WO2020197247A1 - Système de passerelle de paiement pour fournir une assistance par interfonctionnement avec un système de fourniture de service pour fournir un service à des utilisateurs sur la base d'un premier moyen de paiement dans un actif virtuel de façon à fournir un service sur la base d'un second moyen de paiement dans un actif non virtuel et procédé de passerelle de paiement utilisant un système de passerelle de paiement - Google Patents

Système de passerelle de paiement pour fournir une assistance par interfonctionnement avec un système de fourniture de service pour fournir un service à des utilisateurs sur la base d'un premier moyen de paiement dans un actif virtuel de façon à fournir un service sur la base d'un second moyen de paiement dans un actif non virtuel et procédé de passerelle de paiement utilisant un système de passerelle de paiement Download PDF

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WO2020197247A1
WO2020197247A1 PCT/KR2020/004021 KR2020004021W WO2020197247A1 WO 2020197247 A1 WO2020197247 A1 WO 2020197247A1 KR 2020004021 W KR2020004021 W KR 2020004021W WO 2020197247 A1 WO2020197247 A1 WO 2020197247A1
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payment
user
service
purchase transaction
transaction
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PCT/KR2020/004021
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English (en)
Korean (ko)
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황윤식
나주엽
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(주)링카코리아
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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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
    • 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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—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
    • G06Q30/00—Commerce
    • G06Q30/04—Billing or invoicing

Definitions

  • (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.
  • 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.
  • 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.
  • 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
  • a service providing system that provides a block chain-based service to users based on the first payment method by virtual assets
  • 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.
  • 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.
  • 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.
  • 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
  • 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.
  • 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.
  • 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.
  • FIG. 1 is a flowchart according to the first embodiment of the present invention.
  • 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.
  • 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.
  • S/C Smart contract
  • -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.
  • 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.
  • the first embodiment has a relatively clear and intuitive structure, high implementability and scalability, and has the advantage of minimizing development resources.
  • 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).
  • 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
  • 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).
  • FIG. 1 is a flowchart according to the first embodiment of the present invention.
  • 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.
  • the wallet matching information may include information such as a wallet type, wallet address, and virtual asset balance.
  • 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.
  • 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.
  • an entity such as a service providing system or a payment agency system
  • a window allowing payment with a conventional payment method is displayed separately to receive the second information.
  • the input second information may be directly transferred to the payment agency system without going through the service providing system.
  • 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.
  • 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.
  • the payment request may be transmitted to the payment agency system (S116).
  • 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).
  • the payment agency system 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).
  • 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.
  • 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.
  • 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.
  • the wallet matching information may include information such as a wallet type, wallet address, and virtual asset balance.
  • 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.
  • 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).
  • a user can input a payment request by clicking a purchase (payment) button displayed in a window provided by the DApp.
  • 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.
  • the payment request may be transmitted to the payment agency system (S216).
  • 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).
  • the payment agency system 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.
  • the payment server In response to a request, approval for payment for the purchase price is received from the payment server, and payment is performed (S240).
  • 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.
  • the payment agency system may request the user to sign a purchase transaction between the user and the service providing system (S246).
  • the payment agency system can automatically execute and process the rollback during the execution of the smart contract without executing a separate rollback 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.
  • 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.
  • 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.
  • the payment agency system can automatically execute and process the rollback during the execution of the smart contract without executing a separate rollback transaction.
  • 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.
  • FIG. 3 is a flowchart according to a third embodiment of the present invention.
  • 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.
  • 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.
  • an entity such as a service providing system or a payment agency system
  • a window allowing payment with a conventional payment method is displayed separately to receive the second information.
  • the input second information may be directly transferred to the payment agency system without going through the service providing system.
  • 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).
  • a user can input a payment request by clicking a purchase (payment) button displayed in a window provided by the DApp.
  • 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.
  • 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.
  • the payment request may be transmitted to the payment agency system (S316).
  • the payment agency system 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).
  • 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).
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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. .
  • 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.

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Abstract

La présente invention concerne un système de passerelle de paiement pour fournir une assistance par interfonctionnement avec un système de fourniture de service, qui fournit un service basé sur des chaînes de blocs à des utilisateurs sur la base d'un premier moyen de paiement dans un actif virtuel, de manière à fournir le service sur la base d'un second moyen de paiement dans un actif non virtuel, ce système de passerelle de paiement comprenant : (a) la réception de premières informations concernant le premier moyen de paiement et/ou de secondes informations concernant le second moyen de paiement, conjointement avec une demande de paiement de la totalité ou d'une partie d'un montant d'achat sur la base du second moyen de paiement, la demande étant envoyée par l'utilisateur qui doit accéder au service, (b) à la réception, la demande de la signature de l'utilisateur relativement à une transaction d'achat entre l'utilisateur et le système de fourniture de service, (c) la réception de la signature relative à la transaction d'achat de l'utilisateur, (d) l'exécution du paiement dans le second moyen de paiement par envoi des secondes informations, conjointement avec une demande de paiement de la totalité ou d'une partie du montant d'achat, à un serveur de paiement associé au second moyen de paiement, puis la réception, en provenance du serveur de paiement, d'une autorisation pour le paiement de la totalité ou d'une partie du montant d'achat et (e) l'exécution du paiement dans le premier moyen de paiement par réception de la signature pour la transaction d'achat, puis la transmission d'un actif virtuel au système de fourniture de service au moment de l'exécution de la transaction d'achat. L'invention permet ainsi d'améliorer la facilité de paiement pour les utilisateurs en assurant la compatibilité entre un système de paiement existant et une DApp.
PCT/KR2020/004021 2019-03-25 2020-03-24 Système de passerelle de paiement pour fournir une assistance par interfonctionnement avec un système de fourniture de service pour fournir un service à des utilisateurs sur la base d'un premier moyen de paiement dans un actif virtuel de façon à fournir un service sur la base d'un second moyen de paiement dans un actif non virtuel et procédé de passerelle de paiement utilisant un système de passerelle de paiement WO2020197247A1 (fr)

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KR20180020933A (ko) * 2017-10-19 2018-02-28 유영근 카드 매출 채권 기반 가상 화폐 발행 방법 및 카드 매출 채권 기반 가상 화폐 발행 장치

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CN112561198A (zh) * 2020-12-23 2021-03-26 iCALC控股有限公司 基于区块链的数据处理方法、装置、设备及可读存储介质
CN112561198B (zh) * 2020-12-23 2023-12-01 iCALC控股有限公司 基于区块链的数据处理方法、装置、设备及可读存储介质

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