WO2019235801A1 - Monnaie numérique, système de portefeuille électronique pour monnaie numérique, système d'émission, de distribution et d'utilisation de monnaie numérique, et procédé associé - Google Patents

Monnaie numérique, système de portefeuille électronique pour monnaie numérique, système d'émission, de distribution et d'utilisation de monnaie numérique, et procédé associé Download PDF

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Publication number
WO2019235801A1
WO2019235801A1 PCT/KR2019/006695 KR2019006695W WO2019235801A1 WO 2019235801 A1 WO2019235801 A1 WO 2019235801A1 KR 2019006695 W KR2019006695 W KR 2019006695W WO 2019235801 A1 WO2019235801 A1 WO 2019235801A1
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WIPO (PCT)
Prior art keywords
digital
money
electronic wallet
information
digital money
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PCT/KR2019/006695
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English (en)
Korean (ko)
Inventor
이상열
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Lee Sang Yeol
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Publication of WO2019235801A1 publication Critical patent/WO2019235801A1/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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • 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
    • 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
    • G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • 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
    • G06Q20/381—Currency conversion

Definitions

  • the present invention relates to digital currency, an electronic wallet system for digital currency, and a digital currency issuance, distribution and use system. More specifically, the present invention relates to digital money issued, distributed and used for each currency unit that is guaranteed in cash and 1: 1 value, and an electronic wallet system for issuing and managing circulation of the digital money.
  • Digital currency used as virtual currency, electronic money, etc. can be viewed as an intangible currency that is stored or displayed on an electronic device and used on / off line, unlike a type of money used offline.
  • Current virtual currency or electronic money is generally expressed in a total amount without the unit of the currency.
  • electronic coupons that can be stored and used in an electronic device on / offline may be divided by the amount of their face value.
  • the conventional electronic money issuing and trading system is focused on solving whether the electronic money used for buyers and sellers is a reliable and safe payment method when commodity transactions using electronic money.
  • Korean Patent Application Publication No. 10-2018-0027451 (published date: March 14, 2018) has disclosed a virtual currency issuing method and payment system.
  • the merchant applying for issuance of cryptocurrency is checked for conformity and registered in the system as a cryptocurrency merchant, and if the registered merchant requests the system for issuing cryptocurrency through the merchant terminal, the merchant's cryptocurrency
  • the system calculates the issue possibility and transmits the virtual currency issuance data to the requested merchant terminal;
  • the cryptocurrency issued to the merchant terminal is a deactivated cryptocurrency that cannot be used for transactions in the service company system, and when the purchase price of the cryptocurrency from the customer who is the cryptocurrency purchaser is legally deposited into the designated bank as a service account, As a virtual currency available to the system as;
  • a request for payment of a cryptocurrency (transaction) is sent from the merchant terminal to the service company system
  • the system confirms whether the cryptocurrency is activated for the transaction and the limit of payment, and approves the merchant terminal and the buyer (customer) terminal which are the requesting parties.
  • the service company system notifies the authorized bank transfer of the legal currency transfer to the affiliated bank account for the approved cryptocurrency transaction, and the designated bank system transfers the amount from the purchase price of the cryptocurrency which is charged into the legal currency to the merchant account. It is the structure to transfer to.
  • the disclosed invention is an invention in which the purchaser of the cryptocurrency issued by the merchant treats it as an inactive cryptocurrency that cannot be used until the purchaser pays the purchase price of the cryptocurrency. Since the virtual currency is issued and traded in the total amount as in the conventional virtual currency, there is no technical effect that can be spread from the virtual currency itself, and there is a problem in that there is no means for activating the use of the virtual currency.
  • the user's card / electronic money issuance request and the charge for the card / electronic money is transmitted to the issuer server through a wired or wireless communication network; Issuing, by the issuer server, the card / electronic money for the user, generating a virtual account associated with the card / electronic money for the user, and charging the deposit as cash in the virtual account; As the user purchases goods / services using the card / electronic money at the affiliate store of the issuer server, a purchase price payment and payment request to the issuer server is transmitted from the terminal of the affiliate store to the issuer server; The issuer server subtracts a predetermined amount of money for the merchant from the cash charged in the virtual account and pays it as the purchase price, wherein the user's purchase is added to the virtual account of the user or the bank account of the user. And settingtle and pay as cash the amount corresponding to a predetermined point, margin, mileage, and bonus, and summed the remaining amount of the settled amount into the remaining amount of the virtual account.
  • the patent invention is a configuration in which the user recharges electronic money with cash, purchases products at merchants with electronic money, and accumulates the mileage according to the product purchase, and earns mileage when the consumer uses electronic money instead of cash. This is just a means for multi-level commerce, and there is a limit to solving the above-mentioned problems of electronic money.
  • the issuing entity of digital currency is a general user who is an investor, and can select and decide the amount unit of digital currency issued by the general user to maximize profits by issuing and distributing digital currency.
  • Digital money issuance, distribution and use system that can take profit by circulating digital money as credit within the limits of credit limit, and issuer of digital money, credit user of digital money
  • an invention relating to an electronic wallet system for each subject of a product seller (merchant).
  • the present invention is to solve the problems of the prior art, an object of the present invention is a digital currency for each currency unit on the market; An issuer determines an issue amount unit of the digital money; Profits come from digital money itself; Not only the use of digital money as credit, but also the revenue generated from the use of digital money itself; The present invention provides an electronic wallet system for issuing, distributing and using digital money.
  • the digital currency in the first aspect of the present invention, in the digital currency that is recognized as cash or equivalent goods and 1: 1 value, the digital currency is divided by the amount of money And stored at least one digital currency per unit; And an information storage capacity discriminated by the digital currency for each unit and exhausted as the information is accumulated and stored according to the use of the digital currency for each unit;
  • the digital currency is characterized in that the issuer selects or determines the number of issuances of the digital currency for each monetary unit of the digital currency for each unit.
  • an operating computer for managing issuance and use of digital money
  • An electronic wallet which is connected to the operating computer and requests the issuance of digital money to the operating computer, issuing an electronic wallet operated by a user terminal for issuing, circulating and managing cash or equivalent goods and digital money whose value is 1: 1.
  • the electronic wallet comprises: a digital money issuing module for requesting the issuance of digital money by unit by setting the amount by money unit;
  • the electronic wallet system for digital money is presented, wherein the issued digital money is displayed separately and includes a digital money display module for each unit for displaying the accumulated amount of information storage in each digital money.
  • the digital currency issuance and distribution of a general user or an affiliate that is an issuing entity to digital currency, the management of product transactions of the affiliated store, the use of digital currency of the credit user of the digital currency, and the digital currency An operating computer for carrying out the management of the revenue distribution on the issue via an electronic wallet;
  • An electronic wallet for general users for issuing and issuing digital money which is operated in a general user terminal connected to the operating computer and is authorized for cash and 1: 1 value, by determining the number of digital money for each unit of money;
  • An electronic wallet for a credit user which is operated in a credit user terminal connected to the operating computer, for distributing the digital money as a credit within the credit limit recognized by the operating computer; It is driven in the merchant terminal connected to the operating computer and communicates with the digital money as a payment means via the electronic wallet for general users and the electronic wallet for credit users, and from the electronic wallet for general users
  • a merchant electronic wallet for receiving a digital money issuing request of the digital money and issuing digital money
  • the operating computer when there is a digital currency payment for the merchandise transaction of the merchant in the electronic wallet for the credit user, the operating computer of the amount according to the distribution ratio set in the general user electronic wallet and the credit user electronic wallet which is the issuer of the digital currency.
  • a system for issuing, distributing and using digital money is presented, which is characterized by the distribution of digital money.
  • issuing digital money is recognized for cash and 1: 1 value by unit of money, and the number of digital currency for each amount is determined by the issuer, It is possible to increase the profit by issuing the most circulating digital money in the unit of circulation.
  • digital money such as cash as a credit for a certain period of time within their credit limit. Not only will the burden of cash payments be reduced, but it will also be able to receive profit sharing from the use of digital money.
  • FIG. 1 is a schematic diagram of an embodiment of a digital currency of the present invention.
  • FIG. 2 is a schematic structural diagram of an embodiment of a digital money issuing means of the present invention.
  • FIG. 3 is a schematic structural diagram of an embodiment of information recorded in an information storage capacity which is a main part of the digital money of the present invention.
  • FIG. 4 is a conceptual diagram illustrating management of issuance and use of digital money according to the present invention.
  • FIG. 5 is a schematic diagram of an embodiment of a digital currency issuance, distribution, and use system.
  • FIG. 6 is a schematic diagram of an embodiment of an electronic wallet system for a digital currency of the present invention.
  • FIG. 7 is a schematic configuration diagram of an embodiment of an electronic wallet for a general user, which is a main part of an embodiment of an electronic wallet system for digital money of the present invention.
  • FIG. 8 is a schematic structural diagram of an embodiment of an electronic wallet for a credit user which is an essential part of an embodiment of an electronic wallet system for digital money of the present invention.
  • FIG. 9 is a schematic configuration diagram of an embodiment of an electronic wallet for a merchant (seller) which is a main part of an embodiment of an electronic wallet system for digital money of the present invention.
  • FIG. 10 is a flowchart for explaining a method for issuing digital money according to the present invention.
  • 11 is a flowchart illustrating a method of using an electronic wallet for digital money of the present invention.
  • an operating computer for issuing and managing the use of digital money
  • An electronic wallet which is connected to the operating computer and requests the issuance of digital money to the operating computer, issuing an electronic wallet operated by a user terminal for issuing, circulating and managing cash or equivalent goods and digital money whose value is 1: 1.
  • the electronic wallet comprises: a digital money issuing module for requesting the issuance of digital money by unit by setting the amount by money unit;
  • the electronic wallet system for digital money is presented, wherein the issued digital money is displayed separately and includes a digital money display module for each unit for displaying the accumulated amount of information storage in each digital money.
  • the present invention is a configuration that utilizes a computer program or a web program or a cloud computer program driven by using the computer hardware and the resources of the computer hardware. Therefore, in the description of the present invention, the names of hardware and programs utilizing the hardware may be used interchangeably.
  • each component of the operating computer may be a configuration of its own hardware, or may be mixed with terms relating to each component of a computer program or a web program that is driven by using the hardware resources of the operating computer.
  • the electronic wallet driven in the general user terminal, the merchant terminal and the credit user terminal of the present invention may be a computer program or a web program driven by utilizing hardware resources, or may be a dedicated terminal.
  • digital money which is a term among the main components of the present invention, is shared by a block in each terminal connected to the system of the present invention, and digital money issued by a randomly connected general user is randomized.
  • the information storage capacity that is provided to credit users and set in digital currency for each unit of money is a currency that repeats circulation until it is closed due to the cumulative record of the information.
  • the digital money of the present invention includes a digital currency display unit 100, 200, 300 for each unit for displaying digital currency issued for each amount of money on the market;
  • An information storage capacity display unit (110) configured to display a set total information storage capacity in which information such as usage history can be recorded and stored in the unit-specific digital currency displayed on the unit-specific digital currency display unit (100, 200, 300);
  • a face value display unit 120 displaying a unit amount of digital currency for each unit;
  • An information recording accumulation amount display unit (140) for displaying the amount of accumulated information in the total information storage capacity;
  • a usable capacity display unit 150 for displaying usable information storage capacity among the total information storage capacity;
  • a non-issued amount display unit 500 for displaying the amount held in the amount of money but not issued in digital money and a total amount display unit 600 for displaying the total amount of digital money issued
  • the digital money of the present invention may be issued separately by the unit of the currency circulating in the market or the equivalent of the means (check, etc.).
  • the total amount of money issued by the issuer of digital money is 1,160,000 won, 10,000 won for 10 digital money, 10,000 won for 5,000 digital money, 50,000 won for 10 digital money, 100,000 won for 10 digital money, 100,000 won, but not 100,000 won.
  • a total of 1,160,000 won can be issued by issuing 1,000,000 won with 10 digital currency.
  • information storage capacity is set corresponding to each unit of money. For example, 1Mbyte information storage capacity of 1,000 won digital money, 2Mbyte information storage capacity of 5,000 won digital currency, 3Mbyte information storage capacity of 10,000 won digital money, 5Mbyte information storage capacity of 100,000 won digital currency Information storage capacity of digital currency can be set to 10Mbytes.
  • the total information storage capacity capable of accumulating and recording information on the information storage capacity display unit 110 is 10 Mbytes.
  • the total information storage capacity for accumulating and recording information on the information storage capacity display unit was 20Mbytes, and the 10,000 won digital money was also issued on the information storage capacity display unit.
  • the total information storage capacity for accumulating and recording information is 30Mbytes, and 10 thousand won digital currency is also issued. Therefore, the total information storage capacity for accumulating and recording information is 50Mbyte in the information storage capacity display unit.
  • Digital money issuing means of the present invention may be composed of a dedicated application program or a web program provided by the operating computer, it may be a configuration included in the electronic wallet to be described later.
  • the digital currency issuance means can be seen as a means for requesting issuance of digital money.
  • the digital money issuing means 400 of the present invention comprises: an issue amount input unit 410 for selecting or inputting a total amount of digital money to be issued; An amount-of-issue issuance setting unit 420 for setting the number of issuances of unit-specific digital currency in order to issue digital currency by unit of amount; Random setting unit 430 for the issuer of the digital currency to set randomly without setting the number of issued by the amount of money or to select the optimized number of issued by the amount provided by the operating computer; A total amount display unit 440 for displaying a total amount of digital money set to confirm a total issued amount of digital money; It is a configuration that includes a payment button 450 for payment of the issued money of digital money.
  • a general user who wants to issue digital money drives the digital money issuing means 400 composed of a web program or an application program in the user terminal 2000.
  • the amount of digital money to be issued is input to the issued amount input unit 410. For example, enter the amount of 1,160,000 won of digital currency to be issued.
  • the number of issuances of digital money for each unit of money is set in accordance with the issuance amount. In the example of FIG. 1, if 10 digital bills, 10 digital bills, 10 digital bills, 10 digital bills, 10 digital bills, 10 digital bills, and 10 digital bills are set, the total amount of digital money displayed on the total display unit 440 is displayed. do.
  • the user may select the random setting unit 430 to randomly set the number of issuance of digital money.
  • the optimal setting may be set to the number of digital currencies having the best rate of return (fast distribution speed of digital money) for each unit of digital money.
  • the information accumulated in the information storage capacity set in the unit-specific digital currency of the present invention includes issuer information, issuer identification information, credit user information, credit user identification information, merchant (seller) information, and merchant identification information. admit.
  • Accumulated record information 700 of the present invention is a distribution (cumulative) information recording area in which information (issuers, general users), charging merchants, companies (payers), and government (tax collectors) that issue digital money are stored. 710; A distribution (once) information recording area 720 in which the digital money usage information of the credit user is stored each time; A merchant information recording area (730) in which merchant information on which merchandise is sold to the general user or a credit user as a payment means is recorded; The distributed (cumulative) information recording area 710 includes general user information that is the issuer of digital money, merchant information for charging (issuing) digital money to the general user, company information for paying the salary of employees with digital money, and digital information. Collector information and each identifying information for collecting taxes in currency is recorded.
  • the generated revenue is cumulatively distributed to the corresponding person information in accordance with the set profit distribution ratio according to the use of digital money.
  • the distribution (once) information recording area 720 when a credit user of a digital currency commerces a digital currency at a merchant, credit user information and its identification information are recorded only once.
  • the generated revenue is distributed once to the corresponding person information in accordance with the profit sharing ratio set according to the use of digital money, to the information recorded in the distribution (once) information recording area 720.
  • the profit distributed according to the use of the digital money may be generated according to a distribution ratio set based on a fee that the operating computer takes from the affiliate store that sells the product.
  • the method is not limited thereto.
  • the cumulative record information 700 data is distributed and stored in association with the issuer information of the digital currency, the credit user information of the digital currency, and the affiliated store information.
  • the digital currency issuer can recognize the distribution status and speed of the digital currency issued by the digital currency issuer.
  • FIG. 4 is a conceptual diagram illustrating management of issuance and use of digital money according to the present invention.
  • a general user issues digital money using the digital money issuing means of FIG. 1, it is a conceptual view for explaining digital currency and usage management stored in an operating computer.
  • the digital money of the present invention is stored in the unit of the digital money issued by the amount of money 810, 820, 830, 840, 850, and stored according to the order of issuing the digital money. Its use in the order of issuance is controlled.
  • digital currency by unit of money is not issued and stored uniformly, and is issued in a high-value unit of money distributed to issuers due to its speed of distribution. The most preferred is the highest number of issuances, and the smallest number of issuance of 1 million won digital currency.
  • issuer 1 is 10 won (100,000 won), 10 won (50,000 won), 10 won (50,000 won), 10 won (100,000 won) and 100,000 won (100,000 won) digital money (10 million won). 1,160,000 won in total, and the order of issuance is the fastest.
  • a credit user uses digital currency as a payment method for merchandise transactions at a merchant, it can be distributed first. However, it is not limited thereto.
  • the digital money issuance, distribution and use system of the present invention includes the issuance and distribution of digital money by a general user or a merchant that is an issuer to digital money, the merchandise transaction management of the merchant and the An operating computer (1000) for carrying out management of the use of digital money by a credit user and the distribution of revenue related to the issuance of the digital money via an electronic wallet; Issuing digital money, which is communicated to the operating computer 1000, cash or equivalent goods, and digital currency with a value of 1: 1, by determining the number of digital money for each unit of money, and providing an electronic wallet for general users for distribution and use.
  • a general user terminal 2000 for driving A credit user terminal 3000 which is communicatively connected to the operating computer and drives an electronic wallet for a credit user for circulating the digital money as a credit within a limit of credit recognized by the operating computer; Connected to the operating computer, conducting the merchandise sales using the digital money as a payment means via the electronic wallet for the general user and the electronic wallet for the credit user, and requesting issuance of digital money from the electronic wallet for the general user.
  • a seller who sells a variety of products or service products in the online / offline store or workplace joins the operating computer 1000 as a member of a franchise, and, for example, charges a commission rate for selling and payment of the product and the operating computer 1000.
  • a contract, the operating computer 1000 stores the commission rate for each member of the affiliated store.
  • the user of the general user terminal 2000 is an investor in a kind of digital currency that provides cash or equivalent goods to the digital money of the present invention described above and issues digital money with a value of 1: 1.
  • the operating computer 1000 issues and stores digital money for each unit of money set in the electronic wallet of the general user terminal 2000, and provides the digital money to the electronic wallet of the general user terminal 2000.
  • the operating computer 1000 In the electronic wallet of the general user terminal 2000, if a random setting is selected without directly setting the number of digital currency for each unit of money, the operating computer 1000 is optimized with respect to the circulation rate and the rate of return of digital currency for each unit. Information on the number of digital currencies issued per unit of value can be provided. In this case, the operating computer 1000 analyzes the system-wide digital currency issuance status and distribution status and adjusts the number of issuances of digital money by amount, thereby controlling the amount of currency of the entire digital currency. The user of the credit user terminal 3000 accesses the operating computer 1000 through an electronic wallet and requests credit distribution of digital money.
  • the operating computer 1000 determines the credit limit by inquiring the credit of the credit user member in various ways, and the amount information of the digital currency circulating in the electronic wallet of the credit user terminal 3000 within the determined credit limit. to provide.
  • the credit user of the digital currency visits an online or offline store / office of the member member and purchases a product handled by the member member using the creditable digital currency as a payment method.
  • the operating computer 1000 receives the amount information of the digital money paid by the credit user terminal 3000, and the amount to be used for payment.
  • the distribution is determined by referring to the order of issuance of digital currency per unit, and the issuer (general user), product seller (merchant), and product buyer of digital currency is determined in the digital currency determined for distribution in the information storage capacity assigned to the digital currency of FIG. Information of the credit user), and the recorded information is distributed and stored in the electronic wallet of the general user terminal 2000, the electronic wallet of the merchant terminal 4000, and the electronic wallet of the credit user terminal 3000.
  • the unit-specific digital currency determined by the operating computer 1000 is, for example, the 10,000 won digital currency of issuer 1 of FIG. 4 described above
  • the operating computer 1000 is the credit user terminal 3000 of issuer 1.
  • the memory capacity occupied when recorded together with the issuer information, the credit user information, the seller (merchant) information, and the identification information is displayed on the information storage capacity of 10,000 won digital money printed on the electronic wallet.
  • the operating computer 1000 in accordance with the digital currency used in the electronic wallet of the credit user terminal 3000, the credit user in accordance with a pre-determined distribution rate from the commission contracted with the member of the merchant who made a transaction
  • the revenue is distributed to the electronic wallet of the terminal 300, the electronic wallet of the general user terminal 2000 that is the issuer of the used digital currency, and the operating computer.
  • the operating computer 1000 distributes the revenue to the electronic wallet of the credit user terminal 300 and the electronic wallet of the general user terminal 2000 in digital currency, but before the distribution, the digital data used in the credit user terminal 3000 is distributed. You can verify whether money is contaminated.
  • Accumulated information records stored in the digital money and the electronic user wallet, the credit user electronic wallet, and the electronic wallet for merchants can be determined by the operator computer 1000 to determine whether they are contaminated by real-time information collation. have. After determining whether it is contaminated, the contaminated digital money can be transferred to the expert investigation area, and the normal digital money can be distributed according to the distribution area record.
  • the digital money received the information storage capacity may further include a digital money distribution computer that is in communication with the operating computer 1000 for distribution to the unspecified user and the merchant until the capacity is exhausted or discarded withdrawal of the issuer. have.
  • FIG. 6 is a schematic configuration diagram of an embodiment of an electronic wallet system for digital money according to the present invention.
  • the electronic wallet for digital money according to the present invention may be provided by providing cash or equivalent goods.
  • a general user member information manager 1100 for managing member information of a user who issues digital money
  • a credit user member information management unit 1200 for managing user member information for circulating digital currency issued by the general user with credit
  • a merchant information management unit 1300 for registering as a seller of merchandise in the operating computer 1000 and managing merchant information for charging digital money at the request of the general user
  • a digital money issuance management unit (1400) for issuing digital money requested by the general user member or issuing digital money according to a request for recharging the digital money of the affiliated member and storing and managing the information
  • a digital currency distribution management unit 1500 for managing usage information of the issued digital currency by a credit user or by a general user
  • An electronic wallet management unit 1600 for managing electronic wallet information used by the general users, credit users, and merchant members
  • An operating computer (1000) including a
  • a general user electronic wallet 2100 which is driven by a general user terminal 2000 used by the general user member, is connected to the operating computer 1000 to issue digital money and check the distribution status of the issued digital money. and;
  • a credit user electronic wallet 3100 which is operated by a credit user terminal 3000 used by the credit user member, is connected to the operating computer 1000 to distribute digital money with credit and to trade goods using digital money. )and;
  • the merchant electronic device 4100 which is driven by the merchant terminal 4000 used by the affiliated member, charges the digital money by accessing the operating computer 1000, or performs commerce using the digital currency as a payment means. )and;
  • a content storage unit 5000 for storing data necessary for a system included in the operating computer 1000 or including communication information such as member information, digital currency issuance and distribution information.
  • FIG. 7 is a schematic configuration diagram of an embodiment of an electronic wallet for a general user, which is a main part of an embodiment of an electronic wallet system for digital money of the present invention.
  • the general user electronic wallet 2100 of the present invention may be configured as an application program or a web program that is driven by the general user terminal 2000. 2110; A task menu display unit 2120 for the user to select a task; A digital currency display unit 2130 for outputting digital currency for each unit of money issued by a general user; A product search window 2140 for searching for a product by a general user for commodity transactions using digital currency;
  • the operating computer 1000 and a data communication unit 2150 for performing data communication with users connected to the operating computer 1000 is configured.
  • the business menu display unit 2120 is a menu for issuing important digital money to the general user, a distribution menu for requesting distribution of issued digital money, a charging menu for charging digital money by visiting a merchant, and the use of digital money. There is a commission menu for checking the amount of digital money generated by profit sharing.
  • the credit user electronic wallet 3100 of the present invention includes: a user selecting unit 3110 for selecting a user subject; A task menu display unit 3120 for selecting a task by the user; A digital currency credit display unit 3130 for displaying a credit limit of a credit user circulating from the operating computer 1000 or a digital currency distribution computer and the amount of use of the digital currency distributed through the digital currency; A product search window 3140 for searching for a product by a credit user for commodity transactions using digital currency; A data communication unit 2150 for data communication with the operating computer 1000 and users connected to the operating computer 1000; When the product search in the product search window 3140, the product advertisement display and display means 3160 is displayed.
  • the business menu display unit 3120 is a direct menu for direct transactions of merchants and products using digital currency provided only to credit users, and a commission menu for confirming the amount of digital money generated by the distribution of revenue according to the use of digital currency. And a product registration menu for registering product information for the credit user to sell used goods.
  • the credit limit of the digital currency credit distribution display unit 3130 is configured to display and display the credit limit of the credit user when the credit user requests the credit distribution of the digital currency.
  • the product advertisement display unit 3160 registers an online or offline store and a product advertisement in the operating computer 1000, and when a credit user activates an electronic wallet or selects an advertisement area, the operating computer 1000. ) Displays the product information (industry, trade name, item, discount rate, due date and recognition) optimized for credit user information.
  • the discount rate is a discount rate that the advertiser applies when purchasing a product of a credit user.
  • the recognition may display the location information of the corresponding company, it may be composed of a recognition means such as QR code, barcode, NFC, biometrics that can be used when paying with digital money.
  • the merchant electronic wallet 4100 of the present invention includes: a user selection unit 4110 for selecting a user principal; A merchant menu display unit 4120 for the merchant member to select a task; A charge digital currency display unit 4130 for outputting digital money for each unit of charge charged to a general user by a member of a merchant; Merchant normal transaction menu unit 4140 for the merchant member to register the store or product information, check the sales situation, and register the notice in the parcel delivery request and operating computer 1000; The operating computer 1000 and a data communication unit 4150 for performing data communication with users connected to the operating computer 1000 is configured.
  • the business menu display unit 2120 is provided with a charging menu for checking the amount of digital money generated by the distribution of revenue of digital money charging menu and digital money important to the merchant member.
  • the digital money, the electronic wallet system for digital money, and the system for issuing, distributing and using digital money have the following features.
  • 'General user' is a debit card concept, simple membership registration, digital currency can be issued, distributed, and used, and when using to purchase merchant products, digital money is not distributed and is discarded. to be.
  • 'Credit user' is a concept of credit card that is assigned a credit limit through a credit verification process, uses digital currency issued by a general user as credit, and receives revenue distribution for use.
  • 'Merchant (Sales)' is a concept of merchants, which is registered through a merchant verification process, and can sell products through digital currency to general / credit users online and offline.
  • the general user, credit user, member store configuration and digital money is characterized by the use of digital money and electronic wallet system that drives the online electronic commerce, offline commerce, fintech platform.
  • a general user who is an issuer of digital money that exchanges 1: 1 cash or equivalent goods can link his / her bank account, transfer or deposit money to an operator account in an electronic wallet of a general user terminal, or receive cash from an online / offline merchant. It provides and distributes (charges) electronic money with a 1: 1 value to the operating computer.
  • the digital currency distribution computer is characterized in that it is included in the configuration to manage the circulation and distribution of the digital currency in accordance with the distribution request of the digital currency.
  • the digital money received the information storage capacity is characterized in that it is distributed to unspecified users and merchants by the digital money distribution computer that is the operating body until the capacity is exhausted or withdrawn by the general user (issuer).
  • the information storage capacity of the digital money by the unit of money of the electronic wallet is divided into 'distribution area' and 'recording area', the distribution area is the operator of the digital currency system, the general user to link the account or cash, digital money
  • the distribution area is the operator of the digital currency system, the general user to link the account or cash
  • digital money There are businesses that pay employee salaries, merchants who receive cash from general users and charge digital money, governments withholding taxes, credit users who purchase goods, or general users.
  • the cumulative information record of the digital money is distributed and stored in the general user electronic wallet, the credit user electronic wallet and the merchant electronic wallet.
  • the accumulated information records of the digital money and the information records stored in the general user electronic wallet, the credit user electronic wallet, and the merchant electronic wallet is distributed to the real-time information collation operation of the digital money distribution server of the operator to determine whether the contamination. It is characterized by determining. After the contamination is determined, the contaminated digital money is transferred to the expert investigation area, and the normal digital money is distributed according to the distribution area record.
  • the general user electronic wallet and the credit user electronic wallet include an unissued amount display unit, and the operating computer displays the amount of the fee revenue on the unissued amount display unit, respectively, and the accumulated amount of the unissued amount display unit is digital money. It is characterized in that digital money can be issued if the minimum issuance unit or more.
  • the operating computer or the digital currency distribution computer adjusts the information storage capacity of the newly issued digital money by the amount by calculating the interest rate and the number of issuances and the turnover rate of the digital currency by the operator (currency adjustment effect). For example, if the interest rate set by the operator is 5%, the interest rate is 5% when the space turnover rate (depending on the number of users regardless of information storage capacity) of the 10,000 won digital currency of the digital currency distribution computer is the current rate. If there is a risk of exceeding it, reduce the information storage capacity of the digital currency in the unit of the newly issued amount. For example, if the information storage capacity of the 10,000 won digital currency is set to 1Mbyte, the amount of money can be adjusted by downgrading the information storage capacity of the newly issued 10,000 won digital currency to 900Kbyte.
  • the information storage capacity of the newly issued 1 million won digital money will be Increase it to apply. For example, if the information storage capacity of the 1 million won digital currency is set to 10 Mbytes, the amount of money can be adjusted by applying the information storage capacity of the newly issued 1 million won digital currency upwards to 11 Mbytes.
  • the digital money issuing method of the present invention comprises the steps of driving the electronic wallet by the general user terminal (S100); The general user terminal receiving a digital money issuing menu selection input of the electronic wallet to activate digital money issuing means (S101); Receiving, by the general user terminal, issuance amount information input to the digital money issuing means (S102); Confirming, by the general user terminal, whether the digital currency issuing means has a random setting input in setting the number of digital currency in unit of money (S103); When the general user terminal receives a random setting input, transmitting a random setting request to the operating computer and transmitting, by the operating computer, the digital money per unit of money optimized for profit rate to the general user terminal (S104); Receiving (105) an input of the number of digital money units input to the digital money issuing means when the general user terminal does not have a random input from the electronic wallet; Displaying the number of digital money for each unit of money on the
  • the electronic wallet driving method for the digital money of the present invention includes the steps of displaying, by the operating computer, digital money for each unit of money issued to the electronic wallet of the general user terminal (S200); Receiving, by the operating computer, a request for distribution of digital money input to the electronic wallet of the general user terminal (S201); Converting, by the operating computer, the digital money into a distribution standby state (S202); Receiving, by the operating computer, a credit distribution request for digital money transmitted from a credit user terminal (S203); Step (S204) in which the operating computer inquires the credit rating based on the member information of the credit user who requested the credit distribution of digital currency; Transmitting, by the operating computer, the credit limit information of the inquired credit user to the electronic wallet of the credit user terminal and providing the digital currency for credit circulation within the credit limit range (S205); (S206) a payment is performed in digital currency for the transaction
  • Embodiments of the present invention described above are only some of the various embodiments.
  • Naturally, examples are included in the protection scope of the present invention.
  • the present invention can be used in the industry of the fourth industrial era by using the digital wallet with the excellent functionality and replace the commercial currency using an electronic wallet executed in a user terminal such as a smartphone.

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

Abstract

La présente invention concerne une monnaie numérique, un système de portefeuille électronique associé et un procédé associé. La présente invention présente la monnaie numérique, son système de portefeuille électronique et son procédé, la présente invention comprenant : une partie d'affichage de monnaie numérique unitaire pour afficher une monnaie numérique émise par une unité de somme; une partie d'affichage de capacité de stockage d'informations qui est configurée pour enregistrer et mémoriser des informations telles qu'un historique d'utilisation de la monnaie numérique unitaire affichée dans la partie d'affichage de monnaie numérique unitaire, et qui affiche une capacité de stockage d'informations totale; une partie d'affichage de somme pour afficher une somme unitaire de la monnaie numérique dans la partie d'affichage de monnaie numérique unitaire; une partie d'affichage de somme émise pour afficher une somme émise totale de la devise numérique unitaire de la somme; une partie d'affichage de quantité d'enregistrement d'informations accumulées pour afficher une quantité d'informations enregistrées accumulées à partir de la capacité de stockage d'informations totale; une partie d'affichage de capacité disponible pour afficher une capacité de stockage d'informations disponible en dehors de la capacité de stockage d'informations totale; une partie d'affichage de somme non émise pour afficher une somme qui est possédée dans la somme mais non émise dans la monnaie numérique; et une partie d'affichage de somme totale pour afficher une somme émise totale de la monnaie numérique.
PCT/KR2019/006695 2018-06-08 2019-06-04 Monnaie numérique, système de portefeuille électronique pour monnaie numérique, système d'émission, de distribution et d'utilisation de monnaie numérique, et procédé associé WO2019235801A1 (fr)

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KR1020180065799A KR101969011B1 (ko) 2018-06-08 2018-06-08 디지털 화폐, 디지털 화폐를 위한 전자지갑시스템 및 디지털화폐 발행, 유통 및 사용 시스템, 그 방법
KR10-2018-0065799 2018-06-08

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KR102430287B1 (ko) * 2020-03-23 2022-08-08 김민성 디지털 화폐의 발행 및 사용 관리 서비스 제공장치 및 방법
KR102216147B1 (ko) * 2020-04-20 2021-02-16 이상열 디지털화폐 운영 시스템

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JP2009020848A (ja) * 2007-07-11 2009-01-29 Taiji Inui 中央銀行ないしは同等の機能を有する機関が法定通貨として発行することを目的とした電子マネーおよび電子マネーシステム。
KR20140018683A (ko) * 2012-08-03 2014-02-13 남윤오 전자화폐가 결합된 명함을 이용한 전자화폐 관리 시스템, 방법 및 그 기록매체
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