WO2020197247A1

WO2020197247A1 - Payment gateway system for providing support by interworking with service provision system for providing service to users on basis of first payment means in virtual asset so as to provide service on basis of second payment means in non-virtual asset, and payment gateway method using payment gateway system

Info

Publication number: WO2020197247A1
Application number: PCT/KR2020/004021
Authority: WO
Inventors: 황윤식; 나주엽
Original assignee: (주)링카코리아
Priority date: 2019-03-25
Filing date: 2020-03-24
Publication date: 2020-10-01
Also published as: KR20200116042A

Abstract

The present invention relates to a payment gateway system for providing support by interworking with a service provision system, which provides a blockchain-based service to users on the basis of a first payment means in a virtual asset, so as to provide the service on the basis of a second payment means in a non-virtual asset, the payment gateway system comprising: (a) receiving first information concerning the first payment means and/or second information concerning the second payment means, together with a request that an entire or part of purchase amount be paid on the basis of the second payment means, the request being sent from the user who is to access the service, (b) on the reception thereof, requesting from the user his/her signature for a purchase transaction between the user and the service provision system, (c) receiving the signature for the purchase transaction from the user, (d) completing the payment in the second payment means by sending the second information, together with a request for the payment of the entire or part of the purchase amount, to a payment server associated with the second payment means, and then receiving, from the payment server, an authorization for the payment of the entire or part of the purchase amount, and (e) completing the payment in the first payment means by receiving the signature for the purchase transaction, and then having a virtual asset transmitted to the service provision system as the purchase transaction proceeds. Accordingly, it is possible to improve user convenience of payments by supporting compatibility between an existing payment system and a DApp.

Description

A payment agency system that supports to provide the service based on a second payment method by non-virtual asset in connection with a service providing system that provides services to users based on the first payment method by virtual assets, and Payment agency method used

The present invention relates to a system including a service providing system that provides a service to a user based on a first payment method by a virtual asset and a method using the same, and more specifically, to a first payment method by a virtual asset. The present invention relates to a payment agency system that supports to provide the service based on a second payment method by non-virtual asset in connection with a service providing system that provides a service to a user, and a payment agency method using the same.

Blockchain takes decentralization as its core concept, aiming for P2P (Peer to Peer) transactions, away from the existing financial system that secures and manages all transactions in financial institutions. P2P refers to a communication network that connects personal computers without a server or client, and each connected computer acts as a server and a client and shares information.

In the existing financial system, financial institutions have kept transaction records on a central server, whereas in a block chain based on the P2P method, transaction information (data) is stored in a block and connected in a chain form, which is shared by all participants.

The transaction process is as follows. ① A requests to B for a transaction, such as a request for remittance ② A block containing the transaction information is created. ③ When the block is transmitted to all participants on the network, the participants mutually verify the validity of the transaction information. ④ The transaction details that match the data of the majority of participants are checked with the normal ledger, and the verified block is linked to the previous block, and a copy is made and distributed to each user's computer. ⑤ A transfers money to B and the transaction is completed.

In this way, every time a transaction is made, a block containing transaction information is created and continuously connected, distributed and stored on the computers of all participants.In order to modify, forge or falsify arbitrarily by hacking it, transaction information of more than half of all participants must be modified simultaneously. impossible. Therefore, unlike the existing financial system that protects and manages transaction information by blocking access, in a blockchain, all transaction information is disclosed so that anyone can access it, and transactions are secured between parties without guarantees from a trusted third party such as a bank. Done.

On the other hand, in this blockchain technology, a smart contract, a program that records transaction conditions in the blockchain and automatically executes the contract when the contract conditions are met, is based on a platform made with blockchain technology, that is, the mainnet. Distributed applications are being developed, which are referred to as DApp (Decentralized Application). Currently, various dapps are being developed, including games, exchanges, future forecasting, job search/job market, and identity management, and are expected to be remarkable in fields dealing with data security or disclosure such as finance, e-commerce, and healthcare.

However, in order for users to purchase services or products provided by the existing DApp, they must have a payment method specified by the service or prepare in advance.

Blockchain-based DApps are not compatible with existing payment methods other than virtual assets, such as account transfer, credit/debit card, mobile phone micropayment, simple payment, and points, due to the technical characteristics of the blockchain or distributed ledger. .

As a result, the blockchain-based DApp provides only new types of payment methods based on virtual assets to users who are familiar with existing payment methods other than virtual assets to use them, requiring acquisition of prior knowledge about blockchain and virtual assets. do.

Therefore, in the case of a user who does not have a virtual asset, it is necessary to obtain compensation after activities or contributions according to the compensation policy set in the DApp, or purchase and prepare in advance at a service such as an exchange that handles the virtual asset. There is a problem that it takes a long time or is cumbersome because it requires membership registration and fulfillment of customer verification obligations.

Accordingly, it is an object of the present invention to provide services to users based on the first payment method by virtual assets, which can support mutual compatibility between the existing payment system and the DApp so that they can purchase services provided by the DApp even with the existing payment method. It is to provide a payment agency system that supports to provide the service based on a second payment method based on a non-virtual asset in connection with a service providing system that provides and a payment agency method using the same.

Another object of the present invention is to interoperate with a service providing system that provides services to users based on a first payment method using virtual assets, which can improve the user's payment convenience by supporting mutual compatibility between the existing payment system and DApp. Therefore, it is intended to provide a payment agency system that supports providing the service based on a second payment method by non-virtual bank account and a payment agency method using the same.

The problems to be solved by the present invention are not limited to the problems mentioned above, and other problems that are not mentioned will be clearly understood by those skilled in the art from the following description.

The above object, according to an aspect of the present invention,

Payment that supports the provision of the service based on a second payment method based on non-virtual asset in connection with a service providing system that provides a block chain-based service to users based on the first payment method by virtual assets In the agency system,

(a) First information related to the first payment method and/or the second payment together with a request for payment for all or part of the purchase price based on the second payment method from the user who wishes to receive the service Upon receiving the second information relating to the means,

(b) requesting the user to sign a purchase transaction between the user and the service providing system,

(c) receiving, from the user, a signature for the purchase transaction,

(d) With the second information, a request for payment for all or part of the purchase price is requested from the payment server related to the second payment method, and the payment for all or part of the purchase price is requested from the payment server. Receiving approval to complete the payment by the second payment method,

(e) After receiving the signature for the purchase transaction, the virtual asset is remitted to the service providing system according to the execution of the purchase transaction to complete the payment by the first payment method, achieved by a payment agency system. do.

In addition, remittance of the virtual asset to the service providing system according to the execution of the purchase transaction may be directly remitted through the user or without the user.

In addition, in (b), by requesting the user to sign a rollback transaction between the user and the payment agency system,

In (c), further comprising, from the user, receiving a signature for a rollback transaction,

When the payment by the first payment method is not completed because the purchase transaction is not successfully executed, the received signed rollback transaction may be executed.

Further, through the service providing system, before receiving a payment request for the purchase price, the user subscribes as a member who can receive the service and inputs the first information and/or the second information in advance. can do.

Furthermore, (b) requesting a signature for the purchase transaction and (c) receiving a signature for the purchase transaction may be performed before or after (d) completing payment by the second payment method.

In addition, it is preferable that the virtual asset transferred to the service providing system according to the execution of the purchase transaction includes at least the purchase price approved for payment by a payment server that provides payment by the second payment means.

Furthermore, after receiving the signature for the purchase transaction, the purchase transaction may be transmitted before or after the virtual asset is remitted to the service providing system according to the execution of the purchase transaction.

The above object, according to another aspect of the present invention,

(a) A request for payment for all or part of the purchase price based on the second payment method from the user who wishes to receive the service, together with first information related to the first payment method and the second payment method Upon receiving the relevant second information,

(b) With the second information, a request for payment for all or part of the purchase price is requested from the payment server related to the second payment method, and the payment for all or part of the purchase price is requested from the payment server. Receiving approval to complete the payment by the second payment method,

(c) After completion of payment by the second payment means, the virtual asset is transferred to the service according to the execution of a first purchase transaction between the payment agency system and the service providing system that provides the service based on the first payment means. Complete the payment by the first payment method by allowing the money to be remitted to the providing system,

(d) transfer ownership according to a second purchase transaction between the user and the payment agency system,

At this time, the execution of the first purchase transaction and the execution of the second purchase transaction are achieved by a payment agency system that is executed sequentially as separate transactions or simultaneously as a single transaction.

In addition, before executing a first purchase transaction between the payment agency system and the service providing system that provides the service based on the first payment means, the first purchase transaction is signed, and/or the first Signing the first rollback transaction related to cancellation of the purchase transaction,

When payment by the first payment method is not completed because the first purchase transaction is not successfully executed, the first rollback transaction may be executed.

In addition, through the service providing system, before receiving a payment request for the purchase price, the user subscribes as a member who can receive the service and inputs the first information and/or the second information in advance. can do.

Further, it is preferable that the virtual asset remitted to the service providing system according to the execution of the first purchase transaction includes at least the purchase price approved for payment by a payment server that provides payment by the second payment means.

The above object, according to another aspect of the present invention,

Payment that supports the provision of the service based on a second payment method based on non-virtual asset in connection with a service providing system that provides a block chain-based service to users based on the first payment method by virtual assets In the payment agency method using an agency system,

(a) A request for payment for all or part of the purchase price based on the second payment method from the user who wishes to receive the service, together with first information related to the first payment method and the second payment method Receiving related second information;

(b) requesting the user to sign a purchase transaction between the user and the service providing system;

(c) receiving, from the user, a signature for the purchase transaction;

(d) With the second information, a request for payment for all or part of the purchase price is requested from the payment server related to the second payment method, and the payment for all or part of the purchase price is requested from the payment server. Receiving approval and completing payment by the second payment means; And

(e) after receiving the signature for the purchase transaction, the virtual asset is remitted to the service providing system according to the execution of the purchase transaction to complete the payment by the first payment method. Achieved by the method.

In addition, at least prior to execution of the purchase transaction,

Requesting the user to sign a rollback transaction between the user and the payment agency system,

Further comprising, from the user, receiving a signature for a rollback transaction,

When the payment by the first payment means is not completed because the purchase transaction is not successfully executed, executing the received signed rollback transaction.

Further, through the service providing system, before receiving a payment request for the purchase price, the user subscribes as a member who can receive the service and inputs the first information and/or the second information in advance. It may further include steps that can be done.

Furthermore, (b) requesting a signature for the purchase transaction and (c) receiving a signature for the purchase transaction may be performed before or after (d) completing payment by the second payment method. Can be done.

Further, after receiving the signature for the purchase transaction, transmitting the purchase transaction before or after the virtual asset is remitted to the service providing system according to the execution of the purchase transaction.

The above object, according to another aspect of the present invention,

(b) With the second information, a request for payment for all or part of the purchase price is requested from the payment server related to the second payment method, and the payment for all or part of the purchase price is requested from the payment server. Receiving approval and completing payment by the second payment means;

(c) After completion of payment by the second payment means, the virtual asset is transferred to the service according to the execution of a first purchase transaction between the payment agency system and the service providing system that provides the service based on the first payment means. Completing payment by the first payment means by remittance to the providing system; And

(d) transferring ownership according to execution of a second purchase transaction between the user and the payment agency system,

At this time, the execution of the first purchase transaction and the execution of the second purchase transaction are achieved by a payment proxy method that is executed sequentially as separate transactions or simultaneously as a single transaction.

In addition, before executing a first purchase transaction between the payment agency system and the service providing system that provides the service based on the first payment means,

Signing the first purchase transaction and/or signing a first rollback transaction related to cancellation of the first purchase transaction, and

When the first purchase transaction is not successfully executed and the payment by the first payment means is not completed, executing the first rollback transaction.

In addition, through the service providing system, before receiving a payment request for the purchase price, the user subscribes as a member who can receive the service and inputs the first information and/or the second information in advance. It may further include steps that can be done.

In order to provide the service based on the second payment method by non-virtual asset in connection with the service providing system that provides the service to the user based on the first payment method by the virtual asset of the present invention as described above. According to the supported payment agency system and the payment agency method using the same, there is an advantage in that it is possible to support mutual compatibility between the existing payment system and DApp so that you can purchase the services provided by DApp even with the existing payment method.

In addition, payment that supports the provision of the service based on the second payment method by non-virtual asset in connection with the service providing system that provides services to the user based on the first payment method by the virtual asset of the present invention. According to the agency system and the payment agency method using the same, there is an advantage that it is possible to improve the user's payment convenience by supporting mutual compatibility between the existing payment system and the DApp.

1 is a flowchart according to the first embodiment of the present invention.

2 is a flowchart according to the second embodiment of the present invention.

3 is a flowchart according to a third embodiment of the present invention.

Hereinafter, exemplary embodiments according to the present invention will be described in detail with reference to the contents described in the accompanying drawings. However, the present invention is not limited or limited by exemplary embodiments. The same reference numerals shown in each drawing indicate members that perform substantially the same function.

Terms including ordinal numbers, such as first and second, may be used to describe various elements, but the elements are not limited by the terms. These terms are used only for the purpose of distinguishing one component from another component. For example, without departing from the scope of the present invention, a first element may be referred to as a second element, and similarly, a second element may be referred to as a first element. The terms used in the present application are only used to describe specific embodiments, and are not intended to limit the present invention. Singular expressions include plural expressions unless the context clearly indicates otherwise.

The terms used in the present invention have been selected from general terms that are currently widely used while considering functions in the present invention, but this may vary depending on the intention or precedent of a technician working in the field, the emergence of new technologies, and the like. In addition, in certain cases, there are terms arbitrarily selected by the applicant, and in this case, the meaning of the terms will be described in detail in the description of the corresponding invention. Therefore, the terms used in the present invention should be defined based on the meaning of the term and the overall contents of the present invention, not a simple name of the term.

When a part of the specification is said to "include" a certain component, it means that other components may be further included rather than excluding other components unless otherwise stated.

용어의 정의Definition of Terms

-Service: A virtual asset is provided by DApp as a payment method, and the logic of the service can include both blockchain-based or existing central server-based.

-Virtual Asset: A term that refers to a virtual currency that has been used by the International Organization for Anti-Money Laundering (FATF) since October 2018. Blockchain or distributed ledger technologies such as cryptocurrency, virtual currency, coins, tokens, security tokens, etc. Collectively referred to as applied digital assets.

-Conventional payment methods: collectively refer to payment methods other than virtual assets applied with blockchain or distributed ledger technology such as account transfer, credit/debit card, mobile phone micropayment, simple payment, and points.

-Payment agency system: As a DApp PG (payment gateway), non-virtual payment methods such as bank transfer, credit/debit card, mobile phone micro-payment, simple payment, point, etc. card, cash, etc. It operates to provide users with services provided by DApps based on conventional payment methods based on assets. That is, it is possible to provide single or complex use and operation of a payment method based on a virtual asset and a payment method based on a conventional payment method. On the other hand, the term'system' refers to a computer program that enables such operations, and/or software that may include various means for accessing such computer programs, and/or stores and/or accesses such software. As a collective term for hardware that can include various means that can be performed, it may include one or more software and/or one or more hardware. This concept of'system' is also applicable to service providing systems.

-Smart contract (S/C): As a digitalized contract or system stored on a blockchain (or distributed ledger), it enables reliable P2P transactions without an intermediary.

-Wallet: Software for storing and managing unique public and private keys, i.e. my keys, used to create and sign transactional transaction data recorded on the blockchain distributed ledger. This private key functions like a password, but unlike a password, it cannot be changed and recovered, and because the lost private key cannot be found anywhere, it is impossible to recover the balance of the virtual asset.

-Wallet address (account): The public key stored in the wallet and plays the same role as the bank account number. For example, a public key is generated by calculating from a private key, and a hash is calculated with the public key to generate a wallet address.

-Transaction: Means a transaction, and refers to an operation for storing or updating data in a blockchain (or distributed ledger). For example, it refers to the transfer transaction process of transferring coins and the signed information transmitted during the process. At this time, the conversion of the signed information (data) transmitted in the process of transferring coins into a string is referred to as a transaction ID, and the hash value generated in the transfer transaction made by the user of the corresponding transaction is inquired and identified. can do.

-Signature: It refers to the operation of encrypting the transmitted transaction with the private key in the wallet for authenticity or authentication on the blockchain.

-Rollback: When an error occurs in an update in the database, it is returned to the previous state. Also known as reverse return. If payment for the order requested by the buyer is not successfully completed, the database is returned to the original state before the update during payment processing.

In particular, the present invention provides a service that provides a block-chain-based service to users based on a first payment method using a virtual asset so that the user's payment convenience can be improved by supporting mutual compatibility between an existing payment system and DApp. The present invention relates to a payment agency system that supports providing the service based on a second payment method based on a non-virtual bank account in connection with the system, and a payment agency method using the same.

The payment agency can largely use a method through a user account or a method without through a user account according to a remittance route of a virtual asset.

The method of passing through a user account is, for example, that a virtual asset deposited or stored in a smart contract related to a specific account or payment agency system due to payment by a conventional payment method is compatible with the smart contract of DApp via the user account. It may be a method in which the payment by the virtual asset is completed by remittance to an account of a stakeholder, such as a DApp account that provides a service, and the DApp directly provides a service to the user. This is because the virtual asset is actually remitted to the user account that wants to consume it due to the completion of payment by the conventional payment method, so it can be viewed as a form of temporary currency exchange, and this temporary currency exchange can be executed in the payment agency system, so a kind of exchange agent (hereinafter , The first embodiment).

The first embodiment has a relatively clear and intuitive structure, high implementability and scalability, and has the advantage of minimizing development resources.

On the other hand, the method that does not go through a user account is that, for example, due to the completion of payment by a conventional payment method, a virtual asset deposited or stored in a smart contract related to a specific account or payment agency system is compatible with the smart contract of the DApp, It may be a method of remittance to an account of a stakeholder such as, and completing payment by a virtual asset, and the DApp directly providing a service to the user or providing a service to the user through a payment agency system. This can be seen in the form of a payment agent because the virtual asset is transferred to a DApp account rather than a real consumer due to payment completion by a conventional payment method, and payment is completed (hereinafter, second embodiment).

In the second embodiment, since the virtual asset is paid without going through the user account, risks related to regulations, laws, and recommendations related to the virtual asset can be minimized. It has the advantage of minimizing the risk of abusing such as malicious users or hackers.

Or, in another way that does not go through a user account, for example, due to payment by a conventional payment method, a virtual asset related to a specific account or a smart contract related to a payment agency system is transferred to the DApp account, and payment by the virtual asset When is completed and the DApp provides a service to the specific account or smart contract, the service may be transferred or transferred to the user again. This can be viewed in the form of a purchase agent because the transaction party does not include a user in the first transaction (hereinafter, a third embodiment).

In the third embodiment as well, since the virtual asset is paid without going through the user account, risks related to regulations, laws, and recommendations related to the virtual asset can be minimized. It has the advantage of minimizing the risk of abusing such as malicious users or hackers. In addition, since the user is not included in the transaction party in the first transaction, the user's first and second purchase transaction signatures are not required.

Each embodiment will be described with reference to the drawings.

1 is a flowchart according to the first embodiment of the present invention.

First, to connect to the service providing system that provides the service that the user wants to receive, connect to the DApp and execute it. To this end, the user signs up as a DApp member to receive the service (S100).

When signing up as a member, the first information related to payment by virtual assets (basic user information, product order information, user wallet matching information, etc., including personally recognizable identifiers) and/or related to payment by non-virtual assets Second information (financial institution, account number, card number, expiration date, conventional payment method information such as points, etc.) can be entered. In this case, the wallet matching information may include information such as a wallet type, wallet address, and virtual asset balance.

Of course, at least some of the first information and/or the second information is requested to be input directly or indirectly by, for example, a payment agency system at a time when relevant information is required, such as when the following payment is requested, not when registering as a member. , Can be entered. In addition, the information input in this way may be immediately transmitted to an entity (such as a service providing system or a payment agency system) that requires related information, or may be input and/or transmitted according to a time point where the related information is required. For example, when the DApp inputs a payment request for product purchase, a window allowing payment with a conventional payment method is displayed separately to receive the second information. At this time, the input second information may be directly transferred to the payment agency system without going through the service providing system.

The user who is a member makes a purchase decision for the service/product in order to purchase a service provided by the DApp, for example, a product, and requests payment for the purchase price (S112). For example, a user can input a payment request by clicking a purchase (payment) button displayed in a window provided by the DApp. At this time, the displayed window is a window for receiving at least a payment request by a conventional payment method and optionally a payment request by a virtual asset, and is a complex for receiving a payment request by a virtual asset and a payment request by a conventional payment method at the same time. One button may be provided, or a button for receiving a payment request by a masquerade asset and a button for receiving a payment request by a conventional payment method may be provided, respectively. In this case, a button for receiving a payment request by a conventional payment method may be separately provided for each payment method or may be connected to a separate window to be selected. Due to the above click, it is considered that the payment request by the conventional payment method is simultaneously input, or a window for inputting payment information necessary for the payment request by the conventional payment method may be displayed separately.

In the service providing system receiving a payment request from the user, as mentioned above, the payment request may be transmitted to the payment agency system (S116). Before or after the above payment request is delivered, the payment agency system may require a user to sign for a purchase transaction between the user and the service providing system. A user wallet is created on behalf of a user who does not have a wallet. This may be interlocked with the service providing system (S114), and the user may request a signature for a purchase transaction between the user and the service providing system (S120).

Furthermore, when requesting the user to sign a purchase transaction between the user and the service providing system (S120), as necessary, in order to prepare for the case that the purchase transaction cannot be executed normally due to, for example, a system error, the user It is possible to request a signature for a rollback transaction between the and the payment agency system, whereby, when a signature for the purchase transaction is received from the user (S130), a signature for the rollback transaction may be received from the user at the same time.

Before or after receiving the signature for the purchase transaction from the user (S130), the payment agency system requests payment for all or part of the purchase price from the payment server related to the conventional payment method requested from the user, Payment is performed on behalf of the payment server by receiving approval for payment for all or part of the purchase price (S140). At this time, the purchase price may include not only service/product prices, but also various taxes such as fees or VAT for payment by virtual assets and payment agency, and payment request for purchase price is requested for all or part of the purchase price. Can be.

When payment by the conventional payment method is completed, information on payment approval for the virtual asset is transmitted from the payment agency system to the user through the service providing system (S142) (S144). At this time, information on payment approval for the virtual asset may be directly transmitted from the payment agency system to the user without going through the service providing system. Accordingly, such payment information can be shared with the service providing system and the user.

Accordingly, after receiving at least the signature for the purchase transaction, the received signed purchase transaction is executed, so that the virtual asset corresponding to the purchase transaction is transferred to the service providing system through the user, so that payment by the virtual asset is possible. Is completed. In this case, the virtual asset corresponding to the corresponding purchase transaction may include at least a purchase price approved for payment by a payment server that provides payment by a conventional payment method. In this case, the purchase price may be a service/product price or a service/product price including various taxes such as fees or additional taxes for payment by virtual assets and payment agency.

In other words, after the virtual asset corresponding to the purchase transaction is remitted from the payment agency system to the user (S150), for example, after transmitting the purchase transaction (S152), the virtual asset is a service providing system that provides services from the user. Remittance (S154), and thereby the user directly receives the service from the service providing system (S156).

On the other hand, at this time, if the payment by the virtual asset is not completed because the corresponding purchase transaction has not been successfully executed, the received signed rollback transaction can be executed so that the virtual asset can be reversed or canceled through the user, If necessary, the payment for all or part of the purchase price completed after approval from the payment server may be canceled at the same time.

2 is a flowchart according to the second embodiment of the present invention.

First, to connect to the service providing system that provides the service that the user wants to receive, connect to the DApp and execute it. To this end, the user signs up as a DApp member so that the service can be provided (S200).

Of course, at least some of the first information and/or the second information may be input at a time when related information is required, such as when a payment is requested below, not when registering as a member. In addition, the information entered in this way is immediately delivered to the entity that needs the related information (service providing system or payment agency system, etc.) or at the time when the related information is required, for example, directly or by the payment agency system. Indirectly, it can be input and/or passed. For example, when the DApp inputs a payment request for product purchase, a window allowing payment with a conventional payment method is displayed separately to receive the second information. At this time, the input second information may be directly transferred to the payment agency system without going through the service providing system.

The user, who is a member, makes a purchase decision for the service/product in order to purchase a service provided by the DApp, for example, a product, and requests payment for the purchase price (S212). For example, a user can input a payment request by clicking a purchase (payment) button displayed in a window provided by the DApp. At this time, the displayed window is a window for receiving at least a payment request by a conventional payment method and optionally a payment request by a virtual asset, and is a complex for receiving a payment request by a virtual asset and a payment request by a conventional payment method at the same time. One button may be provided, or a button for receiving a payment request by a masquerade asset and a button for receiving a payment request by a conventional payment method may be provided, respectively. In this case, a button for receiving a payment request by a conventional payment method may be separately provided for each payment method or may be connected to a separate window to be selected. Due to the above click, it is considered that the payment request by the conventional payment method is simultaneously input, or a window for inputting payment information required for the payment request by the conventional payment method may be displayed separately.

In the service providing system receiving the payment request from the user, as mentioned above, the payment request may be transmitted to the payment agency system (S216). Before or after the above payment request is delivered, there may be a case in which the payment agency system requires a user to sign for a purchase transaction between the user and the service providing system. A wallet is created on behalf of a user who does not have a wallet, and It can be interlocked with the service providing system (S214).

In this way, before or after receiving the signature for the purchase transaction from the user (S248), the payment agency system receiving the payment request, to the payment server related to the conventional payment method requested from the user, pays for the purchase price. In response to a request, approval for payment for the purchase price is received from the payment server, and payment is performed (S240). At this time, the purchase price may include not only service/product prices, but also various taxes such as fees or VAT for payment by virtual assets and payment agency, and payment request for purchase price is requested for all or part of the purchase price. Can be.

When payment by the conventional payment method is completed, information on payment approval for the conventional payment method is transmitted from the payment agency system to the user through the service providing system (S242) (S244). Accordingly, such payment information can be shared with the service providing system and the user.

In this way, after completing the payment by the conventional payment method, the payment agency system may request the user to sign a purchase transaction between the user and the service providing system (S246).

Further, particularly in the case of the second embodiment, based on the smart contract, the payment agency system can automatically execute and process the rollback during the execution of the smart contract without executing a separate rollback transaction.

Or, similar to the case of the first embodiment, when requesting a user to sign a purchase transaction between the user and the service providing system (S246), if necessary, the purchase transaction is executed due to, for example, a system error. In order to prepare for a case in which it cannot be executed normally, it is possible to request a signature for a rollback transaction between the user and the payment agency system, whereby when a signature for the purchase transaction is received from the user (S248), from the user, You can also receive signatures for rollback transactions.

Accordingly, after receiving at least the signature (S248) for the corresponding purchase transaction, the received signed purchase transaction is executed, so that the virtual asset corresponding to the corresponding purchase transaction is directly transferred to the service providing system without going through the user, Payment is completed. In this case, the virtual asset corresponding to the corresponding purchase transaction may include at least a purchase price approved for payment by a payment server that provides payment by a conventional payment method. In this case, the purchase price may be a service/product price or a service/product price including various taxes such as fees or additional taxes for payment by virtual assets and payment agency.

In other words, the virtual asset corresponding to the purchase transaction is directly transferred from the payment agency system to the service providing system that provides the service from the payment agency system after the purchase transaction is transmitted (S252). The service is provided by the user directly from the service providing system (S256) or via the payment agency system (see S257 and S258 indicated by the dotted line in FIG. 2). In other words, ownership is directly transferred to the user through the payment agency system or without going through the payment agency system according to the execution of the corresponding purchase transaction, thereby enabling the user to receive a service.

As described above, the second embodiment is the first embodiment in that the payment for the conventional payment method is completed before receiving the signature for the corresponding purchase transaction, and the virtual asset is directly transferred to the service providing system after the transaction is transmitted. Is different from

On the other hand, at this time, if the payment by the virtual asset is not completed because the purchase transaction has not been successfully executed, the payment agency system can automatically execute and process the rollback during the execution of the smart contract without executing a separate rollback transaction. Or, by executing the signed rollback transaction received, the virtual asset can be directly reversed or canceled by the payment agency system, and if necessary, all or part of the purchase price completed after receiving approval from the payment server You can also have the payment canceled.

3 is a flowchart according to a third embodiment of the present invention.

First, to connect to the service providing system that provides the service that the user wants to receive, connect to the DApp and execute it. To this end, the user signs up as a DApp member so that the service can be provided (S300).

A user who is a member makes a purchase decision for the service/product in order to purchase a service provided by the DApp, for example, a product, and requests payment for the purchase price (S312). For example, a user can input a payment request by clicking a purchase (payment) button displayed in a window provided by the DApp. At this time, the displayed window is a window for receiving at least a payment request by a conventional payment method and optionally a payment request by a virtual asset, and is a complex for receiving a payment request by a virtual asset and a payment request by a conventional payment method at the same time. One button may be provided, or a button for receiving a payment request by a masquerade asset and a button for receiving a payment request by a conventional payment method may be provided, respectively. In this case, a button for receiving a payment request by a conventional payment method may be separately provided for each payment method or may be connected to a separate window to be selected. Due to the above click, it is considered that the payment request by the conventional payment method is simultaneously input, or a window for inputting payment information required for the payment request by the conventional payment method may be displayed separately.

In the service providing system receiving the payment request from the user, as mentioned above, the payment request may be transmitted to the payment agency system (S316). Before or after the above payment request is transmitted, in the payment agency system, for a purchase transaction between the user and the service providing system, there may be a case where the user must sign, but a wallet is created on behalf of a user who does not have a wallet. This can be linked with a service providing system or a payment agency system (S314).

In this way, the payment agency system receiving a payment request from the user requests a payment for the purchase price from the payment server related to the conventional payment method requested from the user, and makes payment for the purchase price from the payment server. Receiving approval for the payment is performed (S340). At this time, the purchase price may include not only service/product prices, but also various taxes such as fees or VAT for payment by virtual assets and payment agency, and payment request for purchase price is requested for all or part of the purchase price. Can be.

When payment by the conventional payment method is completed, information on payment approval for the conventional payment method is transmitted from the payment agency system to the user through the service providing system (S342) (S344). Accordingly, such payment information can be shared with the service providing system and the user.

In this way, after payment by the conventional payment method is completed, the payment agency system can pay the virtual asset for the corresponding purchase transaction to the service providing system (S354), and as a benefit, the service is provided from the service providing system to the payment agency system ( S356) can be.

As a result, the virtual asset corresponding to the purchase transaction is transferred from the payment agency system to the service providing system, and payment by the virtual asset is completed. In this case, the virtual asset corresponding to the corresponding purchase transaction may include at least a purchase price approved for payment by a payment server that provides payment by a conventional payment method. In this case, the purchase price may be a service/product price or a service/product price including various taxes such as fees or additional taxes for payment by virtual assets and payment agency.

In other words, the virtual asset corresponding to the corresponding purchase transaction is directly transferred to the service providing system that provides the service from the payment agent system (S354), whereby the payment agent system receives the service from the service providing system (S356). . Thereafter, this service is transferred or shared with the user (S358).

That is, after completing the payment by the conventional payment method, the virtual asset is transferred to the service providing system according to the first purchase transaction between the payment agency system and the service providing system to complete the payment, and thereafter, between the user and the payment agency system. Ownership is transferred according to the second purchase transaction.

As described above, the third embodiment differs from the second embodiment in that the virtual asset is directly transferred to the service providing system, regardless of receiving a signature from the user, when payment for the conventional payment method is completed. have.

In this aspect, the payment agency system may directly sign the corresponding first purchase transaction, at least before executing the first purchase transaction between the payment agency system and the service providing system. Furthermore, if necessary, in order to prepare for a case in which the corresponding purchase transaction cannot be executed normally due to, for example, a system error, the first rollback transaction related to the cancellation of the corresponding first purchase transaction may be directly signed. .

Accordingly, if the purchase transaction is not successfully executed and payment by the virtual asset is not completed, the first rollback transaction can be executed, so that the virtual asset can be reversed or canceled. Payment for all or part of the purchase price, which has been approved by the payment server, may be canceled at the same time.

In general terms used herein are intended to be generally "open" terms, particularly in claims (eg, the body of the claim) (eg, "comprising" means "including but not limited to" As, "have" should be interpreted as "to have at least more", and "include" should be interpreted as "including but not limited to") Where a specific number is intended for the introduced claim description, such intention It is expressly stated in the claims, and in the absence of such recitation it is understood that such intent does not exist.

Only certain features of the invention have been shown and described herein, and various modifications and changes may occur to those skilled in the art. It is therefore understood that the claims are intended to cover changes and modifications that fall within the spirit of the invention.

Claims

In a payment agency system that supports to provide the service based on a second payment method by non-virtual asset by interlocking with a service providing system that provides a service to a user based on a first payment method by a virtual asset. ,

(a) A request for payment for all or part of the purchase price based on the second payment method from the user who wishes to receive the service, together with first information related to the first payment method and the second payment method Upon receiving the relevant second information,

(b) requesting the user to sign a purchase transaction between the user and the service providing system,

(c) receiving, from the user, a signature for the purchase transaction,

(d) With the second information, a request for payment for all or part of the purchase price is requested from the payment server related to the second payment method, and the payment for all or part of the purchase price is requested from the payment server. Receiving approval to complete the payment by the second payment method,

(e) After receiving the signature for the purchase transaction, the virtual asset is remitted to the service providing system according to the execution of the purchase transaction to complete the payment by the first payment means.
The method of claim 1,

A payment agency system, characterized in that the transfer of virtual assets to the service providing system according to the execution of the purchase transaction is directly transferred through the user or without the user.
The method of claim 2,

In (b), by requesting the user to sign a rollback transaction between the user and the payment agency system

In (c), further comprising, from the user, receiving a signature for a rollback transaction,

When the purchase transaction is not successfully executed and the payment by the first payment method is not completed, a signed rollback transaction is executed.
The method according to claim 2 or 3,

Through the service providing system, before receiving a payment request for the purchase price, the user may subscribe as a member who can receive the service and input the first information and/or the second information in advance. Yes, payment agency system.
The method of claim 4,

(b) requesting a signature for the purchase transaction and (c) receiving a signature for the purchase transaction, (d) before or after completing the payment by the second payment means.
The method of claim 5,

The virtual asset remitted to the service providing system according to the execution of the purchase transaction includes at least the purchase price approved for payment by a payment server providing payment by the second payment means.
The method of claim 6,

After receiving the signature for the purchase transaction, the purchase transaction is transmitted before or after the virtual asset is remitted to the service providing system according to the execution of the purchase transaction.
The method of claim 7,

In accordance with the execution of the purchase transaction, ownership is directly transferred to the user through the payment agency system or without going through the payment agency system.
In a payment agency system that supports to provide the service based on a second payment method by non-virtual asset by interlocking with a service providing system that provides a service to a user based on a first payment method by a virtual asset. ,

(a) A request for payment for all or part of the purchase price based on the second payment method from the user who wishes to receive the service, together with first information related to the first payment method and the second payment method Upon receiving the relevant second information,

(b) With the second information, a request for payment for all or part of the purchase price is requested from the payment server related to the second payment method, and the payment for all or part of the purchase price is requested from the payment server. Receiving approval to complete the payment by the second payment method,

(c) After completion of payment by the second payment means, the virtual asset is transferred to the service according to the execution of a first purchase transaction between the payment agency system and the service providing system that provides the service based on the first payment means. Complete the payment by the first payment method by allowing the money to be remitted to the providing system,

(d) transfer ownership in accordance with execution of a second purchase transaction between the user and the payment agency system,

In this case, the execution of the first purchase transaction and the execution of the second purchase transaction are executed sequentially as separate transactions or simultaneously as a single transaction.
The method of claim 9,

Before executing the first purchase transaction between the payment agency system and the service providing system that provides the service based on the first payment means, a signature for the first purchase transaction and/or the first purchase transaction Signing the first rollback transaction related to cancellation,

When the first purchase transaction is not successfully executed and the payment by the first payment means is not completed, the first rollback transaction is executed.
The method of claim 9 or 10,

Through the service providing system, before receiving a payment request for the purchase price, the user may subscribe as a member who can receive the service and input the first information and/or the second information in advance. Yes, payment agency system.
The method of claim 11,

The virtual asset remitted to the service providing system according to the execution of the first purchase transaction includes at least the purchase price approved for payment by a payment server that provides payment by the second payment means.
Using a payment agency system that supports providing the service based on a second payment method by non-virtual asset in connection with a service providing system that provides services to users based on the first payment method by virtual assets. In the payment agency method,

(a) A request for payment for all or part of the purchase price based on the second payment method from the user who wishes to receive the service, together with first information related to the first payment method and the second payment method Receiving related second information;

(b) requesting the user to sign a purchase transaction between the user and the service providing system;

(c) receiving, from the user, a signature for the purchase transaction;

(d) With the second information, a request for payment for all or part of the purchase price is requested from the payment server related to the second payment method, and the payment for all or part of the purchase price is requested from the payment server. Receiving approval and completing payment by the second payment means; And

(e) after receiving the signature for the purchase transaction, the virtual asset is remitted to the service providing system according to the execution of the purchase transaction, thereby completing the payment by the first payment method. .
The method of claim 13,

A payment agency method, characterized in that the transfer of the virtual asset to the service providing system according to the execution of the purchase transaction is directly transferred through the user or without the user.
The method of claim 14, at least prior to execution of the purchase transaction,

Requesting the user to sign a rollback transaction between the user and the payment agency system,

Further comprising, from the user, receiving a signature for a rollback transaction,

The payment agency system further comprising the step of executing a received signed rollback transaction when the payment by the first payment means is not completed because the purchase transaction is not successfully executed.
The method of claim 14 or 15,

Through the service providing system, before receiving a payment request for the purchase price, the user may subscribe as a member who can receive the service and input the first information and/or the second information in advance. Payment agency method further comprising the step of.
The method of claim 16,

(b) requesting a signature for the purchase transaction and (c) receiving a signature for the purchase transaction are performed before or after (d) completing the payment by the second payment method, Payment agency method.
The method of claim 17,

The virtual asset remitted to the service providing system according to the execution of the purchase transaction includes at least the purchase price approved for payment by a payment server providing payment by the second payment means.
The method of claim 18,

After receiving the signature for the purchase transaction, transmitting the purchase transaction before or after the virtual asset is remitted to the service providing system according to the execution of the purchase transaction.
The method of claim 19,

In accordance with the execution of the purchase transaction, ownership is transferred directly to a user through the payment agency system or without going through the payment agency system.
Using a payment agency system that supports providing the service based on a second payment method by non-virtual asset in connection with a service providing system that provides services to users based on the first payment method by virtual assets. In the payment agency method,

(a) A request for payment for all or part of the purchase price based on the second payment method from the user who wishes to receive the service, together with first information related to the first payment method and the second payment method Receiving related second information;

(b) With the second information, a request for payment for all or part of the purchase price is requested from the payment server related to the second payment method, and the payment for all or part of the purchase price is requested from the payment server. Receiving approval and completing payment by the second payment means;

(c) After completion of payment by the second payment means, the virtual asset is transferred to the service according to the execution of a first purchase transaction between the payment agency system and the service providing system that provides the service based on the first payment means. Completing payment by the first payment means by remittance to the providing system; And

(d) transferring ownership according to execution of a second purchase transaction between the user and the payment agency system,

At this time, the execution of the first purchase transaction and the execution of the second purchase transaction are executed sequentially as separate transactions or simultaneously as a single transaction.
The method of claim 21, wherein before executing a first purchase transaction between the payment agency system and a service providing system that provides the service based on the first payment means,

Signing the first purchase transaction and/or signing a first rollback transaction related to cancellation of the first purchase transaction, and

When the first purchase transaction is not successfully executed and the payment by the first payment means is not completed, executing the first rollback transaction.
The method of claim 21 or 22,

Through the service providing system, before receiving a payment request for the purchase price, the user may subscribe as a member who can receive the service and input the first information and/or the second information in advance. The payment agency method further comprising the step of.
The method of claim 23,

The virtual asset remitted to the service providing system according to the execution of the first purchase transaction includes at least the purchase price approved for payment by a payment server providing payment by the second payment means.