WO2019160188A1 - Système et procédé de service de paiement simple fondé sur une chaîne de blocs - Google Patents

Système et procédé de service de paiement simple fondé sur une chaîne de blocs 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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WO
WIPO (PCT)
Prior art keywords
payment request
payment
virtual currency
blockchain
user account
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Application number
PCT/KR2018/002909
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English (en)
Korean (ko)
Inventor
연삼흠
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(주)드림니다
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Publication date
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Publication of WO2019160188A1 publication Critical patent/WO2019160188A1/fr

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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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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Signal Processing (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

La présente invention concerne un système de service de paiement simple fondé sur une chaîne de blocs et plus précisément un système de service de paiement simple fondé sur une chaîne de blocs dans lequel un serveur de service comprend : un module de confirmation de demande de paiement permettant de confirmer une demande de paiement générée dans un compte d'utilisateur ; un module de gestion de point permettant de soustraire un point de paiement correspondant à un montant de demande de paiement du compte d'utilisateur en fonction de la confirmation de la demande de paiement par le module de confirmation de demande de paiement ; un module de transaction de monnaie virtuelle permettant d'acheter une monnaie virtuelle fondée sur une chaîne de blocs présentant une valeur correspondant au montant de demande de paiement et de vendre la monnaie virtuelle achetée ; et un module de paiement permettant de payer le montant de demande de paiement à un magasin membre. De plus, la présente invention concerne un procédé de service de paiement simple fondé sur une chaîne de blocs Plus particulièrement, le procédé consiste, pour un serveur de services : (1) à confirmer une demande de paiement générée dans un compte d'utilisateur ; (2) à soustraire un point de paiement correspondant à un montant de demande de paiement du compte d'utilisateur en fonction de la confirmation de la demande de paiement à l'étape (1) ; (3) à acheter une monnaie virtuelle fondée sur une chaîne de blocs présentant une valeur correspondant au montant de demande de paiement ; (4) à vendre la monnaie virtuelle achetée à l'étape (3) ; et (5) à payer le montant de demande de paiement à un magasin membre. Selon le système et le procédé de service de paiement simple fondé sur une chaîne de blocs de la présente invention, par la soustraction du point de paiement correspondant au montant de demande de paiement du compte d'utilisateur en fonction de la demande de paiement, l'achat et la vente de la monnaie virtuelle fondée sur une chaîne de blocs et le paiement du montant de demande de paiement au magasin membre, il est possible d'obtenir une excellente sécurité et d'être lié à diverses monnaies virtuelles grâce à des informations de transaction construites en fonction d'une chaîne de blocs, la volatilité des prix peut être stabilisée par l'intermédiaire de l'achat et de la vente de monnaies virtuelles, et il est aisé et pratique d'utiliser des points de paiement dans des paiements réels.
PCT/KR2018/002909 2018-02-13 2018-03-13 Système et procédé de service de paiement simple fondé sur une chaîne de blocs WO2019160188A1 (fr)

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KR20180017889 2018-02-13

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Cited By (2)

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Publication number Priority date Publication date Assignee Title
CN112734471A (zh) * 2021-01-11 2021-04-30 广州微玫科技有限公司 基于区块链的公益互助平台及系统
WO2022218424A1 (fr) * 2021-04-16 2022-10-20 中国人民银行数字货币研究所 Procédé, appareil et système de paiement pour monnaie numérique

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KR20150142258A (ko) * 2014-06-11 2015-12-22 이성용 전자 화폐를 이용한 할인 쿠폰 교환 시스템
KR20170123290A (ko) * 2017-07-31 2017-11-07 임종범 전자 화폐 거래 시스템 및 방법
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US20130060681A1 (en) * 2010-05-25 2013-03-07 Nec Soft, Ltd. Settlement and remittance-processing method of virtual money, settlement and remittance-processing system, and settlement and remittance-processing program
KR20120076554A (ko) * 2010-12-01 2012-07-09 주식회사 한국스마트카드 가상계좌를 이용한 거래 수행 방법 및 거래 수행 시스템
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Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN112734471A (zh) * 2021-01-11 2021-04-30 广州微玫科技有限公司 基于区块链的公益互助平台及系统
WO2022218424A1 (fr) * 2021-04-16 2022-10-20 中国人民银行数字货币研究所 Procédé, appareil et système de paiement pour monnaie numérique

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