the payment amount or the set use-limiting conditions are not lifted, the remitter and the recipient may agree or an arbitrator may make an arbitration decision to refund some or the entire amount to the remitter and, if the recipient has a remaining amount, it is normalized and can be used by the recipient. In addition, the present invention relates to a simple payment method for electronic payment means in which a string combined with a recipient's name is used as a recipient account name.

Description

Method for stepwise transfer of electronic money

The present invention relates to a method of operating an electronic payment means, and more specifically, to overcome the disadvantages of the existing monetary system in which the payment is completed at once by completing the payment through a plurality of steps when the electronic payment means is paid and the intention of the payment and the operation method of electronic payment means that realize the maximum effect.

After the legal currency or existing electronic payment method is transferred to another person at one time in real or electronic way, all rights related to money are transferred to the recipient, It can be said that there is a fundamental limit that cannot prevent such damage cases from occurring. For example, many transactions, such as second-hand transactions and service services, are completed after a certain period of time, but the transaction price (even if it is paid in installments) is paid at one moment, so the benefits of both sides of the transaction differ depending on the timing of payment. The party who receives the payment later or the party who pays first is forced to trust until the end of the transaction, and the other party is exposed to temptations such as breach of contract or fraud.

To solve this problem, depositing money into a third-party account such as escrow is often used, but fees are charged for all transactions, additional procedures and time are required, and users respond directly and in detail There is a limit to what it can do, so users often experience inconvenience or turn away from it.

Republic of Korea Patent Registration 10-0800087 Account transaction method and system Republic of Korea Patent Publication No. 10-2019-0044362 P2P payment system and method of controllable smart money Republic of Korea Patent Publication 10-2019-0136844 Cancellable cryptocurrency remittance method Republic of Korea Patent Registration 10-1199000 Electronic money management system and method using attribute information

It was devised to solve the problems of the prior art, and an object of the present invention is to systematically provide trust necessary for a transaction while transaction parties directly exchange payment means without going through a third party. More specifically, by allowing the electronic payment method to complete payment through a plurality of steps ① First, by transferring the electronic payment method to the payee account at the start of the transaction, the payee can confirm that the payee has received the payment, and proceed with the transaction with confidence. ② After the transaction is completed, the sender checks the result of the transaction and whether there are any defects, and then exercises the option to suspend the payment, etc. In this case, part or all of the remittance amount is refunded to the sender by agreement between the sender and the recipient or by the arbitrator's arbitration, and the remaining amount is used normally by the recipient, thereby providing a means of completing a financial transaction consistent with the outcome of the transaction. This means can also be used as a means to recover the remittance in case the remitter has made a remittance by mistake. Also, for an additional purpose, we are providing a simple, easy-to-remember payee account name instead of a bank account number or cryptocurrency address.

In order to solve this problem, an electronic payment means having properties and methods capable of achieving the object of the present invention is provided in conjunction with a block chain or financial server system, and users recharge the electronic payment means with cash through a mobile app or web Therefore, users can pay between users when necessary, and their electronic payment means can be exchanged for cash.

The present invention has the following effects by the above configuration.

① According to the present invention, the parties to the transaction, such as the sender and the recipient, can secure the trust necessary for the transaction without relying on a separate procedure that involves costs such as depositing money into a third-party account such as escrow. In other words, if the recipient is a provider of goods or services, the recipient can have confidence that the payment will be received if the terms of the transaction are faithfully fulfilled. It is possible to secure the trust that the payment is guaranteed.

More specifically, if the sender promises the recipient the terms of the transaction and pays the means of payment as the price, but the recipient violates the terms of the transaction, the sender will pay the amount You can disable the exchange value so that the payee cannot make subsequent payments or exchanges. In such a case, the sender and the recipient can agree to each other to allow the sender to recover some or all of the amount and the remaining amount to be used normally by the recipient. have. Alternatively, if both parties cannot agree, a third arbitrator agreed in advance may intervene to determine which party is attributable to the non-normal transaction, and allow the recovery and normalization procedures to proceed according to the percentage of negligence.

② According to the present invention, if the remitter paid the payment method to the recipient, but entered the recipient's account number or account address incorrectly, or there is an error in entering the amount, the remitter may recover the amount according to the collection option set at the time of payment of the payment method. can

③ According to the present invention, when the remitter pays the remittee with a specific intention of the remittee's usage, the payment procedure can be carried out with confidence by designating or limiting the list of remittances for the amount of money. In addition, according to the present invention, when the remitter makes a subsequent payment to another account using the amount received by the remitter, the remitter can carry out the remitter's payment intention by designating or limiting the transferable period, time zone, and regional conditions intended by the remitter for the first time. there will be In addition, the sender can check the status of how the recipient repaid the means of payment in the subsequent transaction, so that the sender has a means to monitor the adequacy of the transfer of funds.

④ According to the present invention, when a payment means is paid, a simple and easy-to-remember payee account name is used instead of a bank account number or cryptocurrency address to increase input convenience and reduce the possibility of errors.

1 shows a system in which electronic payment means are issued and stored.
FIG. 2 is an example of a screen in which a remitter specifies a usage restriction condition while paying a payment means to a recipient.
3 is an example illustrating transmission additional information including use restriction conditions.
4 is an example of a case in which subsequent payment is restricted by usage restriction conditions.
5 is an example of a screen in which the remitter designates the payment pending period while providing the payment means to the recipient.
6 is an example of a screen through which the recipient can return the received amount.
7, 8, and 9 are examples of screens showing functions that the sender and the recipient can take with respect to the amount of remittance for which payment has been suspended.
10 is a flowchart according to the transaction situation between the remitter and the remittee.
Figure 11 shows the transmission identifier at the time of receipt.
12 is an example of a fund tracking function.
13 is an example of deposit confirmation of the payment means.
14 is an example of creating a simple account name.
15 is an example of using the simple account name for the payee account name.

Hereinafter, an embodiment of the present invention will be described in more detail with reference to the accompanying drawings. Embodiments of the present invention may be modified in various forms, and the scope of the present invention should not be construed as being limited to the following embodiments. This embodiment is provided to more completely explain the present invention to those of ordinary skill in the art. In addition, although specific terms have been used in the drawings and the specification of the present invention, these are used only for the purpose of describing the present invention and are not used to limit the meaning or the scope of the present invention described in the claims. Therefore, it will be understood by those skilled in the art that other embodiments with various modifications are possible therefrom. Therefore, the true technical protection scope of the present invention should be determined by the technical spirit of the appended claims.

① As shown in Fig. 1, the issuing institution or the issuing company 110 issues the electronic payment means 100 with an exchange value and the quantitative value is expressed as an amount, and the balance and ledger information are transmitted to one or a plurality of synchronized servers or blocks. It can be stored in the computer storage medium 120 connected to the network, such as a chain. This means of payment can be exchanged for fiat currency, so the user can purchase or recharge the means of payment by paying fiat money to the issuing institution or issuing company. In the embodiment of the present invention, as shown in Fig. 1, the name of the payment means is smart money, and the unit is 'won' for convenience.

② While the remitter pays the remitter electronically using a mobile device or computer for the payment means, the remitter can select or input various restrictions on use. Figure 2 is an example of the screen where the remitter Kkeok-jeong Lim pays the payee Hong Gil-dong a means of payment of 15,000 won. This means the ability to get it back from the recipient within 1 day after payment, within the limit of 15,000 won at the will of the sender. You can use this option when you are concerned about the safety of your payment, for example when you are making a payment to a recipient for the first time, to prepare for possible payment errors. Also, in this example, designating the designated spending account 220 as 'Sungkyunkwan Bookstore' means that 15,000 won to be paid this time can be repaid only to the account or wallet address of 'Sungkyunkwan Bookstore'. Designated spending accounts can be entered one by one or can be easily entered or selected through a QR code or a pre-registered account group.

③ The usage restriction conditions created for each individual transmission by the method of ② above are included in the transmission additional information 300 in FIG. It is stored in or linked to the ledgers of the sender and the recipient.

④ The remittee will hold the sum of the amounts of payment methods received from multiple remitter or in multiple cases as the total balance. Now, when the recipient becomes the remitter and makes a subsequent transaction, this transmission system determines whether the individual transmission additional information of the current remitter meets various restrictions such as the use (spending account) and payment pending conditions. will decide whether to pay or not. In the example of Figure 4, when Hong Gil-dong, the remitter, wants to pay 10,000 won to the Gongju inn, when he inquires 400 of Hong Gil-dong's ledger 410 to determine whether this payment is possible, the total balance 411 is 20,000 won even though it is sufficient When the conditions of the transmission additional information possessed by the company are determined, the balance that can be paid to the inn is only 5,000 won (420) without any restrictions on the usage, so this payment attempt is not allowed by the system (430). On the other hand, if Hong Gil-dong tries to pay 3,000 won to Gongju inn, the payment is successful by using 3,000 won out of 5,000 won (420) with no restrictions on usage, and the balance of transmission additional information 420 without restrictions on usage is changed to 2,000 won. and the total balance 411 is 17,000 won.

⑤ In the same principle as in ② above, the remitter may suspend (suspend) the recipient's subsequent transaction for the amount within this period by separately setting the option 500 for withholding payment as shown in Fig. 5 when the payment means is transmitted. be able to Accordingly, during this period, the remitter's transactional goods or services can be checked for defects, allowing time leeway to be guaranteed.

⑥ The beneficiary who has been paid the payment method for which the conditions for restrictions on use have been set as in ⑤ above may refuse to receive the amount and return it. In the example of FIG. 6 , the payee who received 100,000 won for which the 3-day payment hold period is set can return the full amount by pressing the return button when he is not satisfied with the transaction conditions.

⑦ Within the payment pending period in ⑤ above, the remitter has the right to normalize (approve) or suspend the payment. Accordingly, if the sender promises to purchase the goods from the payee and pays the payment means in advance, but the payee does not pay the goods as promised or pays the defective goods, etc., the sender will By suspending payment of the amount indefinitely, the exchange value can be disabled, making subsequent transmission or exchange impossible for the recipient. For example, on the payee screen of FIG. 8, payment of 100,000 won is stopped and the total balance is 126,300 won, but the available amount is calculated and displayed as 26,300.

⑧ If the payment suspension measures in ⑦ above are made, the sender can recover some or all of the amount suspended by agreement between the sender and the recipient, and the additional information for transmission of the amount is modified so that the recipient can dispose of the remaining amount normally. will close the transaction. For example, in drawing 8, the recipient can set the amount of refund agreed with the sender by pressing the refund amount setting button. If this amount was, for example, 5,000 won, the sender presses the 5,000 won refund button as shown in figure 9 to receive a refund and the remaining amount. Normalization can be batch processed.

Alternatively, if the sender and the recipient do not agree and press the arbitration request button in Figure 8 or Figure 9, the cause and percentage of the transaction attributable are determined according to the judgment and arbitration of a pre-designated third-party arbitration company or arbitrator. Part or all of the suspended amount can be recovered by the sender and the remaining amount can be disposed of normally by the recipient.

⑨ FIG. 10 is a flowchart illustrating the operation process of the electronic payment means described in ② to ⑧ above according to an embodiment.

Case 1: Transaction Rejection (Return)

In case the recipient returns (refund) the full amount of the remittance due to an objection to the transaction conditions (payment pending period, etc.)

case 2: recovery

If the sender requests a recovery within the collection period set by the sender, and a full refund is made to the sender

case 3: Normal transaction completed

In case the remitter normalizes (approve) the pending payment because there is no defect in the transaction result, such as the goods or services provided

Case 4: (Partial) Completed transaction after refund

When the sender suspends payment due to a problem with the transaction result, the sender and the recipient agree to set the refund amount and refund, and the remaining amount is normalized

case 5: Transaction completion after arbitration

When the sender suspends payment due to a problem with the transaction result, the sender and the recipient do not reach an agreement, so an arbitration request is made, and refund and normalization are processed according to the result of the arbitration

⑩ The additional transmission information includes a transmission identifier that can identify the current additional transmission information itself, as well as a transmission identification symbol at the time the funds used for this transmission are received. In the example of Figure 11, when Hong Gil-dong transmits 10,000 won out of 15,000 won received by Lim Kkeok-jeong as a Sungkyunkwan bookstore to Sungkyunkwan Bookstore, in the transmission additional information 600, the transmission identifier ( 610) as well as abcd12(620), which is the transmission identifier at the time of receiving 15,000 won, which is the source of the funds.

⑪ By using the transmission identifier and receivable transmission identifier in ⑩ above, the sender can check the status of how the recipient repaid the means of payment in a subsequent transaction. In the example of Figure 12, the first remitter, Kkeok-jeong Lim*Yangju (700) paid 10,000 won to Gil-dong Hong*Sweet girl (710), and 10,000 won he already had before receiving 10,000 won from Gil-dong Hong*sweet girl Im Kkeok-jeong*Yangju and after receiving the payment In addition, after the total of 10,000 won received from a third party totaled 30,000 won, 14,000 won and 15,000 won were paid to Jang Gil-san*Guwol (720) and Kim Satgat*Goam (730) in sequence, and Jang Gil-san*Guwol from Hong Gil-dong* This is the case in which 14,000 won and 12,000 won were paid sequentially to Zhuge Liang*Shohan (740) and Son Ohgong*Cheonchuk (750) after adding up the 14,000 won received and 10,000 won they already had to 24,000 won.

The amount indicated in parentheses in Fig. 12 shows the results of tracking how the 10,000 won paid to the first remitter Lim Kkeok-jeong * Yangju Hong Gil-dong * Kwae-geol was paid to and moved to subsequent recipients.

⑫ In the same principle as ②, ③, and ④ above, the remitter uses the amount received by the recipient when transmitting the payment method and makes the first payment by specifying the transferable period, time zone, and regional conditions when transferring to another account. intention can be carried out. Accordingly, for example, it is possible to provide a payment method that can be retransmitted for a certain period or only in a specific region.

⑬ After sending, the sender can confirm that the means of payment of the amount is actually deposited into the recipient's account as shown in Figure 13. This is accomplished by the transmission system confirming that the recipient's balance has been increased by the amount, and that the additional transmission information is recorded in the recipient's ledger without any abnormality. be able to

⑭ Users can use a combination of a real name 1000 and a character string 1010 as an account name as shown in FIG. 14 when subscribing to the payment means transmission system. The user's real name is automatically included by the user's authentication, and the rest of the character string or symbol is entered according to the user's wish. This system approves and allows use of the string combination selected by the new user, unless the string is already in use by people with the same name. Therefore, you can have a wide range of character string selection because you only need to avoid duplication among people with the same real name. The account name created in this way is used by this transmission system as a mapping method with the unique account address used internally by the system. In this way, the sender can increase input convenience and reduce the possibility of input errors by using a simple, readable, and easy-to-remember payee account name instead of a traditional bank account number with more than 10 digits or a cryptocurrency address with tens of digits.

⑮ As shown in Fig. 15, when the remitter transmits the payment means, the account name of the combination of the real name and the character string generated by ⑭ above in the remittee account name 1100 may be used instead of inputting the remittance account number or wallet address. In addition, if the sender enters the recipient's account name or selects it from the stored list, the sender may proceed with the transmission after the sender goes through the process of once again confirming whether the recipient is the correct recipient by extracting and presenting additional information of the recipient, such as SNS account information, pre-stored in the transmission system. have.

Claims (8)

A procedure for paying an electronic payment method in which the quantitative value is expressed in terms of an exchange value,
① Step 1: The payment amount for which the sender has set usage restrictions, refund standards in case of dispute, and approval standards based on the progress of transaction is deducted from the sender’s balance and added to the recipient’s balance according to the instructions of the sender;
② Step 2: After information on the conditions for use restrictions set in Step 1, refund standards in case of dispute, and approval standards according to transaction progress progress is provided to the recipient, providing a means for the recipient to return the payment;
③ Step 3: The remitter approves the use of some or all of the payment amount according to the approval criteria according to the progress of the transaction, or the use restriction conditions set in the first step are resolved
After passing through all of the above, the payee can normally use some or all of the payment amount for subsequent payments,
In the third step, if the remitter does not complete approval for the use of the payment amount and the use restriction conditions are not resolved,
A) If the sender and the recipient agree on a refund, the amount agreed upon among the above payments will be deducted from the recipient’s balance and added to the sender’s balance so that the sender can use it normally. be able to make payments
B) If the sender and the payee do not agree, the arbitrator determines the refund amount according to the refund criteria set in step 1 above, and the amount is deducted from the payee's balance and added to the sender's balance so that the sender can use it normally and, if the payee has the remaining amount, the amount is approved and the payee can make subsequent payments. The method of claim 1,
The usage restriction conditions set by the sender in the first step are
① If the sender designates the right to collect it within a specified period, the recipient cannot make subsequent payments during this period;
② If the sender designates withholding payment for a certain period of time, the condition that the recipient cannot make subsequent payments during this period;
③ If the sender sets additional payment suspension within the payment hold period specified in ② above, the recipient cannot make subsequent payments indefinitely;
④ the condition that the first sender pre-designates or limits one or several subsequent payees or groups of payees when making subsequent payments using the amount received by the payee;
⑤ Operation method of an electronic payment method that includes at least one of the conditions in which the first remitter pre-specifies or restricts the period, time zone, region, etc. that can be paid when the recipient makes subsequent payments using the received amount The method of claim 1,
In case of a dispute set by the sender in the first step, the refund standard is
① Refund amount or refund rate when the transaction product or service that is the basis for remittance is not provided within the agreed period between the sender and the recipient
② Refund amount or refund rate when the quantity or number of transaction products or services that are the basis for remittance is not provided as promised by the sender and recipient
③ Operation method of electronic payment means including at least one of the refund amount or ratio when the quality of the transaction product or service that is the basis for remittance is not provided as promised by the sender and the recipient The method according to claim 1, wherein the information provided to the payee in the second step includes information on an arbitrator randomly selected from a pool of arbitrators. The method according to claim 1, wherein the remitter can directly check whether the payment means of the corresponding amount has been successfully received in the account of the payee immediately after payment. The method according to claim 1, wherein the remitter can check the status and details of subsequent payments to other remittees using the amount received by the remittee. A method of operating an electronic payment method in place of the beneficiary account number or wallet address by using a string combined with the name of the beneficiary as the beneficiary account name while providing an electronic payment method with an exchange value and its quantitative value expressed as an amount 8. The method of claim 7, wherein when the sender inputs or selects a payee account name consisting of a character string combined with the payee's name, additional information of the payee is extracted from the operating system of the electronic payment means and presented, and the sender confirms it Operating method of electronic payment means, characterized in that payment

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