TR201812140A2

TR201812140A2 - BLOCK CHAIN BASED PAYMENT SYSTEM FOR E-COMMERCE SITES

Info

Publication number: TR201812140A2
Application number: TR2018/12140A
Authority: TR
Inventors: Rastgeldi̇ Osman
Original assignee: Osman Rastgeldi
Priority date: 2018-08-27
Filing date: 2018-08-27
Publication date: 2018-11-21

Abstract

Buluş, kullanıcının internet üzerinden herhangi bir mal veya hizmet satışı yapan e-ticaret sitesi üzerinden sipariş verirken, ödemesini blok zincir üzerinde var olan ve sipariş verilen ülkedeki mevcut kripto para takas sitelerinden, o ülkenin resmi para birimine dönüştürülebilen bir kripto para birimi (Örn: Bitcoin, Ethereum, Ripple vb.) kullanarak sipariş verebilmesini sağlayan bir sistemdirThe invention provides a crypto currency (eg Bitcoin) that can be converted from the existing crypto currency exchange sites in the ordering country to an official currency of the country where the payment is made on the block chain when the user places an order through the e-commerce site that sells any goods or services on the internet. , Ethereum, Ripple, etc.).

Description

TARIFNAME E-TICARET SITELERI IÇIN BLOK ZINCIR TABANLI ÖDEME SISTEMI Bulusun Dahil Oldugu Teknik Alan Bulus, internet üzerinde faaliyet gösteren bir e-ticaret sitesinden, herhangi bir ürün veya hizmet alan bir kullanicinin, ürün veya hizmet için yapmasi gereken ödemesini, blok zincir (blockchain) mimarisi ile olusturulmus ve genis bir kullanim yayginligi olan kripto para araciligi ile yapmasi teknik alani ile ilgilidir. DESCRIPTION BLOCK CHAIN-BASED PAYMENT SYSTEM FOR E-COMMERCE SITES Technical Field of Invention Bulus, any product or product from an e-commerce site operating on the internet. blockchain, the payment that a service user must make for the product or service, Cryptocurrency created with (blockchain) architecture and widely used It is related to his technical field.

Teknigin Bilinen Durumu Günümüzde kullanicilar, e-ticaret siteleri üzerinden aldiklari ürün veya hizmet için ödemelerini, kredi kartlari, ATM kartlari, ön ödemeli kartlar veya bankalar üzerinden para transferleri (havale / EFT) araciligi ile yapmaktadir. Bütün bu yöntemlerle ödeme yapabilmek için kullanicinin mutlaka araci bir bankaya ihtiyaci bulunmaktadir. Araci olan banka, yapilan e-ticaret satislari için satis yapan firmadan her bir satis için belli bir oranda komisyon, kart veya hesap sahibinden de dönemsel olarak hesap isletim ücreti veya kart aidati seklinde kesintiler yapabilmektedir. Ayrica kredi karti üzerinden ödeme alarak bir ürün satisi yapmak isteyen firmalar, kendi e-ticaret siteleri için sanal pos entegrasyonu yapmak zorundadir. Bu entegrasyon süreci, pek çok bürokratik islem yapilmasini gerektiren masrafli bir süreçtir. Sonuç olarak bu entegrasyonlar, kesintiler ve masraflar satisi yapilan ürünlerin fiyatinin artmasina sebep olmaktadir. Ayrica bankalarin hesap ve kredi karti sisteminin güvenligini saglama amaçli çok büyük masraflar yapmasina ragmen yine de geçmisten günümüze kredi kartlari ile ilgili olarak pek çok çalinma ve magduriyet yasanmistir. Ve gelecekte de bu kredi kartlari ile ilgili olan bu güvenlik riskinin devam edecegi öngörülmektedir. State of the Art Today, users pay for the product or service they buy through e-commerce sites. money via credit cards, ATM cards, prepaid cards or banks transfers (wire transfer / EFT). Payment by all these methods In order to do so, the user definitely needs an intermediary bank. intermediary For e-commerce sales, the bank pays a certain percentage for each sale from the company that sells. commission, account management fee from the card or account holder, or the card may make deductions in the form of dues. Also, by taking payment by credit card, Companies that want to sell products, virtual pos integration for their e-commerce sites has to do. This integration process requires many bureaucratic procedures. It is an expensive process that requires As a result these integrations, interruptions and costs It causes an increase in the price of the products sold. In addition, bank accounts and despite the enormous expenses incurred in maintaining the security of the credit card system still, many theft and victimization related to credit cards from past to present. has been made. And in the future, this security risk associated with these credit cards will continue. is predicted to happen.

Bulusun Kisa Açiklamasi Bulusun amaci, internet üzerinden yapilan alisverislerde, bankalarin sagladigi ödeme araçlarinin yerine, blok zincir teknolojisini kullanan, e-ticaret sitelerinin kolayca entegre olabilecegi, daha güvenli ve daha az maliyetli bir ödeme araci gelistirmektir. Bu bulus sayesinde banka hesabi veya kredi karti olmayan kullanicilar da internet üzerinden alisveris yaparken ödeme yapabilecektir. Brief Description of the Invention The aim of the invention is to make payments provided by banks in online shopping. e-commerce sites that use blockchain technology, instead of tools, can be easily integrated. What can be done is to develop a safer and less costly means of payment. This invention Thanks to this, users who do not have a bank account or credit card can also be accessed online. will be able to pay while shopping.

Bulusun Ayrintili Açiklamasi E-ticaret sitleri için blockchain tabanli kripto para ödeme yapilmasini saglayan bulusun isleyisini gösteren toplam bir adet sekil ekler kisminda bulunmaktadir. Bu sekil (Sekil 1), bulus kullanilarak yapilan bir ödemede yer alan bilesenleri ve bu bilesenlerin gerçeklestirdigi adimlari gösterir. Detailed Description of the Invention Invention that enables blockchain-based cryptocurrency payments for e-commerce sites A total of one figure showing its operation is in the appendices. This figure (Figure 1), components included in a payment made using the invention, and shows the steps it has taken.

Sekil 1'deki bilesenlerin açiklamalari su sekildedir: Alisveris Yapan Müsteri (1): Internet üzerinden alisveris yaparak herhangi bir ürün veya hizmet satin almak isteyen kullanici. The descriptions of the components in Figure 1 are as follows: Shopper Customer (1): Any product or product by online shopping. the user who wants to purchase the service.

E-Ticaret Sitesi (2): Internet üzerinden herhangi bir mal veya hizmet satisi yapan e-ticaret Kripto Para Takas Sitesi (3): 2009 yilinda ilk blok zincir tabanli kripto para olan Bitcoin hayatina basladigindan beri, bu paraya sahip olan kisilerin ellerindeki Bitcoin ve sonradan gelistirilen benzeri kripto paralari takas edebildigi veya o takas sitesinin faaliyet gösterdigi ülkenin para birimleri karsiligi kripto paralarini satabildigi veya alabildigi, internet üzerinden faaliyet gösteren takas siteleri bulunmaktadir. Bu siteler zaman zaman kendileri de direkt olarak kripto para alip satabilir ancak çogunlukla alici ve saticilari bir araya getirip onlara arayüz sunarak alim satim islemlerine aracilik ederler. Bu takas sitelerinin temel gelir kalemleri de alim satim islemleri üzerinden aldiklari komisyonlardir. Türkiye'de de Türk Lirasi ile çesitli kripto paralar alinip satilabilen siteler (Örn: Paribu, BTCTurk, Koinim, Bitexen vb.) geçtigimiz yillarda faaliyetlerine baslamislardir. E-Commerce Site (2): E-commerce that sells any goods or services over the Internet Cryptocurrency Exchange (3): Bitcoin, the first blockchain-based cryptocurrency in 2009 Since the beginning of his life, the people who have this money have Bitcoin in their hands and later on. where you can exchange similar cryptocurrencies developed or where that exchange site operates. where the country can sell or buy cryptocurrencies for currencies, internet There are barter sites operating on it. These sites are sometimes It can also buy and sell cryptocurrencies directly, but mostly by bringing together buyers and sellers. they mediate their buying and selling transactions by providing them with an interface. These exchange sites Income items are the commissions they receive on their purchase and sale transactions. in Turkey too Sites where various cryptocurrencies can be bought and sold with Turkish Lira (Ex: Paribu, BTCTurk, Koinim, Bitexen etc.) have started their activities in the past years.

Kripto para takas sitelerinin hepsinde, alinip satilan her farkli kripto para için ayri bir alim satim sayfasi vardir. Bu alim satim sayfalarindaki mantik borsada islem gören hisse senetlerinin Islem tahtasi ile çok benzerdir. Elindeki kripto parayi satmak isteyen bir kullanici, satmak istedigi kripto para miktarini bu sayfaya girer. Veya satin almak isteyen bir kullanici hangi fiyattan ne miktarda kripto para almak istiyorsa, yine bu sayfaya bu bilgileri girer. Saticilarin veya alicilarin girdikleri bu talepler, islem emirleri olarak sayfada listelenir. Fiyat ve miktar olarak birbiriyle uyusan alim satim emirleri oldugunda ise, islem gerçeklesir ve kripto para, saticidan alici hesabina geçer. Islem miktari için girilmis TL ise, alicinin TL hesabindan, saticinin TL hesabina geçer. Saticilarin ve alicilarin hem kripto para cüzdanlarini hem de TL hesaplarini takas sitesi yönetir. Bu hizmetleri karsiliginda ise, alim satim islemlerinden komisyon alir. In all cryptocurrency exchange sites, a separate purchase is made for each different cryptocurrency traded. There is a sale page. Shares traded on the logical exchange on these trading pages It is very similar to the trading board of stocks. Someone who wants to sell their cryptocurrency The user enters the amount of cryptocurrency they want to sell on this page. Or want to buy If a user wants to buy what amount of crypto money at what price, this page is also on this page. enters information. These requests entered by the sellers or buyers are displayed on the page as transaction orders. is listed. When there are buy and sell orders that match each other in terms of price and quantity, the transaction is executed. occurs, and the cryptocurrency is transferred from the seller to the buyer's account. If TL entered for the transaction amount, It is transferred from the buyer's TL account to the seller's TL account. Both sellers and buyers of cryptocurrencies The exchange site manages both their wallets and TL accounts. In return for these services, the scholar Receives commission on sales transactions.

Sonuç olarak, kripto para takas sitelerinde, islem yapilabilen her bir kripto para için alim satim emirlerinin sürekli olarak güncellendigi bir emir listesi bulunur (orderbook). As a result, on cryptocurrency exchange sites, purchases are made for each tradable cryptocurrency. There is an order list (orderbook) where sell orders are constantly updated.

Günümüzde takas siteleri bünyelerinde barindirdiklari bu emir listelerini uygulama programlama arayüzü (application programming interface-API) standartlari üzerinden de yayinlayabilmektedir. Bu yayin sayesinde takas sitelerindeki emir bilgileri diger internet uygulamalari tarafindan kullanilabilmektedir. Today, clearing houses have the ability to implement these order lists. also through the application programming interface (API) standards. can publish. Thanks to this publication, order information on clearing sites can be found on other internet sites. can be used by applications.

Kripto Para Cüzdani (4): Blok zincir üzerinde islem yapmak üzere bir hesap olusturmus bir kullanicinin, o hesaba erisim bilgilerini içeren cüzdan yapisidir. Farkli blok zincir tipleri için farkli kripto para cüzdanlari vardir. Geleneksel cüzdan hesaplarinin aksine, blok zincir üzerindeki cüzdanlar o kullaniciya ait parayi saklamaz. Sadece, kullanicinin kendisi için olusturmus oldugu adrese ait genel ve özel anahtarlari saklar. Bu anahtarlar günümüzde üç farkli yapida saklanabilir. Bunlar özel olarak gelistirilmis donanimlar, yazilimlar veya geleneksel kâgit üzerinde saklanan cüzdanlar olabilir. Ancak sonuçta hangi formatta saklanirsa saklansin, bir kullanici blok zincir tabanli bir kripto para gönderme islemi yapmak istediginde, blok zincire baglanmis bir yazilim arayüzü üzerinden, kendisine ait cüzdanda saklanan özel anahtar bilgisi ile blok zincir üzerindeki cüzdan hesabina erisir ve kripto para gönderme islemini gerçeklestirir. Cryptocurrency Wallet (4): An account that has created an account to transact on the blockchain. It is the wallet structure of the user that contains the access information to that account. For different types of blockchain There are different cryptocurrency wallets. Unlike traditional wallet accounts, blockchain Wallets on it do not store the money belonging to that user. For the user only It stores the public and private keys of the address it has created. These keys are now It can be stored in three different structures. These are specially developed hardware, software or there may be wallets stored on traditional paper. But in what format Whether stored or not, a user sends a blockchain-based cryptocurrency. When he wants to do it, he can use his own software through a software interface connected to the blockchain. accesses the wallet account on the blockchain with the private key information stored in the wallet, and performs the sending of cryptocurrencies.

Blok Zincir (5): Blok zincir, yani dünyadaki genel kabul gören adiyla blockchain, temel olarak, sifrelenmis adres bilgileriyle birbirine baglanmis veri içeren bloklardan olusan bir dagitik veritabanidir. Birbirine bagli olan bloklar, daha önceki bloklar üzerinde yaratilmis adresler arasindaki hareket (transaction) bilgilerini içerir. Eger bu blok zincir bir kripto para yaratmak amaciyla olusturulmussa, o zaman bu blok zincir üzerindeki hareketler o kripto paraya ait parasal hareketlerdir. Blok zincirler araci gerektiren islemler (Örn: Noter onayi gerektiren islemler vb.) için, araciyi aradan çikaran genel bir teknoloji konsepti olarak da özetlenebilir ancak bu dokümana konu olan bulus için kullanim alani bir kripto para blok zinciridir. Mevcutta bulusa konu olan e-ticaret ödemelerine araci olan bankalar, tarif edilen blok zincir kullanimi devreye alininca devre disi kalacaktir, bankalara e-ticaret ödemeleri için ihtiyaç kalmayacaktir. Blockchain (5): Blockchain, that is, blockchain as it is generally accepted in the world, is the basic as a block consisting of blocks of data linked together by encrypted address information. It is a distributed database. Connected blocks are created on previous blocks. It contains transaction information between addresses. If this blockchain is a cryptocurrency if it was created for the purpose of creating, then movements on that blockchain monetary movements. Transactions that require a blockchain tool (For example: Notarization as a general technology concept that eliminates the middleman, for operations that require can be summarized, but the area of use for the invention that is the subject of this document is a cryptocurrency block. is the chain. Banks that are intermediaries for e-commerce payments, which are the subject of the invention, The use of the blockchain will be disabled when it is activated, e-commerce will be offered to banks. There will be no need for payments.

Islem Adimlari: Internet üzerinden alisveris yapmak isteyen kullanici (1), satin alma islemini yapacagi e- ticaret sitesine (2) giris yapar, satin alacagi ürün veya hizmetlerin sayfasina gelir, ürünleri sepetine ekler ve e-ticaret sitesinin ödeme araci seçim sayfasina gelir (101). Ödeme araci seçim sayfasinda, diger ödeme araçlari ile beraber listelenen kripto para ile ödeme seçenegini ve hangi kripto para cinsi ile ödeme yapacagini seçer. Bu asamada kullanicinin seçebilecegi kripto para cinsleri, takas sitesinde (3) islem gören kripto para cinslerinden birisi olmalidir. Kullanicinin kripto para ile ödeme seçenegi ve ödeme yapacagi kripto para cinsini seçtikten sonra, e-ticaret sitesi, entegre oldugu takas sitesinin kullanici tarafindan seçilmis olan kripto para alim satim emir listesi servisine baglanarak, ödeme yapilmasi gereken toplam siparis miktarinin, ödeme yapilacak kripto para cinsinden karsiligini hesaplar (102). Burada takas sitesindeki ilgili kripto paranin anlik güncel degeri yerel para cinsinden hesaplanirken, 0 kripto paranin alim satim emirlerindeki hazir alici yani piyasa yapici emirlerden en yüksek olanina bakilir. Böylece ilgili kripto paranin yerel para cinsinden güncel degeri takas sitesinden, e-ticaret sitesine servis üzerinden dönülür (103). E-ticaret sitesi ilgili kripto para cinsinin yerel para cinsi bazinda degerini artik bildiginden, satisi yapilacak ürün veya hizmetin fiyatini, kripto para cinsine çevirir. Artik alisveris yapan kullanicinin, ilgili kripto para cinsinden tam olarak ne kadar miktarda ödeme yapacagi belli olmustur ve bu miktar kullaniciya e-ticaret sitesi arayüzü üzerinden gösterilir (104). E-ticaret siteleri gelecekte kripto para takas hizmeti vermeye basladiginda veya kripto para takas siteleri kendi siteleri bünyesinde e-ticaret yapmaya basladiginda; bulus kapsaminda bu iki farkli tipteki site arasinda tarif edilen haberlesme ve eylemler (103 ve 104), ayni site bünyesindeki farkli modüller arasinda da gerçeklesebilir. Ödeme yapacak müsteri, kripto para cinsinden fiyati uygun bulmasi neticesinde siparis verme sürecini tamamlar ve siparisini olusturur. Siparis olusturma süreci tamamlaninca, müsteriye ilgili kripto para cinsinden hangi cüzdan adresine ödeme yapacagi bilgisi de gösterilir (104). Bu asamada mevcutta genel olarak kullanilan kripto para teknolojilerinden hareketle iki farkli isleyise göre kullaniciya ödeme yapilacak adres bilgisi iletilebilir: Eger ilgili kripto para blok zinciri, her bir kripto para gönderiminde, alici adrese ek olarak islem detayi veya islem açiklamasi verisi girilmesine izin veriyorsa (Örn: Ripple blok zincirinde her bir Ripple gönderiminde alici adrese ek olarak bir hedef etiket bilgisi-Destionation Tag de girilebilir.) kullanici bu ek alana, e-ticaret sitesi tarafindan olusturulan essiz (unique) siparis numarasini girer. Böylece kullanicinin ödeme hareketi bilgileri içinde alici adresle ilgili olarak: "E-ticaret sitesinin degismeyen sabit cüzdan adresi + Essiz Siparis Numarasi” bilgileri bulunur. Process steps: The user (1) who wants to shop over the Internet, can make the purchase via the e-mail address. enters the trade site (2), comes to the page of the products or services to be purchased, adds it to the cart and comes to the payment tool selection page of the e-commerce site (101). On the payment instrument selection page, with the crypto money listed along with other payment instruments chooses the payment option and which crypto currency to pay with. At this stage Cryptocurrency types that the user can choose, cryptocurrencies traded on the exchange site (3) must be one of its kind. User's option to pay with cryptocurrency and payment After choosing the type of crypto currency to be made, the e-commerce site will select the exchange site it is integrated with. By connecting to the cryptocurrency trading order list service selected by the user, the total amount of the order to be paid, the crypto currency to be paid calculates the equivalent in terms of (102). Here is the instantaneous information about the relevant cryptocurrency on the exchange site. While the current value is calculated in local currency, 0 cryptocurrencies are traded The highest of the ready-made buyer, that is, market maker orders in the orders is checked. Like this current value of the relevant crypto currency in local currency exchange site, e-commerce site return over the service (103). The local currency of the e-commerce site related crypto currency the price of the product or service to be sold, crypto currency converts to gender. Exactly what the shopper now has in terms of the relevant cryptocurrency It has been determined that the amount of payment will be made and this amount is given to the user by the e-commerce site. displayed on the interface (104). E-commerce sites future cryptocurrency exchange service e-commerce within their own sites or when crypto currency exchange sites when you start doing; between these two different types of sites within the scope of the invention, communication and actions (103 and 104), also between different modules within the same site. it can happen. As a result of the customer who will make the payment find the price appropriate in crypto currency, the order completes the ordering process and creates his order. Once the order creation process is complete, information on which wallet address to pay the customer in the relevant crypto currency. is displayed (104). At this stage, the currently widely used crypto currency Address information where payment will be made to the user according to two different processes based on technology can be transmitted: If the respective cryptocurrency blockchain is sent, each time a cryptocurrency is sent, it will be added to the receiving address. If it allows to enter transaction details or transaction description data (For example: In the Ripple blockchain, each Ripple send has a destination in addition to the receiving address. tag information-Destionation Tag can also be entered.) User can enter this additional field, e-commerce site. Enters the unique order number created by Thus, the user Regarding the receiving address in the payment transaction information: "The e-commerce site's fixed wallet address that does not change + Unique Order Number” information.

Eger ilgili kripto para blok zinciri, kripto para transfer hareketinde alici adrese ek olarak ayrica bir açiklama alani içermeye izin vermiyorsa (Örn: Bitcoin blok zincirinde sadece alici adres bilgisi girilebilir.) bu durumda e-ticaret sitesi, bünyesindeki kullanicilarin her biri için üyelik asamasinda essiz bir cüzdan adresi olusturur. Bu cüzdan adreslerini yaratan ve kontrol eden e-ticaret sitesidir. Yani farkli siparisler için yapilan ödemelerin karismamasi için e-ticaret sitesindeki her bir kullanici için ayri essiz bir cüzdan adresi olusturulmustur. Böylece kullanicinin ödeme yaparken yaratacagi kripto para hareket bilgileri içinde alici adresle ilgili olarak: "E-ticaret sitesinin ödeme yapan her bir kullanicisi için önceden olusturmus oldugu essiz cüzdan adresi” bilgileri bulunur. Ödeme yapacagi kripto para miktarini ve ödeme yapilacak adres bilgilerini e-ticaret sitesi ekranindan ögrenen kullanici, kendi kripto para cüzdan (4) uygulamasina baglanir (105). If the relevant cryptocurrency blockchain is added to the receiving address in the cryptocurrency transfer transaction, Additionally, if it does not allow to include a description field (Ex: Bitcoin block only the recipient address information can be entered in the chain.) In this case, the e-commerce site, A unique wallet address at the membership stage for each of its users creates. This is the e-commerce site that creates and controls wallet addresses. well In order not to interfere with the payments made for different orders, each of the e-commerce sites A unique wallet address has been created for a user. Thus, the user regarding the receiving address in the crypto money movement information that will be created while making the payment. as: "Pre-created for each paying user of the e-commerce site. unique wallet address” information is found. The e-commerce site will provide the amount of crypto money to be paid and the address to be paid. The user, who learns from the screen, connects to his own cryptocurrency wallet (4) application (105).

Alici adres bilgisini, eger blok zincir izin veriyorsa islem açiklamasina siparis numarasini ve gönderilecek miktari cüzdan uygulamasina girerek yeni bir kripto para hareketi yaratir. Recipient address information, order number in the transaction description if the blockchain allows, and creates a new cryptocurrency movement by entering the amount to be sent into the wallet application.

Kripto para cüzdan uygulamasi bu yeni hareket bilgisini blok zincir (5) üzerine kendi iç isleyisine göre ekler (106). Islem yapilan blok zincir eger Bitcoin blok zinciri gibi tamamiyla dagitik bir mimarideyse bu yeni eklenen hareket, blok zincir üzerindeki madenciler tarafindan dogrulanir. Eger Ripple gibi yari dagitik bir mimarideyse, merkezi sunucu tarafindan bu yeni hareket dogrulanir. Sonuçta blok zincir mimarisine bagli olarak bu yeni kripto para hareketi dogrulanir ve gönderilen kripto para miktari alici adresin bakiyesine yansir (107). Cryptocurrency wallet application uses this new transaction information on the block chain (5) internally. Adds according to its function (106). If the blockchain where the transaction is made is completely like the Bitcoin blockchain, In a distributed architecture, this newly added movement is the miners on the blockchain. validated by If in a semi-distributed architecture like Ripple, the central server This new movement is verified by Ultimately, depending on the blockchain architecture, this new The cryptocurrency movement is verified and the amount of crypto money sent is transferred to the balance of the receiving address. reflect (107).

Bulus kapsaminda, e-ticaret sitesi üzerinde belirli zaman araliklarinda çalisacak sekilde önceden hazirlanmis bir servis, e-ticaret sitesinin tahsilat amaçli kullanacagi kendi sabit kripto para adresini veya her bir müsteri için tahsilat amaciyla önceden açilmis olan kripto para adreslerini kontrol eder (108). Bu kontrol servisi, kontrol listesindeki her bir adres için alacak yönünde gelen yeni kripto para hareketini tespit edince (109), bu hareketin gönderen kullanicisini blok zincir mimarisine göre belirler. Eger ödeme hareketi, islem açiklama detayi girilmesine izin verilen bir mimarideki blok zincir üzerinde yapildiysa, o zaman e-ticaret sitesi hareket bilgisi içinde yer alan siparis numarasindan hangi siparis için ödeme yapildigini tespit eder ve yapilan kripto para ödemesi ile ödeme bekleyen siparisi eslestirir. Eger üzerinde islem yapilan blok zincir, ek açiklama alanina izin verilmeyen bir yapidaysa, o zaman gönderim yapilan adres daha önceden e-ticaret sitesi tarafindan yaratilmis ve tek bir müsteriye atanmis demektir. Bu adres üzerinden e-ticaret sitesi hangi müsterinin gönderim yaptigini anlar ve o müsterinin ödeme bekleyen siparisi ile kripto para ödemesi eslestirilir. Bu asamada gönderilen kripto para miktari, gönderim masraflari çikarildiktan sonra tam olarak olusturulmus siparis tutari kadar olmalidir, aksi takdirde e- ticaret sitesi yapilan Ödemeyi kismi ödeme olarak ele alir. Ayrica ek açiklama alanina izin verilmeyen blok zincir tabanli kripto para ile ödeme kabul eden e-ticaret siteleri için müsterilerin daha önceden ödemesi tamamlanmamis aktif bir siparisi varsa, yeni bir siparis verilmesine izin verilmemelidir. Bu sartlar altinda kripto para ile ödemesi tamamlanan siparis, artik siparis veren müsteriye kargo ile gönderilmek için hazirdir. Within the scope of the invention, it will work on the e-commerce site at certain time intervals. a pre-prepared service, the e-commerce site's own fixed point that will be used for collection purposes. Cryptocurrency address or cryptocurrencies previously opened for collection for each customer checks money addresses (108). This check service, each address in the checklist When detecting the new crypto money movement in the direction of credit for (109), this movement determines the sender user according to the blockchain architecture. If the payment transaction if it is made on a blockchain in an architecture where disclosure detail is allowed, then that For which order from the order number in the time e-commerce site transaction information. It detects that the payment has been made and the order is waiting for payment with the crypto money payment made. it matches. If the blockchain being transacted is an annotation field where the annotation field is not allowed. if it is in the structure, then the shipping address has been previously determined by the e-commerce site. created and assigned to a single customer. Which e-commerce site from this address understands that the customer has sent, and with that customer's order pending payment, crypto money payment is matched. The amount of crypto money sent at this stage, shipping costs It must be exactly the amount of the created order after subtraction, otherwise the e- The trading site treats the Payment made as a partial payment. Also allow annotation field For e-commerce sites that accept payments with blockchain-based cryptocurrencies that are not provided If customers have an active order that has not been paid for before, a new Ordering should not be allowed. Payment with cryptocurrencies under these conditions The completed order is now ready to be sent by cargo to the customer who placed the order.

Sanayiye Uygulanmasi: Günümüzde Türkiye'de faaliyet gösteren pek çok e-ticaret sitesi (hepsiburada.com, n11.com, trendyol.com, vb.) bulunmaktadir. Ayrica son birkaç yilda kripto paralarin dünya ve Türkiye genelinde yayginlasmasiyla, Türk Lirasi ile alim satim yapilan pek çok kripto para takas sitesi (Paribu.com, BTCTurk.com, Koinim.com, Bitexen.com vb.) de faaliyetlerine baslamistir. Özellikle takas sitelerinin pek çogu kendi müsterilerinin güncel bakiye verilerine ve alim satim emir listelerine hizli bir sekilde ulasabilmeleri için, bu verileri uygulama programlama arayüzleri (API) üzerinden yayinlamaktadirlar. Yani halihazirda bu takas sitelerinin çogu için uygulama programlama arayüzleri mevcuttur. Application to Industry: Today, many e-commerce sites operating in Turkey (hepsiburada.com, n11.com, trendyol.com, etc.). In addition, in the last few years, the world of cryptocurrencies and with its spread throughout Turkey, many cryptocurrencies traded in Turkish Lira money exchange site (Paribu.com, BTCTurk.com, Koinim.com, Bitexen.com etc.) started its activities. In particular, many of the exchange sites provide up-to-date information about their customers. so that they can quickly access their balance data and trading order lists. They broadcast data over application programming interfaces (APIs). well APIs for most of these exchanges already exist.

Büyük hacimli e-ticaret sitelerinin ise pek çok banka ile ödeme altyapisi entegrasyonu yaptigi bilinmektedir. Bu durumda, üzerinde çalismaya baslandiginda, kripto para takas sitelerinin mevcutta bulunan uygulama programlama arayüzleri ile, e-ticaret sitelerinin ödeme altyapilari hizli bir sekilde entegre edilebilir. Payment infrastructure integration of large-volume e-commerce sites with many banks known to do. In this case, when working on it, the cryptocurrency exchange with the existing application programming interfaces of the e-commerce sites. payment infrastructures can be integrated quickly.

Tarif edildigi üzere, bulusun yeni bir ödeme sistemi olarak kullanilmasinda teknik bir engel yoktur, ancak ülkemizde herhangi bir finansal aracin, ödeme araci olarak kullanilabilmesi için bu konuda regülatör kurum olan Bankacilik Düzenleme ve Denetleme Kurumu (BDDK) tarafindan onaylanmasi gerekmektedir. BDDK'nin 25 Kasim 2013'de yaptigi bir açiklama1 ile, en popüler ve en çok kullanilan blok zincir tabanli Bitcoin kripto parasinin, 6493 sayili ”Ödeme ve Menkul Kiymet Mutabakat Sistemleri, Ödeme Hizmetleri ve Elektronik Para Kuruluslari Hakkinda Kanun” kapsaminda olmadigini ve elektronik para olarak degerlendirilmedigi belirtilmistir. Ancak 2013 yilindan bugüne Bitcoin ve diger blok zincir tabanli kripto paralarin kullanim alani çok daha fazlalasmis ve pek çok yeni teknik gelisme yasanmistir. Bu gelismeler üzerine Türkiye Cumhuriyeti Merkez Bankasi (TCMB) yetkilisi tarafindan Ekim ve TCMB'nin katilimiyla bir blockchain çalisma grubu olusturuldugu duyurulmustur. As described, a technical barrier to using the invention as a new payment system However, in our country, any financial instrument can be used as a payment instrument. Banking Regulation and Supervision Agency (BDDK), which is the regulatory body for must be approved by A statement made by the BRSA on November 25, 20131 6493 of the most popular and widely used blockchain-based Bitcoin cryptocurrency. ”Payment and Securities Settlement Systems, Payment Services and Electronic Money It is not within the scope of the “Law on Organizations” and as electronic money. has not been evaluated. However, since 2013, Bitcoin and other blockchain The usage area of based cryptocurrencies has become much more and many new technical developments have been developed. has been made. Upon these developments, the Central Bank of the Republic of Turkey (CBRT) official by October and It has been announced that a blockchain working group has been formed with the participation of the CBRT.

Yetkili kurumlar tarafindan mevzuat açisindan gerekli düzenlemelerin yapilmasi neticesinde, satici ve alici arasindaki etkilesimi daha hizli hale getiren, ödemeyi kolaylastiran ve satin alma sürecindeki aracilari (bankalar, sanal pos entegratörleri, kredi karti kurumlari vb.) azaltarak hem alici hem de satici üzerindeki komisyon yükünü azaltan blok zincir tabanli kripto para ile ödeme platformu; sanayiye uygulanmasi durumunda hizlica kabul görecektir.Making necessary arrangements in terms of legislation by authorized institutions As a result, it makes the interaction between the seller and the buyer faster, facilitating and purchasing agents (banks, virtual pos integrators, credit card institutions, etc.), which reduces the commission burden on both the buyer and the seller. blockchain-based cryptocurrency payment platform; if applied to industry will be readily accepted.

Claims

ISTEMLER Bulus is an online payment method that includes Shopper Customer (1), E-Commerce Site (2), Cryptocurrency Exchange (3), Cryptocurrency Wallet Application (4) and Blockchain (5). (1), accessing the payment tool selection page on the payment page as a result of logging into the mobile / website (2) of the e-commerce site of which he is a member and integrated into the system, and choosing the product / service to be purchased (101) E-commerce site (2) crypto Connecting to the money exchange site (3) (102), determining the value of the crypto money to be paid in local currency according to the best crypto money purchase price on the exchange site at the time of order and transmitting this value to the e-commerce site (2) (103) 3) as a result of determining the value in local currency, the value of the product / service to be sold by the e-commerce site (2) is calculated in the relevant crypto currency and this calculated amount is sent to the customer (1) on the interface of the e-commerce site. (104) When the customer, who learns how much he will pay for his order in crypto currency, (1) completes his order, and sends the information to which crypto money address he will make the payment (104) The customer who learns the amount of crypto money to pay and the details of the crypto money address, logging into the crypto money wallet application (4) and giving a payment order (105) The crypto currency wallet application (4) creates a new money movement on the associated blockchain (5), based on the customer's payment instruction (106) The crypto money architecture used According to its operation, the confirmation of the new crypto money movement created on the block chain and the reflection of the sent crypto money amount to the payee address balance (107) A service created within the e-commerce site, the fixed crypto money address used by the e-commerce site for the collection of receivables, or for each of the customers. certain time to the unique crypto money addresses it creates. It is characterized by the steps (109) to check whether there are new incoming transfers, that is, receivable transactions, by connecting between the intervals (108) - In case of new creditor transactions coming to the control service over the blockchain, these new transactions are matched with the existing orders pending payment (109).

2. It is a blockchain-based payment system as in claim 1, the feature of which is the communication between the e-commerce site and the cryptocurrency exchange site if the e-commerce site (2) and the cryptocurrency exchange site (3) are under the same site / company. and that it has a flow where actions 102 and 103 are completed within the same site operation.

3. It is a blockchain-based payment system as in Claim 1, whereby the blockchain is constantly checked and the payments made to the crypto money address of the e-commerce site (2) on the fixed blockchain with the order number information or for each customer pre-created on the blockchain. payments to unique cryptocurrency addresses; It has a service / function that matches the order information pending payment within the e-commerce site.