WO2019194398A1

WO2019194398A1 - Cryptocurrency payment system and cryptocurrency payment method

Info

Publication number: WO2019194398A1
Application number: PCT/KR2019/000804
Authority: WO
Inventors: 박상현
Original assignee: 박상현
Priority date: 2018-04-03
Filing date: 2019-01-19
Publication date: 2019-10-10
Also published as: KR20190115792A; KR102033244B1

Abstract

The present invention relates to a cryptocurrency payment system and a cryptocurrency payment method, and provides a cryptocurrency payment system and a cryptocurrency payment method enabling electronic cryptocurrency, used only in a restricted region, to be used regardless of a nation since the virtual currency possessed in an electronic wallet of a client terminal is payed as local currency in a nation where a client is positioned with respect to a QR code or a card synchronized with the electronic wallet and transaction details and exchange rate and transaction information can be checked in real time, and the present invention has an effect of enabling electronic cryptocurrency used only in a restricted region to be used regardless of a nation since virtual currency possessed in an electronic wallet of a client terminal is payed as local currency in a nation where a client is positioned with respect to a QR code or a card synchronized with the electronic wallet and transaction details and exchange rate and transaction information can be checked in real time.

Description

Cryptocurrency payment system and cryptocurrency payment method

The present invention relates to a cryptocurrency payment system and a cryptocurrency payment method, and more particularly, the virtual currency owned by the user on a card synchronized with an electronic wallet as a local currency in a country where the user is located, as well as transaction details. The present invention relates to a cryptocurrency payment system and a cryptocurrency payment method that enable real-time checks on exchange rates and transaction information.

Bitcoin is a representative cryptocurrency currently traded on the Internet. Bitcoin is a digital currency created by Nakamoto Satoshi in 2009, and has no structure for issuing and managing a currency. Instead, Bitcoin's transactions are made by a P2P-based distributed database, which performs transactions based on public key cryptography.

Bitcoin is anonymous and public. Bitcoin is stored in the form of an electronic wallet, and each electronic wallet is given a unique address, and the transaction of Bitcoin is made based on the address.

Everyone who participates in the Bitcoin network will have an electronic wallet containing an arbitrary encryption key pair. The public key is like a bitcoin address, acting as the sender and receiver endpoint of all payments. The private key paired with the public key is used to authorize only the owner to pay.

Bitcoin addresses are anonymous because they do not contain any information about the owner. The address is 33 characters long if it is human readable and looks like 1rYK1YzEGa59pI314159KUF2Za4jAYYTd. Bitcoin users can have multiple addresses and create new addresses without restrictions. This is because a new address can be created immediately by simply creating a new public and encryption key pair without having to contact any network node. Anonymity can be guaranteed if you easily create and change an infinite number of addresses.

Bitcoin contains the current owner's public key, or address. For example, if User A sends something to User, A adds B's public key (address) to Bitcoin and signs it with a private key owned by A, that is, a private key. Ab then broadcasts this bitcoin to the P2P network as the transaction details of the appropriate message. The remaining network nodes will verify the encrypted signature and transaction volume before granting it.

However, when a buyer wants to separately purchase goods having the same price, such as shoes and bags, on a website such as an internet shopping mall, it is not known which bitcoin has been remitted for the price of the goods. This is because no additional information such as a purchase number is recorded when sending Bitcoin.

Therefore, when a user wants to purchase a plurality of seller's items in an internet shopping mall, the user selects one purchase item, pays it with Bitcoin, and then selects the next purchase item while the payment mode is approved and the same process. There is an inconvenience to go through.

As a prior art for solving the above problems, the Republic of Korea Patent Publication No. 2016-0091194 (2016.08.20. Published) "bitcoin payment method and payment system" is a payment method using bitcoin, (a) Accessing the shopping mall server to the shopping mall server; (b) selecting a plurality of purchased items from items sold by the seller through the purchaser terminal; (c) Bitcoin is settled from the buyer electronic wallet stored in the buyer terminal to the seller electronic wallet stored in the shopping mall server; (d) providing, by the shopping mall server, a plurality of the purchased items to the purchaser terminal with a purchase list and details of remittances transferred from the purchaser electronic wallet to the seller electronic wallet; (e) selecting a purchase item corresponding to the remittance details in the purchase list through the purchaser terminal; (f) characterized in that it comprises the step of approving the payment for the purchased goods selected in step (e).

A payment system using bitcoin for performing the above method, comprising: a purchaser terminal having a buyer electronic wallet, a shopping mall server having a seller electronic wallet, and connected to the purchaser terminal through an internet network; The purchaser terminal remits payment to a bitcoin from the purchaser electronic wallet to the seller electronic wallet for a plurality of purchased items purchased through the shopping mall server; The shopping mall server provides the purchaser terminal with a purchase list for a plurality of the purchased items purchased through the purchaser terminal and remittance details transferred from the purchaser electronic wallet to the seller electronic wallet; When the purchase item corresponding to the remittance details is selected from the purchase list through the purchaser terminal, the shopping mall server may approve payment for the corresponding purchase item.

The prior art made as described above has a problem that a dispute occurs between a seller who sells an item and a buyer who purchases an item when payment is made only with bitcoin in a situation where its value is changed in real time.

In other words, Bitcoin is traded on the Internet like Bithumb, and since the value of Bitcoin fluctuates in real time, it is difficult to calculate the exact price of Bitcoin. Since there is no standard, a dispute arises between the seller and the buyer, causing a problem such as refusing to purchase the product.

The present invention is to solve the above problems, the virtual currency held in the electronic wallet of the client terminal in the QR code or card synchronized with the electronic wallet in the country where the client is located, as well as the transaction history and exchange rate And since the transaction information can be checked in real time, an object of the present invention is to provide a cryptocurrency payment system and a cryptocurrency payment method that enable the use of electronic cryptocurrencies used only in a limited region regardless of the country.

The present invention is a means for achieving the above object, the electronic wallet provided by the management server to specify the electronic cryptocurrency consisting of any one of Bitcoin, Ethereum, Bitcoin Cash, Ripple, Litecoin, Dash, Bitcoin Gold A client terminal configured to communicate with a management server through an internet network so that the electronic cryptocurrency can be used in a home country or a foreign country; Signed a contract with the management server and an electronic cryptocurrency payment terminal is installed to authorize the electronic cryptocurrency information read from the client's electronic wallet to the management server. Merchants that receive the full amount in cash or designated electronic cryptocurrency to the designated account or electronic wallet; Using the existing electronic wallet provided by the exchange or the electronic wallet installed on the client terminal, the purchase price of the product can be entered in local currency in the terminal of the country and the corresponding country, and the QR code of the electronic wallet or the card synchronized with the electronic wallet is included. If you present the payment information, you can read and set the exchange rate of the country you wish to pay in real time with the real-time trading price of the electronic cryptocurrency. Includes a management server configured to communicate with the client terminal and the merchant through the Internet network so as to not only subtract the electronic cryptocurrency set through the electronic wallet of the client terminal, but also real-time transaction history, exchange rate and transaction information; It provides a virtual currency payment system, characterized in that.

The client terminal of the present invention subscribes to an electronic cryptocurrency site provided by a management server through an internet network, receives an electronic wallet operated by the site through a store provided by Google, and purchases an item through a merchant. Characterized in that a plurality of electronic cryptocurrency to settle the payment for the goods.

According to the present invention, the setting of a plurality of electronic cryptocurrencies, using a QR code or a card synchronized with the electronic wallet, when the payment amount is insufficient when the payment of the goods, the client set any one or a combination of the electronic cryptocurrency. Characterized in that the payment is made through.

The affiliated store of the present invention includes an online affiliated store and an offline affiliated store, wherein the online affiliated store establishes an API or other interlocking solution that can interoperate with a management server to pay for product purchase and service provision, and manages the offline affiliated store. It is characterized in that the installation of the electronic cryptocurrency dedicated communication terminal of the server or the associated communication terminal.

Offline merchants of the present invention, through the ARI or CTI when waiting for payment through the telephone voice input the merchant code, the payment amount through the input key button or voice, and the authorization code issued by the input again via the key button or voice Characterized in that the payment is entered.

Merchants of the present invention, when a return or refund occurs, characterized in that a certain amount of refunds excluding the refund fee based on the authentication through the terminal receipt and approval SMS, such as personal password, etc.,

The present invention as another means for achieving the above object, in the cryptocurrency payment method using a cryptocurrency payment system, a login step of signing up for membership through an electronic wallet installed in the client terminal and receiving a member number and logging in (S10). )Wow; Select the cryptocurrency to be used while logged in through the electronic wallet to check the price, and read the QR code or barcode containing the member number installed in the electronic wallet, and the member card through the merchant terminal to use it on the web server. S20); QR code or barcode for payment of an electronic wallet installed on the client terminal so that payment can be made through the electronic wallet by approving a transaction from the web server to the electronic wallet of the client terminal for the use request authorized through the merchant terminal. Approving step (S30) and to activate the; A transaction approval step (S40) of reading a QR code or a barcode embedded in an electronic wallet from a merchant terminal and accepting a transaction approval through a web server by authorizing a unique address of a cryptocurrency to a web server; A payment step (S50) of subtracting the cryptocurrency read from the electronic wallet installed in the client terminal by the payment amount to pay the client's cryptocurrency with the merchant electronic wallet and subtracting the client's cryptocurrency; If the payment is rejected by the web server in the approval step (S40), request to select an alternative cryptocurrency so that payment can be made through another cryptocurrency, and return to the approval step (S40) to request a cryptocurrency (S50). It provides a cryptocurrency payment method characterized in that the configuration, including.

Member registration and member number issuance process of the present invention, the step of registering the membership through the website provided by the web server using the client terminal (S11); Applying to the web server to obtain any or all of the magnetic membership card, QR or barcode form, IC / NFC membership card, some or all of them so as to perform member authentication after registration (S12) and ; Issuing a member number of the client who applied for a member card or a member code through a web server (S13); Determining whether there is a request for an electronic wallet from the web server to perform a new payment in the client terminal based on the issued member number (S14); Selecting a cryptocurrency, a prepaid card, a gift certificate, etc. in response to a request for a new payment method, and transmitting data according to the selected content from the client terminal to the web server (S15); In order to hold the payment method selected through the client terminal in the electronic wallet, the web server provides a program linked with the Google Store to perform the installation of the electronic wallet in the client terminal, and provides cryptocurrency and prepaid through the provided electronic wallet. It characterized in that it comprises a; step (S16) to hold the card, gift certificate.

In the use request step (S20) of the present invention, the user inputs an ID and password in a state in which the electronic wallet installed in the client terminal is activated, logs in, and selects through the electronic wallet whether the client uses the domestic or foreign country in the logged in state. Step S21; Cryptocurrency to be paid as a representative among Bitcoin, Ethereum, Leaf, Bitcoin Cash, Litecoin, EOS, Dash, Monero, Ethereum Classic, Quanton, Bitcoin Gold, and Jet Cash Selecting one or more of them or selecting a priority order among gift certificates or prepaid cards (S22); Presenting to the affiliated store through a membership card made up of QR code, barcode, IC card NFC (S24); Determining in the web server whether there is a request for use from the affiliated store through the membership card presented by the client (S25); Confirming priority payment means set by the client through an electronic wallet installed in the client terminal (S26); Determining, by the web server, whether there is a balance in a state of checking the priority payment means (S27); Performing a step S30 of approving a transaction when there is a balance in step S27, and determining whether a corresponding balance is insufficient in a corresponding payment method when there is no balance (S28); (S29) returning to the merchant use request step (S29) while notifying that the transaction may be failed by authorizing a message through the electronic wallet of the client terminal so as to select a payment method other than the remaining payment method (S29). Characterized in that.

Transaction approval step (S40) of the present invention, the step of selecting whether to use in the domestic or foreign in the state in which the client is logged in through the electronic wallet while the electronic wallet installed in the client terminal (S41a, S42a); Selecting a crypto coin, a prepaid card or a gift certificate to be used in a state of selecting a country, and checking the price if the crypto coin is selected (S42a, S42b); Checking the amount to be paid at the merchant (S43a, S43b); Checking the amount to be paid at the affiliated store and determining, at the web server, whether a real user and an encryption coin are requested to the web server through the affiliated terminal installed in the affiliated store (S44); If it is determined that there is a request for use from the merchant terminal, checking the data of the client to check the balance database on the web server (S45); When the payment amount of the merchant is smaller than the balance, performing a payment by deducting an encryption coin, a prepaid card or a gift certificate from the web server (S46); When the payment is completed step (S47) to authorize the data about the transaction approval that the payment is completed to the merchant (S47); If it is determined in step S45 that the balance is insufficient, the web server applies a message indicating that the balance is insufficient to the client terminal and the affiliated terminal terminal (S48); After transmitting the message that the balance is insufficient, the final message that the transaction has failed to the merchant terminal and transfers to another encryption coin or prepaid card, gift voucher to proceed to step S44 (S49); characterized in that it comprises a; do.

The present invention can be confirmed in real time about the transaction history and exchange rate and transaction information as well as payment in local currency in the country where the client is located virtual currency held in the electronic wallet of the client terminal on the QR code or card synchronized with the electronic wallet Therefore, the electronic cryptocurrency used only in a limited area can be used regardless of the country.

The present invention can also use the payment system of the inventor's electronic virtual currency through the POS or other communication equipment through interlocking with other companies in the offline merchant, offline payment through the ARS or CTI system is also possible, the phone voice when waiting for payment Enter the merchant code, enter the payment amount, and enter the authorization code (via password or our SMS, etc.) to enter the payment amount, the amount of the product purchase and service provided according to the local currency standard amount of the relevant country on the terminal In addition, you can enter the payment amount in the currency of the corresponding country in Korea (KRW), Japan (Yen), China (RMB), US (US Dollar), etc. It has an effect.

1 is a block diagram showing the configuration of a cryptocurrency payment system according to the present invention.

Figure 2 is a schematic diagram showing a cryptocurrency payment method according to the present invention.

Figure 3 is a block diagram showing a process of charging, using and settlement through the cryptocurrency payment method using the cryptocurrency payment system according to the present invention.

Figure 4 is a flow chart illustrating a cryptocurrency payment process through the cryptocurrency payment system according to the present invention.

5 is a flowchart illustrating a process of registering a user with a web server by a user through a client terminal according to the present invention.

FIG. 6 is a flowchart illustrating a process of moving a cryptocurrency, a prepaid card, a gift certificate, etc. to another electronic wallet through the electronic wallet in FIG. 5; FIG.

7 is a flowchart illustrating a process of setting a payment priority while performing a use request step through a client terminal according to the present invention.

8 is a flow chart showing the detailed process of the transaction approval step through the client terminal according to the present invention.

Hereinafter, the cryptocurrency payment system and the cryptocurrency payment method according to the present invention will be described in detail with reference to the accompanying drawings.

1 is a block diagram showing the configuration of a cryptocurrency payment system according to the present invention, Figure 2 is a schematic diagram showing a cryptocurrency payment method according to the present invention, Figure 3 is a cryptocurrency payment system according to the present invention This is a block diagram showing the process of charging, using and paying by using a cryptocurrency payment method.

1 to 3, the cryptocurrency payment system and cryptocurrency payment method according to the present invention is an electronic cryptocurrency consisting of any one of Bitcoin, Ethereum, Bitcoin Cash, Ripple, Litecoin, Dash, Bitcoin Gold Designated and stored in the electronic wallet provided by the management server 20 and the client terminal 10 is configured to communicate with the management server 20 through the Internet network to use the electronic cryptocurrency in the country or abroad through , Signing a franchise with the management server 20 and an electronic cryptocurrency dedicated merchant terminal 30 is installed to authorize the electronic cryptocurrency information read from the electronic wallet of the client to the management server 20 to sell goods and provide services Cash or designated electronic cash on the account or e-wallet with the full amount of the payment, excluding payment fees Using the merchant terminal 30 that is paid in luxury currency and the existing electronic wallet provided by the exchange or the electronic wallet installed in the client terminal 10, the purchase price of the product in the local merchant terminal 30 and the country's dedicated merchant terminal 30 is localized. If you input the payment information including the QR code of the electronic wallet or the card synchronized with the electronic wallet and read the card, you can read it and set the real-time exchange rate of the country you want to pay with the real-time trading price of the electronic cryptocurrency. In addition to deducting the corresponding electronic cryptocurrency set through the electronic wallet of the client terminal 10 as well as the transaction history, exchange rate and transaction information in real time to the client terminal 10 and the merchant terminal 30 and It includes a management server 20 is configured to communicate.

The client terminal 10 registers with the electronic cryptocurrency site provided by the management server 20 through the Internet network, receives the electronic wallet operated by the site through a store provided by Google, and supplies through the merchant Set a plurality of electronic cryptocurrencies so that payment can be made for the goods at the time of purchase.

And the setting of the plurality of electronic cryptocurrency is settled through any one or a combination of a plurality of electronic cryptocurrency set by the client when the payment amount is insufficient when the payment of goods using the QR code or card synchronized with the electronic wallet Is done.

The affiliated store includes an online affiliated store and an offline affiliated store.

* The online merchant builds an API or other interlocking solution that can interoperate with the management server 20 to pay for product purchase and service provision.

The offline merchant installs an electronic cryptocurrency dedicated merchant terminal 30 or affiliated merchant terminal 30 of the management server 20.

When the offline merchant is waiting for payment through ARI or CTI, the merchant code is input through a voice call through a key button or a voice, and the authorization code issued by the input is input again through a key button or a voice. You can proceed with payment.

In addition, offline merchants can use the payment system of the inventor's electronic cryptocurrency through POS or other communication equipment through interlocking with other companies, offline payment through ARS or CTI system, and through voice call when payment is waiting. Insert the merchant code, enter the payment amount, enter the authorization code (via password or our SMS), and enter the amount of purchase and service provided by the terminal according to the local currency standard of the country. , Korea (Won), Japan (Yen), China (yuan), US (US dollar), etc. You can enter the payment amount in the currency of the corresponding country in the merchant terminal to proceed with the payment.

When the merchant returns or refunds, the merchant refunds a certain amount based on the terminal receipt and authorization SMS and the personal password.

The management server 20 is a web server 21 for providing a site connected through a client terminal connected through an Internet network, providing an electronic wallet installed in the client terminal, the client terminal 10, and the electronics installed in the affiliated store. Communication server 22 for controlling communication with the cryptocurrency terminal or bansa easy, data according to the configuration of the management server 20, data according to the electronic wallet and card issuance, sales data, earned data, settlement data, Data server 23 including a database for storing data according to the member data, statistics and analysis, and a backup server for backing up and storing the data stored in the database of the data server 23 in real time, at a predetermined time or a predetermined period ( 24).

The electronic wallet receives a membership number through a client terminal after accessing the website through a client terminal, generates a QR code or barcode based on the issued member number, and generates a QR code or barcode according to the Magnetic membership card or IC / NFC card and membership number are linked and used as a payment method, and also store cryptocurrency held by client in file form, and each unique address is assigned to trade cryptocurrency based on the address. To be able.

The cryptocurrency payment method of the cryptocurrency payment system according to the present invention configured as described above will be described in detail with reference to the accompanying drawings.

4 is a flowchart illustrating a process of payment of a cryptocurrency through a cryptocurrency payment system according to the present invention. FIG. 5 is a flowchart illustrating a process of registering a user to a web server by a user through a client terminal according to the present invention. 5 is a flowchart illustrating a process of moving a cryptocurrency, a prepaid card, a gift certificate, etc. to another electronic wallet through an electronic wallet, and FIG. 7 is a payment priority while performing a use request step through a client terminal according to the present invention. 8 is a flow chart illustrating a detailed process of a transaction approval step through a client terminal according to the present invention.

4 to 8, the cryptocurrency payment method according to the present invention, the login step (S10) to log in through the electronic wallet installed in the client terminal 10, and selects the cryptocurrency to be used in the login state through the electronic wallet Check the market price, and read the QR code or bar code, the member card containing the member number installed in the electronic wallet through the merchant terminal 30 to request the use of the web server 21 (S20) and the merchant terminal ( 30) of the electronic wallet installed in the client terminal so as to perform a payment through the electronic wallet by approving a signal for approving the transaction from the web server 21 to the electronic wallet of the client terminal 10 with respect to the use request authorized through 30). Authorization step (S30) to activate the QR code or barcode for payment, and read the QR code or barcode embedded in the electronic wallet from the merchant terminal 30 to the web server 21 cancer Authorizes the unique address of the currency and accepts the transaction approval through the web server 21 (S40), and deducted by the amount of the cryptocurrency read from the electronic wallet installed in the client terminal 10 by the amount of payment electronic Payment step (S50) for paying the client's cryptocurrency to the wallet, subtracting the client's cryptocurrency, and if the payment is rejected by the web server 21 in the approval step (S40) through another cryptocurrency It is characterized in that the request made to select the alternative cryptocurrency to perform the payment, the cryptocurrency request step (S60) to return to the approval step to perform the payment.

The electronic wallet receives a membership number through the client terminal 10 after registering as a member while accessing the website through the client terminal 10 and generating a QR code or a barcode based on the issued member number. Magnetic membership card or IC / NFC card according to QR code or barcode is linked with membership number and used as a payment method, and also stores the cryptocurrency held by the client in the form of a file, and each unique address is assigned based on the address. Allows you to trade cryptocurrencies.

The membership registration and member number issuing process is a step of registering as a member through the website provided by the web server 21 using the client terminal 10 (S11), and a member so as to perform member authentication after registration. Applying to the web server 21 to obtain a member card, a member code in the form of a QR or a barcode, an IC / NFC member card, some or all of them (S12), and apply for a member card or a member code Issuing a member number of a client through the web server 21 (S13), and the electronic wallet to the web server 21 to perform a new payment in the client terminal 10 based on the issued member number Determining whether there is a request (S14), and by selecting a cryptocurrency, prepaid card, gift certificate, etc. according to the request according to the new payment means and the data according to the selected content from the client terminal 10 to the web server 21 In step S15 and the payment method selected through the client terminal 10, the web server 21 and the Google store to perform the installation of the electronic wallet in the client terminal 10 to be held in the electronic wallet Providing a program by interlocking, and performing the step (S16) to hold the cryptocurrency, prepaid card, gift certificate through the provided electronic wallet.

And the step (S16) to hold the cryptocurrency, prepaid card, gift certificate, etc. through the electronic wallet performs the step (S16-1) to activate and log in the electronic wallet installed in the client terminal 10, the client terminal In step S16-2, the web server 21 determines whether the user purchases a cryptocurrency, a prepaid card or a gift certificate, or selects the movement of an exchange through the electronic wallet activated in step 10, and performs the above step (S16-2). ), If the purchase of any one of the cryptocurrency, prepaid card or gift certificate through the client terminal 10 is selected, by opening the site provided by the web server 21 through the client terminal 10 to the cryptocurrency, prepaid card or In operation S16-3, one of the gift certificates may be selected.

In addition, the client terminal 10 performs a payment process for a selected cryptocurrency, a prepaid card or a gift certificate through the client terminal 10 through the site provided by the web server 21, and the client terminal 10. Through the step (S16-5) of transmitting the data on the cryptocurrency, prepaid card or gift certificate of the payment is completed to the website, the cryptocurrency purchased through the site provided by the web server 21, Store the data for the prepaid card or gift certificate in the database of the web server 21 in the form of blockchain, and perform the step (S16-6) to view the transaction history to all users, the step (S16) If the exchange is selected through the client terminal 10 in step -2), the electronic wallet of the selected other exchange is activated (S16-7).

In addition, if the electronic wallet of another exchange is activated in the client terminal 10, the client requests one or all of cryptocurrency, prepaid card, or gift certificate stored in the electronic wallet of another exchange to another exchange server that manages the other exchange. Performing the step (S16-8), and transmits the data on the cryptocurrency, prepaid card or gift certificate from the other exchange server to the web server 21 by request through the client terminal 10, and transmits the transmitted data In step S16-8, the data is stored in the data base of the web server 21 in the form of a block chain and the data is stored in the electronic wallet installed in the client terminal 10 at the same time.

The use request step (S20) is to log in by inputting an ID and password in a state in which the electronic wallet installed in the client terminal 10 is activated, and the client selects through the electronic wallet whether it is used in a domestic or foreign state while logged in. Step (S21), while selecting a country to use cryptocurrency Bitcoin, Ethereum, Leaf, Bitcoin Cash, Litecoin, EOS, Dash, Monero, Ethereum Classic, Quanton, Bitcoin Gold, Select one or more of the cryptocurrency to be paid as a representative from the Jet Cash or perform the step (S22) of selecting a priority order among gift certificates or prepaid cards, membership card made up of QR code, barcode, IC card NFC Perform the step (S24) to present to the merchant through.

In addition, the web server 21 determines whether there is a request for use from the affiliate store through the membership card presented by the client (S25), and the priority payment means set by the client through the electronic wallet installed in the client terminal 10; Checking step (S26), and in the web server 21 to determine whether there is a balance in the state of checking the priority payment means (S27), and when there is a balance in the step (S27) In step S30 of approving, and if there is no balance, determining whether the corresponding payment method is insufficient (S28), and allowing the client terminal 10 to select another next payment method other than the insufficient payment method. Authorizing the message through the electronic wallet to inform that the transaction may fail, and performs a step (S29) to return to the merchant use request step (S29).

The electronic wallet is to set the highest priority of the cryptocurrency or payment medium to be used first among the cryptocurrency or a separate payment medium, and the first payment method, the second payment method and the third payment method, etc. to be used sequentially.

That is, when the first payment method, cryptocurrency or prepaid card or gift certificate, etc. (payment balance) is 0, it is possible to replace by the second payment method, and when the second payment method (balance) is 0 In order to make a sequential multiple payment as a third payment method, the management server 20 is operated in the same manner as the electronic wallet.

In addition, when the balance of the first payment method is not '0', even if the payment amount is insufficient, the payment can be set by the payment method set sequentially, and the process occurring in this process is an electronic wallet or SNS, MMS or It is desirable to provide the content to the client by using a messenger or the like.

The electronic cryptocurrency held in the electronic wallet or a separate payment medium can be settled according to the designated order, and the other payment media other than the electronic virtual currency in the electronic wallet are prepaid cards, points, gift certificates (paper type, card type, mobile). Type, etc.).

The client may select one or more of the payment media set through the electronic wallet, and may change the designated payment media to another one at any time, and the payment media to be paid, that is, the payment method, may be directly designated by the client to be used. The payment method of the merchant may be automatically selected from among payment media possessed by the client used by the management server 20 at the moment of payment to be used or to be paid among the integrated payment media.

If the balance of the payment medium is not determined or there is no balance (balance) or less than the payment amount, it is preferable to use the payment medium of the next rank without using the priority payment medium.

Regarding the payment order of the payment medium, if the priority of use is not specified for the payment medium registered through the electronic wallet installed in the client terminal, the order of use is the highest among the payment mediums available at the merchant. By arbitrarily setting in the management server 20 can be set to the payment order by the order of the balance to be settled.

The transaction approval step (S40), performing the step (S41a, S42a) to select whether to use in the domestic or foreign country while logged in through the electronic wallet activated the electronic wallet installed in the client terminal 10, Select the encryption coin, prepaid card or gift certificate to be used in the selected state, and if the encryption coin is selected, performing the step of checking the price (S42a, S42b), and checking the amount to be paid at the merchant (S43a, S43b) And after confirming the amount to be paid at the merchant, and performing a step (S44) in the web server 21 to determine whether to request the use of the actual user and encryption coins to the web server 21 through the terminal installed in the merchant, the merchant terminal When it is determined that there is a request for use from the client, checking the data of the client checks the balance database on the web server 21 (S45) When the payment amount of the merchant is less than the balance, the web server 21 performs a payment for deducting the encryption coin, the prepaid card or the gift certificate (S46), and when the settlement is completed, the payment is completed to the merchant. A step (S47) is performed to authorize data for approval to confirm this.

In addition, if it is determined in step S45 that the balance is insufficient, the web server 21 performs a step (S48) of applying a message that the balance is insufficient to the client terminal 10 and the merchant terminal 30, and the balance After transmitting the message that the lack is insufficient, the merchant terminal 30 transmits the final message, "Transaction failed." And performs the step of moving to step S44 so that payment can be made among other crypto coins or prepaid cards or gift certificates (S49). do.

As described above, the virtual currency held in the electronic wallet of the client terminal in the QR code or card synchronized with the electronic wallet is settled in local currency in the country where the client is located, as well as the transaction history, exchange rate and transaction information in real time. As it can be confirmed, there is an advantage that the electronic cryptocurrency used in a limited region can be used regardless of the country.

In the detailed description of the present invention described above with reference to the preferred embodiment of the present invention, the scope of protection of the present invention is not limited to the above embodiment, and those skilled in the art of the present invention It will be understood that various modifications and changes can be made in the present invention without departing from the spirit and scope of the invention.

According to the present invention, the offline merchant may use the payment system of the inventor's electronic cryptocurrency through POS or other communication equipment through interworking with other companies, and offline payment through the ARS or CTI system is also possible. Enter the merchant code by voice, enter the payment amount, enter the authorization code (via password or our SMS, etc.) to pay, and the payment amount is purchased on the terminal according to the local currency standard amount of the country and the amount of service provided You can enter the payment amount in the currency of the country of use, such as Korea (Won), Japan (Yen), China (Yuan), US (US Dollar), etc. It can be used in the cryptocurrency payment system and cryptocurrency payment method that can be used.

Claims

Specify an electronic cryptocurrency consisting of any one of Bitcoin, Ethereum, Bitcoin Cash, Ripple, Litecoin, Dash, Bitcoin Gold and store it in an electronic wallet provided by the management server 20 A client terminal 10 configured to communicate with a management server 20 through an internet network so as to use crypto currency;

Using the existing electronic wallet provided by the exchange or the electronic wallet installed in the client terminal 10, the purchase price of the product is input in local currency in the terminal of the country and the corresponding country, and the QR code of the electronic wallet or the card synchronized with the electronic wallet. If you present the payment information, including the real-time settlement of the exchange rate of the country you want to pay with the real-time trading price of the electronic cryptocurrency. In addition to deducting the corresponding electronic cryptocurrency set through the electronic wallet of the client terminal 10 as well as the transaction history, exchange rate and transaction information in real time to the client terminal 10 and the merchant terminal 30 and A management server 20 configured to be communicable;

Signed a contract with the management server 20 and a dedicated payment terminal for electronic cryptocurrency is installed to authorize the electronic cryptocurrency information read from the electronic wallet of the client to the management server 20 to settle the payment amount through product sales and service provision. And at the same time, the merchant terminal 30 that is paid in cash or designated electronic cryptocurrency to the specified account or electronic wallet, the total amount excluding the payment fee;

Virtual currency payment system comprising a.
The method of claim 1,

The client terminal 10,

Sign up for an electronic cryptocurrency site provided by the management server 20 through the Internet network, receive an electronic wallet operated by the site through a store provided by Google, and pay for the item when purchasing the item through a merchant. Virtual currency settlement system, characterized in that for setting a plurality of electronic cryptocurrency to proceed.
The method of claim 2,

Setting of the plurality of electronic cryptocurrency,

Virtual currency payment system, characterized in that the payment is made by any one or a combination of a plurality of electronic cryptocurrency set by the client when the payment amount is insufficient when the payment of goods using the QR code or card synchronized with the electronic wallet .
The method of claim 1,

The affiliated store terminal 30,

If a refund or refund occurs, the virtual currency payment system, characterized in that a certain amount of refunds excluding the refund fee based on the terminal receipt and authorization via SMS and personal password.
The method of claim 1,

The management server 20,

A web server 21 for providing an electronic wallet installed in the site connected to the client terminal 10 and the client terminal 10 connected through the Internet network;

A client terminal 10, a communication server 22 for controlling communication with an affiliated terminal 30 for paying electronic cryptocurrency installed at an affiliated store or bansa;

Data server 23 including a database for storing data according to the configuration of the management server 20, data according to the electronic wallet and card issuance, sales data, earned data, settlement data, member data, statistics and analysis )Wow;

A backup server 24 for backing up and storing data stored in the database of the data server 23 in real time, at a predetermined time or at a predetermined period;

Virtual currency payment system comprising a.
The method of claim 5,

The electronic wallet,

After signing up in the state of accessing the website through the client terminal, a member number is issued through the client terminal 10, and a QR code or barcode is generated based on the issued member number, and the magnetic according to the QR code or barcode It can be used as a payment method by linking membership card or IC / NFC card with membership number, as well as storing cryptocurrency held by client in the form of file, and each unique address is assigned to trade cryptocurrency based on the address. Virtual currency payment system, characterized in that.
In the cryptocurrency payment method using a cryptocurrency payment system,

A login step (S10) of registering through the electronic wallet installed in the client terminal 10 and receiving a member number and logging in;

Select the cryptocurrency to be used while logged in through the electronic wallet to check the price, and read the QR code or barcode for storing the member number installed in the electronic wallet, the member card through the merchant terminal 30 and the web server (21). A use request step (S20);

The client terminal 10 allows the web server 21 to approve a transaction from the web server 21 to the electronic wallet of the client terminal 10 in order to perform a payment through the electronic wallet with respect to the use request authorized through the affiliated terminal 30. Approving step (S30) to activate the QR code or barcode for payment of the electronic wallet installed in the);

The transaction approval step (S40) of reading a QR code or a barcode embedded in the electronic wallet from the merchant terminal 30 to authorize the unique address of the cryptocurrency to the web server 21 to accept the transaction approval through the web server 21 (S40). Wow;

A payment step (S50) of subtracting the cryptocurrency read from the electronic wallet installed in the client terminal 10 by the payment amount to pay the client's cryptocurrency with the merchant's electronic wallet, and subtracting the client's cryptocurrency;

If the payment is rejected by the web server 21 in the approval step (S40), request to select an alternative cryptocurrency so that payment can be made through another cryptocurrency, and then return to the approval step (S40) to request a cryptocurrency for payment. Step S50;

Cryptocurrency payment method characterized in that it comprises a.
The method of claim 7, wherein

The membership registration and member number issuance process,

Using the client terminal 10 to sign up through a website provided by the web server 21 (S11);

Applying to the web server 21 to receive any or all of the magnetic member card, QR or barcode type member code, IC / NFC member card, or any of them so as to perform member authentication after registration ( S12);

Issuing a member number of the client who applied for the member card or the member code through the web server 21 (S13);

Determining whether there is a request for an electronic wallet from the web server 21 so as to perform a new payment in the client terminal based on the issued member number (S14);

Selecting a cryptocurrency, a prepaid card, a gift certificate, etc. in response to a request for a new payment method, and transmitting data according to the selected content from the client terminal to the web server 21 (S15);

The web server 21 provides a program in conjunction with the Google Store to perform the installation of the electronic wallet in the client terminal 10 so as to be retained in the electronic wallet for the payment method selected through the client terminal 10. Step (S16) to hold the cryptocurrency, prepaid card, gift certificate through an electronic wallet;

Cryptocurrency payment method comprising a.
The method of claim 7, wherein

The use request step (S20),

Inputting an ID and password in a state in which the electronic wallet installed in the client terminal 10 is activated, logging in, and selecting, by the client, via the electronic wallet whether the user is using the domestic or foreign country in the logged in state (S21);

Cryptocurrency to be paid as a representative among Bitcoin, Ethereum, Leaf, Bitcoin Cash, Litecoin, EOS, Dash, Monero, Ethereum Classic, Quanton, Bitcoin Gold, and Jet Cash Selecting one or more of them or selecting a priority order among gift certificates or prepaid cards (S22);

Presenting to the affiliated store through a membership card made up of QR code, barcode, IC card NFC (S24);

Determining, at the web server 21, whether there is a use request from the affiliated store through the membership card presented by the client (S25);

Confirming priority payment means set by the client through an electronic wallet installed in the client terminal (S26);

The web server 21 determines whether there is a balance in a state of confirming the priority payment means (S27);

Performing a step S30 of approving a transaction when there is a balance in step S27, and determining whether a corresponding balance is insufficient in a corresponding payment method when there is no balance (S28);

Step of returning to the merchant use request step (S29) while notifying that the transaction may be failed by authorizing a message through the electronic wallet of the client terminal 10 so as to select a payment method other than the insufficient payment method (S29). ;

Cryptocurrency payment method comprising a.
The method of claim 7, wherein

The transaction approval step (S40),

Selecting whether to use in the domestic or foreign country while the client is logged in through the electronic wallet while activating the electronic wallet installed in the client terminal 10 (S41a, S42a);

Selecting a crypto coin, a prepaid card or a gift certificate to be used in a state of selecting a country, and checking the price if the crypto coin is selected (S42a, S42b);

Checking the amount to be paid at the merchant (S43a, S43b);

Checking the amount to be paid at the affiliated store and determining, at the web server 21, whether the actual user and the encryption coin are requested to the web server 21 through the affiliated terminal 30 installed in the affiliated store (S44);

If it is determined that there is a request for use from the affiliated terminal 30, checking the data of the client to check the balance database on the web server 21 (S45);

When the payment amount of the merchant is smaller than the balance, performing the settlement by deducting the encryption coin, the prepaid card or the gift certificate from the web server 21 (S46);

When the payment is completed step (S47) to authorize the data about the transaction approval that the payment is completed to the merchant (S47);

If it is determined in step S45 that the balance is insufficient, the web server 21, (S48) for applying a message that the balance is insufficient to the client terminal (10) and the merchant terminal (30);

Transferring the final message that the transaction has failed to the merchant terminal after transmitting the message that the balance is insufficient and moving to step S44 so that payment can be made among other crypto coins or prepaid cards and gift certificates (S49);

Cryptocurrency payment method comprising a.