WO2020032314A9 - 블록체인을 이용한 멀티지갑 기반 온오프라인 다중 결제 처리 시스템 - Google Patents

블록체인을 이용한 멀티지갑 기반 온오프라인 다중 결제 처리 시스템 Download PDF

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Publication number
WO2020032314A9
WO2020032314A9 PCT/KR2018/010106 KR2018010106W WO2020032314A9 WO 2020032314 A9 WO2020032314 A9 WO 2020032314A9 KR 2018010106 W KR2018010106 W KR 2018010106W WO 2020032314 A9 WO2020032314 A9 WO 2020032314A9
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WIPO (PCT)
Prior art keywords
payment
offline
cryptocurrency
online
service
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PCT/KR2018/010106
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English (en)
French (fr)
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WO2020032314A1 (ko
Inventor
이주화
김용식
Original Assignee
주식회사 모아플래닛
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Publication of WO2020032314A1 publication Critical patent/WO2020032314A1/ko
Publication of WO2020032314A9 publication Critical patent/WO2020032314A9/ko

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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
    • G06Q20/22—Payment schemes or models
    • 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

Definitions

  • the present invention relates to multi-payment processing, and more particularly, to multi-wallet-based on/offline (011/0 1 ⁇ ; hereinafter referred to as "020") multi-payment processing system using a block chain.
  • the payment service mentioned above consists of individual apps separated from the existing payment service and the new cryptocurrency payment service, the buyer has the inconvenience of dual installation and use of the service app.
  • the affiliated store is a simple merchant terminal based on the integrated multi-wallet service for the additional cost of building a new merchant terminal system and difficulties in operating maintenance. There is a need for a way to solve it through updates.
  • this invention was devised to solve the above problems, and applies cash account payment, card payment, (1 payment, point payment, cryptocurrency payment, local currency payment, etc.) Its purpose is to provide a multi-wallet-based 020 multi-payment processing system using a possible blockchain. Problem solving means
  • the system selects at least one of the items to be purchased and 2020/032314 1»(:1 ⁇ 1 ⁇ 2018/010106 Online cryptocurrency payment, local currency payment, credit card payment, account payment, point payment, offline order service, and online identification for online orders
  • a number of affiliated store terminals request payment processing from the bank/card company to complete the payment for commercially purchased products, and receive notification of payment completion information from the bank/card company; and the above affiliated stores.
  • the online/offline service is classified, and in the case of the online service, if the payment method analysis result is a cryptocurrency payment, the customer's cryptocurrency is converted into a blockchain platform. Converts into cash according to the cryptocurrency-cash exchange ratio based on cryptocurrency exchange information from cryptocurrency exchanges and converts them into franchise points provided by the franchisees holding the franchisees terminal, and the result of the payment method analysis is local currency. In the case of payment, the customer's local currency is converted into the merchant points, and if the result of the payment method analysis is account payment or credit card payment, request the above bank/card company to process the payment through the above?
  • the payment for the commercial purchase product is completed with the cash deposited in the customer's bank account, and in the case of the offline service, an offline delivery request signal is generated based on the received phone delivery order information and transmitted to the delivery company, and the commercial purchase product is sent to the delivery company. It is characterized by including 020 transactions that perform payment processing according to the payment method selected by the customer who has ordered by phone.
  • the customer terminal is the first selection unit for selecting commercial items at the online store, and the cryptocurrency payment, the local currency payment, the credit card payment, and the account payment as a payment means for the selected purchase item.
  • the affiliated store terminal checks the online order identification mobile app II) included in the payment method selection data from the online order service app of the customer terminal, classifies it as an online service, and uses the online service classification data as the platform.
  • On-line service category provided as a; and in the above online service category 2020/032314 1»(:1 ⁇ 1 ⁇ 2018/010106
  • An online multi-payment processor app equipped with a payment analyzer that analyzes the corresponding payment method selection data and provides the payment method analysis result to the 020 platform; Phone order reception and delivery requester app for receiving delivery orders from the offline phone ordering unit and transmitting delivery order information to the platform; And by receiving a store order and selecting one of the cryptocurrency payment, the local currency payment, the credit card payment, the account payment, the (311 payment, or the point payment) as a payment means for the ordered product.
  • PG/VAN ⁇ ll-To request payment processing from the bank/card company through PG/VAN ⁇ ll-to complete the payment for commercial purchase products, and to provide a payment selector to notify the merchant terminal of the payment completion information to the bank/card company. May include offline multi-payment machine apps.
  • the 020 platform is an online multiple payment processor of the affiliated store terminal.
  • Online service classification data from the app or the phone order receipt and delivery requester An on/offline service analyzer that analyzes and classifies the on/offline service by receiving the delivery order information from the app; a means of payment from the payment analyzer that determines as an online service If the analysis result is the online service, and the payment method analysis result is a cryptocurrency payment, the customer's cryptocurrency is converted to the cryptocurrency-cash exchange ratio based on the cryptocurrency exchange information from the cryptocurrency exchange on the blockchain platform.
  • the payment means analysis result is local currency payment
  • the customer's local currency is converted into the affiliated store points
  • the above payment means analysis If the result is account payment or credit card payment, request the bank/card company to process the payment through the PG/VAN company to complete the payment for the commercially purchased product with the cash deposited in the customer's bank account.
  • An online multiple payment converter equipped with a payment means analyzer to analyze and determine whether to transmit the payment completion information to the affiliated store terminal by the credit card company; the cryptocurrency settlement generated from the online multiple payment converter, and card settlement ,Cash settlement, point settlement, etc., cryptocurrency settlement and local money settlement are provided by generating a settlement message with points and provided to the merchant terminal. Credit card settlement, account settlement, and (311 settlement, etc.) are sent to cash settlement or credit card settlement message. Generated and provided to the PG AN company, a settlement message generator for each payment method; And, in the case of the offline service, when the delivery order information from the delivery requesting app is received, an offline delivery request signal is generated to the delivery company. It may include an offline delivery handler that transmits.
  • the blockchain platform is a cryptocurrency exchange information collector that collects the cryptocurrency exchange information from the cryptocurrency exchange; and cryptocurrency exchange that generates a cryptocurrency-cash exchange ratio based on the collected cryptocurrency exchange information Information May include a message generator.
  • the present invention provides a convenient integrated payment service based on a multi-wallet.
  • the conventional technology provides a real-time currency exchange service for blockchain-based cryptocurrencies.
  • the present invention provides a real-time payment service using information before exchange exchange for real-time exchange service of blockchain-based cryptocurrency.
  • Conventional technology increases the incompatibility of separate online versus offline services. Invention can maximize the convenience of customers through integrated online versus offline service.
  • Conventional technology inhibits activation of small business services due to high fees for online versus offline payment services.
  • the present invention is based on block chain online and offline. It is possible to apply a low fee through the establishment of a payment service, thus increasing the activation of services for small businesses.
  • FIG. 1 is a block diagram showing the configuration of a multi-wallet-based multi-payment processing system using a block chain according to an embodiment of the present invention.
  • Figures 2 to 6 are flow charts illustrating the operation of a multi-wallet-based multi-payment processing system using a block chain according to an embodiment of the present invention.
  • FIG. 7 is a diagram showing a settlement processing procedure based on a service subject for each customer terminal payment means according to an embodiment of the present invention.
  • the hash of the blockchain A hash is an algorithm that maps data of arbitrary length to data of a fixed length, and the value obtained by the hash function is called a hash value, hash code, checksum, or hash, etc.
  • the most basic of a hash function The property is that if the two hash values are different, the original data is also different. Conversely, the hash function is not a single function, which suggests that the original input values are the same even though they have the same hash value, but it is not guaranteed.
  • CC Crohn'Crypto Currency
  • CC Crohn'Crypto Currency
  • An asset type it is a currency that is volatile and can be used globally. Examples of the above cryptocurrencies include Bitcoin and Ethereum. Cryptocurrency payments allow customers to convert cryptocurrencies into software or hardware.
  • LC local currency
  • Non-volatile currency It is a currency that is restricted to be used, meaning non-volatile currency.
  • Examples of local currency include Seongnam local currency, Seoul local currency, and Gyeongnam local currency.
  • the term'Point' is a number given to a customer by a service provider such as a franchise store or shopping mall when a customer purchases a product through various payment means, and has a non-volatile characteristic, and is used in a way that is deducted when a consumer buys a product. From a simple concept, recently, it has been developed in various ways, such as spending it like cash, exchanging with other distributor points, and investing in stocks. Point payment is a point (number) accumulated when purchasing a product at a member store or shopping mall. It is settled with points in a way that
  • FC Fiat Currency
  • FC Fiat Currency
  • the term'credit card' is a small piece of plastic that confirms the customer's identity and account in a credit transaction in which the customer receives goods or services first and then automatically repays the value from the customer's deposit account.
  • Credit card payment Is a service that completes the payment by using a credit card when purchasing products (real/digital) online/offline.In particular, online customers receive payment approval according to the card company-specific authentication (Secure Click/ ISP) method they use. Payment of 300,000 won or more is settled in cash in a way that payment is made through official certification or ARS certification.
  • QR codes are three-dimensional. It can contain information, and in this invention, the merchant QR code is applied.
  • QR payment if an offline affiliate creates a QR code containing the amount paid through a specific Pay affiliate App (APP) without installing a separate terminal in the affiliated store and linking with POS technology, the customer can use the scan function within the specific Pay Customer App (APP). It is settled in cash by scanning the QR code using a simple payment method.
  • APP Pay affiliate App
  • FIG. 1 is a block diagram showing the configuration of a multi-wallet-based 020 multi-payment processing system using a block chain according to an embodiment of the present invention.
  • FIG. 1 is a customer terminal 00) and an affiliated store terminal 200 for convenience of explanation. Although one each is shown, in the present invention, it is preferable that a number of terminals are applied.
  • a multi-wallet-based 020 multi-payment processing system using a block chain includes a plurality of customer terminals 100, a number of affiliated store terminals 200, and a 020 platform 300.
  • 2 to 6 are flow charts explaining the operation of the multi-wallet-based 020 multi-payment processing system using a block chain according to an embodiment of the present invention, FIG. 2 is a cryptocurrency payment, and FIG. 3 is a local currency payment. 4 illustrates an account payment, FIG. 5 illustrates a credit card payment, and FIG. 6 illustrates an operation when ordering by phone.
  • FIG. 7 is a diagram showing a standard settlement procedure for service subjects for each customer terminal payment means according to an embodiment of the present invention.
  • Multiple customer terminals select at least one of the items to be purchased and use online cryptocurrency payment, local currency payment, credit card payment, account payment, point payment, offline order service as a means of payment for the selected purchase item.
  • Select one of the payment method selection data including online identification mobile app II) in case of online order or place order for delivery by phone in case of offline.
  • the customer terminal 100 is an online order service app 110 and offline order
  • the online order service app 110 includes a first selection unit 130 for selecting a commercial item at an online store, and the cryptocurrency payment as a payment means for the selected item for purchase. Payment selector whether to transmit the above payment method selection data including local currency payment, credit card payment, account payment, and ( 311 payment, or mobile app II for online order identification by selecting one of the above points payment) 140).
  • the offline order service unit 150 is a second selection unit 170 that selects commercial items from the pamphlet, and the offline order service as a payment means for the selected purchase items by phone. It includes an offline telephone ordering unit 180.
  • a number of affiliated store terminals 200 analyze the payment method selection data transmitted online from the customer terminal 100, interlock with the payment interface or transmit the offline telephone delivery order information according to the analysis result, and transmit the offline store and a visit to select one of the receipt of your order payment cryptocurrency a payment method for purchases above order, the local currency payments, credit card payments, or bank payments through the parent (3 ⁇ 7 ⁇ , Inc. (600) Payment processing is requested to the bank/card company 700 to complete the payment for the purchased product, and the bank/card company 700 notifies the payment completion information.
  • the affiliated store terminal 200 is an online multiple payment processor app 210, phone order reception and 2020/032314 1»(:1 ⁇ 1 ⁇ 2018/010106 Including delivery requester app 250, and offline multi-payment machine app 270.
  • Online multiple payment processor app (0) is online of the customer terminal 100) Order service
  • Online service classification that provides online service classification data to the platform 300 by identifying the online order identification mobile app II) included in the corresponding payment method selection data from the app (0) and categorizing it as an online service ( 220); And, by analyzing the corresponding payment means selection data received by the online service classifier 220, a payment payment analyzer 230 is provided to provide the payment means analysis result to the platform 300.
  • Telephone Order receipt and delivery requester app 250 is to receive the delivery order from the offline phone ordering unit (180) to remind the delivery order information
  • Offline multi-payment machine app 270 is a payment method for the purchase item ordered by receiving a store visit order, the above cryptocurrency payment, the local currency payment, the credit card payment, the account payment, the (311 payment, Or, by selecting one of the point payments and requesting payment processing to the bank/card company 700 through the company 600, completing the payment for the commercially purchased product, and the
  • a payment selector is provided to inform the merchant terminal 200 of the payment completion information to the bank/card company 700.
  • the 020 platform (300) distinguishes the online/offline service according to the payment method analysis result from the merchant terminal 200 or the phone delivery order information, and in the case of the online service, the payment method analysis result is a password
  • the merchant holding the above merchant terminal by converting the above customer's cryptocurrency into cash based on the cryptocurrency exchange information from the cryptocurrency exchange (500) on the blockchain platform (400). If the customer's local currency is converted into the merchant points provided by this service, and the payment means analysis result is local currency payment, the customer's local currency is converted into the merchant point, and the payment means analysis result is account payment or credit card payment.
  • PG AN company requests the bank/card company (700) for payment processing to complete the payment for commercial products with cash deposited in the customer's bank account.Refer to FIG. 6 in the case of the offline service.
  • an offline delivery request signal is generated and transmitted to the delivery company 800 to deliver the goods for sale, and payment processing is performed according to the payment means selected by the customer who ordered the telephone.
  • the 020 platform 300 includes an on/offline service analyzer 310, an online multiple payment converter 320, a settlement message generator 330 for each payment means, and an offline delivery processor 340.
  • the on/offline service analyzer 310 receives the online service classification data from the online multiple payment processor app (0) of the affiliated store terminal 200 or the delivery order information from the phone order reception and delivery request app 250 It analyzes and classifies the received on/offline service. 2020/032314 1»(:1 ⁇ 1 ⁇ 2018/010106
  • the online multi-payment converter 320 determines that it is an online service, and when the payment method analysis result from the payment payment analyzer 230 is the online service, see Figure 2 when the payment method analysis result is cryptocurrency payment. Then, the customer's cryptocurrency is converted into cash according to the cryptocurrency-cash exchange ratio based on the cryptocurrency exchange information from the cryptocurrency exchange 500 on the blockchain platform 400, and the merchant holding the merchant terminal 3, the customer's local currency is converted to the merchant point, and the result of the payment method analysis is account payment or credit.
  • cryptocurrency settlement card settlement, cash settlement, point settlement, etc. generated from the converter 320
  • cryptocurrency settlement and local money settlement are provided to the merchant terminal 200 by generating a settlement message with points
  • credit card settlement, account Payment, and (311 payment, etc.) are provided to the PCWAN company 600 by generating a cash settlement or credit card settlement message.
  • the offline delivery processor 340 determines that it is an offline service, and in the case of the offline service, an offline delivery request signal when the delivery order information from the delivery request app 250 is received. Generates and sends it to the delivery company 800.
  • the block chain platform 400 is the above from the cryptocurrency exchange 500
  • It includes a cryptocurrency exchange information collector (company 0) that collects cryptocurrency exchange information; and a cryptocurrency exchange information message generator 420 that generates a cryptocurrency-cash exchange ratio based on the collected cryptocurrency exchange information.

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Abstract

상품 구매에 대한 결제 수단으로 현금 계좌 결제, 카드 결제, QR 결제, 포인트 결제 외에 암호화폐 결제, 및 지역화폐 결제 등도 적용할 수 있는 블록체인을 이용한 멀티지갑 기반 온오프라인 다중 결제 처리 시스템이 제공된다. 본 발명은 멀티 지갑 기반 편리한 통합 지불 결제 서비스를 제공하고 블록체인 기반 암호화폐의 실시간 환전 서비스를 위하여 거래소 환전 정보를 이용한 실시간 지불 결제 서비스를 제공하고, 온라인 대 오프라인 통합된 서비스를 통한 고객의 편리성 극대화가 가능하고, 블록체인 기반 온라인 및 오프라인 지불결제 서비스 구축을 통하여 낮은 수수료 적용이 가능하므로 소상공인 서비스 활성화가 증대한다.

Description

2020/032314 1»（：1^1{2018/010106 명세서
발명의명칭:블록체인을이용한멀티지갑기반온오프라인다중 결제처리시스템
기술분야
[1] 본발명은다중결제처리에관한것으로,더욱상세하게는블록체인을이용한 멀티지갑기반온오프라인（011/0 1^;이하’020’이라함）다중결제처리 시스템에 관한것이다.
배경기술
[2] 일반적으로물품을구매하거나서비스를이용한댓가로구매대금또는
이용요금을지불하는상거래 행위는실생활에서 매우다양한방식으로 이루어진다물품을구매（이하,서비스이용을포함하는것으로한다）하고 구매대금（이하,이용요금을포함하는것으로한다）을지불하는방식에따라 분류해보면,구매자가일반판매점에서직접물품을구입하고현금을 지불하거나지로를통하여 대금을납부하는방식,구매자가전화나우편등의 통신수단을통하여통신판매업체에물품을주문하고신용카드나지로를통하여 대금을납부하는방식,구매자가일반카드가맹점에서물품을구입한후 신용카드를통하여 대금을결제하는방식,구매자가인터넷을통하여 인터넷 쇼핑몰에서물품을구입하고신용카드등의지불수단을통하여 대금을 결제하는방식등이 있다.
[3] 위에서 언급한지불결제서비스가기존지불결제서비스와새로운암호화폐 지불결제서비스가별도로분리된개별앱으로구성되어서비스를제공하고 있기 때문에구매자는서비스앱의 이중설치 및사용의불편성을가져오고 있고,가맹점은기존지불결제서비스에새로운암호화폐지불결제서비스를 제공하기 위하여새로운가맹점단말기시스템을구축해야하는추가비용및 운용상의유지보수가어려워지는문제점에 대하여통합멀티지갑서비스를 기반으로단순가맹점 단말기 업데이트등을통하여 해결하기위한방안이 필요하다.
발명의상세한설명
기술적과제
[4] 따라서，본발명은상기와같은문제점을해결하기 위하여 안출된것으로,상품 구매에 대한결제수단으로현금계좌결제,카드결제,（ 1결제,포인트결제 외에 암호화폐결제 및지역화폐결제등도적용할수있는블록체인을이용한 멀티지갑기반 020다중결제처리시스템을제공하는데그목적이 있다. 과제해결수단
[5] 본발명에 따른블록체인을이용한멀티지갑기반 020다중결제처리
시스템은구매물품을적어도하나를선택하고상기선택한구매물품에 대한 2020/032314 1»（：1^1{2018/010106 지불수단으로온라인암호화폐결제,지역화폐결제,신용카드결제,계좌결제, 포인트결제,오프라인주문서비스중의하나를선택하여온라인주문의경우 온라인식별용모바일앱 II）가포함된지불수단선택데이터또는오프라인의 경우전화로배달주문을하는다수의고객단말기 ;상기고객단말기로부터 온라인으로전송된상기지불수단선택데이터를분석하여분석결과에따라 지불결제인터페이스연동또는오프라인전화배달주문정보를전송하고, 오프라인매장을방문한고객의주문을접수하여상기주문한구매물품에대한 지불결제수단으로암호화폐결제,지역화폐결제,신용카드결제,또는계좌 결제중의하나를선택하여 PG/VAN사를통하여은행/카드사에결제처리를 요청하여상기구매상품에대한결제를완료하고,상기은행/카드사에서 결제완료정보를통보받는다수의가맹점단말기 ;및상기가맹점
단말기로부터의상기지불결제수단분석결과또는상기전화배달주문정보에 따라온/오프라인서비스를구분판단하고,상기온라인서비스인경우상기 지불결제수단분석결과가암호화폐결제인경우상기고객의암호화폐를 블록체인플랫폼에서암호화폐거래소부터의암호화폐환전정보를기초로한 암호화폐-현금환전비율에따라현금으로환산하여상기가맹점단말기를 보유한가맹점이제공한가맹점포인트로변환하고,상기지불결제수단분석 결과가지역화폐결제인경우상기고객의지역화폐를상기가맹점포인트로 변환하고,상기지불결제수단분석결과가계좌결제또는신용카드결제인 경우상기 ?（3八7 ^사를통하여상기은행/카드사에결제처리를요청하여상기 고객의은행계좌에입금된현금으로상기구매상품에대한결제를완료하고, 상기오프라인서비스인경우상기수신된전화배달주문정보를기초로 오프라인배달요청신호를발생하여배달사로전송하여상기구매물품을 배달하도록하여상기전화주문한고객이선택한지불결제수단에따라결제 처리를수행하는 020늘랫픔을포함하는것을특징으로한다.
[6] 상기고객단말기는상기구매물품을온라인매장에서선택하는제 1선택부, 및상기선택된구매물품에대한지불결제수단으로상기암호화폐결제,상기 지역화폐결제,상기신용카드결제,상기계좌결제,상기（311결제,또는상기 포인트결제중의하나를선택하여온라인주문식별용모바일앱 II）가포함된 상기지불수단선택데이터를전송하는지불결제선택기를구비한온라인주문 서비스앱;및상기구매물품을팜플렛에서선택하는제 2선택부,및상기 선택된구매물품에대한지불결제수단으로오프라인주문서비스를전화로 배달주문하는오프라인전화주문부를구비하는오프라인주문서비스부를 포함할수있다.
[7] 상기가맹점단말기는상기고객단말기의온라인주문서비스앱으로부터의 상기해당지불수단선택데이터에포함된상기온라인주문식별용모바일앱 II）를확인하여온라인서비스로구분하여온라인서비스구분데이터를상기 플랫폼으로제공하는온라인서비스구분기 ;및상기온라인서비스구분기에 2020/032314 1»（：1^1{2018/010106 의해수신된상기해당지불수단선택데이터를분석하여지불결제수단분석 결과를상기 020플랫폼으로제공하는지불결제분석기를구비하는온라인 다중결제처리기 앱;상기오프라인전화주문부로부터배달주문을접수하여 배달주문정보를상기플랫폼으로전송하는전화주문접수및배달요청기 앱; 및매장방문주문을접수하여상기주문한구매물품에대한지불수단으로 상기암호화폐결제,상기지역화폐결제,상기신용카드결제,상기계좌결제, 상기 (311결제,또는상기포인트결제중의하나를선택하여상기 PG/VAN^l-l - 통하여상기은행/카드사에결제처리를요청하여상기구매상품에대한결제를 완료하고,상기은행/카드사로하여금결제완료정보를상기가맹점단말기로 통보하도록하는지불결제선택기를구비하는오프라인다중결제기앱을 포함할수있다.
[8] 상기 020플랫폼은상기가맹점단말기의온라인다중결제처리기
앱로부터의온라인서비스구분데이터또는상기전화주문접수및배달요청기 앱으로부터상기배달주문정보를수신하여온/오프라인서비스를분석하여 구분하는온/오프라인서비스분석기 ;온라인서비스로판단하고상기지불결제 분석기로부터의지불수단분석결과가상기온라인서비스인경우상기 지불결제수단분석결과가암호화폐결제인경우상기고객의암호화폐를상기 블록체인플랫폼에서상기암호화폐거래소로부터의암호화폐환전정보를 기초로한암호화폐-현금환전비율에따라현금으로환산하여상기가맹점 단말기를보유한가맹점이제공한가맹점포인트로변환하고,상기지불결제 수단분석결과가지역화폐결제인경우상기고객의지역화폐를상기가맹점 포인트로변환하고,상기지불결제수단분석결과가계좌결제또는신용카드 결제인경우상기 PG/VAN사를통하여상기은행/카드사에결제처리를 요청하여상기고객의은행계좌에입금된현금으로상기구매상품에대한 결제를완료하고,상기은행/카드사로하여금결제완료정보를상기가맹점 단말기로전송하도록하는지불결제수단과정산방식을분석및결정하는지불 수단분석기를구비하는온라인다중결제변환기 ;상기온라인다중결제 변환기로부터생성된암호화폐정산,카드정산,현금정산,포인트정산등 중에서암호화폐결제와지역화폐결제는포인트로정산메시지를생성하여 상기가맹점단말기로제공하고신용카드결제,계좌결제,및 (311결제등은현금 정산또는신용카드정산메시지를생성하여상기 PG AN사로제공하는 지불결제수단별정산메시지생성기;및오프라인서비스로판단하고상기 오프라인서비스인경우상기배달요청기앱으로부터의상기배달주문정보가 수신된경우오프라인배달요청신호를발생하여배달사로전송하는오프라인 배달처리기를포함할수있다.
[9] 상기블록체인플랫폼은상기암호화폐거래소로부터의상기암호화폐환전 정보를수집하는암호화폐환전정보수집기 ;및상기수집된암호화폐 환전정보를기초로한암호화폐-현금환전비율을생성하는암호화폐환전정보 메시지생성기를포함할수있다.
발명의효과
[1이 종래기술은개별지불결제서비스로인하여고객불편성이증대한다.이에 반해본발명은멀티지갑기반편리한통합지불결제서비스를제공한다.종래 기술은블록체인기반암호화폐의실시간환전서비스제공이어렵다.이에반해 본발명은블록체인기반암호화폐의실시간환전서비스를위하여거래소환전 정보를이용한실시간지불결제서비스를제공한다.종래기술은온라인대 오프라인분리된서비스의불편성이증대한다.이에반해본발명은온라인대 오프라인통합된서비스를통한고객의편리성극대화가가능하다.종래기술은 온라인대오프라인지불결제서비스높은수수료로인한소상공인서비스 활성화가저해한다.이에반해,본발명은블록체인기반온라인및오프라인 지불결제서비스구축을통하여낮은수수료적용이가능하므로소상공인 서비스활성화가증대한다.
도면의간단한설명
[11] 도 1은본발명의일실시예에따른블록체인을이용한멀티지갑기반다중 결제처리시스템의구성을나타낸블록도이다.
[12] 도 2내지도 6은본발명의실시예에따른블록체인을이용한멀티지갑기반 다중결제처리시스템의동작을설명하는흐름도이다.
[13] 도 7은본발명의실시예에따른고객단말기결제수단별서비스주체기준 정산처리절차를나타낸도면이다.
발명의실시를위한형태
[14] 용어’블록체인’은분산데이터베이스의한형태로,지속적으로성장하는
데이터기록리스트로서분산노드의운영자에의한임의조작이불가능하도록 고안되었다트랜잭션은기존의대차형태의잔액가감을검증하기위한 스크립트내존재하는여유데이터영역에임의의데이터를기록할수있기 때문에블록체인의해시를기록할수있다.해시는임의길이의데이터를고정된 길이의데이터로매핑하는알고리즘으로해시함수에의해얻어지는값은해시 값,해시코드,체크섬또는해시등으로불린다.해시함수의가장기본적인 성질은두해시값이다르다면원래의데이터도다르다는것이다반대로해시 함수는단사함수가아니므로같은해시값을갖더라도원래의입력값이같다는 것을시사하지만보장해주지는않는다.
[15] 용어’암호화폐 (Crypto Currency: CC)’는암호학적기법을통해보안을담보하고 거래내용을블록체인분산장부에저장하여은행과같은제 3자의보증없이도 탈중앙화된신뢰를보장하는새로운자산종류로변동성이면서글로벌하게 사용가능한화폐이다.상기암호화폐의예에는비트코인및이더리움등이 있다.암호화폐결제는고객이암호화폐를소프트웨어혹은하드웨어
매체 (=전자지갑)에저장하였다가물건을구매할시점에암호화폐로결제하는 방식으로포인트로정산한다.
[16] 용어’지역화폐 (Local Currency; LC)’는암호화폐를특정지역에서만
통용되도록사용을제한한화폐로비변동성화폐를의미한다.지역화폐의 예에는성남지역화폐,서울지역화폐,및경남지역화폐등이있다.지역화폐 결제는고객이지역화폐를소프트웨어혹은하드웨어매체 (=전자지갑)에 저장하였다가물건을구매할시점에지역화폐로결제하는방식으로포인트로 정산한다.
[17] 용어’포인트 (Point)’는고객이여러가지결제수단을통하여물건을구매시 가맹점혹은쇼핑몰와같은서비스제공자가고객에게부여하는숫자로 비변동성특징을가지며 ,소비자가물건을살때차감하는방식으로이용하는 단순한개념에서최근엔여기서벗어나현금처럼쓰고,다른유통사포인트와 교환및주식투자를하는등다양한방식으로발전하고있다.포인트결제는 가맹점혹은쇼핑몰등에서물건구매시적립된포인트 (숫자)로물건을구매시 포인트로결제하는방식으로포인트로정산한다.
[18] 용어 '현금 (Fiat Currency: FC)'은현금통화로강제통용력을가지는화폐로, 중앙은행이발행한은행권과정부발행의보조화폐를의미하며고객이보유한 현금이다.현금결제 (=계좌결제)는온라인의경우물건을구매시현금으로 결제하는방식으로현금으로정산한다.
[19] 용어’신용카드’는고객이상품이나서비스를먼저받고,나중에그값을고객의 예금계좌에서자동적으로갚게하는신용거래에서,고객의신분과계좌를 확인해주는작은플라스틱조각이다.신용카드결제는온/오프라인상에서 상품 (실물/디지털)을구매시신용카드를이용하여결제를완료하는서비스이며, 특히온라인에서고객은본인이사용하는카드사별인증 (안심클릭/ ISP)방식에 따라결제승인을받고 30만원이상결제시공인인증또는 ARS인증등을 통하여결제를진행하는방식으로현금으로정산한다.
[2이 용어 'QR(Quick Response)코드’는흑백격자무늬패턴으로정보를나타내는 매트릭스형식의바코드로,기존바코드가용량제한에따라가격과상품명등 한정된정보만담는데비해 QR코드는 3차원적인다양한정보를담을수 있으며,본발명에서는가맹점 QR코드가적용된다. QR결제는가맹점내별도 단말기설치및 POS기기술연동없이오프라인가맹점에서는특정페이가맹점 앱 (APP)을통해결제금액이포함된 QR코드를생성하면,고객은특정페이고객 앱 (APP)내스캔기능을이용하여 QR코드를스캔하여간편하게결제하는 방식으로현금으로정산한다.
[21] 이하,첨부도면을참조하여본발명의실시 예를상세히설명하면다음과같다.
[22] 본발명을설명함에있어서,관련된공지기능혹은구성에대한구체적인
설명이본발명의요지를불필요하게흐릴수있다고판단되는경우그상세한 설명은생략한다.또한,후술되는용어들은본발명에서의기능을고려하여 정의된용어들로서이는사용자,운용자의의도또는판례등에따라달라질수 2020/032314 1»（：1^1{2018/010106 있다.그러므로그정의는본명세서 전반에걸친내용을토대로내려져야할 것이다.
[23] 도 1은본발명의실시예에따른블록체인을이용한멀티지갑기반 020다중 결제처리시스템의구성을나타낸블록도이다.도 1에는설명의편의를위해 고객단말기 00)및가맹점 단말기 (200)가각각 1개도시되어 있지만,본 발명에서는다수의단말기가적용되는것이 바람직하다.
[24] 도 1을참조하면,본발명의실시예에따른블록체인을이용한멀티지갑기반 020다중결제처리시스템은다수의고객단말기 (100),다수의 가맹점 단말기 (200),및 020플랫폼 (300)을포함한다.도 2내지도 6은본발명의 실시예에 따른블록체인을이용한멀티지갑기반 020다중결제처리시스템의 동작을설명하는흐름도들로서 ,도 2는암호화폐결제시 ,도 3은지역화폐 결제시,도 4는계좌결제시,도 5는신용카드결제시,도 6은전화주문시동작을 설명한다.도 7은본발명의실시예에 따른고객단말기결제수단별서비스주체 기준정산처리 절차를나타낸도면이다.
[25] 다수의고객단말기 (100)는구매물품을적어도하나를선택하고상기선택한 구매물품에 대한지불수단으로온라인암호화폐결제,지역화폐결제, 신용카드결제,계좌결제,포인트결제,오프라인주문서비스중의하나를 선택하여온라인주문의 경우온라인식별용모바일 앱 II)가포함된지불수단 선택 데이터또는오프라인의경우전화로배달주문을한다.
[26] 상기고객단말기 (100)는온라인주문서비스앱 (110)및오프라인주문
서비스부 (150)를포함한다.온라인주문서비스앱 (110)은상기구매물품을 온라인매장에서선택하는제 1선택부 (130),및상기선택된구매물품에 대한 지불결제수단으로상기 암호화폐결제,상기지역화폐결제,상기신용카드 결제,상기 계좌결제,상기 (311결제,또는상기포인트결제중의하나를 선택하여온라인주문식별용모바일 앱 II)가포함된상기지불수단선택 데이터를전송하는지불결제선택기 (140)를구비한다.오프라인주문 서비스부 (150)는상기구매물품을팜플렛에서선택하는제 2선택부 (170),및 상기선택된구매물품에 대한지불결제수단으로오프라인주문서비스를 전화로배달주문하는오프라인전화주문부 (180)를포함한다.
[27] 다수의가맹점 단말기 (200)는상기고객단말기 (100)로부터온라인으로전송된 상기지불수단선택 데이터를분석하여분석 결과에따라지불결제 인터페이스 연동또는오프라인전화배달주문정보를전송하고,오프라인매장을방문한 고객의주문을접수하여상기주문한구매물품에 대한지불결제수단으로 암호화폐결제,지역화폐결제,신용카드결제,또는계좌결제중의하나를 선택하여모(3八7 ^사 (600)를통하여은행/카드사 (700)에결제처리를요청하여 상기구매상품에 대한결제를완료하고,상기은행/카드사 (700)에서 결제완료 정보를통보받는다.
[28] 상기가맹점 단말기 (200)는온라인다중결제처리기 앱 (210),전화주문접수및 2020/032314 1»（：1^1{2018/010106 배달요청기앱 (250),및오프라인다중결제기 앱 (270)을포함한다.온라인다중 결제처리기앱 ( 0)은상기고객단말기 (100)의온라인주문서비스
앱( 0)으로부터의상기해당지불수단선택데이터에포함된상기온라인주문 식별용모바일앱 II)를확인하여온라인서비스로구분하여온라인서비스구분 데이터를상기플랫폼 (300)으로제공하는온라인서비스구분기 (220);및상기 온라인서비스구분기 (220)에의해수신된상기해당지불수단선택데이터를 분석하여지불결제수단분석결과를상기플랫폼 (300)으로제공하는지불결제 분석기 (230)를구비한다.전화주문접수및배달요청기 앱 (250)은상기오프라인 전화주문부 ( 180)로부터배달주문을접수하여배달주문정보를상기
플랫폼 (300)로전송한다.
[29] 오프라인다중결제기앱 (270)은매장방문주문을접수하여상기주문한구매 물품에대한지불수단으로상기암호화폐결제,상기지역화폐결제,상기 신용카드결제,상기계좌결제,상기 (311결제,또는상기포인트결제중의 하나를선택하여상기 사 (600)를통하여상기은행/카드사 (700)에결제 처리를요청하여상기구매상품에대한결제를완료하고,상기
은행/카드사 (700)로하여금결제완료정보를상기가맹점단말기 (200)로 통보하도록하는지불결제선택기를구비한다.
[3이 020플랫폼 (300)은상기가맹점단말기 (200)로부터의상기지불결제수단 분석결과또는상기전화배달주문정보에따라온/오프라인서비스를구분 판단하고,상기온라인서비스인경우상기지불결제수단분석결과가암호화폐 결제인경우상기고객의암호화폐를블록체인플랫폼 (400)에서암호화폐 거래소 (500)부터의암호화폐환전정보를기초로한암호화폐-현금환전비율에 따라현금으로환산하여상기가맹점단말기를보유한가맹점이제공한가맹점 포인트로변환하고,상기지불결제수단분석결과가지역화폐결제인경우상기 고객의지역화폐를상기가맹점포인트로변환하고,상기지불결제수단분석 결과가계좌결제또는신용카드결제인경우상기 PG AN사 (600)를통하여 은행/카드사 (700)에결제처리를요청하여상기고객의은행계좌에입금된 현금으로상기구매상품에대한결제를완료하고,상기오프라인서비스인경우 도 6을참조하면상기수신된전화배달주문정보를기초로오프라인배달요청 신호를발생하여배달사 (800)로전송하여상기구매물품을배달하도록하여 상기전화주문한고객이선택한지불결제수단에따라결제처리를수행한다.
[31] 상기 020플랫폼 (300)은온/오프라인서비스분석기 (310),온라인다중결제 변환기 (320),지불결제수단별정산메시지생성기 (330),및오프라인배달 처리기 (340)를포함한다.
[32] 온/오프라인서비스분석기 (310)는상기가맹점단말기 (200)의온라인다중 결제처리기앱 ( 0)로부터의온라인서비스구분데이터또는상기전화주문 접수및배달요청기앱 (250)로부터상기배달주문정보를수신하여온/오프라인 서비스를분석하여구분한다. 2020/032314 1»（：1^1{2018/010106
[33] 온라인다중결제변환기 (320)는온라인서비스로판단하고상기지불결제 분석기 (230)로부터의지불수단분석결과가상기온라인서비스인경우상기 지불결제수단분석결과가암호화폐결제인경우도 2를참조하면,상기고객의 암호화폐를상기블록체인플랫폼 (400)에서상기암호화폐거래소 (500)로부터의 암호화폐환전정보를기초로한암호화폐-현금환전비율에따라현금으로 환산하여상기가맹점단말기를보유한가맹점이제공한가맹점포인트로 변환하고,상기지불결제수단분석결과가지역화폐결제인경우도 3을 참조하면상기고객의지역화폐를상기가맹점포인트로변환하고,상기 지불결제수단분석결과가계좌결제또는신용카드결제인경우도 4및도 5를 참조하면
Figure imgf000010_0001
통하여상기은행/카드사 (700)에결제처리를 요청하여상기고객의은행계좌에입금된현금으로상기구매상품에대한 결제를완료하고,상기은행/카드사 (600)로하여금결제완료정보를상기가맹점 단말기 (200)로전송하도록하는지불결제수단과정산방식을분석및결정하는 지불수단분석기를구비한다.
[34] 지불결제수단별정산메시지생성기 (330)는상기온라인다중결제
변환기 (320)로부터생성된암호화폐정산,카드정산,현금정산,포인트정산등 중에서암호화폐결제와지역화폐결제는포인트로정산메시지를생성하여 상기가맹점단말기 (200)로제공하고신용카드결제,계좌결제,및 (311결제등은 현금정산또는신용카드정산메시지를생성하여상기 PCWAN사 (600)에게 제공한다.
[35] 도 1및도 6을참조하면,오프라인배달처리기 (340)는오프라인서비스로 판단하고상기오프라인서비스인경우상기배달요청기앱 (250)으로부터의 상기배달주문정보가수신된경우오프라인배달요청신호를발생하여 배달사 (800)로전송한다.
[36] 상기블록체인플랫폼 (400)은상기암호화폐거래소 (500)로부터의상기
암호화폐환전정보를수집하는암호화폐환전정보수집기 (사 0);및상기수집된 암호화폐환전정보를기초로한암호화폐-현금환전비율을생성하는암호화폐 환전정보메시지생성기 (420)를포함한다.
[37] 한편,본발명의상세한설명및첨부도면에서는구체적인실시예에관해
설명하였으나,본발명은개시된실시예에한정되지않고본발명이속하는 기술분야에서통상의지식을가진자에게있어본발명의기술적사상을 벗어나지않는범위내에서여러가지치환,변형및변경이가능하다.따라서,본 발명의범위는설명된실시예에국한되어정해져서는안되며후술하는 특허청구범위뿐만아니라이특허청구범위와균등한것들을포함하는것으로 해석되어야할것이다.

Claims

2020/032314 1»（：1/10公018/010106 청구범위
[청구항 1] 구매물품을적어도하나를선택하고상기선택한구매물품에대한지불 수단으로온라인암호화폐결제,지역화폐결제,신용카드결제,계좌 결제,포인트결제,오프라인주문서비스중의하나를선택하여온라인 주문의경우온라인식별용모바일앱 II）가포함된지불수단선택데이터 또는오프라인주문의경우전화로배달주문을하는다수의고객단말기 ; 상기고객단말기로부터온라인으로전송된상기지불수단선택 데이터를분석하여분석결과에따라지불결제인터페이스연동또는 오프라인전화배달주문정보를전송하고,오프라인매장을방문한 고객의주문을접수하여상기주문한구매물품에대한지불결제 수단으로암호화폐결제,지역화폐결제,신용카드결제,또는계좌결제 중의하나를선택하여 PG/VAN사를통하여은행/카드사에결제처리를 요청하여상기구매상품에대한결제를완료하고,상기은행/카드사에서 결제완료정보를통보받는다수의가맹점단말기 ;및
상기가맹점단말기로부터의상기지불결제수단분석결과또는상기 전화배달주문정보에따라온/오프라인서비스를구분판단하고,상기 온라인서비스인경우상기지불결제수단분석결과가암호화폐결제인 경우상기고객의암호화폐를블록체인플랫폼에서암호화폐 거래소부터의암호화폐환전정보를기초로한암호화폐-현금환전 비율에따라현금으로환산하여상기가맹점단말기를보유한가맹점이 제공한가맹점포인트로변환하고,상기지불결제수단분석결과가 지역화폐결제인경우상기고객의지역화폐를상기가맹점포인트로 변환하고,상기지불결제수단분석결과가상기계좌결제또는신용카드 결제인경우상기 PG/VAN사를통하여상기은행/카드사에결제처리를 요청하여상기고객의은행계좌에입금된현금으로상기구매상품에 대한결제를완료하고,상기오프라인서비스인경우상기수신된전화 배달주문정보를기초로오프라인배달요청신호를발생하여배달사로 전송하여상기구매물품을배달하도록하여상기전화주문한고객이 선택한지불결제수단에따라결제처리를수행하는온오프라인 플랫폼을포함하는블록체인을이용한멀티지갑기반온오프라인다중 결제처리시스템.
[청구항 2] 제 1항에있어서 ,상기고객단말기는
상기구매물품을온라인매장에서선택하는제 1선택부,및상기선택된 구매물품에대한지불결제수단으로상기암호화폐결제,상기지역화폐 결제,상기신용카드결제,상기계좌결제,상기（311결제,또는상기 포인트결제중의하나를선택하여온라인주문식별용모바일앱 II）가 포함된상기지불수단선택데이터를전송하는지불결제선택기를 2020/032314 1»（：1^1{2018/010106 구비한온라인주문서비스앱;및
상기구매물품을팜플렛에서선택하는제 2선택부,및상기선택된구매 물품에대한지불결제수단으로오프라인주문서비스를전화로배달 주문하는오프라인전화주문부를구비하는오프라인주문서비스부를 포함하는블록체인을이용한멀티지갑기반온오프라인다중결제처리 시스템.
[청구항 3] 제 2항에있어서 ,상기가맹점단말기는
상기고객단말기의온라인주문서비스앱으로부터의상기해당지불 수단선택데이터에포함된상기온라인주문식별용모바일앱 II)를 확인하여온라인서비스로구분하여온라인서비스구분데이터를상기 플랫폼으로제공하는온라인서비스구분기;및상기온라인서비스 구분기에의해수신된상기해당지불수단선택데이터를분석하여 지불결제수단분석결과를상기온오프라인플랫폼으로제공하는 지불결제분석기를구비하는온라인다중결제처리기앱; 상기오프라인전화주문부로부터배달주문을접수하여배달주문 정보를상기플랫폼으로전송하는전화주문접수및배달요청기앱;및 매장방문주문을접수하여상기주문한구매물품에대한지불수단으로 상기암호화폐결제,상기지역화폐결제,상기신용카드결제,상기계좌 결제,상기 (311결제,또는상기포인트결제중의하나를선택하여상기 ?(3八7 ^사를통하여상기은행/카드사에결제처리를요청하여상기 구매상품에대한결제를완료하고,상기은행/카드사로하여금결제완료 정보를상기가맹점단말기로통보하도록하는지불결제선택기를 구비하는오프라인다중결제기앱을포함하는블록체인을이용한 멀티지갑기반온오프라인다중결제처리시스템.
[청구항 4] 제 3항에있어서,상기온오프라인플랫폼은
상기가맹점단말기의온라인다중결제처리기앱로부터의온라인 서비스구분데이터또는상기전화주문접수및배달요청기앱으로부터 상기배달주문정보를수신하여온/오프라인서비스를분석하여 구분하는온/오프라인서비스분석기 ;
온라인서비스로판단하고상기지불결제분석기로부터의지불수단 분석결과가상기온라인서비스인경우상기지불결제수단분석결과가 암호화폐결제인경우상기고객의암호화폐를상기블록체인 플랫폼에서상기암호화폐거래소로부터의암호화폐환전정보를기초로 한암호화폐-현금환전비율에따라현금으로환산하여상기가맹점 단말기를보유한가맹점이제공한가맹점포인트로변환하고,상기 지불결제수단분석결과가지역화폐결제인경우상기고객의 지역화폐를상기가맹점포인트로변환하고,상기지불결제수단분석 결과가계좌결제또는신용카드결제인경우상기 PG AN사를통하여 2020/032314 1»（：1^1{2018/010106 상기은행/카드사에결제처리를요청하여상기고객의은행계좌에 입금된현금으로상기구매상품에대한결제를완료하고,상기 은행/카드사로하여금결제완료정보를상기가맹점단말기로
전송하도록하는지불결제수단과정산방식을분석및결정하는지불 수단분석기를구비하는온라인다중결제변환기 ;
상기온라인다중결제변환기로부터생성된암호화폐정산,카드정산, 현금정산,포인트정산등중에서암호화폐결제와지역화폐결제는 포인트로정산메시지를생성하여상기가맹점단말기로제공하고 신용카드결제,계좌결제,및 요결제등은현금정산또는신용카드정산 메시지를생성하여상기모（3 AN사로제공하는지불결제수단별정산 메시지생성기;및
오프라인서비스로판단하고상기오프라인서비스인경우상기배달 요청기 앱으로부터상기배달주문정보가수신된경우오프라인배달 요청신호를발생하여상기배달사로전송하는오프라인배달처리기를 포함하는블록체인을이용한멀티지갑기반온오프라인다중결제처리 시스템.
[청구항 5] 제 1항내지제 4항중의어느한항에 있어서,상기블록체인플랫폼은 상기암호화폐거래소로부터상기암호화폐환전정보를수집하는 암호화폐환전정보수집기 ;및
상기수집된암호화폐환전정보를기초로한암호화폐-현금환전비율을 생성하는암호화폐환전정보메시지생성기를포함하는블록체인을 이용한멀티지갑기반온오프라인다중결제처리시스템.
PCT/KR2018/010106 2018-08-06 2018-08-31 블록체인을 이용한 멀티지갑 기반 온오프라인 다중 결제 처리 시스템 WO2020032314A1 (ko)

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