WO2018169122A1

WO2018169122A1 - Integrated management system for virtual currency, domestic management system, and integrated management method for same

Info

Publication number: WO2018169122A1
Application number: PCT/KR2017/004269
Authority: WO
Inventors: 한준성; 김경호; 박정운; 손민근; 김경태; 차상도; 전윤서; 이승우; 최현우; 김경은; 박회진; 김미현; 여영석; 임동근; 김인화; 하왕현
Original assignee: 주식회사 하나은행
Priority date: 2017-03-14
Filing date: 2017-04-21
Publication date: 2018-09-20
Also published as: KR20180104989A

Abstract

An integrated management system, according to one embodiment of the present invention, is an integrated management system for managing a virtual currency when a customer uses the virtual currency issued or managed by a management system of a first country to perform purchasing activity with a seller partnered with a management system of a second country. The integrated management system comprises: a payment processing unit for processing a payment process with respect to a payment authorization request from the management system of the second country; and an account settlement unit for receiving an account settlement request from the management system of the second country and transmitting the account settlement request to the management system of the first country.

Description

Integrated management system of virtual currency, domestic management system and its integrated management method

The present invention relates to an integrated management system of virtual currency, a domestic management system, and a method for integrated management thereof.

Network-type electronic money, which can be identified by a computer, is distinguished from existing real money concepts and is called virtual money. Such virtual money can be given value according to the rules set by the subject, and it can be used to trade goods and exchange money, and can also be exchanged for real money.

These virtual currencies are created by a specific person and distributed through a network, so-called bitcoins and goods or services such as goods and services, and then the seller or provider who provides the means of payment to the buyer who bought the goods or services Rewards include points or miles earned as a percentage of the purchase price.

Such a virtual currency may not be used by a user who is unfamiliar with the virtual currency because they do not know or know the virtual currency owned by the user. In the case of points, the expiration date has expired and sometimes disappeared. In addition, points may not be used smoothly because the points can only be used when dealing with the operator who earned the points.

On the other hand, in the past, the operation and utilization of the financial system was made only within the country, but as the global financial environment is created, financial transactions are smoothly performed in different countries. However, at present, virtual currency can only be used in a specific country where the user belongs, which limits the way it can be used. Therefore, there is a need for an integrated management system that can freely exchange and use domestic points earned in Korea and overseas points earned abroad by interworking virtual currency systems of each country.Furthermore, all virtual currencies including points are freely traded internationally. Support is required.

The technical problem to be achieved by the present invention is to provide a system that supports freely to cross the domestic virtual currency generated in Korea and the virtual currency generated abroad, and to support the settlement process between each operator.

The integrated management system according to an embodiment of the present invention manages the virtual currency when a customer makes a purchase activity with a seller affiliated with the second station management system using a virtual currency issued or managed by the first station management system. An integrated management system, comprising: a payment processing unit that processes a payment process for a payment approval request from the second station management system, and receives a settlement request from the second station management system, and transmits a settlement request to the first station management system. It includes a settlement processing unit.

The payment processing unit may complete the ledger bookkeeping after the payment approval is completed, and transmit a ledger bookkeeping instruction to the first station management system and the second station management system.

The first station management system may settle the settlement amount in real currency to the second station management system.

It may further include a purchase management unit for providing information on the goods or services that the seller intends to sell to the customer terminal and processing the purchase process.

The apparatus may further include a deposit management unit configured to manage a deposit received from the first station management system or the second station management system.

The deposit management unit may further include a designated currency issuing unit that issues a designated currency for the first station management system or the second station management system in response to the deposit received.

The first station management system may settle the settlement amount to the designated currency to the second station management system.

The designated currency issuing unit may process the selling or buying of the designated currency at the request of the first station management system or the second station management system.

The virtual currency is a currency generated according to a rule set by a specific person and recognized from the integrated management system, and a schedule of a purchase amount as a reward for purchase activity to a customer who purchases a product or service by a seller or a provider who provides a payment method. It may include points or miles earned at a rate.

The payment processing unit may transmit a payment condition query to the first country management system and transmit whether to approve payment to the second country management system according to the result.

If the customer uses the virtual currency issued or managed by the management system of another country to purchase with the seller affiliated with him, the transaction management unit receives the payment approval request from the seller and approves the payment, and integrates the virtual currency. It may include a settlement processing unit for transmitting a settlement request according to the payment approval to the management system.

The settlement processing unit may be settled using real money from the management system of the other country.

The transaction manager may perform a ledger book according to the payment approval.

The system may further include a designated money management unit configured to transmit a deposit to the integrated management system and receive and manage a designated currency corresponding to the deposit.

The settlement processing unit may be settled using the designated currency from a management system of the other country.

The integrated management system may be asked to sell or buy the designated currency.

In the integrated management method according to another embodiment of the present invention, the integrated management system for managing virtual money is a purchase activity performed by a seller affiliated with a second country management system using a virtual currency issued or managed by the first country management system. And receiving a payment approval request from the second station management system as the second station management system receives a payment approval request from the seller. Inquiring and performing a settlement approval according to the result, receiving a settlement request from the second station management system, and transmitting a settlement request to the first station management system.

After performing the payment approval, the method may include processing a ledger book for the payment approval, and transmitting a ledger book instruction to the first management system and the second management system.

The method may further include receiving a deposit from the first station management system or the second station management system.

In response to the deposit received by the deposit management unit, issuing a designated currency for the first station management system or the second station management system.

The settlement between the first station management system and the second station management system may be made of real currency or the designated currency.

And processing the selling or buying of the designated currency at the request of the first station management system or the second station management system.

According to the present invention, a user can freely use internationally the virtual currency issued and generated by different operators in different countries, and support a settlement procedure between each operator to operate a virtual currency system suitable for an international environment. It can increase the convenience of customers for the use of virtual currency.

1 is a block diagram of an environment in which an integrated management system operates according to an embodiment of the present invention.

2 is a block diagram of an integrated management system according to an embodiment of the present invention.

3 is a block diagram of a domestic management system according to an embodiment of the present invention.

4 is a flowchart of a virtual money management method according to an embodiment of the present invention.

5 is a flowchart illustrating a virtual currency management method according to another embodiment of the present invention.

DETAILED DESCRIPTION Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art may easily implement the present invention. As those skilled in the art would realize, the described embodiments may be modified in various different ways, all without departing from the spirit or scope of the present invention. In the drawings, parts irrelevant to the description are omitted in order to clearly describe the present invention, and like reference numerals designate like parts throughout the specification.

Throughout the specification, when a part is said to "include" a certain component, it means that it can further include other components, without excluding other components unless specifically stated otherwise. In addition, the terms “… unit”, “… unit”, “module”, etc. described in the specification mean a unit that processes at least one function or operation, which may be implemented by hardware or software or a combination of hardware and software. have.

The integrated management system and the integrated management method according to an embodiment of the present invention will be described in detail with reference to the drawings.

Referring to FIG. 1, the integrated management system 100 is a server that integrates and manages a plurality of virtual currencies issued in each of a plurality of countries in a plurality of different countries. The integrated management system 100 communicates with the domestic management system 200 of each country and performs the ledger description management and settlement processing between the countries for payment approval details. To this end, the integrated management system 100 may provide a user interface for performing inquiry, exchange, use, and payment for virtual currency.

The domestic management system 200 enters into a contract with a seller 300 existing in a corresponding country in each of a plurality of countries, and performs a payment approval procedure for purchase activities between the seller terminal 300 and a customer (not shown), It is a server that handles the settlement between countries according to the domestic management system 200 and payment of other countries through the integrated management system (100). The domestic management system 200 includes a first station management system 201, a second station management system 202, and a third station management system 203 that manage different first, second, and third stations, respectively. It includes.

The seller terminal 300 exists in a country managed by the domestic management system 200, and is used by a person who provides goods or services to a customer. The seller terminal 300 makes a contract with the domestic management system 200 and provides a product or a service to a customer by using virtual money as a payment price, and approves and setstles a purchase price payment for the virtual money from the domestic management system 200. Take care of it. The seller terminal 300 may be, for example, a bank 301 providing a financial service, a coupon agency 302 for issuing and selling a coupon which is a kind of virtual currency, and an offline or online merchant 303 for selling a product to a customer. And the like.

In this case, the virtual currency is a currency generated in each country and implemented in a network manner, and includes a currency generated according to a rule determined by a specific person and recognized from the integrated management system 100 or the domestic management system 200. In addition, virtual currency includes points or miles earned by a seller or a provider who provides a payment method as a reward for a purchase activity to a buyer who purchased a product or service as a percentage of the purchase amount. Points or miles are not only earned as a result of purchasing activities, but may also be retained by customers as needed.

The customer terminal 400 accesses a web page provided by the integrated management system 100 or the domestic management system 200 through a network, or has a customer who has virtual currency acquired through various paths, or with a seller terminal 300. A device that communicates. The customer terminal 400 may include, for example, various computers including tabs and notebooks, personal digital assistants (PDAs), mobile communication terminals including smartphones, and televisions (televisions, TVs). Can be used.

Now, the integrated management system will be described in detail with reference to FIG. 2.

Referring to FIG. 2, the integrated management system 100 includes a purchase manager 110, a payment processor 120, a settlement processor 130, a deposit manager 140, and a designated currency issuer 150.

The purchase management unit 110 provides the customer terminal 400 with information on a product or service that the seller wants to sell, and requests the customer terminal 400 for information necessary for purchase to process the purchase process. At this time, the purchase is made when the customer terminal 400 holding the virtual currency managed by the first station management system 201 managing the first station is contracted with the second station management system 202 managing the second station. For example, purchasing goods or services from sellers in two countries.

The payment processing unit 120 receives a payment approval request from the second station management system 202 and processes a payment process. For example, the payment processing unit 120 may inquire the purchase condition of the customer terminal 400 through the first station management system 201 or perform a validity check on the virtual currency held by the customer terminal 400. have.

In addition, the payment processing unit 120 processes the ledger book after the payment approval is completed, and transmits the ledger book instructions to the related domestic management system 200. That is, for example, the payment processing unit 120, the first terminal management system 201 and the second station management system 202 when the customer terminal 400 purchases goods or services of the seller of the second country and the payment is completed. ) Can be directed to the ledger.

When the settlement processing unit 130 receives the settlement request from the domestic management system 202 of the second country, the settlement processing unit 130 transmits the settlement request to the domestic management system 201 of the first country according to the ledger captain. In this case, the settlement may be processed in cash, which is a general currency used in general, or in a designated currency generated by an integrated management system. The designated currency will be described again.

The deposit management unit 140 manages the deposit of the domestic management system 200. That is, the deposit is received from the domestic management system 200 and deposited in a dedicated account, and the domestic management system 200 informs the status of the deposit according to the inquiry request. In addition, the deposit management unit 140 may return the deposit if necessary at the request of the domestic management system 200. The deposit is the real currency generally used.

If the deposit management unit 140 receives a deposit from the domestic management system 200, the designated money issuing unit 150 issues a designated currency for the domestic management system 200 in response to the deposit. The designated currency is a currency concept generated by the integrated management system 100 and is a currency used for settlement between domestic management systems 200 in a system managed by the integrated management system 100. The designated currency issuing unit 150 may process the selling or buying of the designated currency at the request of the first station management system 201 or the second station management system 202.

Meanwhile, the integrated management system 100 may support exchange and remittance procedures according to a request of a customer for different virtual currencies issued and managed by each of the different domestic management systems 200.

Now, the domestic management system 200 will be described in detail with reference to FIG. 3.

Referring to FIG. 3, the domestic management system 200 includes a transaction manager 210, a settlement processor 220, and a designated currency manager 230.

The transaction management unit 210 may be provided from the seller terminal 300 when the customer terminal 400 having a virtual currency managed by the domestic management system 200 of another country has purchased activities with the seller terminal 300 associated with it. Receive a payment authorization request and process payment authorization. In this case, the payment approval may be reviewed for the validity of the virtual currency of the customer from the domestic management system 200 of another country through the integrated management system 100. The transaction management unit 210 manages the ledger by performing the ledger book according to the instructions of the integrated management system 100 after payment approval.

The settlement processing unit 220 transmits a settlement request according to the payment approval to the integrated management system 100 according to the contents of the ledger book managed by the transaction management unit 210. And the settlement is received in such a way that the payment of payment from the domestic management system 200 of another country. In this case, the settlement may be made of real currency or designated currency.

The designated currency management unit 230 transmits a deposit to the integrated management system 100 and receives and manages a designated currency corresponding to the deposit. The designated currency may be used in settlement with the domestic management system 200 of another country. The designated currency management unit 230 records and manages the current balance of the designated currency and the history of use, and may process the requested currency for sale or the purchase of the designated currency from the integrated management system 100 when there is insufficient or overholding. have.

Now, a virtual money management method according to another embodiment of the present invention will be described in detail.

In FIG. 4, the customer terminal 400 managed by the first station management system 201 in the first station purchases a product or service of a seller who is affiliated with the second station management system 202 in the second station. An example of a case is demonstrated. That is, when the customer has a virtual currency issued by the first country management system 201 or managed by the first country management system 201, the purchase activity with the seller of the second country may be performed using the virtual money. If it is.

Referring to FIG. 4, when the customer terminal 400 performs a purchase activity with the seller terminal 300 of the second station, the second station management system 202 receives a payment approval request from the seller terminal 300. (S410).

Then, the second station management system 202 completes payment approval in cooperation with the integrated management system 100 and the first station management system 201 (S420). At this time, the first station management system 201 may perform a review on whether the customer holds the virtual currency above the purchase amount and the validity of the virtual currency, and transmit the result of the review to the second station management system 202.

When the payment approval is completed, the integrated management system 100 processes the transaction book ledger according to the payment approval result (S430). In addition, the integrated management system 100 transmits a ledger instructing instruction to the first station management system 201 and the second station management system 202 (S440).

Then, the first station management system 201 and the second station management system 202 process the ledger badge, respectively (S451 and S452).

The second station management system 202 transmits a settlement request to the integrated management system 100 for the payment approval amount according to the contents of the ledger book (S460). Then, the integrated management system 100 transmits a settlement request to the first station management system 201 (S470).

The first station management system 201 deducts virtual currency such as points from the customer account, and exchanges it (S480).

Subsequently, the first station management system 201 performs a settlement process by transferring the exchange amount to the second station management system 202 (S490). In this case, the exchange processing and the amount transfer may be directly performed by the first country management system 201 or through a linked financial institution, and the second country management system 202 may also receive the amount directly or through an associated financial institution. have.

Referring to FIG. 5, the first station management system 201 transmits a request for issuing a designated currency to the virtual currency integrated management system 100 (S510). Then, the virtual currency integrated management system 100 requests a deposit deposit from the first station management system 201 (S511), and the first station management system 201 transmits a deposit to the virtual currency integrated management system (S512). .

The virtual currency integrated management system 100 deposits a deposit and issues a designated currency corresponding to the first station management system 201 (S520). Then, the issued designated currency is notified to the first station management system 201 (S521).

Subsequently, when the customer makes a purchase from the seller of the second country as shown in FIG. 4, the seller of the second country transmits a payment request to the second station management system 202 (S410). The second station management system 202 completes payment approval in cooperation with the integrated management system 100 and the first station management system 201 (S420). When payment approval is completed, the integrated management system 100 processes the transaction contents in the ledger according to the payment approval result (S430), and the integrated management system 100 is the first station management system 201 and the second station management system. In operation S440, the command is sent to the ledger instructor. Then, the first station management system 201 and the second station management system 202 process the ledger badge, respectively (S451 and S452). The second station management system 202 transmits a settlement request to the integrated management system 100 for the payment approval amount according to the contents of the ledger book (S460). Then, the integrated management system 100 transmits a settlement request to the first station management system 201 (S470). The first station management system 201 subtracts a virtual currency such as a point from a customer account (S530), and completes a settlement by transmitting a designated currency corresponding to the virtual currency to the second station management system 202 (S530). ). For example, the settlement can be performed by deducting the designated currency balance recorded for the first station management system 201 and increasing the designated currency balance recorded for the second station management system 202. In the case of settlement using designated currency as shown in FIG. 5, the settlement process can be made more freely with the designated currency that is promised and used without the need for an exchange process between countries.

As such, the virtual currency issued or managed by the first country management system 201 can be freely used by a second country, which is a different country, so that a customer can operate a virtual money system suitable for an international environment. It can increase the convenience of customers.

In addition, the integrated management system 100 manages the settlement process between the first station management system 201 and the second station management system 202, and the first station management system 201 and the second station management system 202. The adoption of a distributed ledger system, in which all ledgers record and manage ledgers, can support a secure and clear settlement process.

In addition, it is possible to secure transparency in foreign exchange transactions made in the system managed by the integrated management system 100, and increase foreign exchange income in international transactions by activating swap transactions.

The embodiments of the present invention described above are not only implemented through the apparatus and the method, but may be implemented through a program for realizing a function corresponding to the configuration of the embodiments of the present invention or a recording medium on which the program is recorded. Such a recording medium can be executed not only in the server but also in the user terminal.

Although the embodiments of the present invention have been described in detail above, the scope of the present invention is not limited thereto, and various modifications and improvements of those skilled in the art using the basic concepts of the present invention defined in the following claims are also provided. It belongs to the scope of rights.

Claims

An integrated management system that manages the virtual currency when the customer uses the virtual currency issued or managed by the first country management system to purchase with the seller affiliated with the second country management system.

A payment processing unit that processes a payment process for a payment approval request from the second country management system, and

A settlement processing unit for receiving a settlement request from the second station management system and transmitting a settlement request to the first station management system.

Integrated management system comprising a.
In claim 1,

The payment processing unit,

After completing the payment approval, complete the ledger book, and send the ledger book instructions to the first station management system and the second station management system.

Integrated management system.
In claim 1,

The first station management system may settle the settlement amount in real currency to the second station management system.

Integrated management system.
In claim 1,

Purchase management unit that provides information about the goods or services that the seller intends to sell to the customer terminal and processes the purchasing process

Integrated management system further comprising.
In claim 1,

Deposit management unit for managing the deposit received from the first station management system or the second station management system.

Integrated management system further comprising.
In claim 5,

A designated currency issuing unit that issues a designated currency for the first station management system or the second station management system in response to the deposit received by the deposit management unit;

Integrated management system further comprising.
In claim 6,

The first station management system is configured to settle the settlement amount in the designated currency to the second station management system.

Integrated management system.
In claim 6,

The designated currency issuing unit,

Processing the sale or purchase of the designated currency at the request of the first station management system or the second station management system;

Integrated management system.
In claim 1,

The virtual currency,

Money generated according to the rules set by a specific person and recognized from the integrated management system, and

Points or miles earned by a seller or a provider of payments as a reward for purchase activity as a reward for purchasers of goods or services

Integrated management system comprising a.
In claim 1,

The payment processing unit transmits a payment condition inquiry to the first country management system and transmits whether to approve payment to the second country management system according to the result.

Integrated management system.
A transaction management unit that receives and approves a payment approval request from a seller when a customer uses a virtual currency issued or managed by a management system of another country to purchase a transaction with a seller affiliated with the customer; and

Settlement processing unit for transmitting the settlement request according to the payment approval to the integrated management system for the virtual currency

Domestic management system comprising a.
In claim 11,

The settlement processing unit,

Settled using real money from the management system of the other country

Domestic management system.
In claim 11,

The transaction management unit,

According to the payment approval details to perform the ledger book

Domestic management system.
In claim 11,

Designated money management unit that transmits a deposit to the integrated management system and receives and manages a designated currency corresponding to the deposit

Domestic management system comprising more.
The method of claim 14,

The settlement processing unit,

Settled using the designated currency from the management system of the other country

Domestic management system.
The method of claim 14,

Requesting the integrated management system to sell or buy the designated currency.
An integrated management system for managing virtual money is a method for managing purchase activities with sellers affiliated with a second country management system using virtual money issued or managed by the first country management system.

Receiving a payment approval request from the second station management system as the second station management system receives a payment approval request from the seller;

Inquiring a payment approval condition from the first country management system and performing payment approval according to a result;

Receiving a settlement request from the second station management system, and

Transmitting a settlement request to the first station management system;

Integrated management method comprising a.
The method of claim 17,

After performing the payment authorization,

Processing a ledger entry for the payment authorization; and

Transmitting a ledger ledger instruction to the first management system and the second management system;

Integrated management method comprising a.

Integrated management method.
The method of claim 17,

Receiving a deposit from the first station management system or the second station management system;

Integrated management system further comprising.
The method of claim 19,

Issuing a designated currency for the first station management system or the second station management system in response to the deposit received by the deposit management unit;

Integrated management method further comprising.
The method of claim 20,

The settlement between the first station management system and the second station management system consists of real currency or the designated currency.

Integrated management method
The method of claim 20,

Processing the sale or purchase of the designated currency at the request of the first station management system or the second station management system;

Integrated management method further comprising.
The method of claim 17,

The virtual currency,

Money generated according to the rules set by a specific person and recognized from the integrated management system, and

Points or miles earned by a seller or a provider of payments as a reward for purchase activity as a reward for purchasers of goods or services

Integrated management method comprising a.