KR20230126883A - Payment service system based on blockchain technology and method for providing a blockchain-based payment service using the same - Google Patents

Abstract

A blockchain-based payment intermediary service system according to one technical aspect of the present invention includes at least one buyer terminal, at least one seller terminal that performs payment in conjunction with the at least one buyer terminal, and the at least one buyer terminal and It provides a payment brokerage service in conjunction with the at least one seller terminal, and allocates a blockchain-based digital pay corresponding to the payment amount of the first payment method paid from the at least one buyer terminal to the at least one buyer terminal. and exchange, and when the purchaser terminal performs payment based on the blockchain-based digital pay, processing the payment of the blockchain-based digital pay to the at least one seller terminal, and payment to the at least one seller terminal and a service server that converts the blockchain-based digital pay into a second payment method. The service server performs currency exchange by applying a discount rate set to be constant regardless of whether or not a change in the intrinsic value of the digital pay for the second payment method occurs.

Description

Payment service system based on blockchain technology and method for providing a blockchain-based payment service using the same}

The present invention relates to a blockchain-based payment brokerage service system and a blockchain-based payment service providing method using the same.

With the development of fintech technology, the popularization of credit cards, the expansion of internet/mobile banking, and the expansion of e-commerce and digital economy are spreading all over the world. Accordingly, the scale of online and offline payments is global beyond regional and national borders. is increasingly expanding.

On the other hand, contrary to these figures, still a large portion of the world's population does not own a bank account due to structural or geographic problems. For example, over 90% of Pakistanis do not have bank accounts.

Accordingly, the demand for new payment solutions is growing, and recently, the issue of payment solutions using digital assets is growing.

These digital assets are being presented as an alternative that can solve the problems of the existing payment structure at the present time when the digital economy between countries beyond regions is gradually expanding. However, conventional digital asset-based payment solutions are characterized by high price volatility of digital assets, lack of an incentive system in which all ordinary people can easily participate, complicated and difficult user experience of digital assets, high difficulty learning curve, and traditional offline payment market Due to problems such as physical limitations for the introduction of blockchain payments in

In addition, in the case of the conventional fintech technology that did not use digital assets, there are many system elements contributing to the payment service. For example, in the case of card payment, a VAN (Value Added Network), PG (payment gateway), etc. participate in the payment in addition to consumer merchants and credit card companies. Due to this complex multi-stage structure, a settlement process between multiple parties is essential from settlement to settlement, and as a result, there is a limit in that a settlement period of several days or more is required as well as excessive generation of fees. As a result, in the case of the seller, there are problems such as not only having to pay a considerable percentage of commission, but also cost burden due to the period until settlement is completed.

One technical aspect of the present invention is to solve the above-mentioned problems of the prior art, based on blockchain-based smart contract and its own digital pay, incentives are given to all users to induce participation, and existing pin It is to provide a blockchain-based payment intermediary service system and a method of providing a blockchain-based payment service using the same, which can provide a convenient environment for users by combining with technology and also provide utility in the traditional offline market.

In addition, one technical aspect of the present invention is a blockchain-based payment that can reduce the fee and provide fast settlement by improving the inefficiency of the existing payment system using a blockchain-based smart contract and its own digital pay. It is to provide an intermediary service system and a method of providing a blockchain-based payment service using the same.

In addition, one technical aspect of the present invention is to provide a blockchain-based payment intermediary service system that can be flexibly replaced by its own digital pay volatility and a blockchain-based payment service providing method using the same.

In addition, one technical aspect of the present invention is a block chain-based payment intermediary service system that can provide scalability and convenience to freely apply promotions and policies for each platform to platform users according to the industry and its It is to provide a method of providing payment service based on blockchain.

The above objects and various advantages of the present invention will become more apparent from preferred embodiments of the present invention by those skilled in the art.

One technical aspect of the present invention proposes a blockchain-based payment intermediary service system. The blockchain-based payment intermediary service system includes at least one buyer terminal, at least one seller terminal that performs payment in conjunction with the at least one buyer terminal, and the at least one buyer terminal and the at least one seller terminal It interlocks to provide a payment intermediary service, allocates and exchanges a blockchain-based digital pay corresponding to the payment amount of the first payment method paid from the at least one purchaser terminal to the at least one purchaser terminal, and converts the payment, and the purchaser terminal When the payment is made based on the blockchain-based digital pay, the payment of the blockchain-based digital pay is processed to the at least one merchant terminal, and the blockchain-based digital pay paid to the at least one merchant terminal. and a service server that exchanges Pay into a second payment method. The service server performs currency exchange by applying a discount rate set to be constant regardless of whether or not a change in the intrinsic value of the digital pay for the second payment method occurs.

Another technical aspect of the present invention proposes a blockchain-based payment service providing method. The blockchain-based payment service providing method includes a service server that provides a blockchain-based payment mediation service by interworking with at least one buyer terminal and at least one seller terminal that performs payment in conjunction with the at least one buyer terminal. A blockchain-based payment service providing method performed in, wherein the blockchain-based digital pay corresponding to the payment amount of the first payment means paid from the at least one purchaser terminal is allocated to the at least one purchaser terminal and exchanged. Step, in conjunction with the at least one buyer terminal and the at least one seller terminal, when the buyer terminal performs a payment based on the blockchain-based digital pay, the at least one seller terminal sends the blockchain-based digital pay Processing the payment of the pay, providing a payment intermediary service, and converting the blockchain-based digital pay paid to the at least one merchant terminal into a second payment method.

Another technical aspect of the present invention proposes a storage medium. The storage medium is a storage medium storing computer-readable instructions, which, when executed by a computing device, cause the computing device to make a first payment paid from the at least one purchaser terminal. Allocating and exchanging the blockchain-based digital pay corresponding to the payment amount of the means to the at least one purchaser terminal, interworking with the at least one purchaser terminal and the at least one seller terminal, so that the purchaser terminal blocks the block When payment is made based on the chain-based digital pay, the operation of processing the payment of the blockchain-based digital pay to the at least one merchant terminal and providing a payment intermediary service, the block paid to the at least one merchant terminal When performing the operation of exchanging the chain-based digital pay to the second payment method and the exchange of the at least one buyer terminal and the at least one seller terminal, the above information about the first payment method and the second payment method is performed. Regardless of whether a change in the intrinsic value of digital pay occurs, an operation of applying a discount rate set to be constant is performed.

The means for solving the problems described above do not enumerate all the features of the present invention. Various means for solving the problems of the present invention will be understood in more detail with reference to specific embodiments of the detailed description below.

According to one embodiment of the present invention, along with supplementing the volatility of digital assets, incentives are given to all users to induce participation, and a convenient use environment is provided to users by combining with existing fintech, as well as traditional offline markets. There is an effect that can also provide usability in .

In addition, according to one embodiment of the present invention, there is an effect of lowering fees and providing fast settlement by improving inefficiency of existing payment systems by using blockchain-based smart contracts and their own digital pay.

In addition, according to one embodiment of the present invention, there is an effect that can be flexibly replaced with the volatility of its own digital pay.

In addition, according to one embodiment of the present invention, there is an effect of providing platform users with scalability and convenience that can freely apply promotions and policies for each platform according to the industry.

1 is a diagram illustrating an application example of a blockchain-based payment intermediary service system according to an embodiment of the present invention.
2 is a diagram illustrating an exemplary computing operating environment of a service server according to an embodiment of the present invention.
3 is a block diagram illustrating an example of a service server according to an embodiment of the present invention.
4 is a flowchart illustrating a method of providing a blockchain-based payment service according to an embodiment of the present invention.
5 to 10 are reference views illustrating various functions of the blockchain-based payment mediation service according to the present invention.
11 is a block diagram illustrating an embodiment of a payment mediation management unit shown in FIG. 3 .
FIG. 12 is a block diagram illustrating an embodiment of a distribution management unit shown in FIG. 3 .

Hereinafter, preferred embodiments of the present invention will be described with reference to the accompanying drawings.

However, the embodiments of the present invention can be modified in many different forms, and the scope of the present invention is not limited to the embodiments described below. In addition, the embodiments of the present invention are provided to more completely explain the present invention to those skilled in the art.

That is, the above objects, features, and advantages will be described later in detail with reference to the accompanying drawings, and accordingly, those skilled in the art to which the present invention belongs will be able to easily implement the technical spirit of the present invention. In describing the present invention, if it is determined that the detailed description of the known technology related to the present invention may unnecessarily obscure the subject matter of the present invention, the detailed description will be omitted. Hereinafter, preferred embodiments according to the present invention will be described in detail with reference to the accompanying drawings. In the drawings, the same reference numerals are used to indicate the same or similar components.

Also, singular expressions used in this specification include plural expressions unless the context clearly indicates otherwise. In this application, terms such as "consisting of" or "comprising" should not be construed as necessarily including all of the various components or steps described in the specification, and some of the components or some of the steps It should be construed that it may not be included, or may further include additional components or steps.

In addition, in order to describe the system according to the present invention, various components and sub-components thereof are described below. These components and their subcomponents may be implemented in various forms, such as hardware, software, or a combination thereof. For example, each element may be implemented as an electronic configuration for performing a corresponding function, or may be implemented as software itself that can be run in an electronic system or as one functional element of such software. Alternatively, it may be implemented as an electronic configuration and corresponding driving software.

The various techniques described herein may be implemented with hardware or software, or a combination of both where appropriate. As used herein, the terms "Unit", "Server" and "System" likewise refer to a computer-related entity, that is, hardware, a combination of hardware and software, software or It can be treated as equivalent to running software. In addition, each function executed in the system of the present invention may be configured in module units and recorded in one physical memory or distributed between two or more memories and recording media.

Although various flow charts have been disclosed to describe the embodiments of the present invention, these are for convenience of description of each step, and each step is not necessarily performed in the order of the flowchart. That is, each step in the flowchart may be performed simultaneously with each other, in an order according to the flowchart, or in an order reverse to that in the flowchart.

1 is a diagram illustrating an application example of a blockchain-based payment intermediary service system according to an embodiment of the present invention.

Referring to FIG. 1 , the blockchain-based payment intermediary service system includes at least one buyer terminal 100 and at least one seller terminal 200 that performs payment in conjunction with at least one buyer terminal. In addition, it includes a service server 300 that provides a payment intermediary service by interworking with at least one buyer terminal and at least one seller terminal.

The service server 300 may issue and manage blockchain-based digital pay, and use it to mediate payment between the buyer terminal 100 and the seller terminal 200. At least one of the buyer terminal 100 or the seller terminal 200 is a payment method other than the blockchain-based digital pay issued by the service server 300 (eg, cash such as won or non-blockchain such as Kakao Pay) based digital pay, etc.) can be used, and the service server 300 can perform payment mediation based on exchange between these other payment methods and blockchain-based digital pay.

For example, the service server 300 may allocate and exchange a blockchain-based digital pay corresponding to the payment amount of the first payment means paid from at least one purchaser terminal to at least one purchaser terminal.

For example, the service server 300 may process payment of the blockchain-based digital pay to at least one seller terminal when the purchaser terminal performs payment based on the blockchain-based digital pay.

For example, the service server 300 may exchange a blockchain-based digital pay paid to at least one merchant terminal into a second payment method.

When performing the exchange, the service server 300 may perform the exchange by applying a set discount rate regardless of whether a change in the intrinsic value of the digital pay for the first or second payment means occurs. For example, even if the value of the blockchain-based digital pay against the Korean won continues to change, the corresponding digital pay may be provided with a discount rate of a predetermined percentage (eg 5%) at the time of exchange. Accordingly, at any point in time, regardless of the price volatility of the block chain-based digital pay itself compared to the won, it can be converted to a quantity corresponding to the price in the won at that time and used.

The service server 300 may manage information on transaction mediation based on a smart contract. For example, the service server 300 can individually set a smart contract for each seller, and use the smart contract to comprehensively support transaction details management and promotion setting for each seller.

For example, the service server 300 is a first payment means for payment with at least one buyer terminal and a second payment means for payment between the at least one seller terminal, and provides payment means in various online and offline environments. can support For example, the service server 300 may support at least one of simple mobile payment, credit card payment, and cash payment.

As an example, the service server 300 is a blockchain-based digital pay, and not only KONPAY, which is a digital pay provided by itself, but also pre-established digital assets including Bitcoin and Ethereum, as well as a transaction with relatively stable volatility. It can be set according to the user's choice among table coins. To this end, the service server 300 may build a blockchain network for linking with a pre-established digital asset system and stable coin system including Bitcoin and Ethereum.

For example, the service server 300 may provide a favorable payment environment to users and sellers by receiving a minimum payment fee. For example, the service server 300 receives and processes 0.02% of the blockchain-based digital pay paid by the buyer as a payment fee and pays the remaining 99.98% to the seller, which is 20 to 40 times higher than the conventional payment fee. Payment services can be provided with lower fees. In addition, the service server 300 allows the seller to perform immediate payment and settlement based on digital pay, unlike the conventional case where several days or weeks are required for payment and settlement to the seller, the present invention provides immediate payment. By providing, it is possible to provide a large liquidity of funds to the seller.

The service server 300 may provide a payment service based on interworking with an existing PG company. For example, there is a PG company that provides integrated online and offline payment services such as KSNET, and the service server 300 may provide a payment service based on interworking with the PG company.

For example, the service server 300 may provide payment relay using blockchain-based digital currency provided by the service server 300 based on the payment made with the PG company. For example, payment on the side of a seller terminal is provided as a payment service based on a PG company, and the service server 300 may set payment with a PG company as a second payment method and provide payment relay.

As another example, the service server 300 may perform payment in conjunction with a PG company within a payment process. For example, in the internal payment process of PG company's payment relay, the service server 300 interlocks and performs a function of performing payment relay using digital pay, thereby providing payment relay.

Meanwhile, in FIG. 1 , it is shown that only the service server 300 is connected to the blockchain network 400, but this is exemplary. Therefore, the buyer terminal 100 or the seller terminal 200 can directly access the blockchain network, or the buyer terminal 100 or the seller terminal 200 can indirectly access the blockchain network through the service server 300. Various modifications are possible, such as approaching.

In addition, although other payment platforms are not shown in FIG. 1 , the service server 300 may perform currency exchange in conjunction with other payment platforms.

Hereinafter, various embodiments of a service server and a blockchain-based payment service providing method performed in the service server will be described with reference to FIGS. 2 to 12 . In the following, the blockchain-based digital pay is referred to as KONAPAY and described, but this is an exemplary expression and is not particularly limited by this expression.

2 is a diagram illustrating an exemplary computing operating environment of a service server according to an embodiment of the present invention.

FIG. 2 is intended to provide a general and simplified description of a suitable computing environment in which embodiments of the management server 300 may be implemented. Referring to FIG. 2, a computing device is shown as an example of the management server 300. do.

The computing device may include at least a processing unit 303 and a system memory 301 .

A computing device may include a plurality of processing units that cooperate in executing a program. Depending on the exact configuration and type of computing device, system memory 301 may be volatile (eg, RAM), non-volatile (eg, ROM, flash memory, etc.), or a combination thereof. The system memory 301 contains a suitable operating system 302 for controlling the operation of the platform, such as the WINDOWS operating system from Microsoft Corporation. System memory 301 may include one or more software applications, such as program modules, applications, and the like.

The computing device may include additional data storage devices 304 such as magnetic disks, optical disks, or tape. Such additional storage may be removable storage and/or fixed storage. Computer readable storage media may include volatile and nonvolatile, removable and non-removable media implemented in any method or technology for storage information such as computer readable instructions, data structures, program modules, or other data. Both system memory 301 and storage 304 are examples of computer-readable storage media. Computer readable storage media may include RAM, ROM, EEPROM, flash memory or other memory technology, CD-ROM, DVD or other optical storage, magnetic tape, magnetic disk storage or other magnetic storage device, or any other It may include, but is not limited to, any other medium that stores information and can be accessed by computing device 300 .

A computing device may include an input device 305 , such as a keyboard, mouse, pen, voice input device, touch input device, and comparable input devices. Output devices 306 may include, for example, displays, speakers, printers, and other types of output devices. Since these devices are widely known in the art, a detailed description thereof will be omitted.

A computing device may include a communication device 307 that allows the device to communicate with other devices via, for example, networks in a distributed computing environment, e.g., wired and wireless networks, satellite links, cellular links, local area networks, and comparable mechanisms. there is. Communications device 307 is one example of communication media, which may include computer readable instructions, data structures, program modules, or other data therein. By way of example, communication media includes, but is not limited to, wired media such as a wired network or direct wired connection, and wireless media such as acoustic, RF, infrared and other wireless media.

The management server 300 may be described as a functional configuration implemented in such a computing environment. This will be described with reference to FIG. 3 .

3 is a block diagram illustrating an example of a service server according to an embodiment of the present invention, and FIG. 4 is a flowchart illustrating a method of providing a blockchain-based payment service according to an embodiment of the present invention.

Referring to FIGS. 3 to 10 , the service server will be described in more detail.

Referring to FIG. 3 , the service server 300 may include a blockchain management unit 310, a platform linkage unit 320, a smart contract management unit 330, a payment brokerage management unit 340, and a distribution management unit 350. .

The blockchain management unit 310 may create, verify, and disseminate a record of use of a blockchain-based digital pay by using a blockchain in conjunction with a blockchain network. The blockchain management unit 310 may record, verify, and propagate the payment mediation or currency exchange by the payment mediation management unit 340 by reflecting it in the blockchain environment.

For example, the blockchain management unit 310 may manage a blockchain network including a main chain and at least one side chain. The blockchain management unit 310 can improve the stability and security of transactions by generating, verifying, and disseminating digital pay transactions using the main chain. The blockchain management unit 310 may assign individual side chains to specific sellers. 10 shows an example of allocating individual side chains to specific merchants, that is, affiliate stores, and providing a separate blockchain-based digital pay (token) commonly used in these side chains.

For example, the blockchain management unit 310 may perform blockchain processing based on variable transactions. For example, as in the example shown in FIG. 10 , the blockchain management unit 310 may adjust the scalability of nodes by using a method such as using a plurality of side chains in addition to the main blockchain network. In addition, nodes of the main blockchain network can be variably expanded. In this way, using the scalability of the node, the blockchain management unit 310 can change the transaction variably, for example, it can be set by changing the setting, such as 1000 transactions per second. Through this, by setting the block time variably, for example, 1 second to 2 minutes, it is possible to process quickly, unlike existing block chain technology.

The platform interlocking unit 320 may provide a platform service for managing payment and transaction to a platform provider. That is, permission to use a platform that provides at least some functions of the present system can be set to the platform provider, and the platform provider can provide and operate the platform based on this. The platform interlocking unit 320 may calculate a certain transaction fee for the usage history of the platform provided to the platform provider.

5 shows an example of a wallet provided to a platform provider based on a blockchain.

A platform provider may receive a platform service function through the platform interlocking unit 320 and provide a platform service supporting payment and transaction based thereon. Platform providers can be paid in exchange for a certain transaction fee according to the user ratio. In order to become a platform provider, KYC and AML procedures in the region must be performed, and an independent CA server construction is required. In addition, beyond the digital asset wallet service that simply provides payment functions, you can develop your business by becoming an affiliate.

For example, in the case of an online shopping mall or franchise branch, in addition to using the payment function as an affiliate in the KONPAY network, as a platform provider, various payment and remittance functions using KONPAY within the shopping mall are directly provided to its customers or employees, etc. Diversify your business model

8 illustrates an example of a crypto economy. In the illustrated example, based on the block chain network provided by the block chain management unit 310 and the platform provider function provided by the platform interlocking unit 320, it can be seen that merchants and consumers are included.

For example, in order to become a platform provider, KYC and AML procedures in the region must be performed, and an independent CA server construction is required. In addition, beyond the digital asset wallet service that simply provides payment functions, you can develop your business by becoming an affiliate. For example, in the case of an online shopping mall or franchise branch, in addition to using the payment function as an affiliate in the KONPAY network, as a platform provider, various payment and remittance functions using KONPAY within the shopping mall are directly provided to its customers or employees, etc. Diversify your business model

Sellers, that is, merchants, can directly communicate with users through the payment system in the KONPAY ecosystem, provide goods and services, and receive payments from users with KON COIN and various assets. Affiliated stores can conduct promotions with their own tokens, such as loyalty points and coupons, in exchange for user contributions. The KONPAY Network provides merchants with a transaction fee of less than 1% and various marketing and promotion solutions, and KON COIN can be provided as a reward for using the platform according to the transaction rate.

When a user pays with KONPAY Token, the merchant immediately settles the payment in Korean Won, and immediately exchanges it into Korean Won from KONPAY's payment deposit pool to proceed with payment to the merchant. Through this, it is possible to immediately refund the sale price.

Affiliate stores can make online/offline payments and act as block verifiers through node peer software installed in terminals, and compensation for this can be additionally set.

Consumers can use KON COIN and various assets as payment methods to purchase products and services in the KONPAY ecosystem. When a user holds a certain percentage of KON COIN, they are given a contribution level according to the amount, and according to the level, they are rewarded for block verification by participating as node peer partners through remittance fee discounts, P2P transactions, KON COIN loans, and staking. can be distributed.

By sharing user transaction information with trusted network participants, users can receive KON COIN or various affiliate points as a reward for sharing transaction information. economic cycles can be achieved.

The smart contract management unit 330 may create, provide, and manage smart contracts in association with payment relay.

For example, the smart contract management unit 330 may individually create a smart contract for at least one seller, and support transaction details management and promotion setting for each seller based on the smart contract.

The smart contract management unit 330 has an effect of providing platform users with scalability and convenience to freely apply promotions and policies for each platform according to the industry.

Figure 6 shows a smart contract using node peers. Referring to FIG. 6, a blockchain network may be composed of a series of peer nodes - or simply a unit in which nodes are connected as a group. Peers are actual block verifiers that host very important blockchain ledgers and smart contract contracts in the network, and can play a role in verifying, creating, and disseminating blocks. These peers can operate in association with smart contracts.

For example, each node peer performs block verification, and based on this, compensation for the node peer may be paid. For example, the blockchain management unit 310 may request each terminal (seller or buyer) to verify a peer's block through the node peer system of the blockchain network. To this end, software for block verification may be distributed and installed in each terminal, and through this, an affiliate may perform the role of a block verifier while providing a payment service using the terminal. When each of these terminals serves as a block verifier, the blockchain management unit 310 may store block verification history information therefor and set compensation for the corresponding terminal based on the stored block verification history information.

In addition, a node peer partner method in which a general platform user lends a terminal to a small business by staking a certain amount of KON Coin can also be applied. Compensation can be set so that the user and the affiliate share a certain share. Accordingly, small business franchisees have the advantage of using the payment service without an initial investment, and users can earn additional income through staking.

The payment brokerage management unit 340 may provide a payment brokerage function. The payment brokerage management unit 340 may provide a payment relay function between different payment means.

For example, the payment brokerage management unit 340 provides a payment brokerage service in conjunction with at least one buyer terminal and at least one seller terminal, but for this purpose, for at least one buyer terminal corresponding to the payment amount of the first payment means Blockchain-based digital pay may be allocated and exchanged, and the blockchain-based digital pay may be exchanged as a second payment method for the at least one merchant terminal.

In one embodiment, the first payment method and the second payment method may be different currency methods. For example, the first payment method may be non-blockchain-based digital pay, and the second payment method may be won, which is a domestic currency.

In another embodiment, the first payment means and the second payment means may be won, which is a domestic currency, as the same currency.

9 illustrates an example of a payment intermediary function between a buyer (user) and a seller (affiliate store). In the illustrated example, an example in which a buyer performs a payment using cash (Cash) and a seller also uses cash (Cash) is shown. As shown in the example, the payment brokerage management unit 340 brokers the payment brokerage based on blockchain-based digital pay (KONPAY), and as this brokerage is performed immediately, the merchant's point of view is a separate payment for settlement. There is an effect that does not require a waiting time of . In addition, since transaction recording and verification are performed based on blockchain technology, it has a stable and accurate effect.

In one embodiment, the payment brokerage management unit 340 may provide a marketplace function. 7 illustrates an example of a marketplace provided by the payment brokerage management unit 340 . The payment brokerage management unit 340 can provide individual users with a KON COIN transaction and a transaction function between multiple digital assets using the marketplace. Through this, all users can instantly trade points and digital assets with minimal fees. Fees collected through marketplace transactions can be used to compensate users for using the platform and to maintain and repair services. In addition, in order to use the marketplace, you can either pay the fee directly with KONPAY or select KONPAY automatic conversion payment to use the service. In addition, if there are coupons or loyalty points issued by KONPAY's platform providers, peers, affiliates, etc., users can use the platform more efficiently by expanding the use of points within the platform or enabling P2P transactions between users in the marketplace. You can also use points.

In one embodiment, the payment intermediary management unit 340 may provide a discount rate independent of the change in intrinsic value. For example, when performing exchange for at least one buyer terminal and the at least one seller terminal, regardless of whether or not a change in the intrinsic value of the digital pay for the first payment method and the second payment method occurs, a constant A set discount rate can be applied. Regardless of the volatility of KON COIN's own price against the won at any point in time, it can provide greater value by converting to a quantity corresponding to the won price at that point in time. For example, when platform user A wants to convert to KON COIN to purchase “Product Y” with a price of 1,000, (a) the conversion rate to KRW is 1:1 and (b) the conversion rate to KRW is 1: There may be 2 cases.

In these two cases, the number of KON coins that user A can purchase for 1,000 won is as follows.

In the case of (a), KRW 1,000 = 1KON

In case of (b), KRW 1,000 = 2KON

In this case, the price of "product Y" in won does not change and is 1,000 won. However, if KON COIN as a means to purchase "Product Y" is viewed as a process, the following situation can be considered as an intermediary participating company.

(c) KRW 1,000 = 1KONPAY = "Product Y"

(d) KRW 1,000 = 2KONPAY = "Product Y"

In other words, KON COIN has its own value within the ecosystem regardless of the price generated in the trading market.

Through this, not only does it serve as a transaction validator that replaces the role of intermediate participating companies, but it also provides users and sellers with a high incentive to use it in that they can always receive a 5% discount rate when purchasing goods on the platform. In addition, since fees are paid with KON COIN to use the marketplace, it provides the effect of always generating demand.

In one embodiment, the payment brokerage management unit 340 may manage consumer purchase information. Customer information or consumer information is data that is mainly used by marketing companies and departments to increase overall customer satisfaction by analyzing the purchasing behavior and patterns of the customer base. However, this customer data collection is sometimes collected while violating customer privacy protection, so a management system that can accurately manage and regulate it is required. In general, customer data collection may be collected through invisible methods such as click-through rates or bounce rates, in addition to explicit online surveys or consent to use of personal information collection. In addition, in the case of providing personal information to a third party, it is vulnerable to abuse and leakage due to lack of information on exactly what purpose and which institution it is used for. Accordingly, the payment brokerage management unit 340 may provide a purchase information management function so that consumers using the platform can directly manage their own purchase information and consumer information. Through this, consumers can provide only the customer information they want to provide to the institution they want among partner companies and merchants registered with KONPAY, and KONPAY is provided to users as compensation according to the frequency, purpose, and importance of the information provided This will enable consumers to proactively manage their purchase information and consumer information while receiving compensation for it.

11 is a block diagram illustrating an embodiment of a payment mediation management unit shown in FIG. 3 . Referring to FIG. 11 , the payment brokerage management unit 340 may include a first exchange management module 341 , a second exchange management module 342 , and a currency exchange discount management module 343 .

The first exchange management module 341 may exchange the first payment method provided by the purchaser terminal into digital pay (KONPAY) in conjunction with the purchaser terminal. For example, the first exchange management module 341 may assign a blockchain-based digital pay corresponding to the payment amount of the first payment method paid from at least one purchaser terminal to the at least one purchaser terminal and exchange money. 2 The exchange management module 342 may exchange the blockchain-based digital pay paid to the seller terminal to the second payment method in conjunction with the seller terminal.

Various payment methods (currency) can be used as the first payment method used in the buyer's terminal or the second payment method used in the seller's terminal. For example, various payment methods may be used, such as a card payment method, a contactless card payment method based on near field coupon (NFC) such as Samsung Pay, and a non-blockchain based digital pay payment method such as Kakao Pay using a QR code.

The currency exchange discount management module 343 may process payment mediation and provide currency exchange discounts during payment mediation. For example, the exchange discount management module 343 interworks with at least one buyer terminal and the at least one seller terminal, and when the buyer terminal performs a payment based on the blockchain-based digital pay, the at least one seller terminal Payment mediation service can be provided by processing the payment of blockchain-based digital pay. In addition, when the currency exchange discount management module 343 performs currency exchange for at least one buyer terminal and at least one seller terminal, whether or not there is a change in the intrinsic value of digital pay for the first payment method and the second payment method. Regardless, a constant set discount rate can be applied. For example, a discount rate that is constantly set for a buyer may be a purchase discount rate that is set for the corresponding buyer, and a discount rate that is constantly set for the seller may be a discount rate for a fee set for the corresponding seller.

12 is a block diagram illustrating another embodiment of the payment mediation management unit shown in FIG. 3 . Referring to FIG. 11, the payment brokerage management unit 340 may include a first exchange management module 341, a second exchange management module 342, an exchange recommendation module 344, and a digital pay trend analysis module 345. there is.

Since the first exchange management module 341 and the second exchange management module 342 can be easily understood from the above description with reference to FIG. 11, the description thereof is omitted here.

The digital pay trend analysis module 345 may calculate the purchase trend and currency exchange trend of the blockchain-based digital pay in the service server 300 .

For example, the digital pay trend analysis module 345 may generate a purchase probability model for each purchaser based on the purchase record. Thereafter, the digital pay trend analysis module 345 may calculate a purchase probability trend of all digital payments based on the purchase probability model of all purchasers. In addition, the digital pay trend analysis module 345 may generate a payment settlement probability model for each seller based on the payment settlement record - information that records the seller's settlement - and based on the payment settlement probability model for all sellers As a result, the payment settlement trend of the entire digital pay can be calculated.

The exchange recommendation module 344 determines the value volatility of the digital pay based on the purchase probability trend and payment settlement trend of the entire digital pay analyzed by the digital pay trend analysis module 345, and the buyer based on the determined value volatility. Alternatively, the seller may be provided with information about when to recommend currency exchange.

The value volatility calculated by the currency exchange recommendation module 344 may be proportional to an increase in the purchase probability trend and proportional to a decrease in the payment settlement trend.

For example, when determining the purchase and settlement trends in December each year, assuming that the purchase probability trend shows a high purchase probability at the end of December (eg, 20 to 30 days), as the purchase of digital pay increases The value of digital pay will increase. Accordingly, in this case, the currency exchange recommendation module 344 may recommend settlement to the seller at the end of December.

As another example, for example, when determining the settlement trend in December each year, assuming that the settlement probability trend shows a high settlement probability at the beginning of each month (eg, 1st to 10th), sales of digital pay increase due to settlement As a result, the value of digital pay may decrease. Accordingly, in this case, the currency exchange recommendation module 344 may recommend purchase of digital pay in advance to the purchaser in early December.

The distribution management unit 350 may manage distribution by generating blockchain-based digital pay. FIG. 13 is a block diagram illustrating an embodiment of a distribution management unit shown in FIG. 3 and will be described with reference to FIG. 13 .

Distribution by the creation of blockchain-based digital pay is the marketplace liquidity supply pool (351), user compensation pool (352), partner deposit (353), payment deposit (354), KONPAY operation and marketing (355), and advisor budget (356).

The Marketplace Liquidity Supply Pool 351 may be, for example, 15%, and it is a reserve to provide transaction liquidity in the KONPAY Marketplace, and may temporarily increase or decrease depending on the transaction volume, but the value of the designated 15% is converted into KONPAY and KRW. It can be set to maintain a ratio of 50:50 respectively.

The user compensation pool 352 may be, for example, 30%, and corresponds to a designated deposit to pay a certain amount of KON as a reward for participating in the platform ecosystem to all users who use transaction and remittance services in KONPAY. The point at which the designated deposit is exhausted may vary depending on the transaction volume, but it is expected to be 3 to 10 years after the start of the service. management can be performed.

The partner deposit 353 may be, for example, 10%, and is used for collaboration with various strategic partners in the future to spread the payment network of the platform. Partner deposits can be used for airdrop-type promotions or business marketing to continue projects with future partners.

The payment deposit 354 may be, for example, 30%, and is a deposit for applying a 5% discount rate when paying with KONCOIN for network expansion, affiliate attraction, and fee discount through blockchain. As a result, in preparation for a large number of payments made with KON COIN, the payment deposit can be set so that merchants do not suffer losses due to price volatility of KON COIN at the time of settlement and settlement. Therefore, price volatility can be reduced by converting the price into Korean won that matches the value of KON COIN at the time the payment is approved, and the KONPAY can be sold to users who want to purchase it again. In addition, in the future, participants in charge of settlement at KONPAY can also have their own payment deposits by stipulating a clause in the contract to deposit payment deposits into KONPAY's payment deposit pool. After the deposit is settled in won, the won and KONPAY corresponding to the existing holdings are maintained at a ratio of 50:50, so that liquidity of the settlement deposit can be maintained continuously even after settlement.

KONPAY operation and marketing (355) may be, for example, 10%, and corresponds to initial talent recruitment and business operation expenses for KONPAY's actual operation and business promotion.

The advisor budget 356 may be, for example, 5%, and may be allocated for advisors who provide technical advice and advice for using the blockchain payment system in real life.

The method according to the embodiment may be implemented in the form of program instructions that can be executed through various computer means and recorded on a computer readable medium. The computer readable medium may include program instructions, data files, data structures, etc. alone or in combination. Program commands recorded on the medium may be specially designed and configured for the embodiment or may be known and usable to those skilled in computer software. Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks and magnetic tapes, optical media such as CD-ROMs and DVDs, and magnetic media such as floptical disks. - includes hardware devices specially configured to store and execute program instructions, such as magneto-optical media, and ROM, RAM, flash memory, and the like. Examples of program instructions include high-level language codes that can be executed by a computer using an interpreter, as well as machine language codes such as those produced by a compiler. The hardware devices described above may be configured to operate as one or more software modules to perform the operations of the embodiments, and vice versa.

As described above, although the embodiments have been described with limited examples and drawings, those skilled in the art can make various modifications and variations from the above description. For example, the described techniques may be performed in an order different from the method described, and/or components of the described system, structure, device, circuit, etc. may be combined or combined in a different form than the method described, or other components may be used. Or even if it is replaced or substituted by equivalents, appropriate results can be achieved.

Therefore, other implementations, other embodiments, and equivalents of the claims are within the scope of the following claims.

100: buyer terminal 200: seller terminal
300: service server 400: blockchain network
301: system memory 302: operating system
303: processing unit 304: storage
305: input device 306: output device
307: communication device
310: Blockchain management unit 320: Platform linkage unit
330: Smart contract management unit 340: Payment brokerage management unit
350: distribution management unit
341: first exchange management module 342: second exchange management module
343: exchange discount management module

Claims (12)

As a blockchain-based payment brokerage service system,
at least one purchaser terminal;
At least one seller terminal that performs payment in conjunction with the at least one buyer terminal; and
The at least one buyer terminal and the at least one seller terminal are interlocked to provide a payment brokerage service, and the blockchain-based digital pay corresponding to the payment amount of the first payment method paid from the at least one buyer terminal is provided. Allocate to at least one buyer terminal to exchange money, and when the at least one buyer terminal performs payment based on the blockchain-based digital pay, process the payment of the blockchain-based digital pay to the at least one seller terminal. and a service server for converting the blockchain-based digital pay paid to the at least one seller terminal into a second payment method;
including,
Blockchain-based payment brokerage service system.
The method of claim 1, wherein the service server,
As a second payment means for payment between the first payment means for payment with the at least one buyer terminal and the at least one seller terminal, at least one of mobile simple payment, credit card payment, cash payment is applicable,
As the blockchain-based digital pay, according to the user's selection from not only the digital pay provided by the service server itself, but also pre-established digital assets including Bitcoin and Ethereum and stable coins with relatively stable volatility. to be configurable,
Blockchain-based payment brokerage service system.
The method of claim 1, wherein the service server,
0.02% of the blockchain-based digital pay paid by the buyer is received as a payment fee, and the remaining 99.98% is paid to the seller, providing a payment service with a fee that is 20 to 40 times cheaper than the conventional payment fee. With, a blockchain-based payment intermediary service system that instantly provides liquidity of funds to sellers by performing immediate payment settlement.
The method of claim 1, wherein the service server,
A blockchain management unit that interworks with a blockchain network to create, verify, and disseminate records on the use of the blockchain-based digital pay using a blockchain; and
Providing a payment brokerage service in conjunction with the at least one buyer terminal and the at least one seller terminal, and allocating a blockchain-based digital pay corresponding to the payment amount of the first payment method to the at least one buyer terminal A payment intermediary management unit that converts and exchanges the blockchain-based digital pay to a second payment method for the at least one merchant terminal;
including,
Blockchain-based payment brokerage service system.
The method of claim 4, wherein the service server,
Create a smart contract individually for at least one seller, and manage transaction details including sales information, profit information, refund expected amount information, and credit processing amount information for each seller based on the smart contract, and each A smart contract management unit that supports promotion settings that can individually provide coupons, issue gift certificates, and set up installment services in sellers of;
Including more,
Blockchain-based payment brokerage service system.
The method of claim 4, wherein the payment brokerage management unit,
When performing the exchange for the at least one buyer terminal and the at least one seller terminal, regardless of whether or not a change in the intrinsic value of the digital pay for the first payment method and the second payment method occurs, a constant apply the set discount rate,
Blockchain-based payment brokerage service system.
Blockchain-based payment service providing method performed in a service server that provides a blockchain-based payment intermediary service by interworking with at least one buyer terminal and at least one seller terminal that performs payment in conjunction with the at least one buyer terminal As,
Allocating and converting a blockchain-based digital pay corresponding to a payment amount of a first payment method paid from the at least one purchaser terminal to the at least one purchaser terminal;
In conjunction with the at least one buyer terminal and the at least one seller terminal, when the buyer terminal performs a payment based on the blockchain-based digital pay, the at least one seller terminal receives the blockchain-based digital pay processing payment and providing payment intermediary service; and
converting the blockchain-based digital pay paid to the at least one merchant terminal into a second payment method;
including,
Blockchain-based payment service provision method.
The method of claim 7, wherein the blockchain-based payment service providing method,
Creating a smart contract individually for the at least one seller terminal, and supporting transaction details management and promotion setting for each seller based on the smart contract;
Including more,
Blockchain-based payment service provision method.
The method of claim 7, wherein the blockchain-based payment service providing method,
When performing the exchange for the at least one buyer terminal and the at least one seller terminal, regardless of whether or not a change in the intrinsic value of the digital pay for the first payment method and the second payment method occurs, a constant applying a set discount rate;
Including more,
Blockchain-based payment service provision method.
According to claim 7,
The first payment method and the second payment method are different currency means,
The first payment method is a non-blockchain-based digital pay,
The second payment method is won, which is the domestic currency,
Blockchain-based payment service provision method.
According to claim 8,
As the blockchain-based digital pay,
Not only digital pay provided by itself, but also pre-established digital assets including Bitcoin and Ethereum, as well as stable coins with relatively stable volatility, which can be set according to the user's choice.
Blockchain-based payment service provision method.
A storage medium storing computer readable instructions,
The instructions, when executed by a computing device, cause the computing device to:
Allocating and converting a blockchain-based digital pay corresponding to a payment amount of a first payment means paid from the at least one purchaser terminal to the at least one purchaser terminal;
In conjunction with the at least one buyer terminal and the at least one seller terminal, when the buyer terminal performs a payment based on the blockchain-based digital pay, the at least one seller terminal receives the blockchain-based digital pay processing payment and providing a payment intermediary service;
converting the blockchain-based digital pay paid to the at least one merchant terminal into a second payment method; and
When performing the exchange for the at least one buyer terminal and the at least one seller terminal, regardless of whether or not a change in the intrinsic value of the digital pay for the first payment method and the second payment method occurs, a constant Applying the set discount rate;
A storage medium that allows to perform.