WO2019083290A2

WO2019083290A2 - Payment system using virtual money

Info

Publication number: WO2019083290A2
Application number: PCT/KR2018/012686
Authority: WO
Inventors: 강욱태; 유성화
Original assignee: 강욱태; 유성화
Priority date: 2017-10-27
Filing date: 2018-10-25
Publication date: 2019-05-02
Also published as: WO2019083290A3

Abstract

The present invention relates to a payment system using virtual money. The present invention may comprise: a transaction server for managing floating exchange rate money and fixed exchange rate money; and an exchange server for exchanging floating exchange rate money for fixed exchange rate money, whereby a payment system can provide users with fixed exchange rate money which is virtual money, the exchange rate of which is fixed against cash.

Description

Payment system using virtual currency

The present invention relates to a payment system using a virtual currency, and more particularly, to a payment system using a virtual currency including a transaction server and a money exchange server.

In general, electronic money is classified into a plastic card type in which an integrated circuit (IC) chip is embedded and a network type in which information remains in a computer or the like. The virtual money refers to a network type electronic money. Virtual currencies are distributed on the premise that they are valued according to the rules set by the original inventor, and can be exchanged for real money, unlike general currencies issued by governments or central banks.

Since virtual money is stored in a computer hard disk, it does not have to be kept for storage, and there is no fear of theft or loss, so it has the advantage of being a function of value storage. Recently, for the purpose of investment, I am buying.

However, because virtual money is fixed in value, it is not linked to actual cash, so virtual money has instability of value. In other words, although the value of a virtual currency is fixed, the exchange rate may fluctuate or sharply rise between virtual money and cash as the value of cash collapses or surpasses the value of cash. As a result, people with virtual money may suffer injustice .

In addition, since the virtual money uses the block chain technique for securing the security, it takes a considerable amount of time to transfer and pour the virtual money, which makes it difficult to use the virtual money in the offline transaction.

Therefore, a technique for solving the above-described problems is required.

On the other hand, the background art described above is technical information acquired by the inventor for the derivation of the present invention or obtained in the derivation process of the present invention, and can not necessarily be a known technology disclosed to the general public before the application of the present invention .

An embodiment of the present invention is to provide a payment system using virtual money.

According to an aspect of the present invention, there is provided a computer system including a transaction server for managing a variable rate currency and a fixed rate currency, and a currency exchange server for converting the variable rate currency into a fixed rate currency .

According to any one of the above objects of the present invention, the settlement system included in the present invention may include a transaction server and a currency exchange server to provide users with a fixed exchange rate currency with a fixed exchange rate with cash have.

According to any one of the tasks of the present invention described above, the fixed exchange rate currency provided by the payment system included in the present invention can prevent the surge and collapse of value because the exchange rate with cash is fixed, Users who use the system can have a fixed exchange rate currency without instability of the exchange rate.

The effects obtained by the present invention are not limited to the effects mentioned above, and other effects not mentioned can be clearly understood by those skilled in the art from the following description .

FIG. 1 is a block diagram of a billing system using a virtual currency according to an embodiment of the present invention. Referring to FIG.

2 is a block diagram illustrating an internal configuration of a payment server included in a payment system using virtual money according to an embodiment of the present invention.

3 is a block diagram illustrating an internal configuration of a currency exchange server included in a payment system using a virtual currency according to an embodiment of the present invention.

4 is a diagram for explaining a principle of a user accumulating a variable rate currency through a payment system using virtual money, which is an embodiment of the present invention.

5 is a view for explaining a principle of a user accumulating a fixed exchange rate currency through a payment system using virtual money, which is an embodiment of the present invention.

FIG. 6 is a diagram illustrating a principle that a variable rate currency and a fixed rate currency exchanged through a plurality of exchange servers are displayed through a buyer and a user's wallet.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings, which will be readily apparent to those skilled in the art. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. In order to clearly illustrate the present invention, parts not related to the description are omitted, and similar parts are denoted by like reference characters throughout the specification.

Throughout the specification, when a part is referred to as being "connected" to another part, it includes not only "directly connected" but also "indirectly connected". Also, when an element is referred to as " comprising ", it means that it can include other elements as well, without departing from the other elements unless specifically stated otherwise.

Before describing the present invention, the terms derived from the present invention will be described.

BRIEF DESCRIPTION OF THE DRAWINGS The accompanying drawings, which are incorporated in and constitute a part of the specification, illustrate embodiments of the invention and, together with the description, serve to explain the principles of the invention. The payment system using the virtual money according to the present invention will be described in detail with reference to the drawings.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings, which will be readily apparent to those skilled in the art. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. In the drawings, the same reference numerals are given to the same elements throughout the specification.

Throughout the specification, when a part is referred to as being "connected" to another part, it includes not only "directly connected" but also "electrically connected" with another part in between . Also, when an element is referred to as " comprising ", it means that it can include other elements as well, without departing from the other elements unless specifically stated otherwise.

First, each configuration included in the payment system using virtual money according to the present invention will be described in detail with reference to FIG.

As shown in FIG. 1, the payment system using virtual money according to the present invention includes a plurality of

user terminals

100 and 110 connected through a network N, a transaction server 200, and a currency exchange server 300 .

Here, the network N may be a local area network (LAN), a wide area network (WAN), a value added network (VAN), a personal area network (PAN) And may be implemented as any kind of wired or wireless network such as a mobile radio communication network or a satellite communication network.

The

user terminals

100 and 110 may be implemented as a computer, a portable terminal, or a television set capable of accessing a remote server through a network N or being connectable to other terminals and servers. Here, the computer includes, for example, a notebook computer, a desktop computer, a laptop computer, and the like, each of which is equipped with a web browser (WEB Browser), and the portable terminal may be a wireless communication device , Personal Communication System (PCS), Global System for Mobile communications (GSM), Personal Digital Cellular (PDC), Personal Handyphone System (PHS), Personal Digital Assistant (PDA), International Mobile Telecommunication (IMT) Based wireless communication devices, such as a wireless communication device, a wireless communication device, a wireless communication device, a wireless communication device, a wireless communication device, a wireless communication device, a wireless communication device, a wireless communication device, can do. In addition, the television may include an Internet Protocol Television (IPTV), an Internet television (TV), a terrestrial TV, a cable TV, and the like.

When the

user terminal

100 or 110 is a portable terminal such as a smart phone, an application for providing a payment system and a payment method according to an embodiment of the present invention may be installed in a portable terminal, The user can access the online market site through the web browser and receive the service in the form of a web page.

The

user terminals

100 and 110 may be classified into a buyer terminal 100 and a seller terminal 110. At this time, the seller may be the person who wants to supply the goods or services, and the purchaser may be the person who wants to purchase the goods or services.

Hereinafter, the seller may include an online seller in addition to the offline seller, and in the case of the online seller, the seller terminal 110 may include the online seller server. At this time, the merchandise sold by the seller may be a predetermined article or a predetermined service.

The transaction server 200 is a computer capable of communicating with another server or terminal at a remote place via the network N. In response to a request from a plurality of

user terminals

100 and 110, Currency) in the market. At this time, all the users may be sellers and buyers in the market provided by the transaction server 200, and it is not necessary to additionally perform a separate procedure to be distinguished from the general purchaser in order to be registered as a seller.

Hereinafter, an internal configuration of a payment server included in a payment system using virtual money, which is an embodiment of the present invention, will be described with reference to FIG.

2, the transaction server 200 receives a purchase request signal including a type and amount of a virtual currency to be purchased from the buyer terminal 100, receives a purchase request signal from the exchange, A virtual currency purchasing unit 210 for purchasing the virtual currency; A virtual money management unit 220 for accumulating and managing the variable currency and the fixed currency held by the user in the user's purse; And a currency exchange request unit 230 for receiving a currency exchange request signal including an amount of money to be exchanged from the

user terminals

100 and 110 and transmitting the received currency exchange request to the currency exchange server 300, have.

In addition, the transaction server 200 stores and stores the buyer's wallets C1 and C2 corresponding to the buyer terminal 100. [ For example, the transaction server 200 allocates and stores the buyer's wallet A (C1) corresponding to the buyer terminal A (100A), stores the buyer's wallet B (C2) corresponding to the buyer terminal B (100B) . In this manner, the transaction server 200 allocates unique shopper's wallets to each shopper terminal 100 and stores the same.

In addition, the transaction server 200 stores and stores the seller's wallets C3 and C4 corresponding to the seller terminal 100. [ For example, the transaction server 200 allocates and stores the seller's wallet A (C3) corresponding to the seller terminal A (110A), and stores and stores the seller's wallet B (C4) corresponding to the seller terminal B (110B) . In this manner, the transaction server 200 allocates and stores a unique seller's wallet C4 for each seller terminal 100. [

Also, the transaction server 200 can charge the settlement amount to the buyer's wallet C allocated to each buyer terminal. In other words, the user of the user terminal 110 can charge the wallet that has been allocated with a settlement amount.

Hereinafter, an internal configuration of the currency exchange server 300 included in the settlement system using virtual currency, which is an embodiment of the present invention, will be described with reference to FIG.

3 is a block diagram illustrating an internal configuration of a currency exchange server 300 included in a settlement system using a virtual currency according to an embodiment of the present invention.

3, the currency exchange server 300 receives a currency exchange request signal from the transaction server 200 and converts the currency exchange rate currency into a fixed exchange rate currency based on the amount included in the currency exchange request signal. All 310; A virtualization discontinuity transfer unit 320 for transferring the fixed exchange rate currency converted by the virtualization disc closing unit 310 to the virtual currency management unit 220; And a currency conversion unit 330 for inputting the exchange rate between the variable currency currency and the fixed exchange rate currency.

In the present invention, the exchange rate means a exchange rate between predetermined currencies, wherein the fixed exchange rate currency refers to a virtual currency whose exchange rate is fixed with cash by a predetermined criterion, and the variable rate currency (based on demand and supply The term "virtual currency" refers to a currency in which the exchange rate constantly changes with cash.

In the present invention, the exchange M is a market where a virtual currency is traded between a plurality of sellers and a plurality of buyers, and a " bit coin exchange " exists as a representative example. In other words, an exchange (M) is a market in which a virtual currency transaction is concluded by a plurality of traders like a stock market.

At this time, a method of using a fixed exchange rate currency and using a fixed exchange rate currency through a settlement system using virtual currency provided by the transaction server 200 and the exchange server 300 will be described with reference to FIGS. 4 and 5 I will look at it.

FIG. 4 is a diagram illustrating a principle that a user accumulates a variable currency value in a wallet through a payment system using a virtual currency according to an embodiment of the present invention. FIG. 5 is a flowchart illustrating a payment system using a virtual currency, FIG. 4 is a diagram illustrating the principle of a user accumulating a fixed exchange rate currency.

First, the buyer terminal 100 can purchase the variable currency exchange currency to the transaction server 200 based on the input of the user. Specifically, the virtual currency purchasing unit 210 receives the selling request signal including the kind and amount of the variable currency currency for which the selling request has been made, the current exchange rate, etc. from the exchange M and transmits the received information to the buyer terminal 100, As shown in FIG. The buyer terminal 100 sends a buy request signal to the virtual currency purchaser 210 in response to any one of the sell request signals based on the input of the user and the virtual currency purchaser 210 receives the buy request signal You can buy floating currency.

The virtual currency management unit 220 can accumulate the variable currency value in the buyer's purse C1 or C2 by the amount of the variable currency value purchased by the purchaser. For example, suppose that the exchange rate is 1: 100 between cash and the variable currency, and the buyer instructs the buyer terminal 100 to purchase a variable rate currency equivalent to 100,000 won in cash The buyer terminal 100 instructs the transaction server to purchase 1000TOS (hereinafter, TOS is a unit of the variable rate currency), and the virtual currency purchaser 210 of the transaction server 200 purchases The exchange (M) purchases a variable currency equivalent to 1000 TOS. At this time, the virtual currency managing unit 220 accumulates the purchased variable currency denomination 1000TOS in the purchaser's wallet (C). In the above example, a method of purchasing a variable currency using a cash has been described. However, it is only an example, and a variable currency can be purchased in various ways such as a gift certificate, a bar code, and a pin code.

However, as described above, the variable rate currency is changed in real time as described above, so that the seller can avoid payment of goods and services through settlement with the variable currency rate.

Accordingly, the purchaser can request the exchange request unit 230 to change the variable currency currency to the fixed exchange currency currency through the buyer terminal 100. [ The exchange request unit 230 of the transaction server 200 may request the exchange server 300 to exchange the variable currency currency into the fixed exchange rate currency based on the request of the buyer terminal 100, May convert the variable currency to a fixed rate currency based on the exchange rate between the predetermined variable currency rate and the fixed rate currency. At this time, the changed fixed exchange rate currency can be transmitted to the transaction server 200 by the virtualization discontinue transmission unit 320, and the exchange rate is determined by the exchange rate determination unit 330.

More specifically, the exchange rate determining unit 330 can determine the exchange rate between the fixed exchange rate currency and the floating exchange rate currency based on the exchange rate, I can exchange money. At this time, the exchange rate may be pre-set or it may be determined based on the exchange rate between the variable rate currency and cash.

For example, if 5000TOSP is required, if the exchange rate determination unit 330 determines the exchange rate to be 1:10 between the fixed exchange rate currency and the variable rate currency, the virtualization close-up unit 310 receives the 500TOS from the buyer terminal 100, And then forwarded to the transaction server 200.

The buyer has accumulated a variable exchange rate of 1000 TOS in the buyer's purse (C). If the goods or service that the buyer intends to purchase is 5,000 won and the exchange rate between fixed currency and floating exchange rate currency is 1:10 and the exchange rate between cash and fixed exchange rate money is 1: The exchange server 300 may request that 500TOS of 1000TOS be exchanged to 5000TOSP (hereinafter, TOSP is a unit of variable currency).

If the seller considers the stability to be important, the manager directly determines the exchange rate and inputs it to the exchange rate determination unit 330. If the seller desires to change the value of the fixed exchange rate currency by a certain amount The exchange rate determination unit 330 may determine the exchange rate currency and the exchange rate between cash in a predetermined ratio.

For example, the exchange rate determination unit 330 may determine the exchange rate between the floating exchange rate currency and the fixed exchange rate currency at 1:10 based on the input of the manager, but the exchange rate determination unit 330 determines the exchange rate currency and the inter- The exchange rate may be set to 1/10 of the exchange rate currency and the fixed exchange rate currency, and if the variable rate currency and cash exchange rate is 1: 100, the exchange rate may be set at 1: 10 < / RTI >

Even if the exchange rate is input to the exchange rate determination unit 330, it is not invariable, and the exchange rate can be changed and inputted every predetermined period. For example, if the exchange rate between the variable rate currency and the fixed rate currency is entered as 1:10, the manager may change the exchange rate once a month or once every six months, and in exchange with the seller, The period may also be determined.

At this time, the virtual currency management unit 220 subtracts the variable currency value from the buyer's wallets C1 and C2 by the amount of the variable currency value for which the exchange request is made, C2). In the above-described example, the virtual money management unit 220 deducts 500TOS from the variable currency money accumulated in the buyer's purse C1 and C2, and accumulates 5000TOSP in the buyer's purse C1 or C2.

On the other hand, the seller can receive the fixed exchange rate currency in the buyer's purse (C1, C2) while providing goods and services.

The purchaser terminal 100 confirms the payment means of the seller who has purchased the goods and requests the transaction server 200 to perform settlement with the confirmed payment means. For example, if the payment method of the seller who sold the goods is a bar code, the buyer terminal 100 can use the barcode containing the buyer's wallet (C1, C2) information allocated to the transaction server 200 to sell A payment is made to a seller.

The payment method according to the present invention can be paid by various means such as a bar code, a pin code, a mobile gift certificate, and the like.

Specifically, when the seller terminal 110 sells goods and services, the seller can receive a payment for the goods and services in a fixed exchange rate currency. If the buyer terminal 110 presents the payment means, (110) can receive the fixed rate currency from the purchaser's wallet (C) using the payment means. This will be described below.

In general, offline merchants can make payments with a variety of payment methods. For example, an offline merchant may perform settlement using a barcode or perform settlement using an RFID tag. For example, when a buyer makes a settlement using a barcode, the buyer terminal 100 outputs a barcode including information on the buyer's purse (C1, C2), and the seller terminal 110 performs settlement using the barcode .

If payment is started, the seller terminal 100 sends a settlement request signal to the transaction server 200. The settlement request signal may include information on the purchaser's wallets C1 and C2 and information on the settlement amount. Upon receiving the settlement request signal, the virtual currency managing unit 220 transmits a fixed exchange rate currency to the buyer's wallets C1 and C2 ), And the fixed exchange rate currency is accumulated in the seller's purse (C3, C4) by the amount of money.

For example, when the buyer purchases an item worth 5,000 won and the exchange rate between the cash and the fixed currency is determined to be 1:10, when the seller terminal 100 sends a settlement request signal to the transaction server, The money management unit 220 deducts 500TOSP from the purchaser's wallet C1 and C2 and accumulates 500TOSP to the seller's wallet C3 and C4.

In this case, when settlement is performed using the fixed exchange rate currency accumulated in the buyer's purse (C1, C2), there are many advantages unlike the settlement using the existing variable currency. For example, since the value of variable currency is fluctuated in real time, the value of fixed currency is not fluctuated, so it can increase the stability of transaction when using fixed currency.

In addition, since the fixed exchange rate currency has only the amount for offline settlement, even if a hacking is performed, a relatively small amount of money is stolen, and unlike the conventional virtual currency, it does not take much time. In other words, the existing virtual currency takes a lot of time by transferring the virtual currency to another person, but in the case of the fixed exchange rate currency, it can be used without process such as block chain disconnection. .

On the other hand, the sellers exchange the fixed exchange rate currency owned by the seller with cash. For this purpose, the transaction server 200 may include the cash exchange unit 240.

As described above, the fixed exchange rate currency is not changed in real time unlike the variable rate currency. However, if the exchange rate between the fixed exchange rate currency and the floating exchange rate currency is changed drastically, there may be a situation where the exchange rate should be changed between cash and fixed exchange rate currency.

The seller terminal 110 can send a sell request signal including the amount of the fixed exchange currency to be sold to the transaction server 200. When the transaction server 200 receives the sell request signal, the cash exchange unit 240 They will buy fixed exchange rate currencies. The cash exchanging unit 240 converts the purchased fixed exchange rate currency into cash and deposits it in the seller's bank account. In other words, upon receipt of the sell request signal, the cash exchanging unit 240 subtracts the fixed exchange rate currency accumulated in the seller's purse (C3, C4) and transfers the (converted) cash corresponding to the deducted fixed exchange rate currency to the seller account You can send money.

For example, if the seller exchanges 500TOSP for cash in a situation where the exchange rate between the cash and the fixed exchange rate currency is 1:10, the seller terminal 110 transmits the sell request signal to the cash exchange section 240 based on the seller's input . The cash exchanging unit 240 subtracts 500TOSP accumulated in the seller's purse (C3, C4) based on the selling request signal of the seller terminal, and sends the cash of 5000 won to the seller account.

At this time, the exchange rate determination unit 230 may have to change the exchange rate between the variable rate currency and the fixed rate currency based on the manager's input or periodically. However, if the exchange rate change unit 230 suddenly changes the exchange rate, there is a possibility that the seller who owns the fixed exchange rate currency may be injured. Accordingly, when the exchange rate determining unit 230 changes the exchange rate, the sellers must sell the fixed exchange rate currency owned by the seller before the exchange rate change.

The cash exchanging unit 240 of the settlement system using the virtual currency according to an embodiment of the present invention is configured so that the currency exchange unit 240 of the settlement system using the virtual currency exists in the seller's wallets C3 and C4 before a predetermined period Fixed exchange rate Money can be exchanged for cash and sent to the seller account.

For example, if the exchange rate determination unit 230 changes the exchange rate between the fixed exchange rate currency and the cash once a month, the cash exchange unit 240 accumulates the amount of money in the seller's account on the predetermined date before the exchange rate changes every month And the cash amount corresponding to the fixed exchange rate currency is transferred to the seller account.

Hereinafter, the principle that various types of fixed exchange rate currency and variable rate currency are accumulated in the buyer's purse C1 and C2 and the seller's purse C3 and C4 through the plurality of exchange servers 300 will be described.

On the other hand, the exchange server 300 may be arranged according to a predetermined country or region.

Specifically, the fixed exchange rate currency can be determined differently for each specific country. For example, in Korea, Korea's fixed exchange rate currency (KSTOSP), China's Chinese fixed exchange rate currency (CHTOSP), and Japan's Japanese fixed exchange rate currency (JPTOSP). ), And US fixed rate currency (USTOSP).

The currency exchange server 300 can exchange the variable currency currency into different Korean fixed exchange rate currency.

In case of Korean currency exchange server (300KR), TOS is exchanged to KSTOSP. In case of Chinese currency exchange server (300CH), TOS is exchanged to CHTOSP. In case of Japanese currency exchange server (300JP), TOS is exchanged to JPTOSP. 300US), you can exchange TOS for USTOSP.

More specifically, each country or region (eg, autonomous regions such as Hong Kong) has its own monetary system, which determines the exchange rate between currencies, which is different between countries and regions. If a certain person travels abroad, he / she must exchange his / her currency with the currency of the country in question. In this case, the fee should be provided to the bank for the exchange, and there is a possibility that it may be subject to restrictions such as foreign exchange control laws.

According to an embodiment of the present invention, a traveler purchases a TOS using his or her own currency, and the purchased TOS is converted into a TOSP (fixed exchange rate currency) of a specific country and used in the corresponding country. In this case, there is no commission when exchanging money, and TOS plays a role as a key currency.

It will be understood by those skilled in the art that the foregoing description of the present invention is for illustrative purposes only and that those of ordinary skill in the art can readily understand that various changes and modifications may be made without departing from the spirit or essential characteristics of the present invention. will be. It is therefore to be understood that the above-described embodiments are illustrative in all aspects and not restrictive. For example, each component described as a single entity may be distributed and implemented, and components described as being distributed may also be implemented in a combined form.

The scope of the present invention is defined by the appended claims rather than the detailed description and all changes or modifications derived from the meaning and scope of the claims and their equivalents are to be construed as being included within the scope of the present invention do.

Claims

A virtualization cir- cuit whose exchange rate is fixed with cash. Currency exchange. Exchange server that maintains constant currency exchange rate between currency and cash. And

And a currency exchange server for converting the variable currency currency into the fixed currency currency.
The method according to claim 1,

The transaction server includes:

A virtual money purchase unit for setting a purchase request signal including a type of virtual money to be purchased, a money amount, and the like to be purchased from the buyer terminal and purchasing a variable currency exchange currency from the exchange in accordance with the set purchase request signal;

A virtual money management unit for accumulating and managing the variable currency exchange rate and the fixed exchange rate currency held by the user in the user's purchaser's wallet;

And a currency exchange requesting unit for receiving a currency exchange request signal including an amount of money desired to be exchanged from the buyer terminal and transferring the received currency exchange request to the currency exchange server to mediate currency exchange.
3. The method of claim 2,

The currency exchange server comprises:

A virtualization close-up unit that receives a change request signal from a change request unit from a transaction server, and converts the variable currency currency into a fixed exchange rate currency based on the amount included in the change request signal;

A virtualization lung transfer unit for transferring the fixed exchange rate currency exchanged by the exchange unit to the virtual money management unit; And

And a rate determination unit for determining a rate of exchange between the variable rate currency and the fixed rate currency based on the external input.
The method of claim 3,

The exchange rate determination unit may determine,

A billing system using virtual currency, which receives the exchange rate currency and the exchange rate of the fixed exchange rate currency every predetermined cycle.
5. The method of claim 4,

The exchange rate determination unit may determine,

Wherein the exchange rate currency and the fixed exchange rate currency are associated with exchange rates between cash and floating exchange rate currency.
6. The method of claim 5,

The cash-

Wherein the fixed exchange rate currency existing in the seller's wallet is exchanged into cash before the predetermined time period from the time when the exchange rate determination unit changes the exchange rate to the seller account.
The method according to claim 6,

The payment system using the virtual money includes:

A plurality of exchange servers,

The currency exchange server comprises:

A billing system using a virtual currency, which converts the variable rate currency into different fixed rate currency,