WO2019160188A1 - System and method for blockchain-based simple payment service - Google Patents

System and method for blockchain-based simple payment service Download PDF

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Publication number
WO2019160188A1
WO2019160188A1 PCT/KR2018/002909 KR2018002909W WO2019160188A1 WO 2019160188 A1 WO2019160188 A1 WO 2019160188A1 KR 2018002909 W KR2018002909 W KR 2018002909W WO 2019160188 A1 WO2019160188 A1 WO 2019160188A1
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Prior art keywords
payment request
payment
virtual currency
blockchain
user account
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PCT/KR2018/002909
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French (fr)
Korean (ko)
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연삼흠
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(주)드림니다
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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
    • G06Q20/38—Payment protocols; Details thereof
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • 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
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/06—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols the encryption apparatus using shift registers or memories for block-wise or stream coding, e.g. DES systems or RC4; Hash functions; Pseudorandom sequence generators

Definitions

  • the present invention relates to a simple payment service system and method, and more particularly to a blockchain-based simple payment service system and method.
  • Cryptocurrency is handled in a decentralized system way that utilizes blockchain technology. Each time a new transaction occurs, the information is made into a separate block, and the block is linked to an existing book. When a transaction occurs, the book is collated against each other, which makes the operation of the book extremely difficult and maintains strong security.
  • the general simple payment service is linked to a credit card or a bank account, and thus cannot use the simple payment service for virtual currency transactions.
  • registered patent No. 10-1813256 name of the invention: payment system using a virtual currency transaction, publication date: December 29, 2017
  • registered patent No. 10-1628007 invention
  • the name of the transaction The trading system of digital cryptocurrency with blockchain between the parties, the date of publication: June 13, 2016).
  • the present invention has been proposed to solve the above problems of the existing proposed methods, according to the payment request to subtract the pay point corresponding to the payment request amount in the user account, and buy and sell blockchain-based cryptocurrency
  • the transaction information is composed based on the blockchain, so it is highly secure and can be linked with various cryptocurrencies, and price volatility can be stabilized by buying and selling cryptocurrencies.
  • the purpose of the actual payment is to provide a realistic and convenient blockchain-based simple payment service system and method using Pay Points.
  • Blockchain-based simple payment service system according to a feature of the present invention for achieving the above object
  • a payment request confirmation module for checking a payment request generated in a user account
  • a point management module for subtracting a pay point corresponding to a payment request amount from the user account according to the payment request confirmed by the payment request confirmation module;
  • a virtual currency trading module for buying a blockchain-based virtual currency having a value corresponding to the payment request amount and selling the purchased virtual currency
  • Including the settlement module for paying the payment request amount to the merchant is characterized by its configuration.
  • the payment request confirmation module Preferably, the payment request confirmation module,
  • the payment request generated by the QR code assigned to the user account may be checked, and payment request information including the payment merchant and the payment request amount may be checked.
  • the point management module Preferably, the point management module,
  • the user device may request charging of the pay point.
  • the virtual currency trading module it is possible to buy and sell the virtual currency through the virtual currency exchange.
  • the virtual currency trading module sells the virtual currency of the user account at the request of the user device,
  • the point management module may charge the user account with a pay point corresponding to the selling amount of the virtual currency in association with the virtual currency trading module.
  • the virtual currency trading module Preferably, the virtual currency trading module,
  • the settlement module Preferably, the settlement module, the settlement module, the settlement module, and
  • the predetermined fee according to the payment request may be subtracted from the payment request amount.
  • Blockchain-based simple payment service method for achieving the above object
  • the service server As a simple payment service method, the service server,
  • step (1) subtracting a pay point corresponding to the payment request amount from the user account according to the payment request confirmed in step (1);
  • (5) characterized in that it comprises the step of paying the payment request amount to the merchant.
  • a payment point corresponding to a payment request amount is subtracted from a user account according to a payment request, and a blockchain-based virtual currency is bought and sold,
  • transaction information is composed based on blockchain, so it is highly secure and can be linked with various cryptocurrencies, and price volatility can be stabilized by buying and selling cryptocurrencies, and actual payment There is a realistic and convenient to use Pay Points.
  • FIG. 1 is a block diagram of a blockchain-based simple payment service system according to an embodiment of the present invention.
  • FIG. 2 is a block diagram illustrating a detailed configuration of a service server in a blockchain-based simple payment service system according to an embodiment of the present invention.
  • FIG. 2 is a block diagram illustrating a detailed configuration of a service server in a blockchain-based simple payment service system according to an embodiment of the present invention.
  • FIG. 3 is a diagram illustrating a simple payment service provided in a blockchain-based simple payment service system according to an embodiment of the present invention.
  • Figure 4 is a blockchain-based simple payment service system according to an embodiment of the present invention, a view showing an example of the screen of the user device displayed a QR code for easy payment.
  • FIG. 5 is a diagram illustrating an example of a screen of a user device displaying customer information and a balance in a blockchain-based simple payment service system according to an embodiment of the present invention.
  • FIG. 6 is a diagram illustrating a flow of a blockchain-based simple payment service method according to an embodiment of the present invention.
  • Blockchain-based simple payment service system according to a feature of the present invention
  • a payment request confirmation module for checking a payment request generated in a user account
  • a point management module for subtracting a pay point corresponding to a payment request amount from the user account according to the payment request confirmed by the payment request confirmation module;
  • a virtual currency trading module for buying a blockchain-based virtual currency having a value corresponding to the payment request amount and selling the purchased virtual currency
  • Including the settlement module for paying the payment request amount to the merchant is characterized by its configuration.
  • FIG. 1 is a block diagram of a blockchain-based simple payment service system 10 according to an embodiment of the present invention.
  • the blockchain-based simple payment service system 10 may be implemented by the service server 100 transmitting and receiving various data with the user device 200 and an affiliated store. Can be.
  • the service server 100 may change the payment request amount from the user account according to the generated payment request. Deduct corresponding pay points, buy and sell blockchain-based cryptocurrencies, and pay payments to merchants. Detailed configuration of the service server 100 will be described later with reference to FIG. 2.
  • the user device 200 may be a device that transmits / receives data to and from the service server 100 through a network and may use a simple payment service.
  • the user device 200 may include a device such as a smartphone, a tablet PC, a wearable device, and a personal computer.
  • the user device 200 is not limited to the above-described types of devices, and if the simple payment service provided by the service server 100 is available through the network, the user device 200 may be included in the user device 200 regardless of the specific type. have.
  • the network may be a wired network such as a local area network (LAN), a wide area network (WAN) or a value added network (VAN), a mobile radio communication network, or a satellite communication network.
  • LAN local area network
  • WAN wide area network
  • VAN value added network
  • WIBRO Wireless broadband Internet
  • HSDPA high speed downlink packet access
  • the simple payment application 210 for using the simple payment service provided by the service server 100 may be installed and driven in the user device 200.
  • the user may make a payment using a simple payment service provided by the service server 100 at an online or offline merchant, and may operate the simple payment application 210 to check information of a user account, a payment history, a balance, and the like. You can make a payment request.
  • the affiliated store may be an online / offline business that subscribes to the service server 100 to receive payment of a user using a simple payment service provided by the service server 100. That is, when the user visits the merchant to drive the simple payment application 210 installed in the user device 200 and presents the QR code provided to the user account, the merchant may request the payment by scanning the presented QR code and the like. have.
  • a user can use a simple payment service by scanning a QR code using a mobile terminal at an affiliate store without additional affiliate fee or facility installation cost.
  • the service server 100 to lower the merchant fee and set the payback period to the shortest period, such as up to one day, thereby improving convenience of the merchant and allowing users to use the simple payment service of the present invention in many merchants. Can be.
  • FIG. 2 is a block diagram of the detailed configuration of the service server 100 in the blockchain-based simple payment service system 10 according to an embodiment of the present invention.
  • the service server 100 of the blockchain-based simple payment service system 10 according to an embodiment of the present invention, the payment request confirmation module 110, point management module 120, It may be configured to include a virtual currency trading module 130 and the settlement module 140.
  • FIG. 3 is a diagram illustrating a simple payment service provided by the blockchain-based simple payment service system 10 according to an embodiment of the present invention.
  • the service server when a user makes a payment using the simple payment service of the present invention at an affiliate store, the service server simultaneously with the payment
  • the 100 may deduct the pay point corresponding to the payment request amount from the user account.
  • the service server 100 may purchase and resell the virtual currency of the value corresponding to the payment request amount, and settle the payment by paying the payment request amount to the affiliated store.
  • the service server 100 in addition to payment and settlement of payment between the user and the affiliated store, the service server 100 internally purchases and sells virtual currency.
  • transaction information is composed on the basis of blockchain, so security can be excellent and interworking with various cryptocurrencies is possible.
  • the price volatility of the virtual currency can be eliminated through this, and the user can easily and conveniently use the pay point for the actual payment.
  • the payment request confirmation module 110 may check the payment request generated in the user account. More specifically, the payment request confirmation module 110 may check the payment request generated by the QR code assigned to the user account, and may check the payment request information including the payment merchant and the payment request amount.
  • the user presents the QR code at the merchant, collects the user account information by scanning the QR code, etc., the billing request information such as user account information, merchant information and payment request amount to the service server 100 I can deliver it.
  • Payment request confirmation module 110 may check the payment request information received from the merchant.
  • FIG. 4 is a diagram illustrating a screen of a user device 200 displaying a QR code for simple payment in the blockchain-based simple payment service system 10 according to an embodiment of the present invention.
  • a user drives the simple payment application 210 installed in the user device 200 and performs simple payment.
  • the QR code may be assigned to a user account, and in some embodiments, a new QR code may be provided for each payment to enhance security.
  • a barcode, serial number, biometric information, or the like may be used instead of a QR code.
  • the point management module 120 may subtract the pay point corresponding to the payment request amount from the user account according to the payment request confirmed by the payment request confirmation module 110.
  • the user may have a pay point in the user account, and the pay point may be used to request payment from the affiliated store. At the same time as the payment point management module 120 may subtract a pay point corresponding to the payment request amount.
  • the point management module 120 may request the user device 200 to charge the pay point. That is, if the pay point of the user account is insufficient, the payment fails, and the charge request of the pay point may be transmitted to the user device 200 together with the payment failure message, and the payment failure message may also be transmitted to the affiliate store.
  • FIG. 5 illustrates an example of a screen of a user device 200 displaying customer information and a balance in a blockchain-based simple payment service system 10 according to an embodiment of the present invention.
  • a user drives a simple payment application 210 installed in the user device 200 to provide customer information. And balance can be confirmed.
  • the simple payment service is interlocked with the blockchain-based virtual currency, various virtual currencies (EWC, ETH), etc., in addition to the pay point (PAY) Can be held in a user account.
  • the user can check the balance of the user account and make a payment request, thereby preventing a payment failure due to insufficient balance, and recharging a pay point if the balance is insufficient before the payment request.
  • the virtual currency trading module 130 may purchase a blockchain-based virtual currency of a value corresponding to a payment request amount and sell the purchased virtual currency.
  • the virtual currency trading module 130 may buy and sell the virtual currency through the virtual currency exchange.
  • the transaction information may be composed of a blockchain technology. Therefore, security is enhanced and safety is high.
  • the virtual currency trading module 130 may exchange virtual currency and pay points. That is, the virtual currency can be converted into a pay point, and the virtual money can be bought using the pay point.
  • the virtual currency trading module 130 sells the virtual currency of the user account according to the request of the user device 200, and the point management module 120 is linked to the virtual currency trading module 130 to virtualize Pay points corresponding to the selling amount of money can be charged to the user account.
  • the user may sell the virtual currency to recharge the pay point.
  • the virtual currency trading module 130 may determine the selling time point of the purchased virtual currency according to the request of the merchant to receive the payment request amount. That is, the affiliated store may be settled in real money, but may be paid in virtual currency of a value corresponding to the settlement request amount, so the virtual currency trading module 130 purchases in response to the settlement request amount. You can earn cryptocurrencies in merchants' accounts.
  • the virtual currency trading module 130 may sell the virtual currency accumulated in the account of the merchant at the time of sale determined by the merchant.
  • the selling point may be set in advance by the affiliate store, and the selling point may be the selling point.
  • the settlement module 140 may pay the affiliated store a payment request amount. That is, the settlement module 140 may pay real money of the payment request amount to the affiliated store, and the payment request amount paid to the affiliated store may be the amount that the virtual currency trading module 130 sold the virtual currency.
  • the settlement module 140 may subtract a predetermined fee according to the payment request from the payment request amount.
  • the predetermined fee may be a certain percentage of the payment request amount, and in some embodiments, may be a specific amount.
  • FIG. 6 is a diagram illustrating a flow of a blockchain-based simple payment service method according to an embodiment of the present invention.
  • the blockchain-based simple payment service method according to an embodiment of the present invention, the step of checking the payment request generated in the user account (S100), the page corresponding to the payment request amount in the user account Deducting points (S200), buying blockchain-based cryptocurrency of the value corresponding to the payment request amount (S300), selling the purchased cryptocurrency (S400) and paying the payment request amount to the merchant It may be implemented including a step (S500).
  • step S100 the service server 100 may check the payment request generated in the user account.
  • Step S100 may be processed by the payment request confirmation module 110 of the service server 100.
  • step S200 the service server 100 may subtract a pay point corresponding to the payment request amount from the user account according to the payment request confirmed in step S100.
  • Step S200 may be processed by the point management module 120 of the service server 100.
  • the service server 100 may purchase a blockchain-based virtual currency having a value corresponding to the payment request amount.
  • Step S300 may be processed by the virtual currency trading module 130 of the service server 100.
  • step S400 the service server 100 may sell the virtual currency purchased in step S300.
  • Step S400 may be processed by the virtual currency trading module 130 of the service server 100.
  • step S500 the service server 100 may pay the affiliated store a payment request amount.
  • Step S500 may be processed by the settlement module 140 of the service server 100.
  • a payment point corresponding to a payment request amount is subtracted from a user account according to a payment request, and a blockchain-based virtual currency is bought and sold,
  • transaction information is composed based on blockchain, so it is highly secure and can be linked with various cryptocurrencies, and price volatility can be stabilized by buying and selling cryptocurrencies, and actual payment There is a realistic and convenient to use Pay Points.

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Abstract

The present invention relates to a system for a blockchain-based simple payment service and, more particularly, to a system for a blockchain-based simple payment service in which a service server comprises: a payment request confirmation module for confirming a payment request generated in a user account; a point management module for subtracting a pay point corresponding to a payment request amount from the user account according to the payment request confirmed by the payment request confirmation module; a virtual currency transaction module for purchasing a blockchain-based virtual currency having a value corresponding to the payment request amount and selling the purchased virtual currency; and a payment module for paying the payment request amount to a member store. In addition, the present invention relates to a method for a blockchain-based simple payment service, more particularly, the method comprising the steps of, by a service server : (1) confirming a payment request generated in a user account; (2) subtracting a pay point corresponding to a payment request amount from the user account according to the payment request confirmed in step (1); (3) purchasing a blockchain-based virtual currency having a value corresponding to the payment request amount; (4) selling the virtual currency purchased in step (3); and (5) paying the payment request amount to a member store. According to the system and the method for a blockchain-based simple payment service, proposed in the present invention, by subtracting the pay point corresponding to the payment request amount from the user account according to the payment request, purchasing and selling the blockchain-based virtual currency, and paying the payment request amount to the member store, it is possible to have excellent security and be linked with various virtual currencies due to transaction information constructed on the basis of blockchain, price volatility may be stabilized through the purchasing and selling of virtual currencies, and it is practical and convenient to use pay points in actual payments.

Description

블록체인 기반의 간편 결제 서비스 시스템 및 방법Blockchain based simple payment service system and method
본 발명은 간편 결제 서비스 시스템 및 방법에 관한 것으로서, 보다 구체적으로는 블록체인 기반의 간편 결제 서비스 시스템 및 방법에 관한 것이다.The present invention relates to a simple payment service system and method, and more particularly to a blockchain-based simple payment service system and method.
화폐가 없었던 때에는 물물교환을 하고, 시간이 지나면서 동전과 지폐가 생기게 되었으며, 점차 기술의 발전과 디지털화가 됨으로써 가상화폐와 같은 새로운 화폐의 개념이 등장하게 되었다. 이러한 가상화폐는 실제로 거래 하는 실물화폐(동전, 지폐)와는 달리 말 그대로 가상환경에서의 실체가 없는 화폐를 의미한다. 최근에는 암호화 기술을 사용하는 화폐라는 의미로 암호화폐(crypto currency)라고도 부르는데, 이러한 가상화폐는 2017년까지 약 1000여종이 있으며, 이 가운데 절반인 약 500여 개가 거래되는 것으로 알려져 있다. 대표적으로 2008년에 처음 개발된 '비트코인'이 있고, 이외에 비교적 활발히 거래되고 있는 가상화폐로는 '이더리움', '리플', '대시', '라이트코인' 등이 있다. 비트코인을 제외한 가상화폐는 알트코인으로 부르기도 한다.When money was not available, barter was exchanged, coins and banknotes were created over time, and the development of technology and digitization gradually led to the emergence of new money concepts such as virtual currency. Unlike real currencies (coins, banknotes), these virtual currencies literally mean no currency in the virtual environment. Recently, it is also called crypto currency, which means cryptocurrency, and there are about 1000 kinds of cryptocurrencies by 2017, about half of which are about 500. Representatively, Bitcoin was first developed in 2008, and other cryptocurrencies that are relatively actively traded include Ethereum, Ripple, Dash, and Litecoin. Virtual currency other than Bitcoin is also called Altcoin.
가상화폐는 블록체인 기술을 활용하는 분산형 시스템 방식으로 처리된다. 새로운 거래가 발생할 때마다 그 정보를 별도의 블록으로 만들고, 이 블록을 기존 장부에 연결하는데, 거래가 발생할 때마다 분산된 장부들을 서로 대조하기 때문에 장부 조작이 극히 어려워 강력한 보안을 유지할 수 있다.Cryptocurrency is handled in a decentralized system way that utilizes blockchain technology. Each time a new transaction occurs, the information is made into a separate block, and the block is linked to an existing book. When a transaction occurs, the book is collated against each other, which makes the operation of the book extremely difficult and maintains strong security.
한편, 신용카드나 각종 간편 결제는 통장에 입금된 결제계좌에서 사용금액이 빠져나가고, 계좌이체를 함으로써 사실 현금의 거래가 이루어지지만, 가상화폐는 현금 없이 가상화폐만으로도 물건을 사고 팔 수 있다. 이러한 가상화폐의 거래는 국내의 경우 '코빗', '빗썸', '코인원' 등의 가상화폐거래소에서 운영되고 있다. 가상화폐거래소는 사용자 본인의 가상계좌에 해당하는 금액만큼 입금하여 원하는 가상화폐를 구매하는 시스템으로 이루어지며, 가상화폐를 전자지갑에 보관하고 거래할 수 있도록 한다.On the other hand, credit cards and various simple payments are actually cash transactions by using the amount of money from the payment account deposited in the bank account and making a bank transfer, but virtual currency can be bought and sold using only virtual currency without cash. Such trading of cryptocurrency is operated in domestic cryptocurrency exchanges such as 'Cobit', 'Bitsome', and 'Coin One'. The cryptocurrency exchange consists of a system that purchases the desired virtual currency by depositing the amount corresponding to the user's virtual account, and allows the virtual currency to be stored and traded in the electronic wallet.
그러나, 일반적인 간편 결제 서비스는 신용카드나 은행계좌 등과 연동되어 있어서, 가상화폐 거래에 간편 결제 서비스를 이용할 수 없는 구조이다. 또한, 가상화폐로 물건을 구매할 수 있는 온/오프라인 상점이 극히 소수로 보편화되어 있지 않을 뿐 아니라, 가상화폐는 가격 변동이 매우 심하여 현실적으로 화폐로서의 기능 수행이 어렵고, 정확한 금액의 결제가 불가능한 한계가 있다.However, the general simple payment service is linked to a credit card or a bank account, and thus cannot use the simple payment service for virtual currency transactions. In addition, there are very few online / offline stores that can purchase goods with virtual currency, and virtual currency has a severe price fluctuation, making it difficult to carry out functions as a currency in reality, and it is impossible to make accurate payments. .
한편, 본 발명과 관련된 선행기술로서, 등록특허 제10-1813256호(발명의 명칭: 가상화폐거래를 이용한 결제 시스템, 공고일자: 2017년 12월 29일), 등록특허 제10-1628007호(발명의 명칭: 당사자간 블록체인을 갖는 디지털 가상화폐의 거래시스템, 공고일자: 2016년 06월 13일) 등이 개시된 바 있다.On the other hand, as the prior art related to the present invention, registered patent No. 10-1813256 (name of the invention: payment system using a virtual currency transaction, publication date: December 29, 2017), registered patent No. 10-1628007 (invention) The name of the transaction: The trading system of digital cryptocurrency with blockchain between the parties, the date of publication: June 13, 2016).
본 발명은 기존에 제안된 방법들의 상기와 같은 문제점들을 해결하기 위해 제안된 것으로서, 결제요청에 따라 사용자 계정에서 결제요청금액에 대응하는 페이 포인트를 차감하고, 블록체인 기반의 가상화폐를 매수 및 매도하며, 결제요청금액을 가맹점에 지급함으로써, 블록체인 기반으로 거래 정보가 구성되어 보안성이 우수하고 다양한 가상화폐와 연동이 가능하며, 가상화폐의 매수 및 매도를 통해 가격변동성을 안정화할 수 있고, 실제 결제에는 페이 포인트를 사용하여 현실적이고 편리한, 블록체인 기반의 간편 결제 서비스 시스템 및 방법을 제공하는 것을 그 목적으로 한다.The present invention has been proposed to solve the above problems of the existing proposed methods, according to the payment request to subtract the pay point corresponding to the payment request amount in the user account, and buy and sell blockchain-based cryptocurrency By paying the payment request amount to the merchant, the transaction information is composed based on the blockchain, so it is highly secure and can be linked with various cryptocurrencies, and price volatility can be stabilized by buying and selling cryptocurrencies. The purpose of the actual payment is to provide a realistic and convenient blockchain-based simple payment service system and method using Pay Points.
상기한 목적을 달성하기 위한 본 발명의 특징에 따른 블록체인 기반의 간편 결제 서비스 시스템은,Blockchain-based simple payment service system according to a feature of the present invention for achieving the above object,
간편 결제 서비스 시스템으로서, 서비스 서버가,As a simple payment service system, a service server,
사용자 계정에서 발생한 결제요청을 확인하는 결제요청 확인 모듈;A payment request confirmation module for checking a payment request generated in a user account;
상기 결제요청 확인 모듈에서 확인된 결제요청에 따라, 상기 사용자 계정에서 결제요청금액에 대응하는 페이 포인트를 차감하는 포인트 관리 모듈;A point management module for subtracting a pay point corresponding to a payment request amount from the user account according to the payment request confirmed by the payment request confirmation module;
상기 결제요청금액에 대응하는 가치의 블록체인 기반의 가상화폐를 매수하고, 상기 매수한 가상화폐를 매도하는 가상화폐 매매 모듈; 및A virtual currency trading module for buying a blockchain-based virtual currency having a value corresponding to the payment request amount and selling the purchased virtual currency; And
상기 결제요청금액을 가맹점에 지급하는 정산 모듈을 포함하는 것을 그 구성상의 특징으로 한다.Including the settlement module for paying the payment request amount to the merchant is characterized by its configuration.
바람직하게는, 상기 결제요청 확인 모듈은,Preferably, the payment request confirmation module,
상기 사용자 계정에 할당된 QR 코드에 의해 발생한 결제요청을 확인하며, 결제 가맹점 및 결제요청금액을 포함하는 결제요청 정보를 확인할 수 있다.The payment request generated by the QR code assigned to the user account may be checked, and payment request information including the payment merchant and the payment request amount may be checked.
바람직하게는, 상기 포인트 관리 모듈은,Preferably, the point management module,
상기 사용자 계정에 보관된 페이 포인트가 상기 결제요청금액 미만이면, 사용자 디바이스에 상기 페이 포인트의 충전을 요청할 수 있다.When the pay point stored in the user account is less than the payment request amount, the user device may request charging of the pay point.
바람직하게는, 상기 가상화폐 매매 모듈은, 가상화폐 거래소를 통해 상기 가상화폐를 매수 및 매도할 수 있다.Preferably, the virtual currency trading module, it is possible to buy and sell the virtual currency through the virtual currency exchange.
바람직하게는,Preferably,
상기 가상화폐 매매 모듈은, 상기 사용자 디바이스의 요청에 따라, 상기 사용자 계정의 가상화폐를 매도하며,The virtual currency trading module sells the virtual currency of the user account at the request of the user device,
상기 포인트 관리 모듈은, 상기 가상화폐 매매 모듈과 연동하여 상기 가상화폐의 매도 금액에 대응하는 페이 포인트를 상기 사용자 계정에 충전할 수 있다.The point management module may charge the user account with a pay point corresponding to the selling amount of the virtual currency in association with the virtual currency trading module.
바람직하게는, 상기 가상화폐 매매 모듈은,Preferably, the virtual currency trading module,
상기 결제요청금액을 지급받을 가맹점의 요청에 따라, 상기 매수한 가상화폐의 매도 시점을 결정할 수 있다.At the request of the merchant to receive the payment request amount, it is possible to determine when to sell the purchased virtual currency.
바람직하게는, 상기 정산 모듈은,Preferably, the settlement module,
상기 결제 요청에 따른 미리 정해진 수수료를 상기 결제요청금액에서 차감하여 지급할 수 있다.The predetermined fee according to the payment request may be subtracted from the payment request amount.
상기한 목적을 달성하기 위한 본 발명의 특징에 따른 블록체인 기반의 간편 결제 서비스 방법은,Blockchain-based simple payment service method according to a feature of the present invention for achieving the above object,
간편 결제 서비스 방법으로서, 서비스 서버가,As a simple payment service method, the service server,
(1) 사용자 계정에서 발생한 결제요청을 확인하는 단계;(1) confirming a payment request generated in the user account;
(2) 상기 단계 (1)에서 확인된 결제요청에 따라, 상기 사용자 계정에서 결제요청금액에 대응하는 페이 포인트를 차감하는 단계;(2) subtracting a pay point corresponding to the payment request amount from the user account according to the payment request confirmed in step (1);
(3) 상기 결제요청금액에 대응하는 가치의 블록체인 기반의 가상화폐를 매수하는 단계;(3) buying a blockchain-based virtual currency having a value corresponding to the payment request amount;
(4) 상기 단계 (3)에서 매수한 가상화폐를 매도하는 단계; 및(4) selling the virtual currency purchased in step (3); And
(5) 상기 결제요청금액을 가맹점에 지급하는 단계를 포함하는 것을 그 구성상의 특징으로 한다. (5) characterized in that it comprises the step of paying the payment request amount to the merchant.
본 발명에서 제안하고 있는 블록체인 기반의 간편 결제 서비스 시스템 및 방법에 따르면, 결제요청에 따라 사용자 계정에서 결제요청금액에 대응하는 페이 포인트를 차감하고, 블록체인 기반의 가상화폐를 매수 및 매도하며, 결제요청 금액을 가맹점에 지급함으로써, 블록체인 기반으로 거래 정보가 구성되어 보안성이 우수하고 다양한 가상화폐와 연동이 가능하며, 가상화폐의 매수 및 매도를 통해 가격변동성을 안정화할 수 있고, 실제 결제에는 페이 포인트를 사용하여 현실적이고 편리하다. According to the blockchain-based simple payment service system and method proposed by the present invention, a payment point corresponding to a payment request amount is subtracted from a user account according to a payment request, and a blockchain-based virtual currency is bought and sold, By paying the payment request amount to the merchant, transaction information is composed based on blockchain, so it is highly secure and can be linked with various cryptocurrencies, and price volatility can be stabilized by buying and selling cryptocurrencies, and actual payment There is a realistic and convenient to use Pay Points.
도 1은 본 발명의 일실시예에 따른 블록체인 기반의 간편 결제 서비스 시스템의 구성을 도시한 도면.1 is a block diagram of a blockchain-based simple payment service system according to an embodiment of the present invention.
도 2는 본 발명의 일실시예에 따른 블록체인 기반의 간편 결제 서비스 시스템에서, 서비스 서버의 세부적인 구성을 도시한 도면.FIG. 2 is a block diagram illustrating a detailed configuration of a service server in a blockchain-based simple payment service system according to an embodiment of the present invention. FIG.
도 3은 본 발명의 일실시예에 따른 블록체인 기반의 간편 결제 서비스 시스템에서 제공되는 간편 결제 서비스를 도식화하여 도시한 도면.3 is a diagram illustrating a simple payment service provided in a blockchain-based simple payment service system according to an embodiment of the present invention.
도 4는 본 발명의 일실시예에 따른 블록체인 기반의 간편 결제 서비스 시스템에서, 간편 결제를 위한 QR 코드가 표시된 사용자 디바이스의 화면을 예를 들어 도시한 도면.Figure 4 is a blockchain-based simple payment service system according to an embodiment of the present invention, a view showing an example of the screen of the user device displayed a QR code for easy payment.
도 5는 본 발명의 일실시예에 따른 블록체인 기반의 간편 결제 서비스 시스템에서, 고객 정보 및 잔고가 표시된 사용자 디바이스의 화면을 예를 들어 도시한 도면.FIG. 5 is a diagram illustrating an example of a screen of a user device displaying customer information and a balance in a blockchain-based simple payment service system according to an embodiment of the present invention.
도 6은 본 발명의 일실시예에 따른 블록체인 기반의 간편 결제 서비스 방법의 흐름을 도시한 도면.6 is a diagram illustrating a flow of a blockchain-based simple payment service method according to an embodiment of the present invention.
본 발명의 특징에 따른 블록체인 기반의 간편 결제 서비스 시스템은,Blockchain-based simple payment service system according to a feature of the present invention,
간편 결제 서비스 시스템으로서, 서비스 서버가,As a simple payment service system, a service server,
사용자 계정에서 발생한 결제요청을 확인하는 결제요청 확인 모듈;A payment request confirmation module for checking a payment request generated in a user account;
상기 결제요청 확인 모듈에서 확인된 결제요청에 따라, 상기 사용자 계정에서 결제요청금액에 대응하는 페이 포인트를 차감하는 포인트 관리 모듈;A point management module for subtracting a pay point corresponding to a payment request amount from the user account according to the payment request confirmed by the payment request confirmation module;
상기 결제요청금액에 대응하는 가치의 블록체인 기반의 가상화폐를 매수하고, 상기 매수한 가상화폐를 매도하는 가상화폐 매매 모듈; 및A virtual currency trading module for buying a blockchain-based virtual currency having a value corresponding to the payment request amount and selling the purchased virtual currency; And
상기 결제요청금액을 가맹점에 지급하는 정산 모듈을 포함하는 것을 그 구성상의 특징으로 한다.Including the settlement module for paying the payment request amount to the merchant is characterized by its configuration.
이하, 첨부된 도면을 참조하여 본 발명이 속하는 기술분야에서 통상의 지식을 가진 자가 본 발명을 용이하게 실시할 수 있도록 바람직한 실시예를 상세히 설명한다. 다만, 본 발명의 바람직한 실시예를 상세하게 설명함에 있어, 관련된 공지 기능 또는 구성에 대한 구체적인 설명이 본 발명의 요지를 불필요하게 흐릴 수 있다고 판단되는 경우에는 그 상세한 설명을 생략한다. 또한, 유사한 기능 및 작용을 하는 부분에 대해서는 도면 전체에 걸쳐 동일한 부호를 사용한다.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. However, in describing the preferred embodiment of the present invention in detail, if it is determined that the detailed description of the related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. In addition, the same reference numerals are used throughout the drawings for parts having similar functions and functions.
덧붙여, 명세서 전체에서, 어떤 부분이 다른 부분과 '연결' 되어있다고 할 때, 이는 '직접적으로 연결' 되어 있는 경우뿐만 아니라, 그 중간에 다른 소자를 사이에 두고 '간접적으로 연결' 되어 있는 경우도 포함한다. 또한, 어떤 구성요소를 '포함' 한다는 것은, 특별히 반대되는 기재가 없는 한 다른 구성요소를 제외하는 것이 아니라 다른 구성요소를 더 포함할 수 있다는 것을 의미한다.In addition, throughout the specification, when a part is 'connected' to another part, it is not only 'directly connected' but also 'indirectly connected' with another element in between. Include. In addition, the term 'comprising' of an element means that the element may further include other elements, not to exclude other elements unless specifically stated otherwise.
도 1은 본 발명의 일실시예에 따른 블록체인 기반의 간편 결제 서비스 시스템(10)의 구성을 도시한 도면이다. 도 1에 도시된 바와 같이, 본 발명의 일실시예에 따른 블록체인 기반의 간편 결제 서비스 시스템(10)은, 서비스 서버(100)가 사용자 디바이스(200) 및 가맹점과 각종 데이터를 송수신하여 구현될 수 있다.1 is a block diagram of a blockchain-based simple payment service system 10 according to an embodiment of the present invention. As shown in FIG. 1, the blockchain-based simple payment service system 10 according to an embodiment of the present invention may be implemented by the service server 100 transmitting and receiving various data with the user device 200 and an affiliated store. Can be.
즉, 사용자가 가맹점에서 상품 또는 서비스를 구매하면서, 서비스 서버(100)가 제공하는 간편 결제 서비스를 이용하여 결제요청을 하면, 발생한 결제요청에 따라 서비스 서버(100)가 사용자 계정에서 결제요청금액에 대응하는 페이 포인트를 차감하고, 블록체인 기반의 가상화폐를 매수 및 매도하며, 결제요청금액을 가맹점에 지급할 수 있다. 서비스 서버(100)의 세부적인 구성에 대해서는 추후 도 2를 참조하여 상세히 설명하도록 한다.That is, when a user purchases a product or a service at a merchant, and makes a payment request using a simple payment service provided by the service server 100, the service server 100 may change the payment request amount from the user account according to the generated payment request. Deduct corresponding pay points, buy and sell blockchain-based cryptocurrencies, and pay payments to merchants. Detailed configuration of the service server 100 will be described later with reference to FIG. 2.
사용자 디바이스(200)는, 네트워크를 통해 서비스 서버(100)와 데이터를 송수신하며, 간편 결제 서비스 이용이 가능한 디바이스일 수 있다. 여기서, 사용자 디바이스(200)는, 스마트폰(Smartphone), 태블릿 PC(Tablet PC), 웨어러블(Wearable) 기기 및 PC(Personal Computer) 등의 디바이스를 포함할 수 있다. 그러나 사용자 디바이스(200)는, 전술한 디바이스의 종류에 한정되지 않으며, 네트워크를 통해 서비스 서버(100)에서 제공하는 간편 결제 서비스를 사용할 수 있다면 그 구체적인 종류에 관계없이 사용자 디바이스(200)에 포함될 수 있다.The user device 200 may be a device that transmits / receives data to and from the service server 100 through a network and may use a simple payment service. Here, the user device 200 may include a device such as a smartphone, a tablet PC, a wearable device, and a personal computer. However, the user device 200 is not limited to the above-described types of devices, and if the simple payment service provided by the service server 100 is available through the network, the user device 200 may be included in the user device 200 regardless of the specific type. have.
본 발명에서 네트워크는 근거리 통신망(Local Area Network; LAN), 광역 통신망(Wide Area Network; WAN) 또는 부가가치 통신망(Value Added Network; VAN) 등과 같은 유선 네트워크나 이동 통신망(Mobile Radio Communication Network), 위성 통신망, WIBRO(Wireless Broadband Internet), HSDPA(High Speed Downlink Packet Access) 등과 같은 모든 종류의 무선 네트워크를 포함할 수 있다.In the present invention, the network may be a wired network such as a local area network (LAN), a wide area network (WAN) or a value added network (VAN), a mobile radio communication network, or a satellite communication network. , Wireless broadband Internet (WIBRO), high speed downlink packet access (HSDPA), and the like.
또한, 사용자 디바이스(200)에는, 서비스 서버(100)가 제공하는 간편 결제 서비스의 이용을 위한 간편 결제 애플리케이션(210)이 설치 및 구동될 수 있다. 사용자는, 온라인 또는 오프라인 가맹점에서 서비스 서버(100)가 제공하는 간편 결제 서비스를 이용해 결제를 할 수 있으며, 간편 결제 애플리케이션(210)을 구동하여 사용자 계정의 정보, 결제 히스토리, 잔액 등을 확인할 수 있고, 결제요청을 할 수 있다.In addition, the simple payment application 210 for using the simple payment service provided by the service server 100 may be installed and driven in the user device 200. The user may make a payment using a simple payment service provided by the service server 100 at an online or offline merchant, and may operate the simple payment application 210 to check information of a user account, a payment history, a balance, and the like. You can make a payment request.
한편, 가맹점은, 서비스 서버(100)가 제공하는 간편 결제 서비스를 이용하는 사용자의 결제를 받기로 서비스 서버(100)에 가입한 온/오프라인 업소일 수 있다. 즉, 사용자가 가맹점에 방문하여 사용자 디바이스(200)에 설치된 간편 결제 애플리케이션(210)을 구동하고, 사용자 계정에 제공된 QR 코드 등을 제시하면, 가맹점은 제시된 QR 코드 등을 스캔하여 결제요청을 할 수 있다.The affiliated store may be an online / offline business that subscribes to the service server 100 to receive payment of a user using a simple payment service provided by the service server 100. That is, when the user visits the merchant to drive the simple payment application 210 installed in the user device 200 and presents the QR code provided to the user account, the merchant may request the payment by scanning the presented QR code and the like. have.
본 발명의 일실시예에 따른 블록체인 기반의 간편 결제 서비스 시스템(10)에서는, 별도의 가맹비나 시설 설치비용 없이 가맹점에서 휴대 단말기 등을 이용해 QR 코드를 스캔하여 사용자가 간편 결제 서비스를 이용하도록 할 수 있다. 또한, 서비스 서버(100)가 가맹점 수수료를 저렴하게 하고 페이백 기간을 최대 1일 등 최단기간으로 설정함으로써, 가맹점의 편의를 향상시키고 사용자들이 많은 가맹점에서 본 발명의 간편 결제 서비스를 이용할 수 있도록 할 수 있다.In the blockchain-based simple payment service system 10 according to an embodiment of the present invention, a user can use a simple payment service by scanning a QR code using a mobile terminal at an affiliate store without additional affiliate fee or facility installation cost. Can be. In addition, the service server 100 to lower the merchant fee and set the payback period to the shortest period, such as up to one day, thereby improving convenience of the merchant and allowing users to use the simple payment service of the present invention in many merchants. Can be.
도 2는 본 발명의 일실시예에 따른 블록체인 기반의 간편 결제 서비스 시스템(10)에서, 서비스 서버(100)의 세부적인 구성을 도시한 도면이다. 도 2에 도시된 바와 같이, 본 발명의 일실시예에 따른 블록체인 기반의 간편 결제 서비스 시스템(10)의 서비스 서버(100)는, 결제요청 확인 모듈(110), 포인트 관리 모듈(120), 가상화폐 매매 모듈(130) 및 정산 모듈(140)을 포함하여 구성될 수 있다.2 is a block diagram of the detailed configuration of the service server 100 in the blockchain-based simple payment service system 10 according to an embodiment of the present invention. As shown in Figure 2, the service server 100 of the blockchain-based simple payment service system 10 according to an embodiment of the present invention, the payment request confirmation module 110, point management module 120, It may be configured to include a virtual currency trading module 130 and the settlement module 140.
도 3은 본 발명의 일실시예에 따른 블록체인 기반의 간편 결제 서비스 시스템(10)에서 제공되는 간편 결제 서비스를 도식화하여 도시한 도면이다. 도 3에 도시된 바와 같이, 본 발명의 일실시예에 따른 블록체인 기반의 간편 결제 서비스 시스템(10)에서는, 사용자가 가맹점에서 본 발명의 간편 결제 서비스를 이용해 결제를 하면, 결제와 동시에 서비스 서버(100)가 결제요청금액에 대응하는 페이 포인트를 사용자 계정에서 차감할 수 있다. 서비스 서버(100)는 결제요청금액에 대응하는 가치의 가상화폐를 매수하고 다시 매도할 수 있으며, 결제요청금액을 가맹점에 지급하여 정산이 이루어지도록 할 수 있다.3 is a diagram illustrating a simple payment service provided by the blockchain-based simple payment service system 10 according to an embodiment of the present invention. As shown in FIG. 3, in the blockchain-based simple payment service system 10 according to an embodiment of the present invention, when a user makes a payment using the simple payment service of the present invention at an affiliate store, the service server simultaneously with the payment The 100 may deduct the pay point corresponding to the payment request amount from the user account. The service server 100 may purchase and resell the virtual currency of the value corresponding to the payment request amount, and settle the payment by paying the payment request amount to the affiliated store.
이와 같이, 본 발명의 일실시예에 따른 블록체인 기반의 간편 결제 서비스 시스템(10)에서는, 사용자와 가맹점 사이의 결제 및 대금 정산 이외에, 서비스 서버(100)가 내부적으로 가상화폐를 매수 및 매도함으로써, 블록체인 기반으로 거래 정보가 구성되어 보안성이 우수하고 다양한 가상화폐와 연동이 가능할 수 있다. 또한, 가상화폐의 매수 및 매도가 빈번하게 발생하게 되므로, 이를 통해 가상화폐의 가격변동성을 제거할 수 있고, 실제 결제에는 페이 포인트를 사용하므로 사용자가 쉽고 편리하게 안정적으로 사용할 수 있다.As such, in the blockchain-based simple payment service system 10 according to an embodiment of the present invention, in addition to payment and settlement of payment between the user and the affiliated store, the service server 100 internally purchases and sells virtual currency. In addition, transaction information is composed on the basis of blockchain, so security can be excellent and interworking with various cryptocurrencies is possible. In addition, since the purchase and sale of cryptocurrency occurs frequently, the price volatility of the virtual currency can be eliminated through this, and the user can easily and conveniently use the pay point for the actual payment.
이하에서는, 도 2 및 도 3을 참조하여, 본 발명의 일실시예에 따른 블록체인 기반의 간편 결제 서비스 시스템(10)의 서비스 서버(100)를 구성하는 각 구성요소에 대해서 상세히 설명하도록 한다.Hereinafter, referring to FIGS. 2 and 3, each component constituting the service server 100 of the blockchain-based simple payment service system 10 according to an embodiment of the present invention will be described in detail.
결제요청 확인 모듈(110)은, 사용자 계정에서 발생한 결제요청을 확인할 수 있다. 보다 구체적으로는, 결제요청 확인 모듈(110)은, 사용자 계정에 할당된 QR 코드에 의해 발생한 결제요청을 확인하며, 결제 가맹점 및 결제요청금액을 포함하는 결제요청 정보를 확인할 수 있다.The payment request confirmation module 110 may check the payment request generated in the user account. More specifically, the payment request confirmation module 110 may check the payment request generated by the QR code assigned to the user account, and may check the payment request information including the payment merchant and the payment request amount.
즉, 사용자가 가맹점에서 QR 코드를 제시하고, 가맹점에서는 QR 코드를 스캔하는 등으로 사용자 계정 정보를 수집하여, 사용자 계정 정보, 가맹점 정보 및 결제요청금액 등의 결제요청 정보를 서비스 서버(100)에 전달할 수 있다. 결제요청 확인 모듈(110)은 가맹점으로부터 전달받은 결제요청 정보를 확인할 수 있다.That is, the user presents the QR code at the merchant, collects the user account information by scanning the QR code, etc., the billing request information such as user account information, merchant information and payment request amount to the service server 100 I can deliver it. Payment request confirmation module 110 may check the payment request information received from the merchant.
도 4는 본 발명의 일실시예에 따른 블록체인 기반의 간편 결제 서비스 시스템(10)에서, 간편 결제를 위한 QR 코드가 표시된 사용자 디바이스(200)의 화면을 예를 들어 도시한 도면이다. 도 4에 도시된 바와 같이, 본 발명의 일실시예에 따른 블록체인 기반의 간편 결제 서비스 시스템(10)에서는, 사용자가 사용자 디바이스(200)에 설치된 간편 결제 애플리케이션(210)을 구동하고, 간편 결제를 위한 QR 코드를 디스플레이 할 수 있다. 이때, QR 코드는 사용자 계정에 할당된 것일 수 있으며, 실시예에 따라서는 결제시마다 새로운 QR 코드를 제공하여 보안을 강화할 수 있다. 실시예에 따라서는, QR 코드가 아닌 바코드, 일련번호나 생체정보 등을 활용할 수도 있다.FIG. 4 is a diagram illustrating a screen of a user device 200 displaying a QR code for simple payment in the blockchain-based simple payment service system 10 according to an embodiment of the present invention. As shown in FIG. 4, in the blockchain-based simple payment service system 10 according to an exemplary embodiment of the present invention, a user drives the simple payment application 210 installed in the user device 200 and performs simple payment. You can display a QR code for. In this case, the QR code may be assigned to a user account, and in some embodiments, a new QR code may be provided for each payment to enhance security. In some embodiments, a barcode, serial number, biometric information, or the like may be used instead of a QR code.
포인트 관리 모듈(120)은, 결제요청 확인 모듈(110)에서 확인된 결제요청에 따라, 사용자 계정에서 결제요청금액에 대응하는 페이 포인트를 차감할 수 있다. 사용자는 사용자 계정에 페이 포인트를 보유하고 있을 수 있으며, 보유한 페이 포인트를 이용해 가맹점에서 결제요청을 할 수 있다. 결제와 동시에 포인트 관리 모듈(120)은 결제요청금액 상당의 페이 포인트를 차감할 수 있다.The point management module 120 may subtract the pay point corresponding to the payment request amount from the user account according to the payment request confirmed by the payment request confirmation module 110. The user may have a pay point in the user account, and the pay point may be used to request payment from the affiliated store. At the same time as the payment point management module 120 may subtract a pay point corresponding to the payment request amount.
또한, 포인트 관리 모듈(120)은, 사용자 계정에 보관된 페이 포인트가 결제요청금액 미만이면, 사용자 디바이스(200)에 페이 포인트의 충전을 요청할 수 있다. 즉, 사용자 계정의 페이 포인트가 부족하면 결제에 실패하게 되며, 결제 실패 메시지와 함께 페이 포인트의 충전 요청을 사용자 디바이스(200)에 전송할 수있고, 가맹점에도 결제 실패 메시지를 전송할 수 있다.In addition, if the pay point stored in the user account is less than the payment request amount, the point management module 120 may request the user device 200 to charge the pay point. That is, if the pay point of the user account is insufficient, the payment fails, and the charge request of the pay point may be transmitted to the user device 200 together with the payment failure message, and the payment failure message may also be transmitted to the affiliate store.
도 5는 본 발명의 일실시예에 따른 블록체인 기반의 간편 결제 서비스 시스템(10)에서, 고객 정보 및 잔고가 표시된 사용자 디바이스(200)의 화면을 예를 들어 도시한 도면이다. 도 5에 도시된 바와 같이, 본 발명의 일실시예에 따른 블록체인 기반의 간편 결제 서비스 시스템(10)에서는, 사용자가 사용자 디바이스(200)에 설치된 간편 결제 애플리케이션(210)을 구동하여, 고객 정보 및 잔고를 확인할 수 있다. 본 발명의 일실시예에 따른 블록체인 기반의 간편 결제 서비스 시스템(10)에서는, 간편 결제 서비스가 블록체인 기반의 가상 화폐와 연동되므로, 페이 포인트(PAY) 이외에 각종 가상화폐(EWC, ETH) 등을 사용자 계정에 보유하고 있을 수 있다. 사용자는 사용자 계정의 잔고를 확인하고 결제요청을 함으로써, 잔고 부족으로 인한 결제 실패를 방지하고, 결제요청 전에 잔고가 부족하면 페이 포인트를 충전할 수 있다.FIG. 5 illustrates an example of a screen of a user device 200 displaying customer information and a balance in a blockchain-based simple payment service system 10 according to an embodiment of the present invention. As shown in FIG. 5, in the blockchain-based simple payment service system 10 according to an exemplary embodiment of the present invention, a user drives a simple payment application 210 installed in the user device 200 to provide customer information. And balance can be confirmed. In the blockchain-based simple payment service system 10 according to an embodiment of the present invention, since the simple payment service is interlocked with the blockchain-based virtual currency, various virtual currencies (EWC, ETH), etc., in addition to the pay point (PAY) Can be held in a user account. The user can check the balance of the user account and make a payment request, thereby preventing a payment failure due to insufficient balance, and recharging a pay point if the balance is insufficient before the payment request.
가상화폐 매매 모듈(130)은, 결제요청금액에 대응하는 가치의 블록체인 기반의 가상화폐를 매수하고, 매수한 가상화폐를 매도할 수 있다. 이때, 도 3에 도시된 바와 같이, 가상화폐 매매 모듈(130)은, 가상화폐 거래소를 통해 가상화폐를 매수 및 매도할 수 있다. 이와 같이, 간편 결제가 처리될 때마다 가상화폐의 매수 및 매도가 발생하므로, 거래 정보가 블록체인 기술로 구성될 수 있다. 따라서 보안이 강화되며 안전성이 높은 장점이 있다.The virtual currency trading module 130 may purchase a blockchain-based virtual currency of a value corresponding to a payment request amount and sell the purchased virtual currency. In this case, as shown in FIG. 3, the virtual currency trading module 130 may buy and sell the virtual currency through the virtual currency exchange. As such, since the purchase and sale of the virtual currency occurs every time a simple payment is processed, the transaction information may be composed of a blockchain technology. Therefore, security is enhanced and safety is high.
또한, 가상화폐 매매 모듈(130)은, 가상 화폐와 페이 포인트를 상호 전환할 수 있다. 즉, 가상 화폐를 페이 포인트로 변환할 수 있고, 페이 포인트를 이용해 가상 화폐를 매수할 수도 있다.In addition, the virtual currency trading module 130 may exchange virtual currency and pay points. That is, the virtual currency can be converted into a pay point, and the virtual money can be bought using the pay point.
보다 구체적으로는, 가상화폐 매매 모듈(130)은 사용자 디바이스(200)의 요청에 따라, 사용자 계정의 가상화폐를 매도하며, 포인트 관리 모듈(120)은 가상화폐 매매 모듈(130)과 연동하여 가상화폐의 매도 금액에 대응하는 페이 포인트를 사용자 계정에 충전할 수 있다. 즉, 사용자는 가상화폐를 매도하여 페이 포인트를 충전할 수 있다. 이를 통해, 사용자는 가격 변동성이 큰 가상화폐를 페이 포인트로 변환하여 신속하고 안전하게 보관할 수 있으며, 가상화폐를 보유하고자 할 때에는 페이 포인트로 편리하게 가상화폐를 매수할 수 있다.More specifically, the virtual currency trading module 130 sells the virtual currency of the user account according to the request of the user device 200, and the point management module 120 is linked to the virtual currency trading module 130 to virtualize Pay points corresponding to the selling amount of money can be charged to the user account. In other words, the user may sell the virtual currency to recharge the pay point. Through this, a user can quickly and securely store a cryptocurrency with a high price volatility into a pay point, and purchase a cryptocurrency with a pay point when he / she wants to own a virtual currency.
한편, 가상화폐 매매 모듈(130)은, 결제요청금액을 지급받을 가맹점의 요청에 따라, 매수한 가상화폐의 매도 시점을 결정할 수 있다. 즉, 가맹점은, 결제요청금액을 실물화폐로 정산 받을 수 있으나, 결제요청금액에 대응하는 가치의 가상화폐로 지급받고자 할 수도 있으므로, 가상화폐 매매 모듈(130)은 결제요청금액에 대응하여 매수한 가상화폐를 가맹점의 계정에 적립할 수 있다. 가상화폐 매매 모듈(130)은, 가맹점이 결정한 매도 시점에 가맹점의 계정에 적립된 가상화폐를 매도할 수 있다. 여기에서 매도 시점은 가맹점이 미리 설정할 수 있으며, 매도 요청을 하는 시점이 매도 시점이 될 수도 있다.Meanwhile, the virtual currency trading module 130 may determine the selling time point of the purchased virtual currency according to the request of the merchant to receive the payment request amount. That is, the affiliated store may be settled in real money, but may be paid in virtual currency of a value corresponding to the settlement request amount, so the virtual currency trading module 130 purchases in response to the settlement request amount. You can earn cryptocurrencies in merchants' accounts. The virtual currency trading module 130 may sell the virtual currency accumulated in the account of the merchant at the time of sale determined by the merchant. Here, the selling point may be set in advance by the affiliate store, and the selling point may be the selling point.
정산 모듈(140)은, 결제요청금액을 가맹점에 지급할 수 있다. 즉, 정산 모듈(140)은, 결제요청금액의 실물화폐를 가맹점에 지급할 수 있으며, 이때 가맹점에 지급하는 결제요청금액은 가상화폐 매매 모듈(130)이 가상화폐를 매도한 금액일 수 있다.The settlement module 140 may pay the affiliated store a payment request amount. That is, the settlement module 140 may pay real money of the payment request amount to the affiliated store, and the payment request amount paid to the affiliated store may be the amount that the virtual currency trading module 130 sold the virtual currency.
한편, 정산 모듈(140)은, 결제 요청에 따른 미리 정해진 수수료를 결제요청금액에서 차감하여 지급할 수 있다. 미리 정해진 수수료는 결제요청금액의 일정한 비율일 수 있으며, 실시예에 따라서는 특정 액수일 수도 있다.Meanwhile, the settlement module 140 may subtract a predetermined fee according to the payment request from the payment request amount. The predetermined fee may be a certain percentage of the payment request amount, and in some embodiments, may be a specific amount.
도 6은 본 발명의 일실시예에 따른 블록체인 기반의 간편 결제 서비스 방법의 흐름을 도시한 도면이다. 도 6에 도시된 바와 같이, 본 발명의 일실시예에 따른 블록체인 기반의 간편 결제 서비스 방법은, 사용자 계정에서 발생한 결제요청을 확인하는 단계(S100), 사용자 계정에서 결제요청금액에 대응하는 페이 포인트를 차감하는 단계(S200), 결제요청금액에 대응하는 가치의 블록체인 기반의 가상화폐를 매수하는 단계(S300), 매수한 가상화폐를 매도하는 단계(S400) 및 결제요청금액을 가맹점에 지급하는 단계(S500)를 포함하여 구현될 수 있다.6 is a diagram illustrating a flow of a blockchain-based simple payment service method according to an embodiment of the present invention. As shown in Figure 6, the blockchain-based simple payment service method according to an embodiment of the present invention, the step of checking the payment request generated in the user account (S100), the page corresponding to the payment request amount in the user account Deducting points (S200), buying blockchain-based cryptocurrency of the value corresponding to the payment request amount (S300), selling the purchased cryptocurrency (S400) and paying the payment request amount to the merchant It may be implemented including a step (S500).
단계 S100에서는, 서비스 서버(100)가, 사용자 계정에서 발생한 결제요청을 확인할 수 있다. 단계 S100은, 서비스 서버(100)의 결제요청 확인 모듈(110)에 의해 처리될 수 있다.In step S100, the service server 100 may check the payment request generated in the user account. Step S100 may be processed by the payment request confirmation module 110 of the service server 100.
단계 S200에서는, 서비스 서버(100)가, 단계 S100에서 확인된 결제 요청에 따라, 사용자 계정에서 결제요청금액에 대응하는 페이 포인트를 차감할 수있다. 단계 S200은, 서비스 서버(100)의 포인트 관리 모듈(120)에 의해 처리될 수 있다.In step S200, the service server 100 may subtract a pay point corresponding to the payment request amount from the user account according to the payment request confirmed in step S100. Step S200 may be processed by the point management module 120 of the service server 100.
단계 S300에서는, 서비스 서버(100)가, 결제요청금액에 대응하는 가치의 블록체인 기반의 가상화폐를 매수할 수 있다. 단계 S300은, 서비스 서버(100)의 가상화폐 매매 모듈(130)에 의해 처리될 수 있다.In operation S300, the service server 100 may purchase a blockchain-based virtual currency having a value corresponding to the payment request amount. Step S300 may be processed by the virtual currency trading module 130 of the service server 100.
단계 S400에서는, 서비스 서버(100)가, 단계 S300에서 매수한 가상화폐를 매도할 수 있다. 단계 S400은, 서비스 서버(100)의 가상화폐 매매 모듈(130)에 의해 처리될 수 있다.In step S400, the service server 100 may sell the virtual currency purchased in step S300. Step S400 may be processed by the virtual currency trading module 130 of the service server 100.
단계 S500에서는, 서비스 서버(100)가, 결제요청금액을 가맹점에 지급할 수 있다. 단계 S500은, 서비스 서버(100)의 정산 모듈(140)에 의해 처리될 수 있다.In step S500, the service server 100 may pay the affiliated store a payment request amount. Step S500 may be processed by the settlement module 140 of the service server 100.
이상 설명한 본 발명은 본 발명이 속한 기술분야에서 통상의 지식을 가진 자에 의하여 다양한 변형이나 응용이 가능하며, 본 발명에 따른 기술적 사상의 범위는 아래의 특허청구범위에 의하여 정해져야 할 것이다.The present invention described above may be variously modified or applied by those skilled in the art, and the scope of the technical idea according to the present invention should be defined by the following claims.
본 발명에서 제안하고 있는 블록체인 기반의 간편 결제 서비스 시스템 및 방법에 따르면, 결제요청에 따라 사용자 계정에서 결제요청금액에 대응하는 페이 포인트를 차감하고, 블록체인 기반의 가상화폐를 매수 및 매도하며, 결제요청 금액을 가맹점에 지급함으로써, 블록체인 기반으로 거래 정보가 구성되어 보안성이 우수하고 다양한 가상화폐와 연동이 가능하며, 가상화폐의 매수 및 매도를 통해 가격변동성을 안정화할 수 있고, 실제 결제에는 페이 포인트를 사용하여 현실적이고 편리하다. According to the blockchain-based simple payment service system and method proposed by the present invention, a payment point corresponding to a payment request amount is subtracted from a user account according to a payment request, and a blockchain-based virtual currency is bought and sold, By paying the payment request amount to the merchant, transaction information is composed based on blockchain, so it is highly secure and can be linked with various cryptocurrencies, and price volatility can be stabilized by buying and selling cryptocurrencies, and actual payment There is a realistic and convenient to use Pay Points.

Claims (8)

  1. 간편 결제 서비스 시스템(10)으로서, 서비스 서버(100)가, 사용자 계정에서 발생한 결제요청을 확인하는 결제요청 확인 모듈(110);Simple payment service system 10, the service server 100, the payment request confirmation module 110 for confirming the payment request generated in the user account;
    상기 결제요청 확인 모듈(110)에서 확인된 결제요청에 따라, 상기 사용자 계정에서 결제요청금액에 대응하는 페이 포인트를 차감하는 포인트 관리 모듈(120);A point management module 120 for subtracting a pay point corresponding to a payment request amount from the user account according to the payment request confirmed by the payment request confirmation module 110;
    상기 결제요청금액에 대응하는 가치의 블록체인 기반의 가상화폐를 매수하고, 상기 매수한 가상화폐를 매도하는 가상화폐 매매 모듈(130); 및A virtual currency trading module 130 for purchasing a blockchain-based virtual currency having a value corresponding to the payment request amount and selling the purchased virtual currency; And
    상기 결제요청금액을 가맹점에 지급하는 정산 모듈(140)을 포함하는 것을 특징으로 하는, 블록체인 기반의 간편 결제 서비스 시스템.Block settlement based simple payment service system, characterized in that it comprises a payment module 140 for paying the payment request amount to the merchant.
  2. 제1항에 있어서, 상기 결제요청 확인 모듈(110)은,The method of claim 1, wherein the payment request confirmation module 110,
    상기 사용자 계정에 할당된 QR 코드에 의해 발생한 결제요청을 확인하며, 결제 가맹점 및 결제요청금액을 포함하는 결제요청 정보를 확인하는 것을 특징으로 하는, 블록체인 기반의 간편 결제 서비스 시스템.Checking the payment request generated by the QR code assigned to the user account, characterized in that for verifying payment request information including payment merchant and payment request amount, blockchain-based simple payment service system.
  3. 제1항에 있어서, 상기 포인트 관리 모듈(120)은,The method of claim 1, wherein the point management module 120,
    상기 사용자 계정에 보관된 페이 포인트가 상기 결제요청금액 미만이면, 사용자 디바이스(200)에 상기 페이 포인트의 충전을 요청하는 것을 특징으로 하는, 블록체인 기반의 간편 결제 서비스 시스템.If the pay point stored in the user account is less than the payment request amount, request to charge the pay point to the user device 200, blockchain-based simple payment service system.
  4. 제1항에에 있어서, 상기 가상화폐 매매 모듈(130)은,The method of claim 1, wherein the virtual currency trading module 130,
    가상화폐 거래소를 통해 상기 가상화폐를 매수 및 매도하는 것을 특징으로 하는, 블록체인 기반의 간편 결제 서비스 시스템.Blockchain-based simple payment service system, characterized in that to buy and sell the virtual currency through a virtual currency exchange.
  5. 제1항에 있어서,The method of claim 1,
    상기 가상화폐 매매 모듈(130)은, 상기 사용자 디바이스(200)의 요청에 따라, 상기 사용자 계정의 가상화폐를 매도하며, 상기 포인트 관리 모듈(120)은, 상기 가상화폐 매매 모듈(130)과 연동하여 상기 가상화폐의 매도 금액에 대응하는 페이 포인트를 상기 사용자 계정에 충전하는 것을 특징으로 하는, 블록체인 기반의 간편 결제 서비스 시스템.The virtual currency trading module 130 sells the virtual currency of the user account at the request of the user device 200, and the point management module 120 is linked with the virtual currency trading module 130. And charge the user account with a pay point corresponding to the selling amount of the virtual currency.
  6. 제1항에 있어서, 상기 가상화폐 매매 모듈(130)은,According to claim 1, The virtual currency trading module 130,
    상기 결제요청금액을 지급받을 가맹점의 요청에 따라, 상기 매수한 가상화폐의 매도 시점을 결정하는 것을 특징으로 하는, 블록체인 기반의 간편 결제 서비스 시스템.Blockchain-based simple payment service system, characterized in that for determining the point of sale of the purchased virtual currency, in accordance with the request of the merchant to receive the payment request amount.
  7. 제1항에 있어서, 상기 정산 모듈(140)은,The method of claim 1, wherein the settlement module 140,
    상기 결제 요청에 따른 미리 정해진 수수료를 상기 결제요청금액에서 차감하여 지급하는 것을 특징으로 하는, 블록체인 기반의 간편 결제 서비스 시스템.Block payment based simple payment service system, characterized in that for paying a predetermined fee in accordance with the payment request by subtracting from the payment request amount.
  8. 간편 결제 서비스 방법으로서, 서비스 서버(100)가,As a simple payment service method, the service server 100,
    (1) 사용자 계정에서 발생한 결제요청을 확인하는 단계;(1) confirming a payment request generated in the user account;
    (2) 상기 단계 (1)에서 확인된 결제요청에 따라, 상기 사용자 계정에서 결제요청금액에 대응하는 페이 포인트를 차감하는 단계;(2) subtracting a pay point corresponding to the payment request amount from the user account according to the payment request confirmed in step (1);
    (3) 상기 결제요청금액에 대응하는 가치의 블록체인 기반의 가상화폐를 매수하는 단계;(3) buying a blockchain-based virtual currency having a value corresponding to the payment request amount;
    (4) 상기 단계 (3)에서 매수한 가상화폐를 매도하는 단계; 및(4) selling the virtual currency purchased in step (3); And
    (5) 상기 결제요청금액을 가맹점에 지급하는 단계를 포함하는 것을 특징으로 하는, 블록체인 기반의 간편 결제 서비스 방법.(5) a blockchain-based simple payment service method comprising the step of paying the payment request amount to the affiliated store.
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* Cited by examiner, † Cited by third party
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CN112734471A (en) * 2021-01-11 2021-04-30 广州微玫科技有限公司 Public benefit mutual-help platform and system based on block chain
WO2022218424A1 (en) * 2021-04-16 2022-10-20 中国人民银行数字货币研究所 Payment method, apparatus, and system for digital currency

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