KR20220127743A - Method and system for electronic payment using virtual currency limit granted with cryptocurrency as collateral - Google Patents

Abstract

According to an embodiment of the present invention, an electronic payment agency system is an electronic payment agency system using virtual currency with limit granted based on cryptocurrency provided as collateral. Provided is a payment agency server which grants a virtual currency limit on the basis of a cryptocurrency collateral providing signal received from the user terminal or the exchange market server, transmits a virtual currency information providing signal to the user terminal or the exchange market server, and processes payment when a virtual currency payment request signal is received from the user terminal or the payment request terminal. According to the present invention, it is possible to conveniently purchase a product through online/offline electronic commerce or send electronic money to another user without legal currency or a credit card.

Description

Electronic payment agency method and system using virtual currency with a limit granted with cryptocurrency as collateral

The present invention relates to electronic commerce or electronic remittance, and more particularly, to an electronic commerce or electronic remittance settlement agency using a virtual currency with a limit granted with a block chain-based crypto currency as collateral.

In the real economy, in the past, fiat money, such as cash, was used as a payment method in return for the provision of goods and services. Electronic money belonging to CBDC (Central Bank Digital Currency) is used as an electronic payment method, and the legal currency and electronic money (hereinafter referred to as legal currency) cannot be issued or distributed by anyone in accordance with the relevant laws. .

As the management and supervision authority for the issuance and distribution of currency is centralized in this way, the need to build a system in a way of mutual monitoring through decentralization has emerged, and recently, digital-based virtual Currency issuance and distribution technology of a new concept such as Virtual Currency or Cryptocurrency is receiving great attention.

A virtual currency is a digital asset or virtual asset, which, unlike legal currency, is a currency or token that is used in a virtual economy or virtual environment or that digitally or virtualizes tangible/intangible assets, securities, etc. is also included.

Cryptocurrency is a digital or virtual asset belonging to a virtual currency or having the same meaning. A brief technical background is that the ownership or transaction status of the cryptocurrency is continuously recorded in a block that acts as a ledger, and blocks are formed. To prevent double spending, in which transaction records are recorded based on a blockchain connected to It is implemented as a technology for this purpose, and a representative cryptocurrency is Bitcoin.

However, in the case of cryptocurrencies such as Bitcoin, the greater the number of participants in the mining (mining) participant who writes the transaction ledger and receives compensation, the higher the difficulty, so it becomes difficult for general users to acquire currency, and transaction records and proofs are difficult to obtain. In order to do so, considerable computing power is required, the processing speed is slow due to the nature of the distributed ledger, and the higher the scarcity, the higher the value.

To supplement this, various types of cryptocurrencies with various characteristics based on or applied to blockchain or smart contract have been recently announced, and they are trying to distribute as currency in conjunction with the real economy in various places. In this case, direct payment or remittance with the user's own cryptocurrency, or use for payment by immediately exchanging it to legal currency according to the cryptocurrency market price at the time of using e-commerce, or by exchanging it with a cryptocurrency issued by the payment agency itself. However, the problem of payment in such a way that the ownership of cryptocurrency itself changes is the inconvenience of having to purchase or exchange cryptocurrency in advance through an exchange for every payment in order to use e-commerce, For merchants who have received cryptocurrency as payment for payment, it cannot be excluded that a loss may occur due to fluctuations in the value of cryptocurrency at the moment or after each exchange for legal currency or at the moment of payment. In some cases, if the value changes, there may be a fatal problem of receiving less money back than the cryptocurrency used for the original payment. The method of using cryptocurrency directly or by exchanging it as an e-commerce payment that must be made and recorded has a very big problem and is inefficient at the same time.

In the case of cryptocurrencies with such volatility, there is still a limit to being replaced with legal currency in e-commerce or electronic remittance due to the nature of the assets to be owned. , it can solve the problem of fluctuations in value at the time of payment, but still requires real-time fast payment processing because it still has the disadvantages of the conventional cryptocurrency (slow processing speed due to mutual verification to prevent double payment). It is inefficient in electronic payment, and it is difficult to verify over-issuance, so reliability is not guaranteed, which has the opposite effect of lowering the value, making it not suitable for virtual assets as well as legal currency.

Recently, in various financial transactions using cryptocurrencies, as the centralized finance (CeFi, Decentralized Finance) method and the decentralized finance (DeFi, Decentralization Finance) method are mixed, there is Although a loan brokerage system that reflects the market price with currency as collateral is emerging, users have the disadvantage of having to pay interest even if they do not use the funds if they receive a loan in advance for e-commerce or electronic remittance that may occur in the future. The more users who want to get a loan, the higher the transaction fee may be incurred, and in some cases, the risk is high because the transaction or asset is not guaranteed.

On the other hand, the payment methods for e-commerce (purchasing products at online/offline affiliated stores) in the real economy are largely divided into two types.

The first is to make a purchase in advance with a credit card, a proof that can be paid in lieu of legal currency, and then pay later (hereinafter referred to as deferred payment). Specifically, the user guarantees credit from the credit card company. When paying for a product with a credit card issued to It requires a lot of capital to become a member, and has to bear a high degree of risk (delay or loss of payment by users) for payment recovery, so it is necessary to pay a lot of effort and money to verify the user's creditworthiness, and it is a barrier to market entry for latecomers This is very high.

In particular, in the initial e-commerce, VAN (Value Added Network), which supplied a communication network, participated in the middle because a credit card company did not have a means to communicate with offline merchants and credit card payment communication. In addition, because PG (Payment Gateway) participates as an electronic payment and settlement agency, it has a structure in which the merchant has no choice but to bear high fees as it goes through several intermediate payment steps.

Recently, a deferred payment method has been introduced that verifies the creditworthiness of users by using big data, etc. and grants a small limit, but collecting big data itself is not an easy task. This can only be a burden.

The second is immediate payment by bank transfer, in which the user deposits cash in a bank or a payment agency and transfers the product to the merchant account using a prepaid electronic payment method such as debit, prepaid, debit card, or internet banking. If you do not deposit cash in your bank account or payment agency account in advance, you cannot purchase a product, and you have to transfer it to the unique account of each merchant each time. Therefore, it is difficult to complete real-time payment, and to compensate for this, there is a method in which an online merchant directly transfers money when the user provides an account number and password. It can take a lot of money to build a system for strengthening security, and it is useless if the bank does not cooperate.

Another method of electronic remittance in the real economy is to make a deposit in advance at a bank (including internet banks) and transfer it to another user's bank account within the scope of the deposit. The problem is, there is a hassle of having to make a deposit in advance every time.

The problem to be solved by the present invention is to freely use the virtual currency for electronic payment within the limits granted with the cryptocurrency as collateral without the need to purchase or exchange the cryptocurrency each time, so that the value of the virtual asset of the cryptocurrency is maintained immediately Even if you do not have a legal currency or credit card, you can easily pre-purchase products through online/offline e-commerce and pay later, or use the service of pre-payment and post-payment when making electronic remittances. It is to provide an electronic payment agency method and system using virtual currency.

An electronic payment proxy method using a virtual currency to which a limit is given with a cryptographic currency as collateral according to an aspect of the present invention,

receiving, by the payment proxy server, a signal to provide a crypto currency collateral from a user terminal or an exchange server, or transmitting a signal to release a crypto currency collateral to the user terminal or an exchange server;

granting a virtual currency limit based on the encryption currency security providing signal received by the payment proxy server;

transmitting, by the payment proxy server, a virtual currency information providing signal to a user terminal or an exchange server;

receiving, by the payment proxy server, a virtual currency payment request signal from a user terminal or a payment request terminal, or transmitting a virtual currency payment result signal to the user terminal or payment request terminal; and the virtual currency payment received by the payment proxy server a payment processing step of deducting the virtual currency within the virtual currency limit granted to the user by the amount of payment information included in the request signal;

The payment proxy server may include receiving a legal currency deposit signal or a legal currency withdrawal signal from the user terminal.

According to an embodiment, the electronic payment proxy method includes:

It may include the step of forming a liquidity pool through token issuance based on the payment agency's cryptocurrency, collateralized cryptocurrency, or capped virtual currency.

According to an embodiment, forming the liquidity pool comprises:

It may further include a step made through a smart contract.

An electronic payment agency system using a virtual currency to which a limit is given with a crypto currency as collateral according to another aspect of the present invention includes a payment agency server,

The payment proxy server receives a crypto currency collateral providing signal from a user terminal or an exchange server, or transmitting a crypto currency collateral release signal to the user terminal or an exchange server;

The payment proxy server grants a virtual currency limit based on the received crypto currency security providing signal;

The payment proxy server transmits a virtual currency information providing signal to a user terminal or an exchange server;

The payment proxy server receives a virtual currency payment request signal from a user terminal or a payment request terminal, or transmits a virtual currency payment result signal to the user terminal or payment request terminal, and the virtual currency payment received by the payment proxy server payment processing in which virtual currency is deducted within the virtual currency limit granted to the user by the amount of payment information included in the request signal;

The payment proxy server may include receiving a legal currency deposit signal or a legal currency withdrawal signal from the user terminal.

According to one embodiment, the crypto currency security providing signal includes communication information and security information, crypto currency information, crypto currency token information, crypto currency quote information, crypto currency credit rating information, crypto currency collateral setting information, crypto currency collateral providing target information At least one of any one or more may be included.

According to an embodiment, the encryption currency collateral release signal may include at least any one or more of communication information and encryption currency information, encryption currency token information, encryption currency security cancellation information, and encryption currency security cancellation target information.

According to one embodiment, the virtual currency information providing signal includes communication information and collateral crypto currency price information, virtual currency information, virtual currency token information, virtual currency limit information, virtual currency usage information, virtual currency remaining information, legal currency balance information , at least any one or more of the accumulated points may be included.

According to an embodiment, the virtual currency payment request signal may include at least one of communication information, security information, and payment information.

According to an embodiment, the virtual currency payment result signal may include at least one of communication information, payment information, and payment result information.

According to an embodiment, the legal currency deposit signal may include at least one of communication information, security information, legal currency deposit information, and deposit account information.

According to an embodiment, the legal currency withdrawal signal may include at least one of communication information, security information, legal currency withdrawal information, and withdrawal account information.

According to an embodiment, the communication information may include at least one of user information, exchange information, payment agency information, affiliate store information, and identification information.

In the electronic payment agency system using a virtual currency to which a limit is given with a cryptographic currency as collateral according to another aspect of the present invention,

By sending a signal to provide a crypto currency collateral to the payment proxy server, or by receiving a signal to release the crypto currency collateral from the payment agency server,

An exchange server may be included that allows the payment proxy server to grant a virtual currency limit based on the crypto currency collateral providing signal, thereby enabling the user terminal or the exchange server to receive the virtual currency information providing signal.

In the electronic payment agency system using a virtual currency to which a limit is given with a cryptographic currency as collateral according to another aspect of the present invention,

Receives a virtual currency information provision signal from a payment agency server that has given a virtual currency limit based on the crypto currency collateral provision signal,

By sending a virtual currency payment request signal to the payment agency server, the payment agency server deducts the virtual currency within the virtual currency limit granted to the user by the amount of payment information included in the virtual currency payment request signal A user terminal that enables processing or receives a virtual currency payment result signal from the payment proxy server may be included.

In the electronic payment agency system using a virtual currency to which a limit is given with a cryptographic currency as collateral according to another aspect of the present invention,

Transmitting a virtual currency payment request signal to the payment agency server that has given the virtual currency limit based on the encryption currency collateral providing signal, the payment agency server grants the user the amount of payment information included in the virtual currency payment request signal A payment request terminal that enables payment processing by deducting virtual currency within the virtual currency limit or receives a virtual currency payment result signal from the payment proxy server may be included.

According to the electronic payment agency method and system using virtual currency to which the limit of the cryptocurrency is given as collateral of the present invention, from the user's point of view, the virtual currency is a virtual asset with variable value, while retaining the cryptocurrency as it is, and using it as collateral. By using this, you can easily purchase products through on/offline e-commerce or send electronic remittances to other users without needing a legal currency or credit card right away.

According to the electronic payment agency method and system using the virtual currency to which the limit is given with the encryption currency as collateral of the present invention, the payment agency can secure the user's encryption currency as collateral, thereby greatly reducing the risk of payment collection. , if the creditworthiness of users who own cryptocurrencies is continuously managed, information comparable to big data can be collected, thereby greatly reducing the cost of credit investigations. In addition, the number of transaction records can be reduced through virtual currency payment processing in the payment agency server, and there is no need to verify whether the user has double-paid, so the payment processing speed can be increased while computing power can be reduced. In addition to reducing unnecessary energy waste, it can also save operating costs.

According to the electronic payment agency method and system using a virtual currency to which a limit is given using a crypto currency as collateral of the present invention, the merchant has to go through several steps in the e-commerce payment process and pay a high fee through a conventional credit card or account transfer Reliance on payment methods can be reduced, and fees can be significantly reduced by adopting a direct payment method with a payment agency.

1 is a conceptual diagram illustrating an electronic payment agency system using a virtual currency to which a limit is granted with a cryptographic currency as collateral according to an embodiment of the present invention.
FIG. 2 is a conceptual diagram illustrating a step of requesting a cryptographic collateral by a user terminal used in an electronic payment agency system using a virtual currency to which a limit is granted with a cryptographic currency as collateral according to an embodiment of the present invention.
3 is a conceptual diagram illustrating a crypto currency collateral request step in an electronic payment proxy method using a virtual currency to which a limit is granted using a crypto currency as collateral according to an embodiment of the present invention.
4 is a conceptual diagram illustrating a virtual currency payment request step by a user terminal used in an electronic payment agency system using a virtual currency to which a limit is granted with a cryptographic currency as collateral according to an embodiment of the present invention.
5 is a conceptual diagram illustrating a virtual currency payment request step in an electronic payment proxy method using a virtual currency to which a limit is granted using a crypto currency as collateral according to an embodiment of the present invention.

With respect to the embodiments of the present invention disclosed in the text, specific structural or functional descriptions are only exemplified for the purpose of describing the embodiments of the present invention, and the embodiments of the present invention are applied and changed in various forms. and should not be construed as being limited to the embodiments described in the text.

In addition, the description of the functions and configurations of block chain technology and other commonly used technologies will be omitted, and general terms understood by those skilled in the art will be followed unless the meaning of the terms is specifically defined.

Hereinafter, preferred embodiments of the present invention will be described in more detail with reference to the accompanying drawings. The same reference numerals are used for the same components in the drawings, and the same components or duplicate descriptions are omitted.

1 is a conceptual diagram illustrating an electronic payment agency system using a virtual currency to which a limit is granted with a cryptographic currency as collateral according to an embodiment of the present invention.

Referring to FIG. 1 , the electronic payment agency system 10 using a virtual currency to which a limit is given with a crypto currency as collateral according to the present invention is a user terminal 100 , an exchange server 200 , a payment proxy server 300 , a payment At least one or more of the request terminals 400 may be included and connected to the network 500 .

The terminal may be an information communication device such as a computer or smartphone, a dedicated information communication device for using a payment agency system, a device specialized for payment, and at least one or more programs running on a computer or smartphone may be included.

The server may be an information communication device such as a computer or smart phone, a dedicated computer or an information communication device such as a smart phone for providing a crypto currency transaction or payment agency system, may be a device specialized in payment, and a computer Alternatively, at least one or more programs running on a smartphone may be included, a dedicated machine for cryptocurrency mining may be included, and at least one or more programs running on a cloud server or a cloud server may be included.

The computer does not separate use and form, such as a portable computer, a home computer, an industrial computer, and the like, and any information communication device having an arithmetic processing function may be included in the computer.

The smart phone does not separate a form such as a tablet, a pad, a tab, a note, a PDA, and the like, and any computer including a communication function may be included in the smart phone.

The program may include universal software such as an operating system (OS) or a web browser, or may include dedicated software or applications.

The user terminal 100 is a terminal used by the user to transmit and receive information or signals. For example, for the present invention, the user provides cryptocurrency to an exchange or a payment agency as collateral or a payment proxy server 300 . The user terminal 100 may include at least one or more terminals capable of receiving information on virtual currency with a limit from the , or electronic commerce payment or electronic remittance.

In addition, for the purpose of the present invention, the user terminal 100 does not necessarily have to be one or the same terminal, and the present invention may be used with a plurality of terminals.

For example, even if a user uses a computer when requesting crypto currency collateral and uses a smartphone when requesting virtual currency payment, all of these may be included in the user terminal 100 .

In particular, when the user terminal 100 includes a program running on a computer or a smart phone, the program may be distributed by an exchange or a payment agency, may be preloaded in a computer or a smart phone, or by a user Alternatively, it may be installed directly on the smartphone.

The exchange server 200 is a server operated by the exchange for cryptocurrency trading, and for example, trades cryptocurrency, sets a price for cryptocurrency, sets or releases collateral for cryptocurrency, or uses collateralized cryptocurrency. A server that processes at least any one or more of the functions to dispose may be included.

In addition, the server for cryptocurrency transaction and the server for collateral setting or release are separated and can be operated individually by each exchange, and at least one server that can be integrated and operated by one exchange is installed in the exchange server 200 may be included.

In particular, the exchange server 200 includes at least one server operated by a single or a plurality of exchanges, and the exchange does not necessarily involve only one or the same exchange server 200 for the present invention, and a plurality of exchanges The server 200 may be operated.

The payment agency server 300 is a server operated by a payment agency for payment agency. For example, if cryptographic currency is provided as collateral, a virtual currency limit is granted based on this, or a virtual currency payment request received from a user or a merchant A server that processes at least one of a function of remitting virtual currency or legal currency or requesting remittance to a financial company may be included.

In this case, the remittance may be made within the virtual account of the payment agency or through an external financial server included in the network 500 category.

In addition, a server that grants a virtual currency limit, transmits virtual currency information or legal currency information, processes virtual currency payment, or transfers virtual currency or legal currency may be separated and operated individually by each payment agency, At least one server that may be integrated and operated by one payment agency may be included in the payment agency server 300 .

In particular, the payment agency server 300 includes at least one server operated by a single or a plurality of payment agencies, and the payment agency does not necessarily have to participate in only one or the same payment agency server 300 for the present invention. , may be operated by a plurality of payment proxy servers 300 .

The exchange server 200 and the payment proxy server 300 may have the same or different operating entities, and each server may be operated separately or integrated by one operating entity, and in some cases, the exchange server 200 ) may be the payment proxy server 300 , and the payment proxy server 300 may also be the exchange server 200 .

The payment request terminal 400 is at least one terminal that can access the payment agency server 300 and use the payment agency service. When an e-commerce payment or electronic remittance is performed using the payment request terminal 400, at least one terminal or server capable of receiving a signal regarding the payment result (authentication, approval, rejection, etc.) from the payment proxy server 300 can be included in

The present invention cannot be used only when the user terminal 100 and the payment request terminal 400 are always separated by hardware or software. If a payment application is used while accessing an online merchant to purchase a product, the payment application may become the user terminal 100 , and the web browser or product purchase application may become the payment request terminal 400 .

If the terminal or server operated by the offline affiliate store becomes the payment request terminal 400 , the terminal through which the user pays in virtual currency may become the user terminal 100 .

In particular, according to the present invention, in addition to the user and the affiliated store, the user and the other user can implement an electronic commerce transaction or send and receive electronic remittance to each other through a direct transaction between the parties using virtual currency through a payment agency. It may be the requesting terminal 400 . In addition, when the payment request terminal 400 includes a program running on a computer or a smartphone, the program may be distributed by an affiliate store or a payment agency, may be basically installed in a computer or a smartphone, or a user or affiliated store Alternatively, it may be installed directly on a computer or smartphone by a payment agency.

The network 500 is a communication line or line provided so that terminals and servers can transmit/receive information to each other, and may include, for example, a system internal communication path, the Internet, an intranet, a dedicated line, a wired/wireless communication network, etc. , at least one intermediate information communication device that delivers information or performs certain information processing on behalf of each other may be included, and in some cases, nodes forming a block chain may also be included in the network.

In addition, a router or gateway or IDC center that connects the terminal and the Internet network, a firewall or name server required for server operation, a financial institution server for legal currency remittance, and the network constituting the same are all included in the network 500 category. can

The electronic payment agency system 10 using a virtual currency to which a limit is given with a crypto currency as collateral according to the present invention is a user terminal 100, an exchange server 200, a payment proxy server 300, and a payment request terminal 400. Even software that is individually run in one terminal can be classified as a device according to each function. For example, when the user terminal 100 accesses a website operated by the exchange, the exchange website access program driven on the user terminal 100 may be the exchange server 200 , and the payment proxy server 300 . ) or the same principle may be applied to the payment request terminal 400 .

I. According to an embodiment, the user may access the exchange server 200 or the payment proxy server 300 through the network 500 through the user terminal 100 for the purpose of the present invention.

At this time, the user terminal 100 and the exchange server 200 or the payment proxy server 300 or the payment request terminal 400 , the exchange server 200 and the payment proxy server 300 , the payment proxy server 300 and the payment request Communication between the terminals 400 may transmit/receive signals or information based on the communication information.

The communication information may include at least one of user information, exchange information, payment agency information, affiliate store information, and identification information.

The user information is information that can specify a user, and may be, for example, user terminal 100 information, user unique identification information, user electronic wallet information, user credit rating information, and the like.

The user terminal 100 information is unique information of the terminal used by the user, for example, unique hardware or software information of the terminal, network address (IP, MAC, etc.) information, unique serial information, and SIM (Subscriber Identification Module) information. It may be card information, etc.

The user unique identification information is unique information for identifying the user, for example, the user's member information (ID or password, name, nickname-name, e-mail, date of birth, resident registration number, passport number, driver's license number, etc.) , communication identification information such as a phone number, a unique serial number, an account number, and the like.

The user electronic wallet information is information about the user's electronic wallet, and may be, for example, a user electronic wallet address or a public key or a private key.

The user credit rating information is information about the user's creditworthiness that can be used by the payment agency server to grant virtual currency limits or to limit or release services, and is evaluated by an exchange or payment agency or evaluated by an external credit rating agency It can be information such as credit ratings or external (exchange or other users) payment guarantees.

The exchange information is information capable of specifying an exchange, and may be, for example, exchange server 200 information, exchange unique identification information, exchange electronic wallet information, and the like.

The exchange server 200 information is unique information of a server operated by the exchange, for example, unique hardware or software information of the server, network address (IP, URL, MAC, etc.) information, unique serial information, and SIM (Subscriber Identification) information. Module) card information, etc.

The exchange unique identification information is unique information for identifying the exchange, for example, member information of the exchange (ID or password, service name, nickname-name, e-mail, business name, business number, corporate registration number, etc.) , communication identification information such as a phone number, a unique serial number, an account number, and the like.

The exchange electronic wallet information is information about the electronic wallet of the exchange, and may be, for example, an exchange electronic wallet address or a public key or a private key.

The payment agency information is information capable of specifying a payment agency, and may be, for example, payment agency server 300 information, payment agency unique identification information, payment agency electronic wallet information, and the like.

The payment agency server 300 information is unique information of the server operated by the payment agency, for example, unique hardware or software information of the server, network address (IP, URL, MAC, etc.) information, unique serial information, SIM ( Subscriber Identification Module) card information.

The payment agency unique identification information is unique information for identifying the payment agency, for example, member information (ID or password, service name, nickname-name, e-mail, business name, business number, corporate registration of the payment agency) number, etc.), communication identification information such as a phone number, a unique serial number, an account number, and the like.

The payment agency electronic wallet information is information about the payment agency electronic wallet, and may be, for example, a payment agency electronic wallet address, a public key, or a private key.

The affiliated store information is information that can specify an affiliated store or other user, for example, in the case of an affiliated store, payment request terminal 400 information, affiliated store unique identification information, affiliated store electronic wallet information, etc. In this case, the user information may be substituted.

The payment request terminal 400 information is unique information of the terminal of the affiliated store, for example, unique hardware or software information of the terminal, network address (IP, URL, MAC, etc.) information, unique serial information, and SIM (Subscriber Identification Module) information. ) card information, etc.

The affiliated store unique identification information is unique information for identifying the affiliated store, for example, affiliate information of the affiliated store (ID or password, service name, nickname-name, e-mail, business name, business number, corporate registration number, etc.) , communication identification information such as a phone number, a unique serial number, an account number, and the like.

The affiliated store electronic wallet information is information about the affiliated store's electronic wallet, and may be, for example, an affiliate store electronic wallet address, a public key, or a private key.

In blockchain, an electronic wallet is a dedicated program used to acquire or transfer ownership of cryptocurrency or to find ownership of cryptocurrency or transaction records recorded in a block, but the electronic wallet in the present invention is a blockchain electronic wallet. , a program that can check the electronic wallet address, crypto currency information or virtual currency information recorded in the block, the database in the user terminal 100 or the exchange server 200 or the payment proxy server 300, the user terminal 100 or A program that displays cryptocurrency or virtual currency information processed in the exchange server 200 or the payment proxy server 300 on the user terminal 100, a cryptocurrency transaction or collateral application, and a virtual currency payment application can all be included in the electronic wallet. have.

In addition, the electronic wallet may be opened singly or plurally in at least one terminal or server. For example, it can be opened individually or integrated for each type of cryptocurrency or purpose of owning cryptocurrency, and those for cryptocurrency management and virtual currency management can be divided or integrated.

The electronic wallet is created by at least any one or more of a user, an exchange, a payment agency, and a merchant, among the user terminal 100 or the exchange server 200 or the payment proxy server 300 or the payment request terminal 400 or the network 500. It may be opened in at least one or more, and may be divided into a user electronic wallet, an exchange electronic wallet, a payment agency electronic wallet, an affiliated store electronic wallet, etc. according to ownership.

For example, the user electronic wallet may be opened in the user terminal 100 or the exchange server 200 or the payment proxy server 300 or the payment request terminal 400 or the network 500, and the exchange and the payment agency and affiliated stores An electronic wallet may be opened in the same way.

That is, even if the user electronic wallet exists in the exchange server 200 or the payment proxy server 300 or the payment request terminal 400 or the network 500 instead of the user terminal 100, it may become a user electronic wallet, and payment Even if the agency electronic wallet exists in the exchange server 200, it may be a payment agency electronic wallet.

In addition, the electronic wallet address may be a public key that is a unique address on the block chain, and at least any of the user terminal 100 or the exchange server 200 or the payment proxy server 300 or the payment request terminal 400 . It may be a unique address assigned by one or more of them, or it may be account information.

In some cases, account numbers of users, exchanges, payment agencies, affiliated stores, etc. may be used without distinction in connection with the electronic wallet address, or may be identical to each other.

The identification information is unique information for identifying each signal, information, transaction, record, etc., and is generated immediately when any information is generated or received, used to match any two information with each other, or stored in a database It may be used for storage or for the purpose of calling some information from the database, it may be used as a tool or means for transmitting some information to a terminal or server, the user terminal 100 or the exchange server 200 or a payment agent At least one of the server 300 or the payment request terminal 400 may be uniquely generated.

In addition, the identification information may be generated as digital information in various forms. For example, QR codes, barcodes, random numbers or character strings, other digital codes or images may be generated in various forms that can be recognized by input/output devices, and may be generated in multiple numbers or individually, and unique character strings It may refer to the same identification information in association with .

The identification information may be individually generated differently for each transaction or each signal transmitted, or may be generated and used in combination.

Virtual temporary information associated with various pieces of information that may be included in the communication information may be separately generated and used for communication. For example, actual communication information is held by the server or terminal, and virtual temporary information such as tokens can be created and replaced with communication information.

Ⅱ. According to an embodiment, the payment proxy server 300 may receive a crypto currency collateral provision signal from the user terminal 100 or the exchange server 200, and the user terminal 100 or the exchange server 200 A call collateral release signal may be transmitted.

The crypto currency security providing signal includes at least one of communication information and security information, crypto currency information, crypto currency token information, crypto currency quote information, crypto currency credit rating information, crypto currency collateral setting information, and crypto currency collateral providing target information may be included.

The security information is unique information used to prove the intention of the user, for example, the user's password, signature, bio-authentication key, (public, public, private, etc.) electronic certificate, the private key of the electronic wallet (Private Key) ), a mobile phone authentication number, OTP number, security card number, etc., or may be a unique authentication value using one or more of these or an authentication value through an external specialized organization, and the security information is the user terminal 100 Alternatively, it may be security information previously registered in any one or more of the exchange server 200 , the payment proxy server 300 , or the payment request terminal 400 .

The crypto-currency information is information about crypto-currency, and may be crypto-currency of the collateral provider electronic wallet, ownership of crypto-currency, quantity of crypto-currency, and the like.

The cryptocurrency token information is unique information that can specify or replace cryptocurrency or transaction record, and may be information that includes a unique string such as hash data or digital signature value, or transaction record information. and may be token information issued by at least one of the user terminal 100 or the exchange server 200 or the payment proxy server 300 or a third external block chain mechanism.

For example, in order to be granted a virtual currency limit, a user's own cryptocurrency may be provided as collateral, but in some cases, smart contract information based on cryptocurrency or issued tokens or tokenized cryptocurrency may also be used as collateral. can be provided.

The cryptocurrency price information is transaction price information at the time when the cryptocurrency is provided as collateral or is real-time or periodic transaction price information, for example, a virtual currency limit may be given based on the cryptocurrency price information, and collateral Even if the market price is set when provided, if the market price changes after providing the collateral, the cryptocurrency price information is included in the signal to provide the cryptocurrency collateral, so the changed market price is the payment proxy server even if the user does not request the provision of the cryptocurrency collateral again (300) can be reflected.

At this time, the cryptocurrency price information may be determined by the exchange server 200 or the payment proxy server 300 or an external block chain.

The crypto currency credit rating information is basic information that can be assigned a collateral ratio according to the type of cryptocurrency or market value or a virtual currency limit can be assigned according to the cryptocurrency credit rating. It may be information evaluated by

The crypto currency collateral setting information is unique authority information for the crypto currency to be provided as collateral, and the unique information that can release or dispose of the crypto currency as collateral, the unique authority, the digital signature value, the private key of the crypto currency electronic wallet to provide collateral ( Private Key), and the like, and the encryption currency collateral setting information may be uniquely generated by at least one of the user terminal 100 or the exchange server 200 or the payment proxy server 300 .

For example, when cryptocurrency is provided as collateral, cryptocurrency information may be transmitted from the user's e-wallet to the exchange or payment agency e-wallet set as collateral. The right to release or dispose of collateral for the secured cryptocurrency or the user's electronic wallet in which the cryptocurrency is stored may be transferred.

The crypto-currency collateral provision target information is information on the subject to which the collateral provider intends to provide crypto-currency as collateral. It may be information about a virtual currency for receiving a limit.

The crypto-currency collateral release signal may include at least one of communication information and crypto-currency information, crypto-currency token information, crypto-currency collateral release information, and crypto-currency collateral release target information.

The crypto currency collateral release information is unique authority information for the crypto currency that you want to release collateral, unique information that can release or dispose of the crypto currency, unique authority, digital signature value, the private key of the crypto currency electronic wallet to release collateral ( Private Key), and the like, and the crypto currency collateral release information may be uniquely generated by at least any one or more of the user terminal 100 or the exchange server 200 or the payment proxy server 300 .

In particular, when cryptocurrencies are provided as collateral, only crypto currency collateral setting information is transmitted while being kept in the user's e-wallet, so that the collateral release or disposition authority is transferred In this case, the crypto currency collateral setting information and the crypto currency collateral release information may be the same.

The crypto-currency collateral release target information is information on a target to release crypto-currency collateral, and may be, for example, user information or exchange information or payment agency information requesting release of crypto-currency collateral.

Ⅲ. According to the embodiment, various methods may be used in which the cryptocurrency of the user's electronic wallet is provided as collateral to the exchange or payment agency.

For the first example, a method of transmitting (recording) cryptocurrency from a user's electronic wallet to an exchange or payment agency electronic wallet (hereinafter, a transfer method between electronic wallets) may be used. At least the crypto currency information to be provided as collateral is included, so that the crypto currency can be provided as collateral in a way that the crypto currency is transmitted to an exchange or payment agency electronic wallet.

In addition, the exchange or payment agency electronic wallet may be a separate crypto-currency collateral-only electronic wallet.

As a second example, a method of transferring the right to release or dispose of collateral for the cryptocurrency of the user's electronic wallet to an exchange or payment agency without transferring the cryptocurrency (hereinafter, the transfer method of the electronic wallet authority) may be used. For example, the crypto currency collateral provision signal includes at least information on setting up collateral for crypto currency other than the crypto currency to be provided as collateral. may be substituted for the provision of collateral.

In addition, if the electronic wallet authority transfer method is used, the user's electronic wallet may be locked or the cryptocurrency may be frozen to prevent it from being sold or transferred to another electronic wallet while the cryptocurrency is provided as collateral.

As a third example, tokens for cryptocurrencies may be issued and provided as collateral. Cryptocurrency can be substituted for collateral.

The token may be issued by at least one of a user, an exchange, a payment agency, external governance, an external individual or organization, and an external investor.

As a fourth example, for cryptocurrencies that are provided as collateral, collateral may be provided by a smart contract method between the user and the exchange or payment agency, and between the exchange and the payment agency.

There are various methods derived from CeFi or DeFi for the method of providing the cryptocurrency as collateral. In addition, various methods derived from real finance can be applied and applied, and several methods will be devised in the future. Therefore, it should not be construed as being limited to the method presented as an example in the present invention.

Ⅳ. According to an embodiment, the payment proxy server 300 may grant virtual currency within a certain limit based on the received crypto currency collateral providing signal.

For example, if the crypto currency collateral provision signal received by the payment agency server 300 includes crypto currency price information (eg, 1 million won), the payment agency will set a virtual currency limit of 1 million won in proportion to the crypto currency market price information. (For the sake of understanding, the same currency unit as the legal currency is used, but it can be changed.) Alternatively, if only cryptocurrency token information is included, cryptocurrency price information may be separately obtained from an exchange, or a payment agency may set a price on its own and grant a virtual currency limit based on the market price.

When the payment agency server 300 grants a virtual currency, it is not possible to set a limit based on only the price information of the cryptocurrency, and the virtual currency information ( quantity or amount), you can further increase or decrease the virtual currency limit by referring to it.

In particular, even after the virtual currency limit is granted, the payment proxy server 300 may acquire the price information of the secured cryptocurrency from the exchange server 200 in real time or at regular intervals to re-grant the virtual currency limit.

In the embodiment of the present invention, an example is given in which the virtual currency limit is granted in proportion to the secured cryptocurrency market price. / Based on exchanges or external payment guarantees that can be added, subtracted or changed, and that can be reimbursed on behalf of users included in user credit information or user credit information among user information who owns cryptocurrency, even if it is not necessarily crypto currency collateral The limit of virtual currency may be imposed at the discretion of the Rodo payment agency.

In addition, according to the business agreement between the exchange and the payment agency, a virtual currency that can be assigned a limit in conjunction with the market price of the cryptocurrency handled by the exchange can be set in advance, and the user can request the provision of cryptocurrency collateral only as needed by referring to this. Therefore, you may be given a virtual currency limit.

A virtual currency may be a digital currency issued or managed by an exchange or payment agency, in which transactions may be recorded or issued based on a blockchain.

V. According to an embodiment, the payment proxy server 300 may transmit a virtual currency information providing signal to the user terminal 100 or the exchange server 200 .

The virtual currency information providing signal includes at least one of communication information and collateralized cryptocurrency market price information, virtual currency information, virtual currency token information, virtual currency limit information, virtual currency usage information, virtual currency residual information, legal currency balance information, and accumulated points. One or more of these may be included.

The collateralized cryptocurrency market price information is cryptocurrency market price information provided as collateral, and may be market price information set by an exchange or a payment agency.

The virtual currency information is information about virtual currency, and may be virtual currency of the user's electronic wallet, ownership of virtual currency, quantity or amount of virtual currency, and the like.

The virtual currency token information is unique information that can specify or replace a virtual currency or transaction record, and may be information that includes a unique string such as a hash data or a digital signature value, or may be transaction record information. and may be token information issued by at least one of the user terminal 100 or the exchange server 200 or the payment proxy server 300 or a third external block chain mechanism.

For example, virtual currency-based smart contract information or issued tokens or tokenized virtual currency may be included in the virtual currency token information.

The virtual currency limit information is virtual currency limit information given to the user based on the crypto currency collateral providing signal, for example, the virtual currency total amount information to which a limit is given based on the market price of the secured crypto currency or the user's credit rating, etc. can be

The virtual currency usage information may be virtual currency amount information used by the user while using an electronic commerce payment or electronic remittance in a virtual currency.

The virtual currency remaining information may be virtual currency balance information obtained by subtracting virtual currency usage information from virtual currency limit information provided to the user.

The legal currency balance information is information on the amount of legal currency held by the user, for example, received in legal currency from the payment agency as much as the virtual currency used by another user as a virtual currency for e-commerce payment or electronic remittance against the user. It may be one amount information, and it may be legal currency information of a user account opened at a payment agency or legal currency information linked to an external bank account.

The points earned by the user are points given by a payment agency, and may be used as cash when making electronic commerce payments in virtual currency, and may be used as fees for electronic remittance.

VI. According to an embodiment, the payment proxy server 300 may receive a virtual currency payment request signal from the user terminal 100 or the payment request terminal 400, and the user terminal 100 or the payment request terminal 400 It is possible to transmit a virtual currency payment result signal to

The virtual currency payment request signal may include at least one of communication information, security information, and payment information.

The payment information may be payment amount information for electronic commerce payment or electronic remittance.

In this case, it is preferable that the payment amount can be used for payment within the virtual currency to which the limit is granted or the remaining range.

The virtual currency payment result signal may include at least one of communication information, payment information, and payment result information.

The payment result information is information about payment results or payment guarantees such as any one of authentication, approval, and rejection processed by the payment proxy server 300, for example, a hash value (Hash Data) or a digital signature It may be information that includes a unique string such as a value, transaction record information or a message or specific code for a transaction result, or token information generated or issued according to a payment result.

The payment processing of the payment proxy server 300 is to deduct the virtual currency by the amount of payment information within the virtual currency limit granted to the user or to determine this, for example, payment information within the virtual currency remaining to which the limit is granted. If it is possible to deduct the amount, it can be deducted and a judgment of authentication or approval can be made.

When the virtual currency payment processing is normally performed, the payment agency may remit virtual currency to an affiliated store or other user according to a predetermined agreement, remit legal currency, or request legal currency remittance from a financial company.

If the virtual currency is exchanged for legal currency, it is possible to transfer money by using an exchange or directly at a payment agency.

When a user or a merchant wants to cancel a virtual currency payment, the virtual currency payment request signal is replaced with a virtual currency payment cancellation request signal, so that the payment information can be the payment information to be canceled, and the procedure for obtaining consent from the cancellation target is may be added.

VII. According to an embodiment, the payment proxy server 300 may receive a legal currency deposit signal or a legal currency withdrawal signal from the user terminal 100 .

The legal currency deposit signal may include at least one of communication information, security information, legal currency deposit information, and deposit account information.

The legal currency deposit information may be legal currency deposit amount information that the user intends to deposit to a payment agency.

The deposit account information may be payment agency account information for the user to deposit legal currency to the payment agency, or account information of user information that the payment agency can withdraw from the user's account.

The legal currency withdrawal signal may include at least one of communication information, security information, legal currency withdrawal information, and withdrawal account information.

The legal currency withdrawal information may be legal currency withdrawal amount information that the user intends to withdraw from the payment agency.

The withdrawal account information may be account information registered or designated by the user for withdrawing legal currency from the payment agency.

For example, a user who is given a limit of 1 million won in virtual currency can purchase products from a merchant or transfer money to another user within the limit. Deduct 100,000 won from the virtual currency limit granted to the user, 1 million won, and the virtual currency or legal currency equal to the value of 100,000 won can be requested to be paid or remitted from the merchant or other user instead, and the user can request the legal currency corresponding to the virtual currency used. You can deposit 100,000 won to the payment agency within the contract period.

At this time, since the cryptocurrency is collateralized, it is desirable not to be used at all for payment.

Ⅷ. According to the embodiment, the payment agency server 300 can form a liquidity pool through token issuance for a virtual currency to which a limit is given with a cryptocurrency as collateral, and externally through a smart contract that promises to pay a predetermined interest. When investors participate in the liquidity pool, they can secure insufficient funds for fiat prepayment.

For example, if the monthly payment amount of users in virtual currency is 10 billion won, and the maximum amount of legal currency that the payment agency can prepay in advance to the affiliated store is 8 billion won, then temporarily 2 billion won before receiving 10 billion won in legal currency from the user. A lack of liquidity at scale may arise. Therefore, a liquidity pool is formed by issuing tokens that promise to pay a certain amount of interest for a certain period of time on the basis of the payment agency’s cryptocurrency, collateralized cryptocurrency, or newly issued cryptocurrency or virtual currency, which is equivalent to the amount of liquidity shortage of KRW 2 billion. Then, as external investors participate in the liquidity pool, payment agencies can receive funds to solve the liquidity shortage. The funds may be in legal currency, and may be legal currency obtained by investors in cryptocurrency and using this as collateral for another loan through an external loan exchange.

At this time, the interest paid by the token issuance can be arbitrarily or mutually agreed by the payment agency or external investors, and the lowest interest can be offered or the liquidity of the senior liquidity provider can be used first. It may be done based on

When the smart contract is normally terminated so as not to affect the total amount and value of virtual currency or cryptocurrency, the tokens issued for the liquidity pool can be burned or redeemed.

A procedure of receiving a crypto currency collateral provision signal from the user terminal 100 or the exchange server 200 in the payment proxy server 300, and transmitting a crypto currency collateral release signal to the user terminal 100 or the exchange server 200 These can be exemplified with reference to FIGS. 2 to 3 below.

FIG. 2 is a conceptual diagram illustrating a step of requesting a crypto currency collateral to the user terminal 100 used in the electronic payment agency system 10 using a virtual currency to which a limit is given to the crypto currency as collateral according to an embodiment of the present invention. .

Referring to FIG. 2 , the user terminal 100 displays the user's own cryptocurrency price information received from the exchange, and the user sends the cryptocurrency to the exchange or payment agency through the collateral provision request unit 101 . You can request the provision of collateral, and the user may request the release of collateral from the exchange or payment agency for the cryptocurrency to be released from collateral through the collateral release request unit 102 .

3 is a conceptual diagram illustrating a crypto currency collateral request step in an electronic payment proxy method using a virtual currency to which a limit is granted using a crypto currency as collateral according to an embodiment of the present invention.

Referring to FIG. 3 , when the user terminal 100 requests the exchange server 200 or the payment proxy server 300 to provide crypto currency collateral, the payment proxy server 300 sends a crypto currency collateral providing signal to the user terminal 100 . Alternatively, it can be received from the exchange server 200, and a request to release the crypto currency collateral to the exchange server 200 or the payment proxy server 300 to the user terminal 100, or the crypto currency collateral release request to the payment proxy server 300 If done arbitrarily, the payment proxy server 300 may transmit a crypto currency collateral release signal to the user terminal 100 or the exchange server 200 .

In a normal case, the payment proxy server 300 transmits a crypto currency collateral release signal to the subject that has transmitted the crypto currency collateral provision signal among the user terminal 100 or the exchange server 200, but in some cases, crypto currency collateral The encryption currency collateral release signal may be transmitted to a subject other than the subject that transmitted the provision signal, or it may be transmitted to the subject that transmitted the encryption currency collateral provision signal through another subject that has received the encryption currency collateral release signal.

For example, a cryptographic currency security providing signal may be transmitted from the user terminal 100 to the payment proxy server 300 by a user request, and a cryptographic currency security release signal may be transmitted from the payment proxy server 300 by a user request. It may be transmitted to the user terminal 100, but in some cases, the user's crypto currency must be forcibly liquidated at the request of the payment agency, or the virtual currency limit grant is withdrawn or the crypto currency collateral release signal is issued by the system implementation. It may be transmitted from the payment proxy server 300 to the exchange server 200 , and the crypto currency collateral release signal may also be transmitted to the user terminal 100 through the exchange server 200 .

For another example, the crypto currency collateral providing signal may be transmitted from the exchange server 200 to the payment agency server 300 by a user request, and the crypto currency collateral release signal may be transmitted to the payment agency server 300 by the user request. may be transmitted to the exchange server 200 from, but in some cases, a crypto currency collateral release signal may be transmitted from the payment proxy server 300 to the user terminal 100 by a user's request or system implementation, The crypto currency collateral release signal may also be transmitted to the exchange server 200 through the user terminal 100 .

When the virtual currency limit is granted based on the encryption currency security provision signal received by the payment proxy server 300, the virtual currency information provision signal is transmitted from the payment agency server 300 to the user terminal 100 or the exchange server 200 can be

The virtual currency information providing signal may be repeatedly transmitted while the user's crypto currency is provided as collateral or whenever virtual currency payment is made.

When the encryption currency security providing signal is transmitted from the user terminal 100 to the payment proxy server 300, the payment agency server 300 is the user terminal 100 based on the user information of the communication information included in the encryption currency security providing signal. ) can directly transmit a virtual currency information providing signal.

When the user terminal 100 requests the exchange server 200 to provide crypto currency collateral and a signal to provide crypto currency collateral is transmitted from the exchange server 200 to the payment proxy server 300, the payment proxy server 300 provides crypto currency collateral A virtual currency information providing signal can be directly transmitted to the user terminal 100 based on the user information of the communication information included in the provided signal, and by transmitting the virtual currency information providing signal to the exchange server 200, the exchange server 200 It may be transmitted to the user terminal 100 via

At this time, the virtual currency information providing signal is transmitted from the payment proxy server 300 to the user terminal 100 via the exchange server 200 is the virtual currency information received by the exchange server 200 from the payment proxy server 300 . It may be transmitted by transmitting the provided signal to the user terminal 100 based on the communication information.

If the payment proxy server 300 does not know the user information that needs to transmit the virtual currency information providing signal or the virtual currency information providing signal should not be transmitted to the exchange server 200, communication information to be transmitted to the exchange server 200 It can be transmitted to the user terminal 100 using the identification information included in the.

For example, the identification information associated with the virtual currency information providing signal is generated by the payment agency server 300, the identification information is transmitted to the user terminal 100 through the exchange server 200, and the identification information is included When the user information is transmitted from the user terminal 100 to the payment proxy server 300 , only the payment proxy server 300 transmits a virtual currency information providing signal linked to the identification information to the user terminal 100 . can also be transmitted. In this case, the identification information may be identification information already included in the communication information or may be identification information newly included in the communication information.

The payment proxy server 300 receives a virtual currency payment request signal from the user terminal 100 or the payment request terminal 400 , and transmits a virtual currency payment result signal to the user terminal 100 or the payment request terminal 400 . Procedures can be exemplified with reference to FIGS. 4 to 5 below.

4 is a conceptual diagram illustrating a virtual currency payment request step with the user terminal 100 used in the electronic payment agency system 10 using a virtual currency to which a limit is granted with a cryptographic currency as collateral according to an embodiment of the present invention.

Referring to FIG. 4 , the virtual currency information limit granted by the payment agency is displayed on the user terminal 100 , and the user asks the payment agency through the virtual currency payment request unit 103 to purchase an e-commerce product in virtual currency. You can request payment in virtual currency, request virtual currency remittance to a payment agency through virtual currency remittance request unit 104 for electronic remittance, and legal currency deposit request unit 105 to pay in legal currency for the virtual currency used. ) through the legal currency deposit request to the payment agency, and in order to withdraw the received legal currency, the legal currency withdrawal request unit 106 may be used to request the legal currency withdrawal from the payment agency.

For example, in the virtual currency information of FIG. 4, if the legal currency balance is displayed as -300,000 won, if the user uses the virtual currency as a payment amount of 500,000 won, the legal currency balance that the user must post payment to the payment agency is -500,000 won However, if you receive an electronic remittance of 200,000 won in virtual currency from another user, the amount that the payment agency prepaid (paid) in legal currency on behalf of the other user is 200,000 won added to become -300,000 won, and the user If only this amount is deferred payment, the payment may be considered complete, and this is only an example to help the understanding of the present invention, and the virtual currency information may be applied in various forms.

5 is a conceptual diagram illustrating a virtual currency payment request step in an electronic payment proxy method using a virtual currency to which a limit is granted using a crypto currency as collateral according to an embodiment of the present invention.

Referring to FIG. 5 , a virtual currency payment request signal may be transmitted from the user terminal 100 to the payment proxy server 300 , and the virtual currency payment request signal is transmitted from the payment request terminal 400 to the payment proxy server 300 . may be transmitted, and a virtual currency payment result signal may be transmitted from the payment proxy server 300 to the user terminal 100 , and a virtual currency payment result signal is transmitted from the payment agency server 300 to the payment request terminal 400 . and a legal currency deposit signal or a legal currency withdrawal signal may be transmitted from the user terminal 100 to the payment proxy server 300 .

If the exchange server 200 performs e-commerce payment or electronic remittance work, the exchange server 200 may be the payment proxy server 300 .

According to an embodiment, the user may make an e-commerce payment or electronic remittance to an affiliated store or other user using the virtual currency that is given a limit from the payment agency, and the payment agency may process the payment in various ways.

For a first example, the payment proxy server 300 receives a virtual currency payment request signal including at least communication information and security information or payment information from the user terminal 100 or the payment request terminal 400, processing the payment Afterwards, a virtual currency payment result signal may be transmitted to the user terminal 100 or the payment request terminal 400 . In this case, the communication information may include at least one of affiliate store information and user information.

For a second example, when the payment proxy server 300 receives a virtual currency payment request signal including at least communication information and payment information from the payment request terminal 400, based on the communication information to the user terminal 100 When payment information is transmitted and notified, and a virtual currency payment request signal including at least communication information and security information is received from the user terminal 100, after payment processing, the user terminal 100 or the payment request terminal 400 It is possible to transmit a virtual currency payment result signal to In this case, the communication information may include at least one of user information and identification information.

For a third example, when the payment proxy server 300 receives a virtual currency payment request signal including at least communication information and payment information from the payment request terminal 400, it gives identification information associated with payment information, When the identification information is transmitted to the user terminal 100 through the payment request terminal 400, and communication information including at least the identification information is transmitted from the user terminal 100 to the payment proxy server 300, Upon receiving a virtual currency payment request signal including at least communication information and security information from the user terminal 100 and transmitting payment information associated with identification information to the user terminal 100 based on the communication information, payment After processing, a virtual currency payment result signal may be transmitted to the user terminal 100 or the payment request terminal 400 . In this case, the communication information may include at least one of user information, payment agency information, and identification information.

For a fourth example, when the payment proxy server 300 receives a virtual currency payment request signal including at least communication information and security information from the user terminal 100, it provides identification information associated therewith, and the identification information is transmitted to the payment request terminal 400 through the user terminal 100, and a virtual currency payment request signal including at least the communication information including the identification information and the payment information is transmitted from the payment request terminal 400 to the payment When transmitted to the proxy server 300 , after payment processing, a virtual currency payment result signal may be transmitted to the user terminal 100 or the payment request terminal 400 . In this case, the communication information may include at least one of user information, affiliate store information, payment agency information, and identification information.

For a fifth example, the payment proxy server 300 receives a virtual currency payment request signal including at least communication information and security information from the user terminal 100, and the payment proxy server 300 receives a payment request terminal ( When receiving a virtual currency payment request signal including at least communication information and payment information from 400), the virtual currency payment request signal in which specific information included in each communication information matches each other is matched with each other, and after payment processing, the user terminal (100) or the payment request terminal 400 may transmit a virtual currency payment result signal. In this case, the specific information included in the communication information may include at least one of user information, affiliate store information, payment agency information, or identification information.

In the payment processing method of the payment agency, it is not limited to the above embodiment, and various methods may be applied as a combination of each information included in the virtual currency payment request signal and the virtual currency payment result signal.

In particular, transmission in the present invention includes both direct and indirect transmission, and transmission is a communication of a higher concept including transmission, for example, inputting information displayed by an output device of a terminal or server to an input device of a terminal or server. A process inputted by , may be included in transmission, and referring to FIGS. 3 and 5 , an arrow indicated by a solid line between components may be a process of transmitting a signal or information, and an arrow indicated by a dotted line between components may be a signal or information of a signal or information. It may be a transmission process, and transmission of a signal or information through any configuration may also be included in the transmission.

According to an embodiment, when receiving the legal currency deposit signal from the user terminal 100, the payment proxy server 300 may withdraw legal currency from the account information of the user information, and upon receiving the legal currency withdrawal signal, user information You can transfer legal currency to your account information.

The account information may be account information of the user's unique identification information included in the user information of the communication information, may be a bank account or a virtual account granted by a payment agency, or may be an electronic wallet.

In particular, when the deadline for deferred payment arrives, the payment agency can automatically withdraw from the user's account information, and when the payment agency receives a request to release collateral for cryptocurrencies from the user, check whether the virtual currency usage amount is fully paid in legal currency It can send a signal to cancel the cryptocurrency collateral later, and if the user does not pay despite the arrival of the legal currency payment period, forced liquidation may be made for the collateralized cryptocurrency, and if the price of the collateralized cryptocurrency plummets Cryptocurrency can be forcibly liquidated or the limit of virtual currency can be reduced or withdrawn.

As described above, although the present invention has been described with reference to the limited examples and drawings, the present invention is not limited to the above examples, which are various modifications and Transformation is possible. Accordingly, the spirit of the present invention should be understood only by the claims described below, and all equivalent or equivalent modifications thereof will fall within the scope of the spirit of the present invention.

In particular, in the present invention, the information included in the signal transmitted/received between the components means that other information not described may be included as necessary in addition to at least one or more, and only the information described in the present invention is limited. It should not be construed as being limited to being included in the signal.

In addition, the terminal or server according to the present invention can be implemented as a computer-readable code on a computer-readable recording medium as a device. The computer-readable recording medium includes all types of recording devices in which data readable by a computer system is stored.

10 Electronic payment agency system
100 user terminals
101 Collateral Request Part 102 Collateral Release Request Part
103 Virtual currency payment request section 104 Virtual currency remittance request section
105 Fiat currency deposit request part 106 Fiat currency withdrawal request part
200 Exchange Servers
300 payment proxy server
400 payment request terminal
500 networks

Claims (5)

In the electronic payment agency method using a virtual currency with a limit given as collateral with a crypto currency,
receiving, by the payment proxy server, a signal to provide security for cryptographic currency from a user terminal or an exchange server;
granting a virtual currency limit based on the encryption currency security providing signal received by the payment proxy server;
transmitting, by the payment proxy server, a virtual currency information providing signal to the user terminal or the exchange server;
receiving, by the payment proxy server, a virtual currency payment request signal from the user terminal or the payment request terminal;
a payment processing step of deducting a virtual currency within the virtual currency limit granted to the user by the amount of payment information included in the virtual currency payment request signal received by the payment proxy server; and
The electronic payment proxy method using a virtual currency to which a limit is granted using a cryptographic currency as collateral, characterized in that the payment proxy server transmits a virtual currency payment result signal to the user terminal or the payment request terminal. The electronic payment agency system using a virtual currency with a limit granted with cryptocurrencies as collateral includes a payment agency server,
The payment proxy server receives a cryptographic currency security providing signal from a user terminal or an exchange server;
The payment proxy server grants a virtual currency limit based on the received crypto currency security providing signal;
The payment proxy server transmits a virtual currency information providing signal to the user terminal or the exchange server;
The payment proxy server receives a virtual currency payment request signal from the user terminal or the payment request terminal;
The payment proxy server determines whether virtual currency can be deducted within the virtual currency limit given to the user by the amount of payment information included in the received virtual currency payment request signal and processing the payment; and
The payment agency server is an electronic payment agency system using a virtual currency with a limit given as collateral to the encryption currency, characterized in that for transmitting a virtual currency payment result signal to the user terminal or the payment request terminal. In the electronic payment agency system using a virtual currency with a limit granted with a cryptocurrency as collateral,
Transmitting a crypto currency collateral providing signal to the payment agency server, or receiving a virtual currency information providing signal from the payment agency server,
When the payment agency server grants a virtual currency limit based on the encryption currency security providing signal and receives a virtual currency payment request signal from a user terminal or a payment request terminal, the payment included in the virtual currency payment request signal payment processing to determine whether to deduct virtual currency within the virtual currency limit granted to the user by the amount of information; and an exchange server capable of transmitting a virtual currency payment result signal to the user terminal or the payment request terminal. In the electronic payment agency system using a virtual currency with a limit granted with a cryptocurrency as collateral,
Receives a virtual currency information provision signal from a payment agency server that has given a virtual currency limit based on the crypto currency collateral provision signal,
By sending a virtual currency payment request signal to the payment agency server, the payment agency server determines whether virtual currency can be deducted within the virtual currency limit granted to the user by the amount of payment information included in the virtual currency payment request signal Electronic payment agency system using virtual currency to which a limit is given with cryptographic currency as collateral, characterized in that it comprises a user terminal that enables payment processing to be determined or receives a virtual currency payment result signal from the payment agency server. In the electronic payment agency system using a virtual currency with a limit granted with a cryptocurrency as collateral,
By sending a virtual currency payment request signal to the payment agency server that has given the virtual currency limit based on the encryption currency collateral provision signal,
Enables the payment processing server to determine whether virtual currency can be deducted within the virtual currency limit granted to the user by the amount of payment information included in the virtual currency payment request signal, or the payment proxy server An electronic payment agency system using a virtual currency with a limit given as collateral to cryptographic currency, characterized in that it includes a payment request terminal for receiving a virtual currency payment result signal from.

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