WO2019054828A1

WO2019054828A1 - Method for making card payment by using virtual currency

Info

Publication number: WO2019054828A1
Application number: PCT/KR2018/010925
Authority: WO
Inventors: 김덕중
Original assignee: 김덕중
Priority date: 2017-09-15
Filing date: 2018-09-17
Publication date: 2019-03-21
Also published as: KR20190044146A

Abstract

A method for making card payment by using virtual currency is disclosed. The method for making card payment by using virtual currency according to the present invention, which is performed by a virtual currency exchange server, comprises the steps of: matching data on a user's card to data on the user's electronic wallet stored in the virtual currency exchange server, and storing the same; receiving information on a payment request made by the user's card matched to the user's electronic wallet, and information on the payment amount thereof, which is denominated in a real monetary unit; converting the payment amount into a payment amount in a virtual currency unit; purchasing, from the user's electronic wallet, virtual currency corresponding to the converted payment amount in the virtual currency unit, obtained in the converting step; and placing an order to sell the virtual currency corresponding to the converted payment amount in the virtual currency unit, obtained in the converting step.

Description

How to make a card payment using virtual currency

BACKGROUND OF THE INVENTION 1. Field of the Invention [0002] The present invention relates to a method of performing card settlement using virtual money, and more particularly,

Recently, virtual money based on the Internet has been proposed, which can replace real money. Conventionally, although there exist various types of virtual money that can be used on the Internet, the recently proposed virtual money is characterized in that there is no separate central issuing entity based on blockchain technology. These types of virtual currency include Bitcoin and Ethereum, among which Bitcoin is the most widely known and used.

It is a digital virtual currency initiated by Satoshi Nakamoto's paper in 2009. It is made up of a distributed database based on a block chain and performs transactions based on public key cryptography.

In recent years, it has become possible to use these virtual currencies not only for online transactions but also for transactions that purchase real goods or services. This is because, when virtual money is widely spread and money is guaranteed to a certain level or more, sellers of goods or services start to receive virtual money instead of real money.

However, the seller who still receives virtual currency is very limited. The reason is that the virtual money can be easily converted into real money, but the value of the virtual money is fluctuated in real time and the fluctuation width is considerably large. In addition, there is a problem that a seller has to build a dedicated system for trading using such virtual money.

Therefore, there is a demand for a method of canceling the loss concern due to the fluctuation of the value of the virtual money, which the seller pays, and performing the virtual currency transaction using a payment network such as a credit card which has been widely deployed .

Prior Art Document KOKAI Publication No. 10-2016-0091194

A problem to be solved by the present invention is to provide a method of performing card settlement using a virtual currency as a settlement amount indicated by a real currency unit.

Another object of the present invention is to provide a method of performing card settlement using a virtual currency that minimizes the risk associated with real-time value change of virtual currency.

According to another aspect of the present invention, there is provided a method for performing a card settlement using a virtual currency, the method comprising: a virtual money exchange server performing a card settlement using a virtual currency, The method comprising the steps of: storing and matching data of a user's electronic wallet and a user card; receiving information on a payment request and a payment amount of a user card matched with the user's electronic wallet, the payment amount being displayed in real money units; Converting the settlement amount into a virtual denomination, purchasing a settlement amount converted into a virtual denomination in the converting step from the user's electronic wallet, and selling the settlement amount converted into the virtual denomination in the converting step And placing an order.

In one embodiment of the present invention, the manager electronic wallet distinguished from the user electronic wallet is stored in the virtual money exchange server, and the step of embedding may include: converting from the user electronic wallet to the manager electronic wallet The payment amount converted into the virtual currency unit may be transferred.

In one embodiment of the present invention, the manager electronic wallet distinguished from the user electronic wallet is stored in the virtual money exchange server, and the selling order is performed in the manager electronic wallet, A step of placing an order to sell a settlement amount converted into a currency unit.

In one embodiment of the present invention, the step of embedding and the step of making a selling order can be performed simultaneously.

In one embodiment of the present invention, the step of making a selling order can be to place an order selling order.

In one embodiment of the present invention, the designation value in the quota order can be determined by the conversion rate of the virtual currency and the virtual currency applied in the conversion step.

In one embodiment of the present invention, the step of making a selling order may be to make a market selling order.

In an embodiment of the present invention, the step of comparing the settlement amount converted into the virtual currency unit in the conversion step performed before the embedding step and the virtual money balance of the user's electronic wallet to determine whether payment is possible As shown in FIG.

In one embodiment of the present invention, the method may further include transmitting, to the card company server or the payment terminal, information on the settlement amount converted into the virtual currency unit in the converting step performed before the embedding step .

In one embodiment of the present invention, the method may further include receiving, from the card issuer server or the payment terminal, information for requesting continuation of settlement, which is performed after the transmitting step.

In one embodiment of the present invention, the step of pre-converting the settlement amount before the converting step and the information about the settlement amount that is pre-converted into the virtual currency unit in the pre- To the card issuer server and the payment terminal.

In one embodiment of the present invention, the method may further include receiving information requesting continuation of settlement from the card issuer server or the payment terminal, which is performed after the step of transmitting the information.

In one embodiment of the present invention, the conversion rates of the real and virtual currencies applied in the converting step and the pre-converting step may be different from each other.

In one embodiment of the present invention, the method may further include notifying completion of settlement when the selling order is concluded.

In one embodiment of the present invention, the method may further include the step of paying the settlement amount indicated by the real currency unit to the card company as a payment amount.

The method of performing card settlement using a virtual currency according to an embodiment of the present invention is advantageous in that payment can be made using a virtual money in a settlement amount indicated in a real currency unit.

In addition, the method of performing card settlement using the virtual currency according to an embodiment of the present invention can minimize the risk due to the real-time value change of the virtual currency.

FIG. 1 schematically shows a system configuration in which a method for performing card settlement using a virtual currency is performed according to an embodiment of the present invention.

2 is a flowchart illustrating a method of performing card settlement using a virtual currency according to an embodiment of the present invention.

3 to 6 are diagrams for explaining each step in which a method of performing card settlement using a virtual currency according to an embodiment of the present invention is performed.

7 is a flowchart illustrating a method of performing card settlement using a virtual currency according to another embodiment of the present invention.

8 is a view for explaining some steps in which a method of performing card settlement using a virtual currency according to another embodiment of the present invention is performed.

9 is a flowchart illustrating a method of performing card settlement using a virtual currency according to another embodiment of the present invention.

10 is a diagram for explaining some steps in which a method for performing card settlement using a virtual currency according to another embodiment of the present invention is performed.

FIG. 11 is a block diagram of a system in which a method for performing card settlement using virtual currency according to another embodiment of the present invention is performed.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings. In describing the present invention, if it is judged that it is possible to make the gist of the present invention obscure by adding a detailed description of a technique or configuration already known in the field, it is omitted from the detailed description. In addition, terms used in the present specification are terms used to appropriately express the embodiments of the present invention, which may vary depending on the person or custom in the relevant field. Therefore, the definitions of these terms should be based on the contents throughout this specification.

The terminology used herein is for the purpose of describing particular embodiments only and is not intended to limit the invention. The singular forms as used herein include plural forms as long as the phrases do not expressly express the opposite meaning thereto. As used herein, the meaning of "comprising" embodies certain features, areas, integers, steps, operations, elements and / or components, And the like.

Hereinafter, a method of performing card settlement using a virtual currency according to an embodiment of the present invention will be described with reference to FIGS. 1 to 6 attached hereto.

Referring to FIG. 1, a system for performing card settlement using virtual money includes a virtual money exchange server 100, a credit card company server 200, and a payment terminal 300. The virtual money exchange server 100, the credit card company server 200, and the payment terminal 300 may be connected to each other through a communication network such as the Internet. The communication network includes both wired and wireless communication. For example, the communication network may be composed of various communication networks such as a local area network (LAN), a metropolitan area network (MAN), and a wide area network (WAN).

The virtual money exchange server 100 is a server apparatus for converting virtual money and real money to each other. The virtual money exchange server 100 may perform a transaction task of mutually converting one or more types of virtual money, one or more types of virtual money and real money, but hereafter, for the sake of convenience of the invention, And a server apparatus that performs transaction work for switching a specific kind of real money to each other. In the following example, the virtual currency is a bit coin, and the real currency is Korean won (KRW). However, the present invention is not limited to this kind of virtual money or real money.

The conversion rate can be changed in real time when the virtual currency and the real currency are switched to each other through the virtual money exchange server 100. [ The conversion rate between the virtual currency and the real currency can be determined by the buying and selling orders of the trading participants. The virtual money exchange server 100 may be operated by a virtual money exchange.

If the virtual currency is implemented by a block chain, the virtual currency exchange can participate as a participant in the block chain system. Also, a trader who trades virtual currency in a virtual currency exchange can participate as a participant in the block chain system. However, in some cases, a trader who trades a virtual currency at a virtual currency exchange may not only participate as a participant in a block chain, but also create and retain a virtual currency account through the exchange. Hereinafter, an account of a virtual currency is referred to as an electronic wallet.

In order to perform card settlement using virtual currency, the card user must have an electronic purse capable of trading and holding virtual currency in the virtual currency exchange. If the virtual currency is implemented by a block chain, the card user may participate as a participant in the block chain system, as described above, or may only generate and retain the electronic wallet through the exchange without participating as a participant in the block chain.

In order to perform card settlement using virtual money, the user's card to be paid must be connected to the user's electronic wallet. To this end, the virtual money exchange server 100 stores and stores the stored data of the user's electronic wallet and the user's card. To this end, the user may provide his / her card information and the information of his / her own wallet to the card issuer server 200 in advance.

The virtual money exchange server 100 may inquire the virtual money balance of the electronic wallet arbitrarily or with the consent of the holder of the electronic wallet. And may transmit the determined result to the credit card company server 200 based on the virtual money balance of the electronic wallet.

The card issuer server 200 is a server apparatus that processes various jobs for card settlement and stores related databases. The card issuer server 200 may be operated by a card issuer or a separate entity that performs settlement or may be a program in a virtual money exchange server. The card issuer server 200 may determine whether or not payment is possible, determine whether payment is approved, and approve payment.

The payment terminal 300 may be a terminal operated by a card user to pay. The user terminal 300 may be, for example, a device such as a smart phone, a tablet computer, a PDA device, a wearable device wearable on the body, a multimedia player, and the like, and has a function to be connected to a communication network such as the Internet.

The payment terminal 300 is equipped with a function of supporting card payment of a card user. The function of supporting the card settlement may be installed from the beginning in the payment terminal 300, or may be provided by an application downloaded from the Internet or the like installed by the user. Specifically, an application downloaded and installed by a user on the Internet can be an application card payment application.

Various services of the virtual money exchange server 100 and the card issuer server 200 will be described in detail below.

Each of the steps described below are the steps performed by the virtual money exchange server 100 in the above-described system.

Referring to FIG. 2, a method for performing card settlement using a virtual currency according to the present invention includes: storing and matching data of a user's electronic purse and a user card (S100); receiving information on a payment request and a payment amount (S300), determining whether payment is possible (S400), purchasing the payment amount from the user's electronic wallet (S500), selling the payment amount (S600), notifying the completion of settlement (S700), and paying the settlement amount (S800).

The steps of some of the listed steps may be omitted or replaced with other similar functions. In addition, the listed steps are not necessarily executed sequentially according to the listed order, and the order to be performed may be changed when there is no special condition constrained to the following relation.

FIG. 3 shows that the step S100 of performing matching and storing data of the user electronic wallet and the user card is performed.

A step S80 of requesting matching of the electronic wallet and the card before the virtual money exchange server 100 performs matching the data of the user electronic wallet and the user card and storing the matching data in step S100, (S90) may be performed first. Where at least one of step S80 and step S90 may be omitted.

In step S80, the payment terminal 300 requests the card issuer server 200 to match the information of the user's electronic wallet and the user's card. The step S80 may be performed by a user's operation. In this process, the payment terminal 300 can receive information for identifying the user's electronic wallet stored in the virtual money exchange server 100. [ Information about the input user's electronic wallet is transmitted to the card company.

The step S90 of transmitting the user card data is performed after the card issuer server 200 receives the request. In step S90, the card issuer server 200 transmits the data of the user card requested to be matched and stored to the virtual money exchange server 100. Here, the card issuer server 200 can transmit information to identify the user's electronic wallet to the virtual money exchange server 100 together.

After the two steps S80 and S90 are performed, matching and storing data of the user electronic wallet and the user card may be performed (S100).

A step other than the two steps S80 and S90 may be performed before the matching and storing step S100 is performed. For example, the payment terminal 300 directly accesses the virtual money exchange server 100 and directly inputs data of a user card matching the user's electronic wallet. Accordingly, the virtual money exchange server 100 can match and store data of the user's electronic wallet and the user card using the input data.

The step S100 of matching and storing data of the user electronic wallet and the user card is performed by the virtual money exchange server 100 in which the user's electronic wallet stored in the virtual money exchange server and the user card And stores the matching data. Here, the matching and storing means that the payment based on the settlement of the user card can be paid using the virtual money balance of the user's electronic wallet.

FIG. 4 illustrates a step S200 of receiving information on a payment request and a payment amount, a step S300 of converting a payment amount into a virtual currency unit, and a step S400 of determining whether payment is possible .

Hereinafter, each of the above steps will be described in detail.

First, a step of requesting payment (S190) may be performed before the step S200 of receiving the information on the payment request and the payment amount is performed.

The step of requesting settlement (step S190) is a step in which the settlement terminal 300 requests the card issuer server 200 for a specific settlement. The payment request may include information such as a payment amount, a card to be paid, and a payment form. When the payment request is received (step S190) and the card company server 200 receives the payment request from the payment terminal 300, the step S200 of receiving the payment request and the payment amount information is performed.

In step S200, the virtual money exchange server 100 receives information on the payment request and payment amount of the user card matched with the user's electronic wallet from the card issuer server 200 . Here, the payment amount is expressed in real currency units. For example, the payment amount may be denominated in KRW.

The step of converting the settlement amount into the virtual currency unit (S300) is a step of converting the settlement amount indicated by the real currency unit into the virtual currency unit. The conversion of the real money and the virtual money may be applied to the conversion. As described above, the conversion rate can be changed in real time. It is preferable that the conversion rate at the time when the step S300 is performed is applied in the step S300 of converting the payment amount to the virtual denomination. The conversion rate at the time of performing the step S300 of converting the payment amount to the virtual currency unit may be the market price conversion rate of the exchange at the time point.

For example, if the settlement amount indicated by the real currency is 1,000,000 KRW and the conversion rate of 1 BTC (bit coin) is 1,000,000 KRW / BTC, the settlement amount is 1 BTC in the step of converting the settlement amount into the virtual currency unit (S300) .

The step of determining whether or not payment is possible (S400) is a step of comparing the settlement amount converted into the virtual currency with the virtual money balance of the user's electronic wallet in the step of converting (S300) and determining whether or not the settlement is possible.

If it is determined in step S400 that payment can be made, the subsequent steps S500, S600, S700, and S800 may continue. If it is determined in step S400 that payment can not be made, it is possible to notify the card company server 200 or the payment terminal 300 about the payment.

FIG. 5 is a flowchart illustrating an example of a process of purchasing a payment amount from a user's electronic wallet (S500), placing an order to sell a payment amount (S600), notifying completion of payment (S700) Is performed.

6 is a block diagram for explaining that a step of buying a payment amount from a user's electronic wallet (S500), a step of placing an order to sell a payment amount (S600), and a step of paying a payment amount (S800) are performed .

Hereinafter, each of the above steps will be described in detail with reference to FIGS. 5 and 6. FIG.

If it is determined in step S400 that the payment can be made, the step S500 of purchasing the payment amount from the user's electronic wallet is performed.

The step of purchasing the payment amount from the user's electronic wallet (S500) is a step of purchasing the payment amount converted from the virtual wallet unit from the user's electronic wallet in the conversion step (S300).

Here, a manager's electronic purse P200 that is different from the user's electronic purse P100 can be used. The manager's electronic wallet P200 is an electronic wallet possessed by the virtual money exchange server 100 used for performing card settlement of a user using the user's electronic wallet P100.

In step S500, the manager's electronic wallet P200 acquires the settlement amount converted into the virtual currency unit in the step S300 of converting from the user's electronic wallet P100. However, during the purchase process, the purchase price of a separate virtual currency is not paid to the user's electronic wallet. The purchase price of the virtual currency is paid to the credit card company as the payment amount in the step S800 of paying the settlement price, which will be described later.

As described above, if the settlement amount indicated by the real currency is 1,000,000 KRW, the conversion rate of the real currency and the virtual currency at the conversion step S300 is 1,000,000 (won / BTC), and the payment amount indicated by the virtual currency is 1BTC will be described. In this case, in step S500, the manager's electronic purse P200 buys 1BTC from the user's electronic purse P100. However, the manager electronic wallet P200 does not pay the purchase price of 1BTC to the user electronic wallet P100.

In the step S600 of placing an order to sell the settlement amount, the order to sell the settlement amount converted into the virtual currency unit in the conversion step S300 is performed.

Also in this case, a manager's electronic purse P200 that is different from the user's electronic purse P100 is used. The virtual money exchange server 100 makes an order to sell the settlement amount converted into the virtual currency unit in the step S300 of converting from the manager's electronic purse P200. The order means selling the virtual currency to the exchange market (P300). Therefore, the other party of the sale in the order is not designated as a specific person.

In the step S600 of placing an order to sell, the order may be an order selling order. Here, the conversion rate applied in the conversion step S300 may be applied.

If the settlement amount indicated by the real currency is 1,000,000 KRW and the conversion rate of the real currency and the virtual currency in the conversion step S300 is 1,000,000 KRW / BTC as described above, in the conversion step S300 Explain the case where the settlement amount converted into virtual currency is 1 BTC. In this case, in step S500, the manager's electronic purse P200 buys 1BTC from the user's electronic purse P100. Then, in step S600, the manager's wallet P200 places an order to sell 1BTC for 1,000,000 won. Here a conversion rate of 1,000,000 won / BTC is applied.

The step of making a selling order (S600) may be performed simultaneously with the embedding step (S500). Furthermore, the transforming step S300, the embedding step S500, and the selling ordering step S600 may all be performed substantially simultaneously. Therefore, in this case, the market may be the same as the conversion rate applied in step S300 when the step S600 of performing the placing order is performed. In this case, the order in the selling order step (S600) is a designated selling order but is substantially the same as the market selling order order, so that the selling transaction will be concluded immediately on the selling order.

However, unlike the above-described case, the step S600 of performing the selling and the step S300 of converting are not performed at the same time, so that a case where the selling price of the order in step S600 is different from the market price at that time have. In this case, in the step S600 of placing a selling order, the order may be a market selling order.

Specifically, if the conversion rate (the value of the real currency for the unit virtual currency) applied in the step S600 of placing a selling order that is greater than the conversion rate (the value of the real currency for the unit virtual currency) applied in the conversion step S300 is high The selling price (physical currency) according to the step S600 of placing a selling order may be larger than the payment amount.

For example, since the settlement amount indicated by the real money is 1,000,000 won and the conversion rate of the real money and the virtual currency in the conversion step S300 is 1,000,000 (won / BTC), the conversion is performed in step S300, Explain when the payment amount is 1 BTC. In this case, if the conversion rate of the real currency and the virtual currency in the selling order step S600 is 1,050,000 won / BTC, the order to sell 1BTC is to be sold for 1,050,000 won in the step S600 .

On the other hand, if the conversion rate (the value of the real currency for the unit virtual currency) applied in the step S600 of placing a selling order that is greater than the conversion rate (the value of the real currency for the unit virtual currency) applied in the conversion step S300 is low The selling price (physical currency) according to the step S600 of placing a selling order may be smaller than the payment amount.

For example, since the settlement amount indicated by the real money is 1,000,000 won and the conversion rate of the real money and the virtual currency in the conversion step S300 is 1,000,000 (won / BTC), the conversion is performed in step S300, Explain when the payment amount is 1 BTC. In this case, if the conversion rate of the real currency and the virtual currency at the step S600 of performing a selling order is 950,000 (won / BTC), the order to sell 1BTC is to be sold at 950,000 won at the step S600 .

Referring to FIG. 5 again, the step S700 of notifying the completion of the settlement is a step in which the virtual money exchange server 100 notifies the credit card company server 200 or the settlement terminal 300 of the completion of settlement. The virtual money exchange server 100 determines that the settlement is completed when the buying step S 500 and the selling order making step S 600 are completed and notifies the credit card company server 200 or the payment terminal 300 of the completion of settlement .

In step S800, the virtual money exchange server 100 pays the payment amount indicated by the real money unit to the credit card company. Here, the payment amount is the same as the payment amount received in the step of receiving the information (S200).

Here, it can be understood that the settlement price paid by the virtual currency exchange server 100 is paid by selling the virtual currency in the step S600 of placing a selling order (S600). If the conversion rate applied in the step S 300 of converting the payment amount to the virtual currency unit and the conversion rate applied in the selling order finally concluded by the order of step S 600 to make a selling order are the same, S800) will be the same as the selling price of the selling order (S600) (when the transaction fee is not taken into consideration).

However, if the conversion rate applied in step S300 of converting the payment amount to the virtual denomination is different from the conversion rate applied in the selling order finally concluded by the order of step S600, (S800) will be different from the selling price of the selling order (S600) (when the transaction fee is not taken into consideration).

Accordingly, if the conversion rate applied in step S300 of converting the payment amount to the virtual currency unit is higher than the conversion rate applied in the sales order finally concluded by the order of step S600, 100) will ultimately suffer damage. On the contrary, if the conversion rate applied in step S300 of converting the payment amount to the virtual currency unit is lower than the conversion rate applied in the sale order finally concluded by the order of step S600 of placing a selling order, the virtual money exchange server 100 ) Will ultimately benefit.

Hereinafter, a method of performing card settlement using virtual currency according to another embodiment of the present invention will be described with reference to FIGS. 7 and 8. FIG.

Referring to FIG. 7, a method for performing card settlement using a virtual currency according to the present invention includes: storing and matching data of a user's electronic wallet and a user card (S100); receiving information on a payment request and a payment amount A step S 400 of converting the settlement amount into a virtual currency unit, a step of determining whether the settlement is possible (S 400), transmitting information about the settlement amount converted into the virtual currency unit (S 450) (S460), a step of purchasing the payment amount from the user's electronic wallet (S500), a step of selling the payment amount (S600), a step of notifying the completion of the payment (S700) and paying the payment amount (S800).

The present embodiment described with reference to FIGS. 7 and 8 is different from the above-described embodiment with reference to FIG. 1 to FIG. 6 in that information on a payment amount converted into a virtual currency unit is transmitted (S450) (S460) of receiving information requesting continued processing. For convenience of explanation, the description of the present embodiment will be focused on the points different from the above-described embodiment with reference to Figs. 1 to 6.

The step S450 of transmitting the information about the settlement amount converted into the virtual currency unit and the step S460 of receiving the information requesting the continuation of the settlement are performed after the step S300 of converting and after the step of converting S500) is performed.

Referring to FIG. 8, in operation S450, the virtual money exchange server 100 transmits information on the settlement amount converted into the virtual currency unit. In step S400, And transmits information on the amount to the card issuer server 200 or the payment terminal 300. The transmitting step S450 is performed after the converting step S300 and the determining whether the payment is possible (S400).

8 shows that information is transmitted to the card issuer server 200 in the transmitting step S450. In this case, the card issuer server 200 transmits the information on the settlement amount converted into the virtual currency unit in the converting step (S300) to the payment terminal 300 again (S451) to confirm the proceeding of settlement do. When the settlement terminal 300 confirms the progress of settlement against the card issuer server 200 (S452), the card issuer server 200 transmits information requesting the continuation of such settlement to the virtual currency exchange server 100 And the virtual money exchange server 100 receives this information (S460).

Although not shown in the figure, it is possible that information is directly transmitted to the payment terminal 300 in the transmitting step (S450), as the case may be. In this case, the payment terminal 300 transmits the information requesting the proceeding of settlement to the virtual money exchange server 100, and the virtual money exchange server 100 receives the information.

According to the present embodiment, a card user can confirm whether a payment amount indicated by a virtual currency unit is sold in response to a payment, and decide whether to continue payment. Thus, for example, if the card user is informed that a virtual money amount greater than the payment amount indicated in the virtual currency unit to be sold is expected to be sold, the card user can be notified of the message not to proceed.

However, according to this embodiment, a time lag occurs between the time at which the converting step S300 is performed, the buying step S500, and the selling ordering step S600. This is because the card user has to confirm between step S300 and steps S500 and S600 and the step of transmitting the information has to be performed. Therefore, the conversion rates of the real and virtual currencies applied in the conversion step S300 and the conversion rates of the real currency and the virtual currency applied in the step S500 for embedding and the step S600 for making a selling order may differ. This may result in a problem that a settlement amount in step S200 and an inconsistency in selling price in step S600 may occur.

For example, since the settlement amount indicated by the real money is 1,000,000 won and the conversion rate of the real money and the virtual currency in the conversion step S300 is 1,000,000 (won / BTC), the conversion is performed in step S300, Explain when the payment amount is 1 BTC. In this case, it may take a predetermined time while transmitting the information about the settlement amount converted into the virtual denomination (S450) and receiving the information requesting the continuation of settlement (S460). If the conversion rate of the real currency and the virtual currency in the buying step S500 and the selling order placing step S600 is 950,000 won / BTC, the selling step S600 may proceed the market selling 1BTC will be ordered to sell for 950,000 won. As a result, the actual payment amount is 1,000,000 won, but the sale price is 950,000 won.

As an opposite example, if the conversion rate of the physical currency and the virtual currency in the buying step S500 and the selling order making step S600 is 1,0500,000 won / BTC, ) Will be able to sell the market and order 1BTC to sell for 1,050,000 won. As a result, the actual payment amount is 1,000,000 won, but the selling price is 1,050,000 won.

Hereinafter, a method of performing card settlement using a virtual currency according to another embodiment of the present invention will be described with reference to FIGS. 9 and 10. FIG.

Referring to FIG. 9, a method of performing card settlement using a virtual currency according to an embodiment of the present invention includes: storing and matching data of a user's electronic wallet and a user card (S100); receiving information on a payment request and a payment amount A step S250 of converting the settlement amount into a virtual currency unit S250, a step S260 of determining whether the settlement is possible, a step S270 of transmitting information on the settlement amount pre-converted into the virtual currency unit A step S200 of converting the payment amount into a virtual currency unit, a step of purchasing the payment amount from the user's electronic wallet (S500), a step of selling the payment amount (S600), notifying the completion of payment (S700), and paying the payment amount (S800).

The present embodiment described with reference to FIG. 9 and FIG. 10 includes a step S250 of pre-converting a settlement amount into a virtual currency unit in comparison with the embodiment described above with reference to FIGS. 1 to 6, (S260), transmitting information about the settlement amount that has been pre-converted into the virtual currency unit (S270), and receiving the information requesting the continuation of settlement (S280). (S400) is not included. For convenience of explanation, the description of the present embodiment will be focused on the points different from the above-described embodiment with reference to Figs. 1 to 6.

A step S260 of converting the settlement amount into a virtual currency unit, a step S260 of determining whether the settlement is possible, a step S270 of transmitting information on a settlement amount pre-converted into a virtual currency unit, The step of receiving the information requesting the progress (S280) is preferably performed after the step S200 of receiving the information on the payment request and the payment amount is performed and before the step S300 of converting is performed.

Referring to FIG. 10, the pre-conversion step (S250) is performed before the virtual money exchange server 100 performs conversion (S300). The pre-conversion step S250 is a step of pre-converting the settlement amount into a virtual currency unit, and is temporally separated from the conversion step S300 performed later.

Specifically, the settlement amount converted into the virtual currency in the pre-conversion step S250 is determined in step S260 and the step S270 of transmitting the information on the settlement amount pre-converted into the virtual currency unit , It is not used in the step of purchasing (S500) and the step of making a selling order (S600). As described above, the settlement amount converted into the virtual currency in the converting step (S300) is used in the buying step (S500) and the selling order making step (S600).

The settlement amount converted into the virtual currency in the pre-conversion step (S250) may be different from the settlement amount converted into the virtual currency in the subsequent conversion step (S300). This may be due to the time difference between the pre-conversion step S250 and the converting step S300.

The step S260 of determining whether payment is possible is a step of comparing the settlement amount converted into the virtual currency with the virtual money balance of the user's electronic wallet in the pre-conversion step S250 and determining whether or not the settlement is possible.

If it is determined in step S260 that payment can be made, it is possible to continue the subsequent steps S270, S280, S300, S500, S600, S700, and S800. If it is determined in step S260 that payment can not be made, it is possible to notify the card company server 200 or the payment terminal 300 about the payment.

Since the step S260 of determining whether or not the payment is possible in this embodiment is performed, the above-described step S400 may be omitted in some cases.

The step S270 of transmitting information on the settlement amount that has been pre-converted into the virtual currency unit is a step of transferring the information on the settlement amount that has been pre-converted into the virtual currency unit in the pre-conversion step S250 by the virtual money exchange server 100, To the server (200) or the payment terminal (300).

10, information is transmitted to the card issuer server 200 in step S270. In this case, the card issuer server 200 transmits the information on the settlement amount converted into the virtual currency unit in the pre-conversion step (S250) to the payment terminal 300 again to request the confirmation of the proceeding of the settlement (S271) . When the settlement terminal 300 confirms the progress of the settlement against the card issuer server 200 (S272), the card issuer server 200 transmits information requesting the continuation of the settlement to the virtual currency exchange server 100 And the virtual money exchange server 100 receives this information (S280).

Although not shown in the drawings, it is possible that information is directly transmitted to the payment terminal 300 in step S270, as the case may be. In this case, the payment terminal 300 transmits the information requesting the proceeding of settlement to the virtual money exchange server 100, and the virtual money exchange server 100 receives the information.

According to the present embodiment, the card user can roughly check how much of the settlement amount indicated by the virtual currency unit is sold in response to settlement, and decide whether to continue the settlement. However, there may be a difference between the settlement amount displayed in the virtual currency unit and the settlement amount displayed in the virtual currency unit actually sold because of the difference between the conversion rate in the pre-conversion step (S250) and the conversion rate in the conversion step (S300) .

However, according to the present embodiment, the parallax between the time when the converting step S300 is performed, the buying step (S500), and the selling order (S600) is relatively minimized. This is because the card user confirms between step S300 and steps S500 and S600 and the step of transmitting information is omitted. Therefore, it is highly likely that the conversion rate of the real and virtual currencies applied in the conversion step S300 and the conversion rate of the real currency and the virtual currency applied in the step S500 of buying and selling S600, . This has the advantage that the settlement amount at step S200 and the selling price at step S600 can be matched.

For example, since the settlement amount indicated by the real currency is 1,000,000 won and the conversion rate of the real currency and the virtual currency in the pre-conversion step S250 is 1,000,000 (won / BTC), the virtual currency Explain the case where the converted payment amount is 1 BTC. In this case, the settlement amount pre-converted into the virtual currency unit in the step S270 of transmitting information on the settlement amount that has been pre-converted into the virtual currency unit becomes 1BTC. The card user expects 1BTC to be sold in his / her wallet in response to a settlement of 1,000,000 won. When the card user confirms the continuation of the settlement and receives the information requesting the continuation of the settlement (S280), the step of converting (S300) is performed.

However, if the conversion rate of the real currency and the virtual currency in the conversion step S300 is 950,000 (won / BTC), the payment amount converted into the virtual currency in the conversion step S300 becomes approximately 1.053BTC. Accordingly, in step S500 of embedding, approximately 1.053 BTC is embedded from the user's electronic wallet.

Also, in the step S600 of making a selling order, an order for selling about 1.053 BTC is made. Here, the selling order in the step S600 of placing a selling order is the order selling order, and the designation may be determined by the conversion rate applied in the converting step S300. In this case, when the order to sell 1.053 BTC is concluded, the selling price will be KRW 1,000,000. As a result, the settlement amount indicated by the real currency becomes equal to the selling price.

As an opposite example, if the conversion rate of the physical currency and the virtual currency in the conversion step S300 is 1,050,000 (won / BTC), the payment amount converted into the virtual currency in the conversion step S300 is approximately 0.952 BTC do. Accordingly, in step S500 of embedding, approximately 0.952 BTC is embedded from the user's electronic wallet.

Also, in the step S600 of placing a sell order, approximately 0.952 BTC is sold. Here, the selling order in the step S600 of placing a selling order is the order selling order, and the designation may be determined by the conversion rate applied in the converting step S300. In this case, when the order to sell 0.952 BTC is concluded, the selling price will be 1,000,000 won. As a result, the settlement amount indicated by the real currency becomes equal to the selling price.

FIG. 11 schematically shows a system configuration in which a method for performing card settlement using a virtual currency is performed according to another embodiment of the present invention.

The embodiment described with reference to FIG. 11 will be described mainly on the points different from the embodiment described with reference to FIG. 1 to FIG. The present embodiment differs in that the payment terminal 300 is a terminal operated by a seller in a system in which a method of performing card settlement using virtual money is performed.

Referring to FIG. 1, a system for performing card settlement using virtual money includes a virtual money exchange server 100, a credit card company server 200, and a payment terminal 300.

Here, the payment terminal 300 may be a terminal operated by a seller (a card merchant) who sells goods or services to a card user. The payment terminal 300 may be, for example, a card payment terminal 200, a POS machine having a card payment function, a tablet computer having a card payment function, a personal computer, or the like. In this case, a card (including a substitute card such as a real card or an app card) connected to the account of the virtual currency is read to the payment terminal 300 of the seller.

According to the method of performing card settlement using the virtual currency described above, the user of the card requests the settlement indicated by the unit of real currency, and the card company also receives the settlement money in the real currency, There is an advantage that the card settlement can be performed using the virtual money. In addition, the Exchange server purchases virtual money from the user's electronic wallet and orders the virtual money to the market, thereby minimizing the risk of loss due to the value change of the virtual currency, have.

The embodiments of the method for performing card settlement using the virtual currency of the present invention have been described above. The present invention is not limited to the above-described embodiments and the accompanying drawings, and various modifications and changes may be made by those skilled in the art to which the present invention pertains. Accordingly, the scope of the present invention should be determined not only by the claims of the present specification, but also by equivalents to the claims.

100: Virtual Currency Exchange Server

200: card company server

300: Payment terminal

Claims

A method for a virtual money exchange server to perform card settlement using virtual money,

Matching and storing data of a user's electronic wallet and a user card stored in the virtual money exchange server;

Receiving information on a payment request and a payment amount of a user card matched with the user electronic wallet, the payment amount being displayed in units of real money;

Converting the payment amount into a virtual currency unit;

(B) purchasing a payment amount converted into a virtual currency unit from the user's electronic wallet in the converting step; And

And placing an order for selling the settlement amount converted into the virtual currency unit in the conversion step.
The method according to claim 1,

The manager electronic wallet distinguished from the user electronic wallet is stored in the virtual money exchange server,

Wherein the step of embedding comprises the step of transferring the settlement amount converted from the user's electronic wallet to the manager's electronic wallet in the converting step.
The method according to claim 1,

The manager electronic wallet distinguished from the user electronic wallet is stored in the virtual money exchange server,

Wherein the selling order is a step of placing an order for selling a settlement amount converted into a virtual currency unit in the manager's electronic wallet in the conversion step.
The method according to claim 1,

Wherein the buying step and the selling order step are performed simultaneously using the virtual currency.
The method according to claim 1,

Wherein the step of making a selling order is to place a designation selling order.
6. The method of claim 5,

Wherein the predetermined price in the designated selling order is used for the virtual payment using the virtual currency determined by the conversion rate of the real currency and the virtual currency applied in the conversion step.
The method according to claim 1,

Wherein the selling ordering step is to place a market-selling order.
The method according to claim 1,

The method of claim 1,

Further comprising the step of comparing the settlement amount converted into the virtual currency unit and the virtual money balance of the user electronic wallet to determine whether or not the settlement is possible, in the converting step.
The method according to claim 1,

The method of claim 1,

And transmitting information on the settlement amount converted into the virtual currency unit to the card company server or the payment terminal in the converting step.
10. The method of claim 9,

The method of claim 1,

Further comprising receiving from the card company server or the payment terminal information for requesting continuation of settlement of payment.
The method according to claim 1,

Wherein the step of converting comprises:

Converting the payment amount into a virtual currency unit; And

And transmitting the information on the settlement amount pre-converted into the virtual currency unit to the card company server and the payment terminal in the pre-conversion step.
12. The method of claim 11,

The method comprising the steps of:

Further comprising receiving from the card company server or the payment terminal information for requesting continuation of settlement of payment.
15. The method of claim 14,

Wherein the conversion of the real money and the virtual money applied at the converting step and the pre-converting step is a conversion rate at a different point in time.
The method according to claim 1,

Further comprising the step of notifying completion of payment when the selling order is concluded.
The method according to claim 1,

And paying the payment amount indicated by the physical currency unit to the credit card company as a payment amount.