WO2018169124A1 - Integrated management system using virtual currency, domestic management system, and integrated management method - Google Patents

Integrated management system using virtual currency, domestic management system, and integrated management method Download PDF

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Publication number
WO2018169124A1
WO2018169124A1 PCT/KR2017/004271 KR2017004271W WO2018169124A1 WO 2018169124 A1 WO2018169124 A1 WO 2018169124A1 KR 2017004271 W KR2017004271 W KR 2017004271W WO 2018169124 A1 WO2018169124 A1 WO 2018169124A1
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WO
WIPO (PCT)
Prior art keywords
management system
payment
card
virtual currency
request
Prior art date
Application number
PCT/KR2017/004271
Other languages
French (fr)
Korean (ko)
Inventor
한준성
김경호
박정운
손민근
김경태
차상도
전윤서
이승우
최현우
김경은
박회진
김미현
여영석
임동근
김인화
하왕현
Original Assignee
주식회사 하나은행
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Publication of WO2018169124A1 publication Critical patent/WO2018169124A1/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/381—Currency conversion
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0226—Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/04—Billing or invoicing
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Definitions

  • the present invention relates to an integrated management system, a domestic management system and an integrated management method using virtual currency.
  • Network-type electronic money which can be identified by a computer, is distinguished from existing real money concepts and is called virtual money.
  • 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.
  • 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.
  • the expiration date has expired and sometimes disappeared.
  • points may not be used smoothly because the points can only be used when dealing with the operator who earned the points.
  • the technical problem to be achieved in the present invention is to support the freely available to cross the domestic virtual currency generated in Korea and the virtual currency generated in foreign countries, in particular by using the virtual currency held by the customer to exchange the currency of other countries It is to provide a system that can register and use a prepaid card and a system that supports the settlement process between each operator.
  • the integrated management system manages the virtual money when a customer makes a purchase activity with a seller affiliated with the second country management system using the virtual money issued or managed by the first country management system.
  • An integrated management system comprising: a card registration unit configured to receive a registration request from a customer terminal for a card issued by the second station management system and to register and receive a payment approval request for payment using the card from the second station management system.
  • a payment processing unit for receiving payment confirmation from the first station management system to approve payment
  • 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.
  • the card may include an anonymous prepaid card.
  • 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 payment validity check may include an inquiry about at least one of the balance of the virtual currency held by the customer terminal, the balance of the real currency in which the virtual currency is exchanged, or the trading restriction of the virtual currency.
  • the first station management system may settle the settlement amount in real currency to 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 domestic management system when a customer uses a virtual currency issued or managed by a management system of another country to purchase with a seller affiliated with the customer, issues a card for the customer to purchase.
  • the customer terminal may further include a currency exchange processing unit for converting and recording the virtual currency held by the customer terminal in a currency designated by the customer terminal.
  • the settlement processing unit may be settled using real money from the management system of the other country.
  • the payment processing unit may perform a ledger book according to the payment approval.
  • the payment processing unit may receive the payment validity confirmation for the virtual currency held by the customer terminal from the first station management system through the integrated management system to perform the payment approval.
  • 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 card may include an anonymous prepaid card.
  • the card may be used after being registered in the integrated management system at the request of the customer terminal.
  • a virtual money integrated management method includes an integrated management system for managing virtual money, a seller and a customer affiliated with a second country management system using virtual money issued or managed by the first country management system.
  • CLAIMS What is claimed is: 1. A method of managing the virtual currency for purchase activities performed between the steps of: receiving a registration request for a card issued by the second station management system for use in payment for the purchase from the customer terminal; Processing a registration for the second station management system and notifying the second station management system; receiving a payment approval request from the second station management system for purchase activity between the customer and the seller using the card; Transmitting the settlement approval to the station management system, the settlement request from the second station management system Receiving a, and a step of sending a settlement request to the management system the first station.
  • After receiving the payment approval request from the second station management system may further comprise the step of requesting the first station management system check the payment validity for the virtual currency held by the customer terminal.
  • the method may further 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 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 card may include an anonymous prepaid card.
  • the currency of another country can be exchanged and the prepaid card can be registered and used in the corresponding country, thereby supporting the settlement process between each operator.
  • FIG. 1 is a block diagram of an environment in which an integrated management system operates according to an embodiment of the present invention.
  • FIG. 2 is a block diagram of an integrated management system according to an embodiment of the present invention.
  • FIG. 3 is a block diagram of a domestic management system according to an embodiment of the present invention.
  • FIG. 4 is a flowchart of a virtual money management method according to an embodiment of the present invention.
  • FIG. 5 is a flowchart illustrating a virtual currency management method according to another embodiment of the present invention.
  • FIG. 1 is a block diagram of an environment in which an integrated management system operates according to an embodiment of the present invention.
  • 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.
  • 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, performs a payment approval procedure for a purchase activity between the seller terminal 300 and the customer terminal 400, and integrates them.
  • the management system 100 is a server that handles the settlement between countries according to the domestic management system 200 and payment of other countries.
  • 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.
  • 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.
  • 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.
  • 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.
  • FIG. 2 is a block diagram of an integrated management system according to an embodiment of the present invention.
  • the integrated management system 100 includes a card registration unit 110, a payment processing unit 120, and a settlement processing unit 130.
  • the customer terminal 400 holding the virtual currency managed by the first station management system 201 is contracted with the second station management system 202 for a second station which is a different country from the first station.
  • the second station management system 202 for a second station which is a different country from the first station.
  • the card registration unit 110 processes card registration when a customer acquires a card issued by the second station management system 202 and requests a registration of the customer terminal 400.
  • the card can take the form of an anonymous prepaid card.
  • the card registration unit 110 notifies the second station management system 202 that the card registration is completed after the card registration processing is completed.
  • the payment processing unit 120 receives a payment approval request from the second country management system 202 and asks the first country management system 201 to check the balance of the virtual currency for the customer and check whether the payment is possible. And transmits it to the second station management system 202. That is, the payment processing unit 130 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.
  • 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 130, 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.
  • the settlement processing unit 130 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.
  • 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.
  • FIG. 3 is a block diagram of a domestic management system according to an embodiment of the present invention.
  • the domestic management system 200 includes a currency exchange processor 210, a card issuer 220, a payment processor 230, and a settlement processor 240.
  • the exchange processor 210 exchanges the virtual currency held by the customer in the currency desired by the customer at the request of the customer terminal 400. At this time, the exchange is not actually provided to the customer in the real currency of the currency, but is performed as a process recorded in the account for the customer terminal 400. For example, when receiving a currency exchange request in dollars for a thousand points held by the customer terminal 400, the exchange rate is processed by, for example, $ 100 according to a predetermined exchange rate and recorded in the account of the customer.
  • the card issuing unit 220 issues and processes a card that can be used in a corresponding country when a customer having a virtual currency managed in another country wants to perform a purchase activity with a seller managed by the domestic management system 200.
  • the card may be a physical card in the form of an anonymous prepaid card.
  • the payment processor 230 requests a payment approval request from the seller terminal 300 when the customer terminal 400 having virtual currency managed by the domestic management system 200 of another country has made a purchase activity with a seller associated with it. Accept and process payment authorization.
  • the payment processing unit 230 may perform payment approval after the validation is completed by inquiring the integrated management system 100 of the check of the balance of the virtual account for the customer, the exchange check and the availability of the payment.
  • the payment processing unit 230 manages the ledger by performing the ledger in accordance with the instructions of the integrated management system 100 after payment approval.
  • the settlement processing unit 240 receives a settlement request for the settlement amount from the seller terminal 300 and transfers the settlement amount to the account of the seller terminal 300 to process the settlement.
  • the settlement processing unit 230 transmits a settlement request for the settlement amount according to the payment approval to the integrated management system 100 according to the contents of the ledger book managed by the payment processing unit 230.
  • the settlement is received in such a way that the payment of payment from the domestic management system 200 of another country.
  • the settlement may be made of real currency or designated currency.
  • FIG. 4 is a flowchart of a virtual money management method according to an embodiment of the present invention.
  • 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 a customer has a virtual currency issued by the first station management system 201 or managed by the first station management system 201, the purchaser and the purchaser of the second country can use the virtual currency.
  • a customer has a virtual currency issued by the first station management system 201 or managed by the first station management system 201, the purchaser and the purchaser of the second country can use the virtual currency.
  • the virtual currency issued by the first station management system 201 or managed by the first station management system 201
  • the customer terminal 400 transmits a currency exchange request to the first station management system 201 in a designated currency for at least some of the virtual currency held by the customer (S410).
  • the first station management system 201 converts the virtual currency into the corresponding currency for the amount requested by the client terminal 400 (S420).
  • the exchanged amount is not provided to the customer in real, but the account for the customer is recorded.
  • the exchange rate is determined according to the exchange rate determined by the first management system 201.
  • the customer then acquires a card issued and distributed by the second station management system 202.
  • a customer may visit a second country and obtain a card at a variety of accessible places, such as an airport, a convenience store, and a newsstand in the second country.
  • the customer terminal 400 transmits a registration request for the acquired card to the integrated management system 100 (S430).
  • the customer terminal 400 may transmit the card information recorded on the card to the integrated management system 100.
  • the integrated management system 100 registers the card with respect to the customer terminal 400 (S440).
  • the integrated management system 100 notifies the second station management system 202 of the registration completion result of the customer terminal 400 for the card (S450).
  • the integrated management system 100 processes the ledger ledger (S460), and transmits the ledger ledger instruction to the first station management system 201 and the second station management system 202 (S461, S462).
  • the first station management system 201 and the second station management system 202 then complete the ledger bookkeeping process (S463 and S464).
  • the contents of the ledger are booked with card information. For example, customer information, card number and domestic management system information that issued the card may be listed.
  • FIG. 5 is a flowchart illustrating a virtual currency management method according to another embodiment of the present invention.
  • a customer who completes card registration as shown in FIG. 4 requests a payment by purchasing goods or services from a seller and presenting a registered card. That is, the seller terminal 300 receives a payment request using a registration card from a seller, a customer, or a customer terminal 400 (S510).
  • the seller terminal 300 transmits the card information and payment information, etc. to the second station management system 202 and transmits a payment approval request (S520).
  • the second station management system 202 transmits a payment approval request to the integrated management system 100 (S521).
  • the integrated management system 100 transmits a payment condition check query for the virtual currency held by the corresponding customer terminal 400 to the first station management system 201 (S530).
  • a payment condition check query for the virtual currency held by the corresponding customer terminal 400 to the first station management system 201 (S530).
  • the integrated management system 100 such as whether or not to limit the virtual currency that can be used for payment may make a payment validity query of the virtual currency.
  • the first station management system 201 transmits an answer to the payment condition inquiry to the integrated management system 100 (S531).
  • the integrated management system 100 transmits a payment approval to the second station management system 202 when there is no problem in the settlement as a result of the answer of the first station management system 201 (S540).
  • the second station management system 202 transmits the payment approval to the seller terminal 30 (S541).
  • the seller delivers the purchased goods or services to the customer, and the seller terminal 300 processes the payment and completes the sale (S550).
  • the integrated management system 100 registers the payment contents according to the payment approval (S560), and transmits the ledgerbook instruction to the first and second station management systems 201 and 202 (S561 and S562).
  • the first station and second station management systems 201 and 202 then process the ledger badge, respectively (S563 and S564).
  • the contents of the ledger are booked with payment approval information. For example, the card number, payment authorization time and payment authorization amount may be listed.
  • the seller terminal 300 transmits a settlement request to the second station management system 202 (S570). Then, the second station management system 202 completes the settlement process to the seller terminal 300 (S571). The settlement of the second station management system 202 for the seller may be made regularly.
  • the second station management system 202 transmits a settlement request to the integrated management system 100 (S580). Subsequently, the integrated management system 100 transmits a settlement request to the first station management system 201 (S581).
  • the first station management system 201 subtracts the exchanged currency or virtual currency held by the customer terminal 400 (S590). And the 1st station management system 201 processes a settlement by sending the said payment amount to the 2nd station management system 202 (S591). In this case, when the customer terminal 400 does not perform a currency exchange process, the first station management system 201 may exchange currency into a real currency or a predetermined real currency used by the second station management system 202 for settlement. .
  • the exchange processing and the transfer of the amount may be directly performed by the first station management system 201 or through an associated financial institution, and the second station management system 202 may also receive the amount directly. Or through a linked financial institution.
  • the customer can freely register his / her virtual currency in another country by acquiring and registering a bearer prepaid card that can be freely used in another country, which is issued or managed by the first country management system 201. It can be used to operate the virtual currency system suitable for the international environment, and can increase the customer's convenience of using virtual currency.
  • 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.
  • 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.
  • a recording medium can be executed not only in the server but also in the user terminal.

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 card registration unit for receiving, from a customer terminal, a registration request for a card issued by the management system of the second country and registering same; a payment processing unit for receiving a payment authorization request from the management system of the second country, receiving a payment validity confirmation from the management system of the first country, and authorizing payment; 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

가상 화폐를 이용한 통합 관리 시스템, 국내 관리 시스템 및 통합 관리 방법Integrated management system, domestic management system and integrated management method using virtual currency
본 발명은 가상 화폐를 이용한 통합 관리 시스템, 국내 관리 시스템 및 통합 관리 방법에 관한 것이다.The present invention relates to an integrated management system, a domestic management system and an integrated management method using virtual currency.
기존의 실물 화폐 개념과 구별되어 컴퓨터에 의하여 정보 형태를 확인할 수 있는 네트워크형 전자 화폐를 가상 화폐라고 한다. 이러한 가상 화폐는 고안한 주체가 정한 규칙에 따라 가치를 부여하고 이를 이용하여 물품 거래 및 화폐 교환이 가능하며, 나아가 실물 화폐와 교환될 수도 있다.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.
이러한 가상 화폐는 특정인이 생성하여 분산 네트워크 방식으로 구현되어 있는 이른바 비트 코인 및 물품이나 서비스와 같은 상품을 구매한 후 판매자 또는 결제 수단을 제공하는 사업자가 상품이나 서비스를 구매한 구매자에게 구매 활동에 대한 보상으로서 구매 금액의 일정 비율로 적립해주는 포인트 또는 마일리지 등을 포함한다.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.
이러한 가상 화폐는 사용에 익숙하지 않은 사용자가 자신이 보유한 가상 화폐를 잘 모르거나 알아도 사용할 수 있는 적당한 대상이나 방법을 찾지 못하여 사용하지 못하는 경우가 있다. 포인트의 경우에는 유효 기간이 도과하여 소멸되는 경우도 있었다. 또한 포인트를 적립해준 해당 사업자와의 거래 시에만 포인트를 사용할 수 있어 포인트 사용이 원활하지 못한 경우가 있다. 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.
한편, 종래에는 금융 시스템의 운영과 활용이 해당 국가 내에서만 이루어지고 있었으나 글로벌한 금융 환경이 조성됨에 따라 서로 다른 국가에서 금융 거래가 원활하게 이루어지고 있다. 그러나 현재는 가상 화폐에 대하여 사용자가 속한 특정 국가에서만 사용할 수 있어 현금처럼 사용하는 가치가 있는 활용 방법이 제한되고 있다. 따라서 각 국의 가상 화폐 시스템을 연동하여 국내에서 적립한 국내 포인트 및 해외에서 적립한 해외 포인트를 자유롭게 교환하고 사용할 수 있는 통합 관리 시스템이 필요하며, 나아가 포인트를 포함하는 모든 가상 화폐가 자유롭게 국제적으로 거래되는 시스템의 지원이 필요하다.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.
본 발명이 이루고자 하는 기술적 과제는 국내에서 발생한 국내 가상 화폐와 해외에서 생성된 가상 화폐를 교차하여 자유롭게 사용 가능하도록 지원하며, 특히 고객이 보유한 가상 화폐를 이용하여 다른 국가의 통화로 환전하여 해당 국가에서 선불 카드를 등록하여 사용할 수 있는 시스템과 각 사업자 간의 정산 절차를 지원하는 시스템을 제공하는 것이다.The technical problem to be achieved in the present invention is to support the freely available to cross the domestic virtual currency generated in Korea and the virtual currency generated in foreign countries, in particular by using the virtual currency held by the customer to exchange the currency of other countries It is to provide a system that can register and use a prepaid card and a system that supports the settlement process between each operator.
본 발명의 한 실시예에 따른 통합 관리 시스템은 고객이 제1국 관리 시스템에서 발행하거나 관리하는 가상 화폐를 사용하여 제2국 관리 시스템과 제휴된 판매자와 구매 활동을 하는 경우 상기 가상 화폐를 관리하는 통합 관리 시스템으로서,상기 제2국 관리 시스템이 발행한 카드에 대하여 고객 단말로부터 등록 요청을 수신하여 등록 처리하는 카드 등록부, 상기 제2국 관리 시스템으로부터 상기 카드를 이용한 결제에 대한 결제 승인 요청을 수신하여 제1국 관리 시스템으로부터 결제 유효성 확인을 받아 결제 승인하는 결제 처리부, 그리고 상기 제2국 관리 시스템으로부터 정산 요청을 수신하여 상기 제1국 관리 시스템에게 정산 요청을 전송하는 정산 처리부를 포함한다.The integrated management system according to an embodiment of the present invention manages the virtual money when a customer makes a purchase activity with a seller affiliated with the second country management system using the virtual money issued or managed by the first country management system. An integrated management system, comprising: a card registration unit configured to receive a registration request from a customer terminal for a card issued by the second station management system and to register and receive a payment approval request for payment using the card from the second station management system. A payment processing unit for receiving payment confirmation from the first station management system to approve payment, 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.
상기 카드는 무기명 선결제 카드를 포함할 수 있다.The card may include an anonymous prepaid card.
상기 결제 처리부는, 결제 승인이 완료된 후에 원장 기장을 완료하고, 상기 제1국 관리 시스템 및 상기 제2국 관리 시스템에게 원장 기장 지시를 전송할 수 있다.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.
상기 결제 유효성 확인은 상기 고객 단말이 보유하고 있는 가상 화폐의 잔액, 상기 가상 화폐를 환전 처리한 실제 통화의 잔액 또는 상기 가상 화폐의 거래 제한 중 적어도 하나에 대한 문의를 포함할 수 있다.The payment validity check may include an inquiry about at least one of the balance of the virtual currency held by the customer terminal, the balance of the real currency in which the virtual currency is exchanged, or the trading restriction of the virtual currency.
상기 제1국 관리 시스템은 상기 제2국 관리 시스템에게 정산 금액을 실물화폐로 정산할 수 있다.The first station management system may settle the settlement amount in real currency to the second station management system.
상기 가상 화폐는, 특정인이 정한 규칙에 따라 생성되어 상기 통합 관리 시스템으로부터 인정되는 화폐, 그리고 판매자 또는 결제 수단을 제공하는 사업자가 상품이나 서비스를 구매한 고객에게 구매 활동에 대한 보상으로서 구매 금액의 일정 비율로 적립해주는 포인트 또는 마일리지를 포함할 수 있다.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.
본 발명의 다른 실시예에 따른 국내 관리 시스템은 고객이 다른 국가의 관리 시스템이 발행하거나 관리하는 가상 화폐를 사용하여 자신과 제휴된 판매자와 구매활동을 하는 경우 상기 고객이 구매에 사용할 카드를 발행하는 카드 발행부, 상기 카드를 이용한 상기 고객의 결제 요구에 따라 상기 판매자 단말로부터 결제 승인 요청을 수신하여 승인하는 결제 처리부, 그리고 통합 관리 시스템에게 상기 결제 승인에 따른 정산 요청을 전송하는 정산 처리부를 포함한다.The domestic management system according to another embodiment of the present invention, when a customer uses a virtual currency issued or managed by a management system of another country to purchase with a seller affiliated with the customer, issues a card for the customer to purchase. A card issuing unit, a payment processing unit receiving and approving a payment approval request from the seller terminal according to the payment request of the customer using the card, and a settlement processing unit transmitting a settlement request according to the payment approval to an integrated management system. .
상기 고객 단말의 요청에 따라 상기 고객 단말이 보유하고 있는 상기 가상 화폐를 상기 고객 단말이 지정한 통화로 환전 처리하여 기록하는 환전 처리부를 더 포함할 수 있다.According to a request of the customer terminal may further include a currency exchange processing unit for converting and recording the virtual currency held by the customer terminal in a currency designated by the customer terminal.
상기 정산 처리부는, 상기 다른 국가의 관리 시스템으로부터 실물 화폐를 이용하여 정산받을 수 있다.The settlement processing unit may be settled using real money from the management system of the other country.
상기 결제 처리부는, 상기 결제 승인 내용에 따라 원장 기장을 수행할 수 있다.The payment processing unit may perform a ledger book according to the payment approval.
상기 결제 처리부는, 상기 통합 관리 시스템을 통하여 상기 제1국 관리 시스템으로부터 상기 고객 단말이 보유한 가상 화폐에 대한 결제 유효성 확인을 받아 상기 결제 승인을 수행할 수 있다.The payment processing unit may receive the payment validity confirmation for the virtual currency held by the customer terminal from the first station management system through the integrated management system to perform the payment approval.
상기 가상 화폐는, 특정인이 정한 규칙에 따라 생성되어 상기 통합 관리 시스템으로부터 인정되는 화폐, 그리고 판매자 또는 결제 수단을 제공하는 사업자가 상품이나 서비스를 구매한 고객에게 구매 활동에 대한 보상으로서 구매 금액의 일정 비율로 적립해주는 포인트 또는 마일리지를 포함할 수 있다.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.
상기 카드는 무기명 선결제 카드를 포함할 수 있다.The card may include an anonymous prepaid card.
상기 카드는 상기 고객 단말의 요청에 따라 상기 통합 관리 시스템에 등록된 후에 사용될 수 있다.The card may be used after being registered in the integrated management system at the request of the customer terminal.
본 발명의 다른 실시예에 따른 가상 화폐 통합 관리 방법은 가상 화폐를 관리하는 통합 관리 시스템이, 제1국 관리 시스템에서 발행하거나 관리하는 가상 화폐를 사용하여 제2국 관리 시스템과 제휴된 판매자와 고객 사이에 이루어지는 구매 활동에 대하여 상기 가상 화폐를 관리하는 방법으로서, 상기 고객 단말로부터 상기 구매에 대한 결제에 사용하기 위하여 상기 제2국 관리 시스템이 발행한 카드에 대한 등록 요청을 수신하는 단계, 상기 카드에 대한 등록을 처리하고 상기 제2국 관리 시스템에게 통지하는 단계, 상기 카드를 이용한 상기 고객과 상기 판매자와의 구매 활동에 대하여 상기 제2국 관리 시스템으로부터 결제 승인 요청을 수신하는 단계, 상기 제2국 관리 시스템에게 결제 승인을 전송하는 단계, 상기 제2국 관리 시스템으로부터 정산 요청을 수신하는 단계, 그리고 상기 제1국 관리 시스템에게 정산 요청을 전송하는 단계를 포함한다.According to another embodiment of the present invention, a virtual money integrated management method includes an integrated management system for managing virtual money, a seller and a customer affiliated with a second country management system using virtual money issued or managed by the first country management system. CLAIMS What is claimed is: 1. A method of managing the virtual currency for purchase activities performed between the steps of: receiving a registration request for a card issued by the second station management system for use in payment for the purchase from the customer terminal; Processing a registration for the second station management system and notifying the second station management system; receiving a payment approval request from the second station management system for purchase activity between the customer and the seller using the card; Transmitting the settlement approval to the station management system, the settlement request from the second station management system Receiving a, and a step of sending a settlement request to the management system the first station.
상기 제2국 관리 시스템으로부터 결제 승인 요청을 수신하는 단계 이후에 상기 제1국 관리 시스템에게 상기 고객 단말이 보유한 가상 화폐에 대한 결제 유효성 확인을 요구하는 단계를 더 포함할 수 있다.After receiving the payment approval request from the second station management system may further comprise the step of requesting the first station management system check the payment validity for the virtual currency held by the customer terminal.
상기 결제 승인을 전송하는 단계 이후에, 상기 결제 승인에 대하여 원장 기장을 처리하는 단계, 그리고 상기 제1 관리 시스템 및 상기 제2 관리 시스템에게 원장 기장 지시를 전송하는 단계를 더 포함할 수 있다.After the payment approval, the method may further 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.
상기 가상 화폐는, 특정인이 정한 규칙에 따라 생성되어 상기 통합 관리 시스템으로부터 인정되는 화폐, 그리고 판매자 또는 결제 수단을 제공하는 사업자가 상품이나 서비스를 구매한 고객에게 구매 활동에 대한 보상으로서 구매 금액의 일정 비율로 적립해주는 포인트 또는 마일리지를 포함할 수 있다.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.
상기 카드는 무기명 선결제 카드를 포함할 수 있다.The card may include an anonymous prepaid card.
본 발명에 따르면 서로 다른 국가 내에서 서로 다른 사업자에 의하여 발행되어 생성한 가상 화폐를 이용하여 다른 국가의 통화로 환전하고 해당 국가에서 선불 카드를 등록하여 사용하며 그에 따라 각 사업자 간의 정산 절차를 지원하여, 국제 환경에 맞는 가상 화폐 시스템을 운영할 수 있으며, 가상 화폐 사용에 대한 고객의 편리성을 증대시킬 수 있다.According to the present invention, by using a virtual currency issued and generated by different operators in different countries, the currency of another country can be exchanged and the prepaid card can be registered and used in the corresponding country, thereby supporting the settlement process between each operator. In addition, it is possible to operate a virtual currency system suitable for an international environment, and increase the convenience of customers for using virtual currency.
도 1은 본 발명의 한 실시예에 따른 통합 관리 시스템이 동작하는 환경에 대한 블록도이다.1 is a block diagram of an environment in which an integrated management system operates according to an embodiment of the present invention.
도 2는 본 발명의 한 실시예에 따른 통합 관리 시스템의 블록도이다.2 is a block diagram of an integrated management system according to an embodiment of the present invention.
도 3은 본 발명의 한 실시예에 따른 국내 관리 시스템의 블록도이다.3 is a block diagram of a domestic management system according to an embodiment of the present invention.
도 4는 본 발명의 한 실시예에 따른 가상 화폐 관리 방법의 흐름도이다.4 is a flowchart of a virtual money management method according to an embodiment of the present invention.
도 5는 본 발명의 다른 실시예에 따른 가상 화폐 관리 방법의 흐름도이다.5 is a flowchart illustrating a virtual currency management method according to another embodiment of the present invention.
아래에서는 첨부한 도면을 참고로 하여 본 발명의 실시예에 대하여 본 발명이 속하는 기술 분야에서 통상의 지식을 가진 자가 용이하게 실시할 수 있도록 상세히 설명한다. 그러나 본 발명은 여러 가지 상이한 형태로 구현될 수 있으며 여기에서 설명하는 실시예에 한정되지 않는다. 그리고 도면에서 본 발명을 명확하게 설명하기 위해서 설명과 관계없는 부분은 생략하였으며, 명세서 전체를 통하여 유사한 부분에 대해서는 유사한 도면 부호를 붙였다.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.
명세서 전체에서, 어떤 부분이 어떤 구성요소를 "포함"한다고 할 때, 이는 특별히 반대되는 기재가 없는 한 다른 구성요소를 제외하는 것이 아니라 다른 구성요소를 더 포함할 수 있는 것을 의미한다. 또한, 명세서에 기재된 "…부", "…기", "모듈" 등의 용어는 적어도 하나의 기능이나 동작을 처리하는 단위를 의미하며, 이는 하드웨어나 소프트웨어 또는 하드웨어 및 소프트웨어의 결합으로 구현될 수 있다.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.
도면을 참고하여 본 발명의 한 실시예에 따른 통합 관리 시스템 및 통합 관리 방법에 대하여 상세하게 설명한다.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.
도 1은 본 발명의 한 실시예에 따른 통합 관리 시스템이 동작하는 환경에 대한 블록도이다.1 is a block diagram of an environment in which an integrated management system operates according to an embodiment of the present invention.
도 1을 참고하면, 통합 관리 시스템(100)은 복수의 국가 각각에서 발행된 복수의 가상 화폐를 서로 다른 복수의 국가에서의 사용 및 정산을 통합 관리하는 서버이다. 통합 관리 시스템(100)은 각 국가의 국내 관리 시스템(200)과 통신하며 결제 승인 내역에 대한 원장 기재 관리 및 각 국가간의 정산 처리를 수행한다. 이를 위하여 통합 관리 시스템(100)은 가상 화폐에 대한 조회, 교환, 사용 및 결제를 수행하는 사용자 인터페이스를 제공할 수 있다.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.
국내 관리 시스템(200)은 복수의 국가 각각에서 해당 국가에서 존재하는 판매자(300)와 계약을 맺고 판매자 단말(300)과 고객 단말(400) 사이의 구매 활동에 대한 결제 승인 절차를 수행하고, 통합 관리 시스템(100)을 통하여 다른 국가의 국내 관리 시스템(200)과 결제에 따른 국가간 정산을 처리하는 서버이다. 국내 관리 시스템(200)은 서로 다른 제1국, 제2국 및 제3 국을 각각 관리하는 제1국 관리 시스템(201), 제2국 관리 시스템(202) 및 제3 국 관리 시스템(203)을 포함한다.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, performs a payment approval procedure for a purchase activity between the seller terminal 300 and the customer terminal 400, and integrates them. Through the management system 100 is a server that handles the settlement between countries according to the domestic management system 200 and payment of other countries. 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.
판매자 단말(300)은 국내 관리 시스템(200)이 관리하는 국가에 존재하며, 고객에게 상품 또는 서비스를 제공하는 자가 사용하는 단말이다. 판매자 단말(300)은 국내 관리 시스템(200)과 계약을 맺고 가상 화폐를 결제 대금으로 하여 상품 또는 서비스를 고객에게 제공하고, 가상 화폐에 대한 구매 대금 결제 승인 및 정산을 국내 관리 시스템(200)으로부터 처리 받는다. 판매자 단말(300)은 예를 들어 금융 서비스를 제공하는 은행(301), 가상 화폐의 한 종류인 쿠폰을 발행하여 판매하는 쿠폰 에이전시(302) 및 고객에게 상품을 판매하는 오프라인 또는 온라인 가맹점(303) 등을 포함할 수 있다.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.
이때 가상 화폐는 각국에서 생성되어 네트워크 방식으로 구현되어 있는 화폐로서, 특정인이 정한 규칙에 따라 생성되어 통합 관리 시스템(100) 또는 국내 관리 시스템(200)으로부터 인정되는 화폐를 포함한다. 또한 가상 화폐는 판매자 또는 결제 수단을 제공하는 사업자가 상품이나 서비스를 구매한 구매자에게 구매 활동에 대한 보상으로서 구매 금액의 일정 비율로 적립해주는 포인트 또는 마일리지 등을 포함한다. 이때 포인트 또는 마일리지는 구매 활동의 결과로서 적립되는 것뿐만 아니라 고객이 필요에 따라 구입을 하여 보유될 수도 있다.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.
고객 단말(400)은 다양한 경로에 따라 획득한 가상 화폐를 보유하고 있는 고객이 네트워크를 통하여 통합 관리 시스템(100) 또는 국내 관리 시스템(200)이 제공하는 웹페이지에 접속하거나 판매자 단말(300)과 통신하는 장치이다. 고객 단말(400)은 예를 들어, 탭 및 노트북을 포함하는 각종 컴퓨터, 개인 휴대용 정보 단말기(Personal Digital Assistant, PDA), 스마트폰을 포함하는 이동 통신 단말기 및 텔레비전(television, TV)등 다양한 통신 장치가 사용될 수 있다.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.
이제 도 2를 참고하여 통합 관리 시스템에 대하여 상세하게 설명한다.Now, the integrated management system will be described in detail with reference to FIG. 2.
도 2는 본 발명의 한 실시예에 따른 통합 관리 시스템의 블록도이다.2 is a block diagram of an integrated management system according to an embodiment of the present invention.
도 2를 참고하면 통합 관리 시스템(100)은 카드 등록부(110), 결제 처리부(120) 및 정산 처리부(130)를 포함한다.Referring to FIG. 2, the integrated management system 100 includes a card registration unit 110, a payment processing unit 120, and a settlement processing unit 130.
앞으로 설명에서는 제1국 관리 시스템(201)에 의하여 관리되는 가상 화폐를 보유하는 고객 단말(400)이 제1국과 다른 국가인 제2국에 대한 제2국 관리 시스템(202)과 계약된 제2국의 판매자로부터 상품 또는 서비스를 구매하는 경우를 예로 들어 설명한다.In the following description, the customer terminal 400 holding the virtual currency managed by the first station management system 201 is contracted with the second station management system 202 for a second station which is a different country from the first station. A case of purchasing goods or services from a seller of two countries will be described as an example.
카드 등록부(110)는 제2국 관리 시스템(202)이 발행한 카드를 고객이 습득하여 고객 단말(400)의 등록 요청이 있는 경우 카드 등록을 처리한다. 이때 카드는 무기명 선불 카드의 형식을 취할 수 있다. 카드 등록부(110)는 카드 등록 처리를 완료한 후에 제2국 관리 시스템(202)에게 카드 등록이 완료되었음을 통지한다.The card registration unit 110 processes card registration when a customer acquires a card issued by the second station management system 202 and requests a registration of the customer terminal 400. The card can take the form of an anonymous prepaid card. The card registration unit 110 notifies the second station management system 202 that the card registration is completed after the card registration processing is completed.
결제 처리부(120)는 제2국 관리 시스템(202)으로부터 결제 승인 요청을 수신하고, 제1국 관리 시스템(201)에게 고객에 대한 가상 화폐의 잔액 확인 및 결제 가능 여부 등을 문의하여 결제 승인을 제2국 관리 시스템(202)에게 전송한다. 즉 결제 처리부(130)는 제1국 관리 시스템(201)을 통하여 고객 단말(400)의 구매 가능 조건을 문의하거나 고객 단말(400)이 보유하고 있는 가상 화폐에 대한 유효성 검토를 수행할 수 있다.The payment processing unit 120 receives a payment approval request from the second country management system 202 and asks the first country management system 201 to check the balance of the virtual currency for the customer and check whether the payment is possible. And transmits it to the second station management system 202. That is, the payment processing unit 130 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.
또한 결제 처리부(120)는 결제 승인이 완료된 후에 원장 기장을 처리하고, 관련된 국내 관리 시스템(200)들에게 원장 기장 지시를 전송한다. 즉 예를 들어 결제 처리부(130)는 고객 단말(400)이 제2국의 판매자의 상품 또는 서비스를 구매하여 결제 승인이 완료된 경우, 제1국 관리 시스템(201) 및 제2국 관리 시스템(202)에게 원장 기장 지시를 할 수 있다.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 130, 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.
정산 처리부(130)는 제2국의 국내 관리 시스템(202)으로부터 정산 요청을 수신하면 원장 기장에 따라 제1국의 국내 관리 시스템(201)에게 정산 요청을 전송한다. 이때 정산은 통용되는 실물 화폐인 현금으로 처리되거나, 통합 관리 시스템이 생성한 지정 화폐로 처리될 수 있다.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.
이제 도 3을 참고하여 국내 관리 시스템(200)에 대하여 상세하게 설명한다.Now, the domestic management system 200 will be described in detail with reference to FIG. 3.
도 3은 본 발명의 한 실시예에 따른 국내 관리 시스템의 블록도이다.3 is a block diagram of a domestic management system according to an embodiment of the present invention.
도 3을 참고하면, 국내 관리 시스템(200)은 환전 처리부(210), 카드 발행부(220), 결제 처리부(230) 및 정산 처리부(240)를 포함한다.Referring to FIG. 3, the domestic management system 200 includes a currency exchange processor 210, a card issuer 220, a payment processor 230, and a settlement processor 240.
환전 처리부(210)는 고객 단말(400)의 요청에 따라 고객이 보유하고 있는 가상 화폐에 대하여 고객이 원하는 통화로 환전 처리한다. 이때 환전은 실제로 고객에게 해당 통화의 실물 화폐로 제공되는 것이 아니라, 고객 단말(400)에 대한 계정에 기록되는 과정으로 수행된다. 예를 들어 고객 단말(400)이 보유하고 있는 천 포인트에 대하여 달러로 환전 요청을 접수하는 경우, 정해진 환율에 따라 예를 들어 백달러로 환전을 처리하고 고객의 계정에 기록 된다.The exchange processor 210 exchanges the virtual currency held by the customer in the currency desired by the customer at the request of the customer terminal 400. At this time, the exchange is not actually provided to the customer in the real currency of the currency, but is performed as a process recorded in the account for the customer terminal 400. For example, when receiving a currency exchange request in dollars for a thousand points held by the customer terminal 400, the exchange rate is processed by, for example, $ 100 according to a predetermined exchange rate and recorded in the account of the customer.
카드 발행부(220)는 다른 국가에서 관리되는 가상 화폐를 보유하고 있는 고객이 국내 관리 시스템(200)이 관리하는 판매자와 구매 활동을 하려는 경우 해당 국가에서 사용할 수 있는 카드를 발급 처리한다. 이때 카드는 무기명 선불 카드 형태로 실물 카드일 수 있다. 이러한 카드는 지정된 장소에 비치되어 고객이 해당 국가를 방문한 후 카드를 수취할 수 있다.The card issuing unit 220 issues and processes a card that can be used in a corresponding country when a customer having a virtual currency managed in another country wants to perform a purchase activity with a seller managed by the domestic management system 200. At this time, the card may be a physical card in the form of an anonymous prepaid card. These cards are stored at designated locations so that the customer can pick up the cards after visiting the country.
결제 처리부(230)는 다른 국가의 국내 관리 시스템(200)가 관리하는 가상 화폐를 보유한 고객 단말(400)이 자신과 제휴한 판매자와 구매 활동을 한 경우, 판매자 단말(300)로부터 결제 승인 요청을 받아 결제 승인을 처리한다. 이때 결제 처리부(230)는 통합 관리 시스템(100)에게 고객에 대한 가상 계좌의 잔액 확인, 환전 잔액 확인 및 결제 가능 여부 등을 문의를 통하여 유효성 확인이 완료된 후에 결제 승인을 수행할 수 있다. 결제 처리부(230)는 결제 승인 후에 통합 관리 시스템(100)의 지시에 따라 원장 기장을 수행하여 원장을 관리한다.The payment processor 230 requests a payment approval request from the seller terminal 300 when the customer terminal 400 having virtual currency managed by the domestic management system 200 of another country has made a purchase activity with a seller associated with it. Accept and process payment authorization. In this case, the payment processing unit 230 may perform payment approval after the validation is completed by inquiring the integrated management system 100 of the check of the balance of the virtual account for the customer, the exchange check and the availability of the payment. The payment processing unit 230 manages the ledger by performing the ledger in accordance with the instructions of the integrated management system 100 after payment approval.
정산 처리부(240)는 판매자 단말(300)로부터 결제 금액에 대한 정산 요청을수신하고, 해당 금액을 판매자 단말(300)의 계좌로 송금함으로써 정산 처리한다. 또한 정산 처리부(230)는 결제 처리부(230)가 관리하는 원장 기장 내용에 따라 통합 관리 시스템(100)에게 결제 승인 내용에 따른 결제 금액에 대한 정산 요청을 전송한다. 그리고 다른 국가의 국내 관리 시스템(200)으로부터 결제 비용을 입금받는 방식으로 정산을 받는다. 이때 정산은 실물 화폐 또는 지정 화폐로 이루어질 수 있다.The settlement processing unit 240 receives a settlement request for the settlement amount from the seller terminal 300 and transfers the settlement amount to the account of the seller terminal 300 to process the settlement. In addition, the settlement processing unit 230 transmits a settlement request for the settlement amount according to the payment approval to the integrated management system 100 according to the contents of the ledger book managed by the payment processing unit 230. 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.
이제 본 발명의 다른 실시예에 따른 가상 화폐 관리 방법에 대하여 상세하게 설명한다.Now, a virtual money management method according to another embodiment of the present invention will be described in detail.
도 4는 본 발명의 한 실시예에 따른 가상 화폐 관리 방법의 흐름도이다.4 is a flowchart of a virtual money management method according to an embodiment of the present invention.
도 4에서는 제1국에서 제1국 관리 시스템(201)의 관리를 받는 고객 단말(400)이, 제2국에서 제2국 관리 시스템(202)과 제휴를 맺은 판매자의 상품 또는 서비스를 구매한 경우의 예를 들어 설명한다. 즉, 고객이 제1국 관리 시스템(201)에서 발행하거나 제1국 관리 시스템(201)이 관리하는 가상 화폐를 보유하고 있는 경우에, 이러한 가상 화폐를 이용하여 제2국의 판매자와 구매 활동을 한 경우이다.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 a customer has a virtual currency issued by the first station management system 201 or managed by the first station management system 201, the purchaser and the purchaser of the second country can use the virtual currency. One case.
도 4를 참고하면, 고객 단말(400)은 제1국 관리 시스템(201)에게 고객이 보유한 가상 화폐 중 적어도 일부에 대하여 지정한 통화로 환전 요청을 전송한다(S410). 제1국 관리 시스템(201)은 고객 단말(400)이 요청한 금액에 대하여 가상 화폐를 해당 통화로 환전 처리한다(S420). 이때 환전 처리된 금액은 고객에게 실물로 제공되는 것이 아니라 고객에 대한 계정이 기록된다. 또한 환율은 제1 관리 시스템(201)이 결정한 교환 비율에 따라 정해진다.Referring to FIG. 4, the customer terminal 400 transmits a currency exchange request to the first station management system 201 in a designated currency for at least some of the virtual currency held by the customer (S410). The first station management system 201 converts the virtual currency into the corresponding currency for the amount requested by the client terminal 400 (S420). The exchanged amount is not provided to the customer in real, but the account for the customer is recorded. The exchange rate is determined according to the exchange rate determined by the first management system 201.
이어서 고객은 제2국 관리 시스템(202)이 발행하여 배포한 카드를 취득한다. 예를 들어 고객이 제2국을 방문하여 제2국의 공항, 편의점 및 가판대 등 접근 가능한 다양한 장소에서 카드를 취득할 수 있다.The customer then acquires a card issued and distributed by the second station management system 202. For example, a customer may visit a second country and obtain a card at a variety of accessible places, such as an airport, a convenience store, and a newsstand in the second country.
고객 단말(400)은 취득한 카드에 대한 등록 요청을 통합 관리 시스템(100)에게 전송한다(S430). 이때 고객 단말(400)은 카드에 기록되어 있는 카드 정보 등에 대하여 통합 관리 시스템(100)에게 전송할 수 있다.The customer terminal 400 transmits a registration request for the acquired card to the integrated management system 100 (S430). In this case, the customer terminal 400 may transmit the card information recorded on the card to the integrated management system 100.
그러면 통합 관리 시스템(100)은 해당 카드를 고객 단말(400)에 대하여 등록 처리한다(S440). 그리고 통합 관리 시스템(100)은 제2국 관리 시스템(202)에게 해당 카드에 대한 고객 단말(400)의 등록 완료 결과를 통보한다(S450). 또한 통합 관리 시스템(100)은 원장 기장을 처리하고(S460), 제1국 관리 시스템(201) 및 제2국 관리 시스템(202)에게 원장 기장 지시를 전송한다(S461, S462). 그러면 제1국 관리 시스템(201) 및 제2국 관리 시스템(202)은 원장 기장 처리를 완료한다(S463, S464). 이때 원장 내용은 카드 정보가 기장된다. 예를 들어 고객 정보, 카드 번호 및 카드를 발급한 국내 관리 시스템 정보 등이 기장될 수 있다.Then, the integrated management system 100 registers the card with respect to the customer terminal 400 (S440). The integrated management system 100 notifies the second station management system 202 of the registration completion result of the customer terminal 400 for the card (S450). In addition, the integrated management system 100 processes the ledger ledger (S460), and transmits the ledger ledger instruction to the first station management system 201 and the second station management system 202 (S461, S462). The first station management system 201 and the second station management system 202 then complete the ledger bookkeeping process (S463 and S464). At this time, the contents of the ledger are booked with card information. For example, customer information, card number and domestic management system information that issued the card may be listed.
이제 도 5를 참고하여 본 발명의 다른 실시예에 따른 가상 화폐 관리 방법에 대하여 상세하게 설명한다.Now, a method for managing virtual money according to another embodiment of the present invention will be described in detail with reference to FIG. 5.
도 5는 본 발명의 다른 실시예에 따른 가상 화폐 관리 방법의 흐름도이다.5 is a flowchart illustrating a virtual currency management method according to another embodiment of the present invention.
도 5를 참고하면, 도 4와 같이 카드 등록을 완료한 고객은 판매자로부터 상품 또는 서비스를 구매하고 등록한 카드를 제시하여 결제를 요청한다. 즉 판매자 단말(300)은 판매자, 고객 또는 고객 단말(400)로부터 등록 카드를 이용한 결제 요청을 수신한다(S510).Referring to FIG. 5, a customer who completes card registration as shown in FIG. 4 requests a payment by purchasing goods or services from a seller and presenting a registered card. That is, the seller terminal 300 receives a payment request using a registration card from a seller, a customer, or a customer terminal 400 (S510).
그러면 판매자 단말(300)은 해당 카드 정보 및 결제 정보 등을 제2국 관리 시스템(202)에게 전송하여 결제 승인 요청을 전송한다(S520). 제2국 관리 시스템(202)은 통합 관리 시스템(100)에게 결제 승인 요청을 전송한다(S521).Then, the seller terminal 300 transmits the card information and payment information, etc. to the second station management system 202 and transmits a payment approval request (S520). The second station management system 202 transmits a payment approval request to the integrated management system 100 (S521).
통합 관리 시스템(100)은 해당 고객 단말(400)이 보유하고 있는 가상 화폐에 대한 결제 조건 확인 문의를 제1국 관리 시스템(201)에게 전송한다(S530). 이때, 도 4와 같이 고객 단말(400)이 보유하고 있는 가상 화폐를 환전한 경우에는 환전한 통화가 결제 금액보다 많은지 여부를 문의할 수 있다. 만일 환전 과정이 없는 경우에는 고객 단말(400)이 보유하고 있는 가상 화폐의 잔액이 결제 금액보다 많은지 여부를 문의할 수 있다. 또한 이 외에도 결제에 사용할 수 있는 가상 화폐 제한 여부 등 통합 관리 시스템(100)은 가상 화폐의 결제 유효성 문의를 할 수 있다. 제1국 관리 시스템(201)은 통합 관리 시스템(100)에게 결제 조건 문의에 대한 답변을 전송한다(S531).The integrated management system 100 transmits a payment condition check query for the virtual currency held by the corresponding customer terminal 400 to the first station management system 201 (S530). In this case, as shown in FIG. 4, when the virtual currency held by the customer terminal 400 is exchanged, it may be inquired whether the exchanged currency is greater than the payment amount. If there is no exchange process, it may be inquired whether the balance of the virtual currency held by the customer terminal 400 is greater than the payment amount. In addition, the integrated management system 100, such as whether or not to limit the virtual currency that can be used for payment may make a payment validity query of the virtual currency. The first station management system 201 transmits an answer to the payment condition inquiry to the integrated management system 100 (S531).
통합 관리 시스템(100)은 제1국 관리 시스템(201)의 답변 결과 결제에 문제가 없는 경우 제2국 관리 시스템(202)에게 결제 승인을 전송한다(S540). 그리고 제2국 관리 시스템(202)은 판매자 단말(30))에게 결제 승인을 전송한다(S541).The integrated management system 100 transmits a payment approval to the second station management system 202 when there is no problem in the settlement as a result of the answer of the first station management system 201 (S540). The second station management system 202 transmits the payment approval to the seller terminal 30 (S541).
그러면 판매자는 고객에게 구매한 상품 또는 서비스를 인도하고 판매자 단말(300)은 결제를 처리하고 판매 완료 처리한다(S550).Then, the seller delivers the purchased goods or services to the customer, and the seller terminal 300 processes the payment and completes the sale (S550).
이어서 통합 관리 시스템(100)은 결제 승인에 따라 결제 내용을 원장 기장하고(S560), 제1국 및 제2국 관리 시스템(201, 202)에게 원장 기장 지시를 전송한다(S561, S562). 그러면 제1국 및 제2국 관리 시스템(201, 202)은 각각 원장 기장을 처리한다(S563, S564). 이때 원장 내용은 결제 승인 정보가 기장된다. 예를 들어 카드 번호, 결제 승인 시간 및 결제 승인 금액 등이 기장될 수 있다.Subsequently, the integrated management system 100 registers the payment contents according to the payment approval (S560), and transmits the ledgerbook instruction to the first and second station management systems 201 and 202 (S561 and S562). The first station and second station management systems 201 and 202 then process the ledger badge, respectively (S563 and S564). At this time, the contents of the ledger are booked with payment approval information. For example, the card number, payment authorization time and payment authorization amount may be listed.
판매자 단말(300)은 제2국 관리 시스템(202)에게 정산 요청을 전송한다(S570). 그러면 제2국 관리 시스템(202)은 판매자 단말(300)에게 정산 처리를 완료한다(S571). 판매자에 대한 제2국 관리 시스템(202)의 정산은 정기적으로 이루어질 수 있다.The seller terminal 300 transmits a settlement request to the second station management system 202 (S570). Then, the second station management system 202 completes the settlement process to the seller terminal 300 (S571). The settlement of the second station management system 202 for the seller may be made regularly.
제2국 관리 시스템(202)은 통합 관리 시스템(100)에게 정산 요청을 전송한다(S580). 이어서 통합 관리 시스템(100)은 제1국 관리 시스템(201)에게 정산 요청을 전송한다(S581). The second station management system 202 transmits a settlement request to the integrated management system 100 (S580). Subsequently, the integrated management system 100 transmits a settlement request to the first station management system 201 (S581).
그러면 제1국 관리 시스템(201)은 고객 단말(400)이 보유하고 있는 환전된 통화 또는 가상 화폐를 차감한다(S590). 그리고 제1국 관리 시스템(201)은 제2국 관리 시스템(202)에게 해당 결제 금액을 송금함으로써 정산 처리한다(S591). 이때 고객 단말(400)이 환전 과정을 수행하지 않은 경우에 제1국 관리 시스템(201)은 정산을 위하여 제2국 관리 시스템(202)이 사용하는 실물 화폐 또는 정해진 실물 화폐로 환전 처리할 수 있다.Then, the first station management system 201 subtracts the exchanged currency or virtual currency held by the customer terminal 400 (S590). And the 1st station management system 201 processes a settlement by sending the said payment amount to the 2nd station management system 202 (S591). In this case, when the customer terminal 400 does not perform a currency exchange process, the first station management system 201 may exchange currency into a real currency or a predetermined real currency used by the second station management system 202 for settlement. .
한편, 본 발명의 한 실시예에서 환전 처리 및 금액 전송은 제1국 관리 시스템(201)이 직접 수행하거나 연계된 금융 기관을 통하여 할 수 있으며, 제2국 관리 시스템(202) 역시 직접 금액을 수신하거나 연계된 금융 기관을 통하여 할 수도 있다.Meanwhile, in one embodiment of the present invention, the exchange processing and the transfer of the amount may be directly performed by the first station management system 201 or through an associated financial institution, and the second station management system 202 may also receive the amount directly. Or through a linked financial institution.
이와 같이 제1국 관리 시스템(201)에 의하여 발행되거나 관리되는 가상 화폐에 대하여 고객은 다른 국가인 제2국에서 자유롭게 사용할 수 있는 무기명 선불 카드를 취득하여 등록함으로써 자신의 가상 화폐를 다른 국가에서 자유롭게 사용할 수 있어 국제 환경에 맞는 가상 화폐 시스템을 운영할 수 있으며, 가상 화폐 사용에 대한 고객의 편리성을 증대시킬 수 있다.In this way, the customer can freely register his / her virtual currency in another country by acquiring and registering a bearer prepaid card that can be freely used in another country, which is issued or managed by the first country management system 201. It can be used to operate the virtual currency system suitable for the international environment, and can increase the customer's convenience of using virtual currency.
또한 제1국 관리 시스템(201) 및 제2국 관리 시스템(202) 사이의 정산 절차 과정을 통합 관리 시스템(100)이 관리하며, 제1국 관리 시스템(201) 및 제2국 관리 시스템(202)이 모두 원장을 기록하여 관리하는 분산 원장 방식을 채택함으로써 안전하고 명확한 정산 절차가 지원될 수 있다. 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.
또한 통합 관리 시스템(100)이 관리하는 시스템 내에서 이루어지는 외환 거래에 투명성을 확보할 수 있으며, 스왑 거래 활성화에 따라 국제 거래에서 외환 수입을 증대시킬 수 있다.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.
이상에서 설명한 본 발명의 실시예는 장치 및 방법을 통해서만 구현이 되는 것은 아니며, 본 발명의 실시예의 구성에 대응하는 기능을 실현하는 프로그램 또는 그 프로그램이 기록된 기록 매체를 통해 구현될 수도 있다. 이러한 기록 매체는 서버뿐만 아니라 사용자 단말에서도 실행될 수 있다.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.
이상에서 본 발명의 실시예에 대하여 상세하게 설명하였지만 본 발명의 권리범위는 이에 한정되는 것은 아니고 다음의 청구범위에서 정의하고 있는 본 발명의 기본 개념을 이용한 당업자의 여러 변형 및 개량 형태 또한 본 발명의 권리범위에 속하는 것이다.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 (19)

  1. 고객이 제1국 관리 시스템에서 발행하거나 관리하는 가상 화폐를 사용하여 제2국 관리 시스템과 제휴된 판매자와 구매 활동을 하는 경우 상기 가상 화폐를 관리하는 통합 관리 시스템으로서,An integrated management system that manages the virtual currency when a customer makes a purchase activity with a seller affiliated with the second country management system using a virtual currency issued or managed by the first country management system,
    상기 제2국 관리 시스템이 발행한 카드에 대하여 고객 단말로부터 등록 요청을 수신하여 등록 처리하는 카드 등록부,A card registration unit for receiving a registration request from a customer terminal and registering the card issued by the second station management system;
    상기 제2국 관리 시스템으로부터 상기 카드를 이용한 결제에 대한 결제 승인 요청을 수신하여 제1국 관리 시스템으로부터 결제 유효성 확인을 받아 결제 승인하는 결제 처리부, 그리고A payment processing unit that receives a payment approval request for the payment using the card from the second country management system and receives the payment validity confirmation from the first country management system;
    상기 제2국 관리 시스템으로부터 정산 요청을 수신하여 상기 제1국 관리 시스템에게 정산 요청을 전송하는 정산 처리부The settlement processor receives the settlement request from the second station management system and transmits the settlement request to the first station management system.
    를 포함하는 통합 관리 시스템.Integrated management system comprising a.
  2. 제1항에서,In claim 1,
    상기 카드는 무기명 선결제 카드를 포함하는The card includes an anonymous prepaid card.
    통합 관리 시스템.Integrated management system.
  3. 제1항에서,In claim 1,
    상기 결제 처리부는,The payment processing unit,
    결제 승인이 완료된 후에 원장 기장을 완료하고, 상기 제1국 관리 시스템 및 상기 제2국 관리 시스템에게 원장 기장 지시를 전송하는After 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.
    통합 관리 시스템.Integrated management system.
  4. 제1항에서,In claim 1,
    상기 결제 유효성 확인은The above payment validation
    상기 고객 단말이 보유하고 있는 가상 화폐의 잔액, 상기 가상 화폐를 환전 처리한 실제 통화의 잔액 또는 상기 가상 화폐의 거래 제한 중 적어도 하나에 대한 문의를 포함하는 통합 관리 시스템.And an inquiry about at least one of the balance of the virtual currency held by the customer terminal, the balance of the real currency in which the virtual currency is exchanged, or the trading restriction of the virtual currency.
  5. 제1항에서,In claim 1,
    상기 제1국 관리 시스템은 상기 제2국 관리 시스템에게 정산 금액을 실물화폐로 정산하는The first station management system may settle the settlement amount in real currency to the second station management system.
    통합 관리 시스템.Integrated management system.
  6. 제1항에서,In claim 1,
    상기 가상 화폐는,The virtual currency,
    특정인이 정한 규칙에 따라 생성되어 상기 통합 관리 시스템으로부터 인정되는 화폐, 그리고Money generated according to the rules set by a specific person and recognized from the integrated management system, and
    판매자 또는 결제 수단을 제공하는 사업자가 상품이나 서비스를 구매한 고객에게 구매 활동에 대한 보상으로서 구매 금액의 일정 비율로 적립해주는 포인트 또는 마일리지Points 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
    를 포함하는 통합 관리 시스템.Integrated management system comprising a.
  7. 고객이 다른 국가의 관리 시스템이 발행하거나 관리하는 가상 화폐를 사용하여 자신과 제휴된 판매자와 구매활동을 하는 경우 상기 고객이 구매에 사용할 카드를 발행하는 카드 발행부,A card issuing unit for issuing a card for use by a customer when the customer uses a virtual currency issued or managed by a management system of another country to purchase with an affiliated seller.
    상기 카드를 이용한 상기 고객의 결제 요구에 따라 상기 판매자 단말로부터 결제 승인 요청을 수신하여 승인하는 결제 처리부, 그리고A payment processing unit which receives and approves a payment approval request from the seller terminal according to a payment request of the customer using the card, and
    통합 관리 시스템에게 상기 결제 승인에 따른 정산 요청을 전송하는 정산 처리부Settlement processing unit for transmitting the settlement request according to the payment approval to the integrated management system
    를 포함하는 국내 관리 시스템.Domestic management system comprising a.
  8. 제7항에서,In claim 7,
    상기 고객 단말의 요청에 따라 상기 고객 단말이 보유하고 있는 상기 가상 화폐를 상기 고객 단말이 지정한 통화로 환전 처리하여 기록하는 환전 처리부A currency exchange processing unit converts and records the virtual currency held by the client terminal in a currency designated by the client terminal in response to a request of the client terminal.
    를 더 포함하는 국내 관리 시스템.Domestic management system comprising more.
  9. 제7항에서,In claim 7,
    상기 정산 처리부는,The settlement processing unit,
    상기 다른 국가의 관리 시스템으로부터 실물 화폐를 이용하여 정산받는Settled using real money from the management system of the other country
    국내 관리 시스템.Domestic management system.
  10. 제7항에서,In claim 7,
    상기 결제 처리부는,The payment processing unit,
    상기 결제 승인 내용에 따라 원장 기장을 수행하는According to the payment approval details to perform the ledger book
    국내 관리 시스템.Domestic management system.
  11. 제7항에서,In claim 7,
    상기 결제 처리부는,The payment processing unit,
    상기 통합 관리 시스템을 통하여 상기 제1국 관리 시스템으로부터 상기 고객 단말이 보유한 가상 화폐에 대한 결제 유효성 확인을 받아 상기 결제 승인을 수행하는Receiving a payment validity confirmation for the virtual currency held by the customer terminal from the first station management system through the integrated management system to perform the payment approval
    국내 관리 시스템.Domestic management system.
  12. 제7항에서,In claim 7,
    상기 가상 화폐는,The virtual currency,
    특정인이 정한 규칙에 따라 생성되어 상기 통합 관리 시스템으로부터 인정되는 화폐, 그리고Money generated according to the rules set by a specific person and recognized from the integrated management system, and
    판매자 또는 결제 수단을 제공하는 사업자가 상품이나 서비스를 구매한 고객에게 구매 활동에 대한 보상으로서 구매 금액의 일정 비율로 적립해주는 포인트 또는 마일리지Points 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
    를 포함하는 국내 관리 시스템.Domestic management system comprising a.
  13. 제7항에서,In claim 7,
    상기 카드는 무기명 선결제 카드를 포함하는 국내 관리 시스템.The card comprises a bearer upfront card.
  14. 제7항에서,In claim 7,
    상기 카드는 상기 고객 단말의 요청에 따라 상기 통합 관리 시스템에 등록된 후에 사용되는The card is used after being registered in the integrated management system at the request of the customer terminal.
    국내 관리 시스템.Domestic management system.
  15. 가상 화폐를 관리하는 통합 관리 시스템이, 제1국 관리 시스템에서 발행하거나 관리하는 가상 화폐를 사용하여 제2국 관리 시스템과 제휴된 판매자와 고객 사이에 이루어지는 구매 활동에 대하여 상기 가상 화폐를 관리하는 방법으로서,The integrated management system for managing virtual currency manages the virtual currency for purchase activities between sellers and customers associated with the second station management system using virtual money issued or managed by the first country management system. As
    상기 고객 단말로부터 상기 구매에 대한 결제에 사용하기 위하여 상기 제2국 관리 시스템이 발행한 카드에 대한 등록 요청을 수신하는 단계,Receiving a registration request for a card issued by the second station management system for use in payment for the purchase from the customer terminal;
    상기 카드에 대한 등록을 처리하고 상기 제2국 관리 시스템에게 통지하는 단계,Processing the registration for the card and notifying the second station management system;
    상기 카드를 이용한 상기 고객과 상기 판매자와의 구매 활동에 대하여 상기 제2국 관리 시스템으로부터 결제 승인 요청을 수신하는 단계,Receiving a request for approval of payment from the second station management system for purchase activity between the customer and the seller using the card;
    상기 제2국 관리 시스템에게 결제 승인을 전송하는 단계,Transmitting a payment approval to the second station management system;
    상기 제2국 관리 시스템으로부터 정산 요청을 수신하는 단계, 그리고Receiving a settlement request from the second station management system, and
    상기 제1국 관리 시스템에게 정산 요청을 전송하는 단계Transmitting a settlement request to the first station management system;
    를 포함하는 통합 관리 방법.Integrated management method comprising a.
  16. 제15항에서,The method of claim 15,
    상기 제2국 관리 시스템으로부터 결제 승인 요청을 수신하는 단계 이후에After receiving the payment approval request from the second station management system
    상기 제1국 관리 시스템에게 상기 고객 단말이 보유한 가상 화폐에 대한 결제 유효성 확인을 요구하는 단계Requesting the first station management system to confirm the payment validity of the virtual currency held by the customer terminal;
    를 더 포함하는 통합 관리 방법.Integrated management method further comprising.
  17. 제15항에서,The method of claim 15,
    상기 결제 승인을 전송하는 단계 이후에,After sending the payment authorization,
    상기 결제 승인에 대하여 원장 기장을 처리하는 단계, 그리고Processing a ledger entry for the payment authorization; and
    상기 제1 관리 시스템 및 상기 제2 관리 시스템에게 원장 기장 지시를 전송하는 단계Transmitting a ledger ledger instruction to the first management system and the second management system;
    를 더 포함하는 통합 관리 방법.Integrated management method further comprising.
  18. 제15항에서,The method of claim 15,
    상기 가상 화폐는,The virtual currency,
    특정인이 정한 규칙에 따라 생성되어 상기 통합 관리 시스템으로부터 인정되는 화폐, 그리고Money generated according to the rules set by a specific person and recognized from the integrated management system, and
    판매자 또는 결제 수단을 제공하는 사업자가 상품이나 서비스를 구매한 고객에게 구매 활동에 대한 보상으로서 구매 금액의 일정 비율로 적립해주는 포인트 또는 마일리지Points 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
    를 포함하는 통합 관리 방법.Integrated management method comprising a.
  19. 제15항에서,The method of claim 15,
    상기 카드는 무기명 선결제 카드를 포함하는The card includes an anonymous prepaid card.
    통합 관리 방법.Integrated management method.
PCT/KR2017/004271 2017-03-14 2017-04-21 Integrated management system using virtual currency, domestic management system, and integrated management method WO2018169124A1 (en)

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