KR20250128509A - Server and system for providing blockchain-based cryptocurrency automated simple payment service and method thereof - Google Patents

Abstract

A payment service server providing a blockchain-based cryptocurrency automated simple payment service includes a cryptocurrency price information providing unit that provides real-time cryptocurrency price information to seller and buyer terminals; a product price automatic conversion unit that automatically converts a product price in local currency to a cryptocurrency based on the cryptocurrency price information; a cryptocurrency determining unit that determines the type of cryptocurrency to be used for product payment; a payment information generation and provision unit that generates payment information for a product including the type of the determined cryptocurrency, the product price automatically converted to the cryptocurrency based on the cryptocurrency, and the seller's wallet address, and provides the payment information to the buyer terminal; and a payment processing unit that processes a product payment using cryptocurrency based on the payment information, wherein the cryptocurrency price information may include information regarding a conversion rate between cryptocurrency and local currency.

Description

Server, system, and method for providing blockchain-based cryptocurrency automated simple payment service {SERVER AND SYSTEM FOR PROVIDING BLOCKCHAIN-BASED CRYPTOCURRENCY AUTOMATED SIMPLE PAYMENT SERVICE AND METHOD THEREOF}

The present disclosure relates to a server, system, and method for providing a blockchain-based cryptocurrency automated easy payment service.

Cryptocurrencies were created using blockchain technology to serve as a substitute for physical currency. However, while cryptocurrencies are currently performing their functions as a store of value, one of the functions of currency, they are not functioning properly as a means of exchange or as a unit of account. This is due to technical difficulties arising from the difficulty of converting commodity prices into cryptocurrency prices, the ambiguity of reasonable pricing criteria for cryptocurrencies, and their relatively high volatility.

When making payments with cryptocurrency, the buyer must manually enter the converted amount into the payment screen, resulting in transaction delays. This inconvenience significantly impacts users, leading to abandonment of cryptocurrency payments. Furthermore, the real-time price volatility and regional price differences in cryptocurrencies make it difficult to convert product prices into cryptocurrency prices for transactions.

To solve these problems, either value-pegged cryptocurrencies, also known as stable coins, need to be activated, or each country's central bank-issued digital currency (Central Bank-Issued Digital Currencies, CBDC) needs to be issued, but this is not currently the case.

The purpose of this disclosure is to provide a blockchain-based cryptocurrency automated simple payment service providing server, system and method that enable cryptocurrency payments to be used as easily and quickly as real-world currency payments.

The technical problems to be solved in the present disclosure are not limited to the technical problems mentioned above, and other technical problems not mentioned will be clearly understood by a person having ordinary skill in the technical field to which the present disclosure belongs from the description below.

A payment service server providing a blockchain-based cryptocurrency automated simple payment service includes a cryptocurrency price information providing unit that provides real-time cryptocurrency price information to seller and buyer terminals; a product price automatic conversion unit that automatically converts a product price in local currency to a cryptocurrency based on the cryptocurrency price information; a cryptocurrency determining unit that determines the type of cryptocurrency to be used for product payment; a payment information generation and provision unit that generates payment information for a product including the type of the determined cryptocurrency, the product price automatically converted to the cryptocurrency based on the cryptocurrency, and the seller's wallet address, and provides the payment information to the buyer terminal; and a payment processing unit that processes a product payment using cryptocurrency based on the payment information, wherein the cryptocurrency price information may include information regarding a conversion rate between cryptocurrency and local currency.

According to one embodiment, the cryptocurrency price information is provided through an API (Application Programming Interface) provided by the exchange server of a given exchange, and the exchange may be determined based on the selection of the seller or buyer, cryptocurrency transaction volume, or transaction preference.

According to one embodiment, the cryptocurrency price information may be provided by averaging price information obtained from multiple exchange servers.

In one embodiment, the type of cryptocurrency is automatically selected as one of multiple cryptocurrencies selected by the seller, and the automatic selection may be performed based on the frequency or number of transactions for each cryptocurrency or the buyer's preference for cryptocurrencies.

According to one embodiment, the payment service server may further include a receipt generation and provision unit that generates a receipt including product payment completion information and provides the receipt to the seller and buyer terminals.

In one embodiment, the receipt may be a Non-Fungible Token (NFT) receipt.

According to one embodiment, the payment service server further includes a cryptocurrency storage unit that stores and manages cryptocurrency purchased through a blockchain network, and the amount of cryptocurrency stored and managed in the cryptocurrency storage unit can be adaptively determined based on the transaction history of the cryptocurrency automated simple payment service.

According to one embodiment, the payment service server further includes a payment verification processing unit that verifies whether there is an error in the product payment that has been made, and if there is an error, the product payment is canceled and the product payment process can be performed again.

In one embodiment, if the seller and buyer desire different types of cryptocurrencies but share the same blockchain network, payment for the goods may be processed through a decentralized exchange.

According to one embodiment, if the type of cryptocurrency desired by the seller and the buyer are different and the blockchain network is different, payment for the product is processed through a predetermined payment mediation server, and the payment mediation server can mediate payment for the product by converting the cryptocurrency held by the buyer into the cryptocurrency desired by the seller.

According to one embodiment, a blockchain-based cryptocurrency automated simple payment service providing server, system and method thereof can enable cryptocurrency payments to be used as easily and quickly as real currency payments.

In addition, the blockchain-based cryptocurrency automated simple payment service providing server, system and method enable the seller and buyer to automatically convert and share the cryptocurrency price by simply inputting the product price in fiat currency, without the seller and buyer having to calculate the cryptocurrency price in a complex manner.

In addition, the blockchain-based cryptocurrency automated simple payment service provision server, system, and method can facilitate payment even when the types of cryptocurrency or networks desired by the seller and buyer are different.

The effects that can be obtained from the present disclosure are not limited to the effects mentioned above, and other effects that are not mentioned can be clearly understood by a person having ordinary skill in the art to which the present disclosure belongs from the description below.

FIG. 1 is a schematic diagram illustrating a blockchain-based cryptocurrency automated simple payment service provision system according to one embodiment of the present disclosure.
FIG. 2 is a diagram showing the configuration of a payment service server according to one embodiment of the present disclosure.
FIG. 3 is a flowchart illustrating a method for providing a blockchain-based cryptocurrency automated simple payment service according to one embodiment of the present disclosure.
FIG. 4 is a diagram illustrating an exchange determination method for providing cryptocurrency price information according to one embodiment of the present disclosure.
FIG. 5 is a diagram showing the configuration of a payment service server according to another embodiment of the present disclosure.
Figure 6 is a flowchart illustrating the payment verification procedure.
FIG. 7 is a schematic diagram illustrating a blockchain-based cryptocurrency automated simple payment service provision system according to another embodiment of the present disclosure.
FIG. 8 is a flowchart illustrating a method for providing a blockchain-based cryptocurrency automated simple payment service according to another embodiment of the present disclosure.

Hereinafter, embodiments of the present disclosure will be described in detail with reference to the attached drawings. In describing the embodiments of the present disclosure, detailed descriptions of known structures or functions will be omitted if they are deemed to obscure the gist of the present disclosure. Furthermore, identical components in the drawings will be designated by the same reference numerals, and redundant descriptions of identical components will be omitted.

FIG. 1 is a schematic diagram illustrating a blockchain-based cryptocurrency automated simple payment service provision system according to one embodiment of the present disclosure.

Referring to FIG. 1, a blockchain-based cryptocurrency automated simple payment service providing system (10) according to one embodiment of the present disclosure may include a blockchain network (100), a payment service server (200), a seller terminal (300), a buyer terminal (400), and an exchange server (500). Hereinafter, for convenience of explanation, the blockchain-based cryptocurrency automated simple payment service providing system (10) will be abbreviated as a “cryptocurrency payment system.”

A cryptocurrency payment system (10) can provide a simple payment service using cryptocurrency by automatically converting the price of a product or service from a local currency (e.g., won, dollar, etc.) to a cryptocurrency (e.g., bitcoin, ethereum, etc.) and presenting it to sellers and buyers.

The cryptocurrency payment system (10) can provide sellers and buyers with real-time information on cryptocurrency price information, such as the conversion rate between cryptocurrency and local currency (e.g., XRP/KRW, Solana/USD). The cryptocurrency price information can be obtained through an API (Application Programming Interface) provided by the exchange server (500) or through a website.

Sellers or buyers can input the unit price, quantity, or payment amount of a predetermined product in local currency into the service program. Furthermore, if a transaction intent between the seller and buyer is confirmed through the service program, the cryptocurrency payment system (10) can automatically convert the product price or payment amount into a cryptocurrency price in real time based on the cryptocurrency price information at the time the transaction intent was confirmed. By sharing the automatically converted cryptocurrency price with the seller and buyer, the cryptocurrency payment system (10) can minimize the risk of cryptocurrency price fluctuations and present a reasonable cryptocurrency price to be used for product payment. At this time, sellers and buyers can simply input the product price or payment amount in their familiar local currency without having to manually convert it into a cryptocurrency price. For this purpose, the cryptocurrency payment system (10) can utilize stable coins or central bank-issued digital currencies (CBDCs), which have low price volatility.

In existing cryptocurrency wallet services, the only information provided to sellers and buyers is the seller's wallet address. In contrast, the cryptocurrency payment system (10) according to one embodiment of the present disclosure provides not only the type of cryptocurrency to be used for payment (multiple selections are possible) and the corresponding seller's wallet address, but also information such as the payment amount, a menu for calculating the payment amount, or a table number, allowing sellers and buyers to easily and quickly share relevant information. This information can be transmitted via a URL containing payment information using a QR code, Near Field Communication (NFC), link copying, or barcode recognition. The code containing the URL can be transmitted to the buyer from the seller's terminal (30) or through an offline or online web service. Furthermore, if the payment amount is not specified in the payment information received by the buyer, the buyer can complete the payment information by using a menu for calculating the payment amount or by directly entering the payment amount.

Payment is made via a blockchain network (100), and payment completion information is transmitted to a payment service server (200), a seller terminal (300), and a buyer terminal (400), respectively. The payment service server (200) can convert the payment completion information into a receipt and store it in a database. The payment service server (200) transmits the stored receipt to the seller terminal (300) and the buyer terminal (400), and the seller and buyer can store the payment completion information in their respective terminals (300, 400).

In one embodiment, the seller can select multiple cryptocurrencies for payment. In response, the buyer can either select the desired cryptocurrency for payment directly or have the seller automatically match it with an acceptable cryptocurrency.

Meanwhile, cryptocurrency merchant websites provide information on merchants who wish to accept cryptocurrency payments, including store locations, discount rates, items for sale, and types of accepted cryptocurrencies. Buyers can search this information, visit the seller's store, and complete their purchase. Online payments operate on the same principles as offline payments. Specifically, sellers upload QR codes or link copies to their online websites. Buyers receive payment information via the QR code or link copy on their terminal (300) and complete the payment process, completing the online payment process.

FIG. 2 is a diagram showing the configuration of a payment service server according to one embodiment of the present disclosure.

Referring to FIG. 2, a payment service server (200) according to one embodiment of the present disclosure may include a cryptocurrency price information providing unit (210), a product price automatic conversion unit (220), a cryptocurrency determination unit (230), a payment information generation providing unit (240), a payment processing unit (250), and a receipt generation providing unit (260).

The cryptocurrency price information provider (210) can provide real-time cryptocurrency price information to sellers and buyers. For example, if a seller or buyer selects a local currency (e.g., Korean Won or US Dollar) through a service program, the cryptocurrency price information provider (210) can provide real-time information on the cryptocurrency-to-local currency conversion rate (e.g., XRP/Korean Won, Solana/US Dollar) to the seller or buyer via the exchange's API. The exchange is a centralized exchange, and the exchange rate may be predetermined by the payment service server (200) according to predetermined criteria, or may be determined at the seller's and/or buyer's discretion.

In one embodiment, cryptocurrency price information may be transmitted directly to the user terminals of sellers and/or buyers via the API of a specific exchange.

In another embodiment, cryptocurrency price information may be transmitted to the payment service server (200) through the APIs of multiple exchanges, and then averaged and processed by the payment service server (200) and transmitted to the user terminals of the seller and/or buyer.

The automatic product price conversion unit (220) can automatically convert the product price (or payment amount) in local currency into cryptocurrency based on the aforementioned cryptocurrency price information. For example, when a seller (or buyer) inputs local currency, the cryptocurrency price for the product is calculated and provided in real time based on the conversion rate between the cryptocurrency and local currency. The cryptocurrency price is immediately fixed and used as the basis for the transaction, and can be shared in real time with the buyer (or seller).

The cryptocurrency decision unit (230) can determine the type of cryptocurrency to be used for payment of goods.

The type of the above cryptocurrency can be determined based on the user's choice.

For example, a seller can select multiple cryptocurrencies to accept through a service program (e.g., a dedicated app, webpage, etc.). In response, the buyer can select any of the cryptocurrencies selected by the seller.

Alternatively, the buyer can utilize the automatic selection service provided by the service program to automatically select/match one of the cryptocurrencies selected by the seller. This automatic selection may be performed based on certain criteria. For example, among the cryptocurrencies selected by the seller, the cryptocurrency with the highest transaction frequency or number of transactions may be selected as the cryptocurrency to be used for payment. In this case, the transaction frequency or number of transactions may be calculated/obtained based on the entire transaction history stored in the service program. Alternatively, among the cryptocurrencies selected by the seller, the cryptocurrency with the highest buyer preference may be selected as the cryptocurrency to be used for payment. In this case, the buyer's preference may be calculated/obtained based on the buyer's transaction history stored in the service program.

The cryptocurrency decision unit (230) determines the type of cryptocurrency to be used for payment of goods based on the selection of the seller and buyer as described above.

The payment information generation and provision unit (240) can generate payment information for a given product and provide it to the purchaser's terminal. This payment information may include the type of cryptocurrency to be used for payment and the seller's wallet address corresponding to the cryptocurrency, as well as information such as the payment amount automatically converted to the cryptocurrency or a menu or table number that can be used to calculate the payment amount. In this disclosure, the payment information may also be referred to as "transaction information."

The payment processing unit (250) can process simple cryptocurrency payment for products or services based on the above payment information.

The above payment information may be generated based on information entered by the seller and/or buyer through a service program (e.g., dedicated APP, webpage, etc.), and payment may be processed based on the above payment information.

For example, a seller can use the Point of Sales (POS) function provided by a service program (e.g., a dedicated app, webpage, etc.) to input the type and quantity of products, calculate the "Total Payment Amount" (Total), and provide it to the buyer. Through POS settings, the seller can set the product type, price, discount rate, and tradable cryptocurrencies, as well as additional settings such as table numbers. Using the POS, the seller calculates the total payment amount by having the buyer input the type and quantity of desired products.

Additionally, buyers can use the kiosk function provided by the service program to input the type and quantity of products, calculate the "total payment amount," and proceed with payment. The kiosk used by the buyer retrieves the POS set by the seller via QR code, NFC, link copy, or barcode recognition, and calculates the total payment amount based on the buyer's input.

Additionally, both sellers and buyers can enter prices directly to provide the total payment amount or proceed with payment.

The above payment information can be provided to the buyer via a QR code, NFC, barcode, link address, or other means. Additionally, additional disposable or permanent QR codes may be provided for user convenience. The QR code, NFC, barcode, or link address contains a URL coded with the payment information for the relevant transaction. Upon receiving the payment information on the buyer's terminal, the buyer can either proceed with payment immediately or enter additional transaction information before proceeding.

When making online payments, the payment system of this disclosure is applied to generate a disposable or permanent QR code or link address containing the address and transaction price, which is then provided through the seller's website. The buyer can then load the code onto their terminal and complete the payment process.

The receipt generation and provision unit (260) can generate and record information on cryptocurrency transactions, such as the sales location, time, product, quantity, and price, through the cryptocurrency receipt function, and provide it to sellers and buyers. In one embodiment, the cryptocurrency receipt may be a Non-Fungible Token (NFT) receipt. While NFT receipts are provided to buyers and sellers in the same format as regular receipts, they have the unique feature of storing the receipt details in the form of an NFT on the blockchain, eliminating the possibility of loss.

Meanwhile, the payment service server (200) may further include a cryptocurrency storage unit (not shown) depending on the embodiment.

The cryptocurrency vault may be a cryptocurrency wallet owned by the payment service server (200) to facilitate smooth cryptocurrency transactions. The payment service server (200) may purchase a certain amount of cryptocurrency via a blockchain network and store/pre-store it in the cryptocurrency vault. Furthermore, when a cryptocurrency transaction is conducted via the service of the present disclosure, the payment service server (200) may perform a payment process using the cryptocurrency stored/pre-stored in the cryptocurrency vault. In other words, the actual cryptocurrency payment from the buyer to the seller is processed directly by the cryptocurrency vault, rather than via the blockchain network.

In one embodiment, the cryptocurrency vault may include a global vault, which is provided for all cryptocurrency transactions through the service of the present disclosure, and a temporary vault, which is provided only for the current transaction. Upon completion of the current transaction, the temporary vault is destroyed/deleted, and any remaining cryptocurrency in the temporary vault may be transferred to the global vault.

The amount of cryptocurrency stored/saved in the global storage and the temporary storage can be adaptively determined based on transaction history.

Specifically, the global storage unit may store/retain cryptocurrencies corresponding to the total payment amount for a certain period (e.g., one day, one week, etc.). For example, if the total payment amount for the past week is 30 coins, 30 coins of cryptocurrency may be stored/retained in the global storage unit.

Additionally, the temporary storage unit may store/retain a cryptocurrency corresponding to the average payment amount of the seller or buyer in the current transaction. For example, if the average payment amount of the buyer per transaction is 1.5 coins, the temporary storage unit may store/retain 1.5 coins of cryptocurrency. If the average payment amount of the seller and buyer differs, the cryptocurrency corresponding to the larger amount may be stored in the temporary storage unit.

The temporary storage unit may be used in preference to the global storage unit for cryptocurrency transactions. For example, if 30 coins are stored/saved in the global storage unit and 1.5 coins are stored/saved in the temporary storage unit, and a cryptocurrency transaction worth 3.5 coins is in progress, payment for 1.5 coins may be made from the temporary storage unit before payment for the remaining 2 coins is made from the global storage unit.

FIG. 3 is a flowchart illustrating a method for providing a blockchain-based cryptocurrency automated simple payment service according to one embodiment of the present disclosure.

Referring to FIG. 3, real-time information on cryptocurrency price information, for example, the conversion rate of cryptocurrency to local currency (e.g., XRP/KRW, Solana/USD) of a centralized exchange, can be transmitted from an exchange server (500) to a seller terminal (300) (S301).

The seller can use the seller terminal (300) to select the type of cryptocurrency to be used for payment (multiple selections are possible) and input/transmit information such as the payment amount or a menu or table number that can calculate the payment amount to the payment service server (200) (S302). The payment amount can be automatically converted into a cryptocurrency standard by the payment service server (200) based on the cryptocurrency price information. Furthermore, the payment service server (200) can generate payment information based on the information entered/transmitted by the seller and transmit it to the buyer terminal (400) (S303). The payment information can be transmitted by transmitting a URL where the payment information is stored using a method such as a QR code, NFC, link copy, or barcode recognition.

The above cryptocurrency price information can also be transmitted to the purchaser's terminal (400) (S304). Furthermore, if the type of cryptocurrency to be used for payment or the payment amount is not specified, the purchaser can use the purchaser's terminal (400) to access a service program (e.g., a dedicated app, webpage, etc.) and complete the payment information through a menu or by directly entering the relevant information (S305).

The buyer can pay the payment amount based on cryptocurrency using the buyer terminal (400) (S306). Furthermore, the blockchain network (100) can generate a block by distinguishing payment service fees and payment details (S307) and transmit information regarding payment completion details to the seller terminal (300). In this case, a payment completion push alarm message is issued to the seller terminal (300) (S309). Furthermore, the blockchain network (100) can transmit information regarding payment completion details to the buyer terminal (400) (S310). In this case, a payment completion push alarm message is also issued to the buyer terminal (400) (S311).

Meanwhile, information regarding the payment completion details is also transmitted to the payment service server (200) (S312). In this case, the payment service server (200) can issue a receipt containing transaction information such as the cryptocurrency type, payment time, amount, seller information, and buyer address and store it in a database (S313). Furthermore, the payment service server (200) transmits the receipt to the seller terminal (300) and the buyer terminal (400), respectively (S314, S316). The transmitted receipt can be stored/archived on the seller terminal (300) and the buyer terminal (400), respectively (S315, S317).

Figure 4 is a diagram illustrating an exchange determination method for providing cryptocurrency price information according to one embodiment of the present disclosure. Each step of Figure 4 may be performed by the aforementioned payment service server (200).

As described above, the payment service server (200) can provide real-time information on cryptocurrency price information, such as cryptocurrency-to-local currency conversion rates (e.g., XRP/KRW, Solana/USD), to sellers and/or buyers. To this end, the payment service server (200) can determine the exchange from which to retrieve the cryptocurrency price information based on predetermined criteria. In one embodiment, the exchange may be determined based on the seller's or buyer's selection, cryptocurrency transaction volume, or transaction preference.

Specifically, if there is an exchange selection by the seller or buyer (‘YES’ in S410), the payment service server (200) can provide the cryptocurrency price information of the selected exchange to the seller and/or buyer (S420).

Conversely, if neither the seller nor the buyer selects an exchange ("NO" in S410), the payment service server (200) may select the exchange with the highest cryptocurrency trading volume among multiple centralized exchanges (S430). The cryptocurrency trading volume may be obtained through each exchange's website or API, or through a cryptocurrency price platform that aggregates and provides transaction status data from multiple exchanges. Depending on the embodiment, the cryptocurrency trading volume may be real-time or over a specific period (e.g., the past week).

In addition, the payment service server (200) can determine whether the transaction volume ratio of the selected exchange (i.e., the ratio of the cryptocurrency transaction volume of the exchange to the total transaction volume) exceeds a predetermined threshold (e.g., 30%) (S440).

As a result of the determination, if the transaction volume ratio of the selected exchange exceeds a predetermined threshold (‘YES’ of S440), the payment service server (200) considers the reliability of the selected exchange to be high and may provide the cryptocurrency price information of the exchange to the seller and/or buyer (S450).

Conversely, if the transaction volume of the selected exchange falls below a predetermined threshold ('NO' in S440), the payment service server (200) may deem the selected exchange as having low reliability and provide the seller and/or buyer with cryptocurrency price information from the exchange with the highest transaction preference (S460). The transaction preference may be calculated based on the user's exchange usage history within the service of the present disclosure. Furthermore, the user preference may be calculated based on all users, or based on users in the same region as the seller or buyer.

FIG. 5 is a diagram showing the configuration of a payment service server according to another embodiment of the present disclosure, and FIG. 6 is a flowchart showing a payment verification procedure.

First, referring to FIG. 5, a payment service server (200') according to another embodiment of the present disclosure may include a cryptocurrency price information providing unit (210), a product price automatic conversion unit (220), a cryptocurrency determination unit (230), a payment information generation providing unit (240), a payment processing unit (250), and a receipt generation providing unit (260). Specific details of the price information providing unit (210) and the receipt generation providing unit (260) are as described above with reference to FIG. 2, and therefore, a separate description thereof will be omitted.

Additionally, the payment service server (200) may further include a cryptocurrency storage unit (not shown) depending on the embodiment. The cryptocurrency storage unit may be a cryptocurrency wallet owned by the payment service server (200) itself for smooth cryptocurrency transaction mediation, the specific details of which are as described above with reference to FIG. 2.

Meanwhile, a payment service server (200') according to another embodiment of the present disclosure may further include a payment verification processing unit (270) unlike FIG. 2.

Cryptocurrency payments can experience payment errors due to seller or buyer errors, system errors, or errors in cryptocurrency price information on exchange servers. These errors can cause unexpected damage to sellers and buyers and lower service reliability. Therefore, the payment verification processing unit (270) can perform a payment verification process to verify that there are no errors in the buyer's payment details. The details of the payment verification process are illustrated in Figure 6.

Referring to FIG. 6, in response to a buyer's payment request, the payment processing unit (250) can process cryptocurrency payment for the product (S610). Furthermore, the payment verification processing unit (270) can determine whether there are any errors in the processed payment details (S620). The payment error determination can be performed only within a specified period (e.g., within 7 days of payment processing). Furthermore, the payment error determination can be performed only upon request from the seller or buyer, or can be automatically performed by the payment verification processing unit (270) even without a request from the seller or buyer.

If a payment error is detected ("YES" at S620), the payment verification processing unit (270) can cancel the payment and initiate a repayment process (S630). This repayment process can be performed by providing the buyer with payment information, such as the new payment amount, and then re-initiating the payment and verification process.

Conversely, if no payment error exists ('NO' at S620), the payment verification processing unit (270) can complete the payment and proceed with the settlement process (S640). At this time, the settlement process is accomplished by executing the actual cryptocurrency payment from the buyer to the seller. The settlement process can be performed directly on the blockchain network (100) under the control of the payment service server (200) or within the payment service server (200). For this purpose, the payment service server (200) may further be equipped with the aforementioned cryptocurrency storage unit.

FIG. 7 is a schematic diagram illustrating a blockchain-based cryptocurrency automated simple payment service provision system according to another embodiment of the present disclosure.

Referring to FIG. 7, a blockchain-based cryptocurrency automated easy payment service providing system (10') according to another embodiment of the present disclosure may include a blockchain network (100), a payment service server (200), a seller terminal (300), a buyer terminal (400), and an exchange server (500). In addition, unlike FIG. 1, the cryptocurrency payment system (100') may further include a payment mediation server (600). Hereinafter, for convenience of explanation, the blockchain-based cryptocurrency automated easy payment service providing system (10') will be abbreviated as a “cryptocurrency payment system.” Since the specific details of the blockchain network (100) and the exchange server (500) are the same as those described above with reference to FIG. 1, a separate description thereof will be omitted.

In the near future, if central bank-issued digital currencies (CBDCs) become active and decentralized exchanges develop to rival centralized exchanges, cryptocurrency trading methods will also change. This means that buyers and sellers will be able to easily settle payments even when they use different cryptocurrencies.

In one embodiment, if the buyer and seller wish to pay with different cryptocurrencies, such as central bank digital currencies (CBDCs), stablecoins, or other coins and tokens, but operating on the same network, decentralized transactions can be utilized. Specifically, the buyer's central bank digital currencies (CBDCs), stablecoins, or other coins and tokens can be automatically decentralized into a cryptocurrency of the seller's choice (multiple selections are allowed) based on a cryptocurrency price matching the product price set by the seller, within a margin of error between the buyer and the market price set by the buyer, and then the seller can be automatically paid, ensuring a fair transaction for both the buyer and the seller.

In one embodiment, if the buyer and seller wish to pay with different cryptocurrencies and on different networks, the payment may be processed through an online payment broker.

Conventionally, transactions in this case are conducted through a centralized exchange. However, centralized exchanges are difficult to use for practical, simple transactions due to issues such as the International Money Laundering Prevention Act. These include lengthy deposit/withdrawal requests, real-name verification issues, and potential large price discrepancies that can lead to large settlement amounts. An online payment broker is similar to a real-world (offline) currency exchange. In other words, it holds a certain amount of central bank digital currency (CBDC), stablecoins, or other coins and tokens, and sells/exchanges them online when the purchase price arrives. When a buyer pays with a central bank digital currency (CBDC), stablecoin, or other coins and tokens, the authorized online payment broker automatically transfers the corresponding amount in the buyer's desired cryptocurrency to a wallet on the network designated by the buyer. This method offers faster processing speeds compared to using a centralized exchange, and is secure because it verifies the fixed price and cryptocurrency quantity before conducting the transaction. The payment intermediary server (600) can be directly equivalent to the online payment broker described above.

The payment intermediary server (600) holds a certain amount of cryptocurrency, such as a central bank digital currency (CBDC), stablecoin, or other coins and tokens. When the purchase price is received online through the payment service of the present disclosure, the payment intermediary server (600) can mediate the payment by selling or exchanging the cryptocurrency. Specifically, when the buyer pays the payment amount in the desired cryptocurrency, the payment intermediary server (600) automatically converts the corresponding amount into a designated cryptocurrency and deposits it into the cryptocurrency wallet designated by the buyer.

FIG. 8 is a flowchart illustrating a method for providing a blockchain-based cryptocurrency automated simple payment service according to another embodiment of the present disclosure.

Referring to FIG. 8, a seller can input/transmit information regarding the type of cryptocurrency to be used for payment and the payment amount to the payment service server (200) using a seller terminal (300) (S801). Furthermore, a buyer can input/transmit information regarding the type of cryptocurrency to be used for payment and the payment amount to the payment service server (200) using a buyer terminal (400) (S802).

The payment service server (200) can compare the seller's input information with the buyer's input information to determine a payment processing method (S803).

<CASE #1>

If the seller and buyer have the same desired cryptocurrency type and network, making payment possible, the payment service server (200) can initiate a payment process using the cryptocurrency (S810). The specific details of the payment process are as described above with reference to FIG. 3.

<CASE #2>

If the types of cryptocurrency desired by the seller and buyer are different but the network is the same, the payment service server (200) can proceed with a decentralized payment process (S820).

Specifically, the payment service server (200) can obtain information such as the trading pair price and slippage from the exchange server (500) (S821). The exchange server (500) may be an exchange server operated by a decentralized exchange. The trading pair price refers to the price at which a specific cryptocurrency is traded for another cryptocurrency or other asset. For example, this may include the price at which Bitcoin is traded for Ethereum, or the price at which Bitcoin is traded for US dollars. Furthermore, slippage refers to the difference between the preset price for a transaction and the actual transaction price. Slippage refers to the price fluctuation that occurs when an order is executed and can be primarily influenced by market liquidity and trading volume.

The payment service server (200) can generate payment information, such as the optimal exchange and type and amount of cryptocurrency to be used for payment, based on information obtained from the exchange server (500) and information obtained from the seller and buyer, and transmit the information to the buyer terminal (400) (S822).

In this case, the buyer can access the exchange server via the buyer terminal (400) and automatically convert the cryptocurrency held by the buyer into a cryptocurrency that can be used for payment based on the payment information (S823), and a decentralized transaction can be performed (S824). The decentralized transaction can be performed within the margin of error of the market price set by the buyer based on the cryptocurrency price that matches the product price set by the seller. If the decentralized transaction is performed outside the margin of error of the market price, the existing payment can be canceled and a re-payment process can be performed through a payment error verification process, the details of which are as described above with reference to FIGS. 5 and 6.

The automatically converted cryptocurrency is then immediately transferred to the seller (S825), and the cryptocurrency deposit can be completed (S826). Steps S823 to S826 described above are conducted through a single blockchain network.

The payment service server (200) can obtain payment completion information, such as cryptocurrency type, payment time, and amount, from the blockchain network, issue a receipt, and transmit it to the seller and buyer (receipt processing) (S827).

In this way, when a cryptocurrency price is determined based on the product price, even if the buyer and seller have different preferences for the cryptocurrency, the simple payment service of this disclosure matches the buyer's cryptocurrency with the seller's desired cryptocurrency through an optimal decentralized transaction, and payment is made. If the decentralized transaction falls outside the margin of error of the buyer's market price or the decentralized exchange's trading volume is insufficient, making cryptocurrency conversion difficult, the transaction between the buyer and seller may be delayed or canceled.

If the decentralized transaction is outside the margin of error of the buyer's set market price or the decentralized exchange's trading volume is insufficient, making cryptocurrency conversion difficult, the transaction between the seller and buyer will be delayed or canceled.

<CASE #3>

If the type of cryptocurrency and network desired by the seller and buyer are different, the payment service server (200) can proceed with the payment process through the payment mediation server (600) (S830).

Specifically, the payment service server (200) can obtain information on the types of cryptocurrencies available for trading, conversion rates, holding amounts, fees, etc. from the payment intermediary server (600) (S831). The payment intermediary server (600) may correspond to the aforementioned online payment broker.

The payment service server (200) can generate payment information, such as the optimal exchange and type and amount of cryptocurrency to be used for payment, based on information obtained from the payment mediation server (500) and information obtained from the seller and buyer, and transmit the information to the buyer terminal (400) (S832).

In this case, the buyer can access the payment intermediary server (600) via the buyer terminal (400) and convert (or exchange) the cryptocurrency held by the buyer into a cryptocurrency that can be paid for (S833, S834). The converted cryptocurrency is immediately transferred to the seller (S835), and the cryptocurrency deposit can be completed (S836). Steps S833 to S836 described above are performed via a multi-blockchain network. Alternatively, the payment intermediary server (600) may deposit the converted cryptocurrency directly into the seller's cryptocurrency wallet instead of depositing it into the buyer's cryptocurrency wallet.

The payment service server (200) can obtain payment completion information, such as cryptocurrency type, payment time, amount, etc., from a multiple blockchain network, issue a receipt, and transmit it to the seller and buyer (receipt processing) (S837).

In this way, once a cryptocurrency price is determined that matches the product price, even if the seller and buyer have different desired cryptocurrency types or networks, the optimal online payment broker is automatically connected to convert the buyer's cryptocurrency into the seller's desired cryptocurrency, allowing payment to be made.

According to the embodiments of the present disclosure, sellers and buyers can simply input the product price in fiat currency, which is automatically converted to a cryptocurrency price and shared. This allows for easier and faster cryptocurrency payments, saving buyers on currency exchange fees and credit card fees, while sellers save on credit card fees. Furthermore, in countries without a well-established financial system, this can alleviate the difficulties of opening separate accounts or paying fees.

Cryptocurrencies have the advantage of being usable worldwide, not just in one country. Therefore, this disclosure allows for easier, faster, and more convenient transactions even when the seller and buyer are of different nationalities.

It should be understood that the various embodiments of the present disclosure and the terminology used therein are not intended to limit the technical features described in the present disclosure to specific embodiments, but rather to encompass various modifications, equivalents, or alternatives of the embodiments.

When a component is said to be "connected," "coupled," or "connected" to another component in this disclosure, this may include not only a direct connection relationship, but also an indirect connection relationship in which another component exists in between. In addition, when a component is said to "include" or "have" another component, this should be understood as not excluding the possibility of the presence or addition of another component unless specifically stated otherwise. The singular form of a noun corresponding to an item in this disclosure may include one or more of said items, unless the relevant context clearly indicates otherwise. When a component (e.g., a first component) is said to be "coupled" or "connected" to another component (e.g., a second component), with or without the terms "functionally" or "communicatively," this means that said component can be connected to said other component directly (e.g., wired), wirelessly, or via a third component. Although terms such as first, second, etc. may be used herein to describe various components, the components should not be limited by these terms. These terms are used solely to distinguish one component from another. For example, within the scope of this disclosure, a first component in one embodiment may be referred to as a second component in another embodiment, and similarly, a second component in one embodiment may be referred to as a first component in another embodiment. As used herein, "and/or" may encompass any combination of one or more of the associated components that can be defined.

According to various embodiments of the present disclosure, each of the components described above may include one or more entities, and some of the entities may be separately arranged in other components. According to various embodiments, one or more of the components or operations of the aforementioned components may be omitted, or one or more other components or operations may be added. Alternatively or additionally, the plurality of components may be integrated into a single component. In such a case, the integrated component may perform one or more functions of each of the plurality of components identically or similarly to those performed by the corresponding component among the plurality of components prior to the integration. According to various embodiments, the operations performed by a module, program, or other component may be executed sequentially, in parallel, iteratively, or heuristically, or one or more of the operations may be executed in a different order, omitted, or one or more other operations may be added.

10, 10': Cryptocurrency Payment System
100: Blockchain Network
200, 200': Payment service server
210: Cryptocurrency Price Information Provider, 220: Product Price Automatic Conversion Unit
230: Cryptocurrency Decision Unit, 240: Payment Information Generation and Provision Unit
250: Payment Processing Unit, 260: Receipt Generation and Provision Unit
270: Payment Verification Processing Unit
300: Seller terminal, 400: Buyer terminal
500: Exchange Server
600: Payment Intermediary Server

Claims (10)

In a payment service server that provides a blockchain-based cryptocurrency automated simple payment service,
Cryptocurrency price information provision department that provides real-time cryptocurrency price information to seller and buyer terminals;
Based on the above cryptocurrency price information, a product price automatic conversion unit that automatically converts the product price in local currency into the cryptocurrency price;
A cryptocurrency decision unit that determines the type of cryptocurrency to be used for payment of goods;
A payment information generation and provision unit that generates payment information for a product, including the type of the determined cryptocurrency, the product price automatically converted based on the cryptocurrency, and the seller's wallet address, and provides the payment information to the buyer's terminal; and
Includes a payment processing unit that processes product payment using cryptocurrency based on the above payment information,
The above cryptocurrency price information includes information on the conversion rate between cryptocurrency and local currency.
Payment service server. In the first paragraph,
The above cryptocurrency price information is provided through the API (Application Programming Interface) provided by the exchange server of the specified exchange.
The above exchanges are determined based on the choice of the seller or buyer, cryptocurrency trading volume or trading preferences.
Payment service server. In the first paragraph,
The above cryptocurrency price information is provided by averaging price information obtained from multiple exchange servers.
Payment service server. In the first paragraph,
The type of the above cryptocurrency is automatically selected as one of multiple cryptocurrencies selected by the seller,
The above automatic selection is performed based on the frequency or number of transactions per cryptocurrency or the buyer's cryptocurrency preference.
Payment service server. In the first paragraph,
It further includes a receipt generation and provision unit that generates a receipt including product payment completion information and provides it to the seller and buyer terminals.
Payment service server. In paragraph 5,
The above receipt is an NFT (Non-Fungible Token) receipt.
Payment service server. In the first paragraph,
It further includes a cryptocurrency vault that stores and manages cryptocurrency purchased through the blockchain network.
The amount of cryptocurrency stored and managed in the above cryptocurrency storage is adaptively determined based on the transaction history of the above cryptocurrency automated simple payment service.
Payment service server. In the first paragraph,
It further includes a payment verification processing unit that verifies whether there is an error in the payment for the product made above,
If the above error exists, the payment for the product will be canceled and the product payment process will be restarted.
Payment service server. In the first paragraph,
If the seller and buyer want different types of cryptocurrencies but use the same blockchain network, payment for the above product will be processed through a decentralized exchange.
Payment service server. In the first paragraph,
If the type of cryptocurrency and blockchain network desired by the seller and buyer are different, payment for the above product will be processed through a designated payment intermediary server.
The above payment mediation server mediates payment for the product by converting the cryptocurrency held by the buyer into the cryptocurrency desired by the seller.
Payment service server.