WO2020209637A1 - Système de monnaie numérique verrouillé et procédé associé, système de paiement entre des portefeuilles électroniques verrouillés avec une monnaie numérique dédiée, et procédé associé - Google Patents

Système de monnaie numérique verrouillé et procédé associé, système de paiement entre des portefeuilles électroniques verrouillés avec une monnaie numérique dédiée, et procédé associé Download PDF

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WO2020209637A1
WO2020209637A1 PCT/KR2020/004839 KR2020004839W WO2020209637A1 WO 2020209637 A1 WO2020209637 A1 WO 2020209637A1 KR 2020004839 W KR2020004839 W KR 2020004839W WO 2020209637 A1 WO2020209637 A1 WO 2020209637A1
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Prior art keywords
digital currency
electronic wallet
user
information
interlocked
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PCT/KR2020/004839
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English (en)
Korean (ko)
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이상열
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이상열
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Publication of WO2020209637A1 publication Critical patent/WO2020209637A1/fr

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes

Definitions

  • the present invention relates to an interlocked digital currency system and method thereof, and a payment system and method thereof between electronic wallets that are linked with dedicated digital currency.
  • Crypto (virtual) currency is represented by crypto (virtual) currency, electronic money, etc.
  • Cryptocurrency (virtual) decentralized payment method based on blockchain technology has the advantage of guaranteeing anonymity, but the more people who transact, the longer the settlement time, the higher user fees, and each participating node (computer). Due to the reduced rewards, commercialization is difficult.
  • Electronic money centralized payment methods such as banks or credit card companies based on a central server have the advantage of being relatively safe and fast, but all personal transaction data remains on the central server, making it difficult to guarantee anonymity and paying users expensive payment fees
  • Japanese Patent Application Publication No. 2003-76851 discloses the invention of an original electronic money system, a transaction method using original electronic money, a recording medium and a program.
  • the above disclosed invention is an invention in which the issuing entity of electronic money conducts commercial transactions by applying a conversion ratio with the standard currency unit, but issuing and using electronic money in the currency unit in the market It is a remote, centralized invention with publication, distribution and use.
  • the above patented invention is a configuration in which a user recharges electronic money with cash, purchases a product at a member store with electronic money, and accumulates mileage for product purchase to the user.When a consumer uses electronic money instead of cash, mileage is accumulated. It is only a means for multi-level commerce, and there is a limit to solving the problems of digital currency.
  • the issuing, distributing and using digital currency is a method of displaying digital currency on the operator computer in the user's electronic wallet, as the subject of digital currency issuance, distribution and use is self-interlocking between the user and the affiliate.
  • the present invention is to solve the problems of the prior art, and the object of the present invention is in relation to a digital currency system in which 1:1 value with legal currency is prescribed, the issuance, disposal, exchange and security of digital currency are centralized.
  • the digital currency is in charge of the operating computer, and the digital currency is distributed in the centralized type, the operating computer and the decentralized type, respectively, in the electronic wallet of the affiliated store terminal, and the digital currency payment is decentralized, and the transaction target terminal, users and affiliates ,
  • an operating computer for managing digital currency user, affiliate store information, electronic wallet information executed in the terminal they use, and digital currency related information ;
  • a digital currency distribution computer that manages digital currency information such as issuance, charging, distribution, refund, and disposal of the digital currency;
  • An operation management unit including the electronic wallet and the digital currency real-time monitoring and an artificial intelligence computer providing location-based services to the electronic wallet, and data storage included in the operation management unit or connected to a communication means to store and manage data
  • a user group including at least one user terminal equipped with an electronic wallet for users who are communicatively connected to the buwa, the operation management unit and the affiliated store terminal to request for issuance (charge) of digital currency or use or credit digital currency; and the An affiliated store group including at least one affiliated store terminal equipped with an electronic wallet for an affiliated store used by an on/offline affiliated store that communicates with the operation management unit and the user's electronic wallet of the user terminal to perform commercial transactions using digital currency and recharge of digital currency An interlocked
  • security is safe, incurred cost is low, and transaction anonymity is guaranteed.
  • FIG. 1 is a schematic configuration diagram of an embodiment of an interlocked digital currency system and an electronic wallet interworking payment system linked with a dedicated digital currency of the present invention.
  • FIG. 2 is a schematic configuration diagram of an embodiment of an operating computer that is a main part of an interlocked digital currency system and an electronic wallet interlocking payment system linked with a dedicated digital currency of the present invention.
  • FIG. 3 is a schematic configuration diagram of an embodiment of a digital currency distribution computer, which is a main part of the interlocked digital money system and the electronic wallet interlocking payment system interlocked with the dedicated digital currency of the present invention.
  • FIG. 4 is a schematic configuration diagram of an embodiment of an artificial intelligence computer, which is a main part of the interlocked digital currency system and the payment system between electronic wallets interlocked with dedicated digital currency of the present invention.
  • FIG. 5 is a schematic configuration diagram of an embodiment of a digital currency issuance (charge) request means of an interlocked digital currency system and an electronic wallet interlocking payment system linked with a dedicated digital currency of the present invention.
  • FIG. 6 is a schematic configuration diagram of an embodiment of a means for issuing (charging) foreign exchange digital currency of the interlocked digital currency system of the present invention and the payment system between electronic wallets linked to the dedicated digital currency.
  • FIG. 7 is a schematic configuration diagram of an embodiment of a dedicated digital currency issuance request or request means of an interlocked digital currency system and an electronic wallet interlocking payment system linked with the dedicated digital currency of the present invention.
  • FIG. 8 is a schematic configuration diagram of an embodiment of a means for requesting issuance of a dedicated digital currency to an operating computer in an electronic wallet for a franchisee of the interlocked digital currency system and the electronic wallet interlocked with the dedicated digital currency of the present invention.
  • FIG. 9 is a schematic configuration diagram of an embodiment of an electronic wallet for a user, which is a main part of the interlocked digital currency system and the payment system between electronic wallets interlocked with dedicated digital money according to the present invention.
  • FIG. 10 is a schematic configuration diagram of an embodiment of an electronic wallet for an affiliated store, which is a main part of an interlocked digital currency system and an electronic wallet interlocking payment system linked with a dedicated digital currency of the present invention.
  • FIG. 11 is a schematic configuration diagram of an embodiment of a digital currency display screen of an interlocked digital currency system and a payment system between electronic wallets linked with dedicated digital currency according to the present invention.
  • FIG. 12 is a schematic configuration diagram of an embodiment of a digital currency information storage space of an interlocked digital currency system and a payment system between electronic wallets linked with dedicated digital currency according to the present invention.
  • 13 is an embodiment of the use of digital currency between countries according to the conversion of foreign wallets in the electronic wallet for users and the electronic wallet for franchisees, which are the main parts of the interlocked digital currency system and the electronic wallet interlocked with the dedicated digital currency according to the present invention. It is a schematic configuration diagram.
  • the present invention is a configuration that utilizes computer hardware and a computer program or a web program or a cloud computer program that is driven by using the resources of the computer hardware. Therefore, in the description of the present invention, the names of hardware and programs utilizing the hardware may be used interchangeably.
  • each configuration of an operating computer, a digital currency distribution computer, and an artificial intelligence computer is a configuration of its own hardware, or a computer program or web program that runs using the hardware resources of the operating computer, and each configuration of a cloud computer program. May be used interchangeably with terms.
  • the electronic wallet driven in the user terminal and the affiliated store terminal of the present invention may be a computer program, a web program or an application program, a cloud computer program, or a dedicated terminal driven by using hardware resources.
  • user and affiliated store may be collectively referred to as a user, and user and affiliated store may be used as a user.
  • Digital currency charging which is a term among the main components of the present invention, is a digital currency issued by the operating computer (or digital currency distribution computer), and the user uses the terminal electronic device at 1:1 value in cash, account transfer, credit, goods, cryptocurrency, etc. It means that ownership is transferred to the wallet and can be used interchangeably as issuing (charging) digital currency.
  • general digital currency is issued by granting information storage space (capacity) from the operating computer, and the user generates 1:1 value digital currency with cash, account transfer, credit, goods, cryptocurrency, etc. It is charged at the operating computer or affiliated store and used for payment of all affiliated stores' products and services, and a random user receives distribution through the above charging method and the amount unit is fixed (e.g., 10,000 won is a capacity that can record 10 payments It is a concept of currency that is repeatedly circulated until it is full due to the accumulated record of information according to the payment in use.
  • the term dedicated digital currency is issued by granting information storage space (capacity) from an electronic wallet for a franchisee or a separately requested operating computer, and the user can use cash, account transfer, credit, goods, cryptocurrency, etc. It is a concept of using digital currency exclusively for 1:1 value by receiving a charge method from the operating computer or affiliated store and using it limited to the issuing affiliated store or for a specific purpose. If information such as total issuance amount, coverage, discount rate, accumulation rate, and expiration date is transmitted from the merchant's electronic wallet to the operating computer, register it on the operating computer and subtract the amount from the total issued amount upon request from the user's electronic wallet. Is issued, and ownership is transferred to the user's electronic wallet.
  • the operating computer the so-called manager, is structured so that the user does not engage in the use of digital money.
  • Digital currency General digital currency and dedicated digital currency can be collectively referred to as digital currency.
  • the digital currency of the present invention may mean a software currency in which a digital currency for each amount of money stored and displayed in each electronic wallet program executed on a user's terminal and an information storage space (capacity) for each amount of digital money is set. have.
  • the dedicated digital currency system and the payment system interlocked with the electronic wallet the expression'linked' is attached to the operation management unit when the user executes each terminal electronic wallet as a location-based service of the operation management unit.
  • information about nearby affiliate stores is displayed on the user terminal, and when the user is located in the payment area within the affiliate store, the affiliate store terminal electronic wallet and the user terminal electronic wallet are interlocked to exchange information.
  • wallet-specific identification information is interlocked with the digital currency-specific identification information that goes to and from the electronic wallet to exchange necessary information, while processing when there are no errors in the payment process such as transaction record, distribution, ownership transfer, etc. to be.
  • the payment means means a means for transacting in digital currency such as QR code, barcode, biometrics, unmanned device, etc.
  • issuance, disposal, exchange, and security in the payment system interlocked between digital currency and electronic wallet are centralized, and in the operating computer, distribution is centralized in the interlocked payment system between digital currency and electronic wallet. It is a decentralized type and is made in the electronic wallet of the operating computer and the affiliated store terminal, respectively.
  • payment is decentralized, and it is self-contained according to the linkage between the electronic wallet and digital currency of the transaction target terminal. Done.
  • FIG. 1 is a schematic configuration diagram of an embodiment of an interlocked digital currency system and an electronic wallet interworking payment system linked with a dedicated digital currency according to the present invention.
  • the interlocked digital currency system of the present invention and the payment system between electronic wallets interlocked with dedicated digital currency include information on users of digital currency, affiliate store information, and electronic wallet information executed in the terminal they use, digital currency.
  • An operating computer 100 for managing related information at least one digital currency distribution computer 200 for managing digital currency information such as issuance, charging, distribution, refund and disposal of the digital currency, the electronic wallet and the digital
  • a data storage unit 2000 including at least one data storage device 300 and the operation management unit 1000 or the affiliated store terminal are communicatively connected to request for issuance of digital money, or for users who use or credit digital money
  • the configuration includes an affiliated store group 4000 including at least one affiliated store terminal equipped with an affiliated store electronic wallet 500 used in an on/offline affiliated store that charges money.
  • the data storage unit 2000 includes a user information storage unit 310 which stores member information of users and affiliated stores, and unique identification information of each electronic wallet; Digital currency issuance information issued in response to a digital currency recharge request through the payment of cash or goods from the user's electronic wallet 400, the affiliated store's electronic wallet 500, the user's electronic wallet 400, the affiliated store Digital currency issuance information issued in response to a request for credit distribution of digital currency of the electronic wallet 500, and payment of cash or goods from the electronic wallet 400 for users to the electronic wallet 500 for the affiliated store, and request to charge the digital currency
  • a digital currency issuance information storage unit 320 for storing issuance information of digital currency issued according to the digital currency issuance information issued according to a request for issuance of exclusive digital currency from the electronic wallet 500 for affiliated stores;
  • a digital currency exchange information storage unit 330 in which the electronic wallet 500 for the affiliate store stores information processed by receiving the exchange request by transmitting the digital money stored in the electronic wallet to the operating computer 100; When the information storage space (capacity) of the digital currency stored in the electronic
  • a digital currency waste information storage unit 340 for storing disposal information of the processed digital currency;
  • a digital currency exchange information storage unit 350 that stores information issued by converting the digital currency of the selected country.
  • FIG. 2 is a schematic configuration diagram of an embodiment of an operating computer, which is a main part of the interlocked digital currency system and the electronic wallet interlocking payment system interlocked with the dedicated digital currency of the present invention.
  • the operating computer 100 of the present invention manages member information of general users who charge and use digital money in the user's electronic wallet 400 and credit users who use digital money as credit.
  • a user member information management unit 111 A member store that manages member information of a member store that performs commerce in digital currency by interlocking with the user's electronic wallet 400 of the user member with the member's electronic wallet 500 and charges digital currency in the user's electronic wallet 400
  • a member information management unit 110 including a member information management unit 112;
  • a digital currency issuance and charge information management unit 120 that receives and processes a request for issuance of currency, and manages unique identification information for each amount of the issued or charged digital currency;
  • a digital currency exchange information management unit 130 that receives and processes a request for exchange of digital currency held in the affiliated store's electronic wallet 500 into cash and manages related information;
  • Digital currency refund information management unit 140 that processes and manages the refund information of the digital currency transferred from the user's electronic wallet 400 to the affiliated
  • a digital currency exchange information management unit 160 that processes and manages;
  • An electronic wallet information management unit 170 that manages the user's electronic wallet 400, the affiliated store's electronic wallet 500, unique identification information, and upgrades;
  • the configuration includes a payment information management unit 180 that manages commercial payment information of digital currency between the user electronic wallet 400 and the affiliated store electronic wallet 500.
  • FIG. 3 is a schematic configuration diagram of an embodiment of a digital currency distribution computer, which is a main part of the interlocked digital currency system and the electronic wallet interlocking payment system linked with the dedicated digital currency of the present invention.
  • the digital currency distribution computer 200 of the present invention issues a general digital currency requested by the user from the user's electronic wallet 400 requested from the operating computer 100, and A user general digital currency charging processing unit 210 that transfers ownership by transmitting to the electronic wallet 400;
  • a user-dedicated digital currency charging processing unit 220 for issuing a dedicated digital currency requested by a user from the user's electronic wallet 400 and transferring the ownership to the user's electronic wallet 400;
  • affiliate general digital currency that transfers ownership by transferring the general digital currency to the user's electronic wallet 400 according to the request from the operating computer 110 to charge the general digital currency to the user's electronic wallet 400 at the affiliated store A charging processing unit 270;
  • affiliate exclusive digital currency that transfers ownership by transmitting to the user's electronic wallet 400 according to the request from the operating computer 110 to charge the exclusive
  • the electronic wallet for the user is interlocked with the intermediary operation management unit 6000 according to a request for charging foreign digital currency to the electronic wallet 400 for the user and the electronic wallet 500 for the affiliated store requested from the operating computer 100 (400), a configuration including a digital currency exchange processing unit (299) for transferring to the affiliated store electronic wallet 500 and transferring ownership.
  • FIG. 4 is a schematic configuration diagram of an embodiment of an artificial intelligence computer, which is a main part of the interlocked digital currency system and the payment system between electronic wallets interlocked with dedicated digital money according to the present invention.
  • the artificial intelligence computer 900 of the present invention monitors real-time identification information for users, merchants, and electronic wallets 400 and 500 connected in communication with the operating computer 100
  • An electronic wallet monitoring unit 910 A digital money monitoring unit 920 that monitors in real time unique identification information of digital money flowing between each electronic wallet connected to the operation computer 100 through communication
  • the user's electronic wallet is linked with the affiliated store's electronic wallet by means of a location-based service of the artificial intelligence computer or a short-range communication means, and the affiliated store information and the corresponding dedicated digital currency holding information are displayed, and the affiliated store holding the user's electronic wallet It can be configured so that the best related digital currency is selected and processed for payment.
  • the location-based service of the artificial intelligence computer and the short-range communication means interlock with the member store's electronic wallet, and payment of the transaction product of the unmanned store is made immediately.
  • the merchant's electronic wallet may be configured to charge the product value to the user's electronic wallet.
  • FIG. 5 is a schematic configuration diagram of an embodiment of a digital currency issuance (charge) request means of an interlocked digital currency system and an electronic wallet interlocking payment system linked with a dedicated digital currency of the present invention.
  • FIG. 6 is a schematic configuration diagram of an embodiment of a means for issuing (charging) foreign exchange digital currency of the interlocked digital currency system of the present invention and the payment system between electronic wallets linked to the dedicated digital currency.
  • 7 is a schematic configuration diagram of an embodiment of a dedicated digital currency issuance request or request means of an interlocked digital currency system and an electronic wallet interlocking payment system linked with the dedicated digital currency of the present invention.
  • the digital currency issuing (charging) request means 121 of the present invention includes a dedicated digital currency button unit 122 for selecting a dedicated digital currency issuing (charging) area; A holding amount display unit 123 for displaying a holding amount capable of issuing (recharging) digital currency; A random setting unit 124 for the requester of digital currency issuance (charge) to randomly set the number of issuance (charge) for each amount, or to select an optimized number of issuance (charge) for each amount provided by the operating computer; An issuance number setting unit 125 for setting the number of digital currency issuance (charge) per amount in order to request digital currency issuance (charge) for each amount unit; A total amount display unit 126 for displaying a total amount set to check the total issuance (charge) amount of digital currency; A payment button unit 127 for paying a payment for issuing (charging) digital currency; It is a configuration including a country conversion button unit 128 for converting to another country digital currency issuance (charge) request means.
  • FIG. 6 is a function module unit 450, 560, and 660 for converting each electronic wallet 400, 500 of the present invention into an electronic wallet of a desired country, After conversion to payment, connect to the digital currency issuance (charge) request means 161 or connect to the country conversion button unit 128 in the digital currency issuance (charge) request means 121 of the present invention and select the country as the United States Thus, it becomes the national converted digital currency issuance (charge) request means 161, and is an example of setting the number of units of money to request the issuance (charge) of digital currency in US dollars.
  • the digital currency issuance (charge) request means can be configured to be automatically converted into a native language by displaying the converted national amount by applying a real-time exchange rate.
  • Figure 7 is a dedicated digital currency issuance (charge) request means 129 of the present invention, a dedicated digital currency button unit 122 for selecting a dedicated digital currency charging area in the digital currency issuance (charge) request means 121 ), it becomes the dedicated digital currency issuance (charge) request means 129, and the number of each unit of money is set to request the issuance (charge) of exclusive digital money.
  • a user who wants to issue digital money or a user of a franchise store is a digital currency charging means composed of a web program or an application program or a cloud program in each electronic wallet 400 and 500 of the terminal ( 121) (129) (161) are driven.
  • the user checks the amount in the holding amount display unit 123, which displays the amount of holdings that can be issued (recharged) for digital currency, and sets the number of digital currency issuance (charges) per amount in order to request the issuance of digital money by amount unit.
  • the number of issuance setting unit 125 for each amount sets the amount of digital currency to be issued (charged) within the corresponding limit.
  • the total amount set at that time is displayed on the total amount display unit 126.
  • the user connects the payment button unit 127 after checking the set total amount. The amount is transferred to the operating computer 100, and the amount deducted is displayed on the holding amount display unit 123.
  • the user may select the random setting unit 124 to randomly set the number of digital currency issuance (charge).
  • it may be set in units of currency circulated on the market, and preferably, it is preferable to be configured to subdivide and set the amount unit of digital currency.
  • the issuer may be an operating computer 100 and a digital currency distribution computer 200, as well as a central bank computer or a separate third computer.
  • the digital money distribution computer 200 connected to the operating computer 100
  • the digital currency issued for the amount is distributed (transfer of ownership) to the user's electronic wallet (400) (500).
  • the operating computer 100 when a digital currency issuance (charge) is requested from the electronic wallet 500 for the affiliated store to the operating computer 100, the operating computer 100 is issued a digital currency information storage space (capacity) 800 distributed (cumulative) information area.
  • the electronic wallet for the affiliated store is supplied with unique identification information in the name of the charging service provider and company salary, and then distributed (transfer of ownership) to the electronic wallet 500 for the affiliated store.
  • the user's electronic wallet 400, 500, the electronic wallet 500 for the affiliated store that is executed in connection with the distribution program, the address to be deposited into the uncharged amount management unit 427, and set fee information, etc., can be included in the unique identification information. have.
  • the user has described the digital currency in a form in which the digital currency is distributed by paying the operating computer 100 or the merchant's electronic wallet 500 with cash or uncharged amount, but is not limited thereto, but is not limited to credit, account transfer, goods, It can be configured to be able to pay with various payment methods such as gift certificates and cryptocurrency.
  • FIG. 8 is a schematic configuration diagram of an embodiment of a means for requesting issuance of a dedicated digital currency to an operating computer in an electronic wallet for a franchisee of the interlocked digital currency system and the electronic wallet interlocked with the dedicated digital currency of the present invention. As shown in Fig.
  • the dedicated digital currency issuance request means 202 of the present invention includes: a total issuance amount input unit 203 for inputting a total amount of exclusive digital currency issuance; A confirmation button unit 204 for approving the amount of the total issued amount input unit 203; A code 1 input unit 205 that is automatically input according to the unique identification information of the electronic wallet 500 for an affiliated store; A code 2 input unit 206 directly input by an affiliated store; A code addition button unit 207 capable of adding a code input unit; A fee display unit 208 determined by the operating computer; A discount rate setting unit 209 applied when the user's electronic wallet 400 and 500 uses the exclusive digital currency to purchase the affiliated store products and services; An accumulation rate setting unit 211; An expiration date setting unit 212 that determines a use limit of the dedicated digital currency; The configuration includes an issuing button unit 213 for approving the input.
  • the dedicated digital money issued by the dedicated digital money issuance request means 202 is stored in the digital money distribution computer 200 in a state of total issued amount,
  • the digital currency distribution computer 200 is issued by deducting the total amount of the exclusive digital currency issued. And the ownership is transferred to the user.
  • the exclusive digital currency issuance information may be directly input from the electronic wallet for the affiliated store, and a dedicated digital currency application range may be set through the code input unit to issue the exclusive digital currency.
  • the code 1 input unit 205 and the code 2 input unit 206 will be described in more detail with respect to the common code input unit.
  • the code recorded in the code input unit is included in the dedicated digital currency unique identification information, and holds the dedicated digital currency.
  • the coincidence of the payment method's unique identification information code is one of the main processes in executing the payment. .
  • a dedicated digital currency limited to a specific traditional market in a specific region It is a dedicated digital currency limited to a specific product made by a specific company and can be issued by subdividing the scope of application.
  • the remaining transaction balance after using the dedicated digital currency is sent to each electronic wallet uncharged amount management unit 427 capable of issuing (charging) general digital currency according to the dedicated digital currency information storage space (capacity) and unique identification information record.
  • each electronic wallet uncharged amount management unit 427 capable of issuing (charging) general digital currency according to the dedicated digital currency information storage space (capacity) and unique identification information record.
  • FIG. 9 is a schematic configuration diagram of an embodiment of an electronic wallet for a user, which is a main part of a payment system linked between digital currency and an electronic wallet according to the present invention.
  • the electronic wallet 400 for a user of the present invention includes a unique identification information module such as a QR code, a personal identification information module such as a QR code, and a bone scan capable of scanning and transmitting user information.
  • An identification module unit 410 including a module, a counterparty scan module capable of scanning and recognizing counterparty information, and an image display module capable of displaying a user's own photo or image;
  • a cash holding information display module unit 420 for displaying the total amount of cash held and the total amount of unfilled cash;
  • a charging module for requesting charging of digital currency by accessing the operating computer 100 or the electronic wallet 500 for a franchisee, an account information module for managing the user's own bank account and transmitting account information to the counterparty, and the user's own bank
  • a financial module unit 430 including a transfer module for transferring from an account to a counterparty bank account;
  • Transaction record information module that allows you to check the transaction records used by distributed storage of all transactions that occurred in the electronic wallet.If a user who has not applied for
  • a transaction information module including a credit usage information module that transmits a credit application to the computer 100 and receives approval from the operating computer 100, and then checks the credit usage record by the user using the credit, uses and pays for credit-related services.
  • Part 440 In order to make reservations at affiliated stores such as hotels, restaurants, and beauty salons, a holding status module that checks the user's general and exclusive digital currency holdings, a taxi calling module that calls affiliated taxis and receives information such as the location of the taxi and driver's photos, etc. As a down payment, you can receive a larger discount by paying general or exclusive digital currency, and the holding digital currency utilization unit 450, which includes a reservation module that allows you to pre-select food or related services at a desired time, is affiliated.
  • a shopping mall module that can connect to a shopping mall that has access to the shopping mall, and introduces the items needed by the user in advance by making a database of the items purchased at the shopping mall, and places an order according to the user's selection, a messenger module that communicates data with the electronic wallet for the affiliated store, and the user
  • the configuration includes a product search module unit 460 that searches for a product for product transaction and displays a product required by a user in a search window by interlocking with the shopping mall information module.
  • FIG. 10 is a schematic configuration diagram of an embodiment of an electronic wallet for an affiliated store, which is a main part of an interlocked digital currency system and an electronic wallet interlocking payment system linked with a dedicated digital currency of the present invention.
  • the electronic wallet 500 for an affiliated store of the present invention includes a unique identification information module such as a QR code, for example, a unique identification information module such as a QR code, and a bone scan that can scan and transmit the affiliated store's own information.
  • a unique identification information module such as a QR code
  • a unique identification information module such as a QR code
  • a bone scan that can scan and transmit the affiliated store's own information.
  • An identification module unit 510 including a module, a counterparty scan module capable of scanning and recognizing counterparty information and an image display module capable of displaying a photo or image of an affiliate store owner or employee;
  • a digital currency and cash holding information display module unit 520 for displaying the total amount of cash held and the total amount unfilled;
  • a charging module that charges digital currency requested by the user's electronic wallet 400, an account information module that manages the affiliated store's own bank account and transmits account information to the counterparty, and transfers from the affiliated store's own bank account to the counterparty's bank account.
  • a financial module unit 530 including a transfer module to allow;
  • a transaction record information module that allows you to check the transaction records used by distributed storage of all transactions in the electronic wallet. If a merchant who has not applied for credit at the time of membership registration wants to use digital currency as credit, enter necessary information such as credit information to operate the above.
  • Credit usage information module that transmits the credit usage application to the computer 100 and receives approval from the operating computer 100, and then checks the credit usage record of the credit-using merchant, uses credit-related services, and makes payment, general and exclusive use of the merchant.
  • a transaction information module unit 540 including a holding status module for checking the holding status of digital currency; After making a transaction with the user's electronic wallet 400 in digital currency, a refund module that transfers ownership of the digital currency to the user's electronic wallet 400 according to the user's request for a refund, and the merchant's electronic wallet 500
  • a digital currency information module unit 550 including a disposal module for requesting disposal of the digital currency from the operating computer 100;
  • a reservation module that checks the status of reservations entered into the merchant electronic wallet 500, between the merchant electronic wallet, a messenger module that communicates data with the user electronic wallet, and the merchant electronic wallet of the country where the merchant electronic wallet is desired.
  • FIG. 11 is a schematic configuration diagram of an embodiment of a digital currency display screen of an interlocked digital currency system and an electronic wallet interlocking payment system linked to a dedicated digital currency of the present invention.
  • the display screen 700 of the digital currency of the present invention includes unique identification information of general digital currency that is charged externally or received from a counterpart electronic wallet and recorded in the general digital currency information storage space (capacity) form.
  • a general digital currency management unit 423 that discriminates whether there is contamination, handles errors when contamination, stores when there is no contamination, and sends out the most optimal general digital currency that is greater than the value of goods and services when a general digital currency payment request is made;
  • the unique identification information of the dedicated digital currency that is charged or coming from the other electronic wallet and the record in the dedicated digital currency information storage space (capacity) form are identified, error-processed in case of contamination, and stored when there is no contamination, and exclusive digital currency payment
  • a dedicated digital currency management unit 425 that, upon request, sends out an optimal dedicated digital currency that is greater than the value of the product and service and is the closest; Stores and manages cash, transfer amount, credit limit, goods, cryptocurrency, etc.
  • an uncharged amount management unit 427 that returns the transaction balance and the reserve money to the counterpart electronic wallet;
  • the number of holdings display unit 710 for each amount of money, which is distinguished by each amount of digital currency and displays the number of possessions;
  • An information storage capacity display unit 720 that displays a number of information storage space in which corresponding information is recorded according to usage and payment from the time of issuing or recharging digital money set for each digital currency amount unit;
  • An information storage space display unit 730 for visually displaying an information storage space in which corresponding information is recorded according to usage and payment from the time of issuance or charging of digital money set for each amount of digital money;
  • a used space (capacity) display unit 740 for visually displaying a space (capacity) used by information recording among the information storage spaces;
  • An available space (capacity) display unit 750 for visually displaying a remaining
  • the above-described digital currency display screen is a description of the display screen of the general digital currency, and the display of the dedicated digital currency may be configured to display a region, chain store, traditional market, department store, and cultural sports in the digital currency.
  • the application range can be determined by any number of applications, so it can be composed of various dedicated digital currencies.
  • the information storage space (capacity) 720 set and displayed in the digital currency for each amount of money may have a set capacity changed according to information such as a distribution speed of the digital money for each amount.
  • the expiration date of the digital currency is an effect that allows users to use the digital currency within the time limit, and when not in use, it is a composition to prevent harm caused by accumulation of issued or charged digital currency, and inhibition of circulation activation. to be. For example, if the expiration date of a digital currency enters within one month, the corresponding digital currency is displayed in orange, and if it enters within 15 days, it is displayed in red. It can be configured to be.
  • the electronic wallet of the transaction party checks whether the transaction is normal using the electronic wallet's own program, and the payment is made only when there is no problem by recognizing the unique identification information of the digital currency. If there is a problem as a result of the check, a payment or remittance error message appears, and the payment or remittance fails, as well as corresponding situation information is transmitted to the operating computer 100.
  • One of the essential concepts of the present invention is to provide an information storage space (capacity) when issuing the digital currency for safe distribution of digital currency, currency volume management, and improved security.
  • the information storage space (capacity) is a structure in which information set according to digital currency issuance or payment, recharge, remittance, etc. is accumulated according to the format. Therefore, it is possible to achieve the same total issue amount effect with less money than real money.
  • the digital currency is discarded when the information storage space (capacity) is accumulated and exhausted by use or reaches a set rate.
  • the merchant's electronic wallet 500 is charged to the user's electronic wallet 400 without the intervention of the operating computer 100, and the user's electronic wallet 400 allows the merchant's product and service amount to be settled in digital currency. will be.
  • This decentralized charging and payment is one of the meanings given by setting an information storage space (capacity) in digital currency.
  • each area of the digital currency information storage space form is filled in each time ownership is transferred between the user and the affiliated store, and between the affiliated store and the affiliated store where the digital currency is a transaction target terminal. Therefore, when each area is not filled in the transaction, or if it is not filled according to the set method, the transaction is not made due to an error in digital currency.
  • the digital currency information storage space (capacity) can be filled and used once more in preparation for the digital currency to be distributed without returning to the operating computer 100. It can be configured by allocating an extra information storage space (capacity).
  • one of the essential concepts of the present invention is that distribution of digital currency payments, etc. is made by its own program between the user's electronic wallet 400 and the affiliated store's electronic wallet 500 without intervening the operating computer 100 . Accordingly, the digital currency distribution of the present invention seeks a configuration that can be distributed like cash on the market.
  • one of the essential concepts of the present invention is that even if the main communication is blocked due to an unexpected accident such as a natural disaster, the affiliated store equipped with a short-range communication means is interlocked with the user's electronic wallet 400 to make digital currency payment. It is a payment system. Of course, when the main communication is restored, it is connected with the operating computer 100 to perform tasks that could not be performed.
  • the information record stored in the digital currency information storage space is a transaction target.
  • This is the effect of mutually checking contamination by interlocking the information stored in the digital currency and the information stored in the electronic wallet during distribution, such as digital currency payment, and minimizing contamination such as digital currency hacking or illegal use and safe distribution.
  • It is a configuration that aims to In addition, the total amount of digital money held according to the change in the electronic wallet 400 for users and the electronic wallet 500 for merchants that has been paid in case the electronic wallet is not used due to the loss of the terminal or the terminal virus contamination. Is transmitted.
  • the artificial intelligence computer 900 by communication with the operating computer 100 and the unique identification information for users, affiliated stores, electronic wallets 400 and 500 connected in communication with the operating computer 100 Multiple security systems are being built, such as real-time monitoring (replication, etc.) of unique identification information of digital currency that flows between connected electronic wallets.
  • FIG. 12 is a schematic configuration diagram of an embodiment of a digital currency information storage space of an interlocked digital currency system and a payment system between electronic wallets linked with dedicated digital currency of the present invention.
  • the present invention digital currency information storage space 800 the issuer (operator of the operating computer) that issued the digital currency, a charging business operator, a company (salary payer) that is a franchise that recharges digital currency to users ,
  • a distribution (cumulative) information area 810 in which government (tax collector) information and each unique identification information are fixedly recorded and stored;
  • a distribution (once) information area 820 in which information of subjects to be distributed regarding goods and services and unique identification information of each electronic wallet are recorded and stored once;
  • a purchaser information area 830 for recording and storing purchaser information (user, affiliated store), an electronic wallet for a corresponding user, an electronic wallet for a merchant, and unique identification information;
  • a seller information area 840 for recording and storing information on affiliated stores that have sold goods and services using the user's electronic wallet, the affiliated store's electronic wallet, and digital currency as a payment means, and each electronic wallet's unique identification information;
  • a payment amount information area 850 for recording and storing information on the amount of goods and services and the amount of
  • the distribution (cumulative) information area 810 is the issuer (operator of the operating computer) that issued the digital currency to be recorded and stored, the recharging service provider, the company (payer), the government (tax collection), which is a franchise that recharges the digital currency. I), etc.
  • Each entity receives a cumulative distribution of a set fee until the digital currency is discarded whenever a transaction is made just by being recorded once.
  • the government collects tax in real time whenever a transaction is made in the digital currency distribution (cumulative) information area 810, which can be applied in accordance with the calculation criteria for value added tax (sales tax) for each country.
  • the distribution (once) information area 820 unlike the distribution (cumulative) information area 810, in which related subjects accumulate and distribute a set fee, the distribution targets for goods and services receive a set fee once It is a recording and storage area.
  • the transaction history record and storage program in the electronic wallet are linked to store the transaction details in each area of the information storage space form of the digital currency. It is recorded and stored, and the distribution program within the electronic wallet is immediately linked, and the corresponding amount is distributed to the electronic wallet address contained in each unique identification information according to the transaction details of each area. Subsequently, the distributed storage program in the electronic wallet is interlocked to distribute the transaction records to the user's electronic wallet and the electronic wallet subject to transaction.
  • the unique identification information of the digital currency transferred to the ownership is transmitted, and at the same time, the total amount of digital money held according to the change in each electronic wallet that has been paid for is transferred to the operating computer 100.
  • a payment system linked between transmitted digital currency and electronic wallet is presented.
  • the main functions of the electronic wallet can be performed without intervening the operating computer by utilizing the user's electronic wallet and the affiliated store's electronic wallet, and its own performance and program functions.
  • each electronic wallet can extract and utilize only the necessary information of each electronic wallet user set by the operating computer for personal information protection.
  • 13 is an embodiment of the use of digital currency between countries according to the conversion of foreign wallets in the electronic wallet for users and the electronic wallet for franchisees, which are the main parts of the interlocked digital currency system and the electronic wallet interlocked with the dedicated digital currency according to the present invention. It is a schematic configuration diagram.
  • the system for using digital currency between countries according to the present invention converting overseas wallets is divided into a first station electronic wallet system 10 and a second station electronic wallet system 20, and the first station electronic
  • information location information of the user terminal of the first station and unique identification information of the electronic wallet, etc.
  • the management unit 6000 has an effect that the local user information is not leaked from the first station electronic wallet system 10 by verifying only the necessary information at the request of the second station operation management unit 7000, which is a counterpart.
  • the user is a term that collectively refers to a user and an affiliated store
  • the user terminal is a collective term for a user terminal, an affiliated store terminal, as well as an electronic wallet for users and an electronic wallet for an affiliated store.
  • the first country user terminal (1500) connects to the second country operation and management unit (7000) to recharge digital currency, and the product of the second country user terminal (7500)
  • the entire process of purchasing and paying for services and services is the same as when used in the home country.
  • the payment information of the first station user terminal 1500 is to the first station operation management unit 1000 and the intermediary operation management unit 6000
  • the payment information of the second station user terminal 7500 is the second station operation management unit. It is distributed and stored in (7000) and the intermediary operation management unit (6000).
  • the intermediary operation management unit 6000 can determine whether there is contamination by collating mutual payment information, and the intermediary operation management unit 6000 even if the user is in a situation that cannot be used, such as the loss of the first country user terminal 1500. ), you can recharge the amount of digital currency.
  • a method of using interlocked digital currency includes the steps of downloading and executing programs for a user electronic wallet and an electronic wallet for a member store, respectively, using terminals of a user and a member store; Receiving and storing, by the operating computer of the operation management unit, the user's electronic wallet, the merchant's electronic wallet unique identification information and terminal information executed in each terminal of the user and the affiliated store;
  • the operation management unit generates the requested digital currency by receiving the request information for charging of the digital currency set by the amount and the number of each amount and transmitted from the user's electronic wallet or the dedicated digital currency specified Transferring the ownership;
  • the electronic wallet for the user of the user terminal contains the digital currency or the exclusive digital currency transmitted from the operation management unit, the information storage space (capacity) set for each amount, the expiration date and unique identification code of the digital currency.
  • the merchant's electronic wallet receives and stores the payment information of the product purchase amount and the paid digital currency of the user's electronic wallet, and determines whether the stored digital money exceeds the product purchase value, and when the transaction balance exceeds the payment Recording and storing according to the format of the digital currency information storage space (capacity) together with the details; Distributing each subject's unique identification information according to the distribution details recorded in the digital currency information storage space (capacity) form; Distributing and storing the record in a transaction target electronic
  • a method of using an interlocked digital currency includes activating an electronic wallet for a user of a user terminal and an electronic wallet for an affiliated store of the affiliated store terminal; Recognizing the unique identification information of the user's electronic wallet of the user terminal by the user's electronic wallet of the user terminal and the merchant's electronic wallet of the affiliated store terminal or the merchant's electronic wallet of the affiliated store terminal; The electronic wallet for users and the electronic wallet for franchisees displaying necessary information set among information included in each of the unique identification information through digital currency or mutually transmitting them to the electronic wallet; In the electronic wallet of the user terminal, when there is a general digital currency corresponding to the value of the merchant's product and service transaction, or a dedicated digital currency issued by the merchant, it is selected as the highest priority, and ownership is transferred to the merchant electronic wallet for payment; and ; The merchant's electronic wallet receives and stores the payment information of the product purchase amount and the paid digital currency of the user's electronic wallet, and determines whether the stored digital money exceeds the product purchase price, and when the
  • a payment method between electronic wallets linked with digital currency includes the steps of: monitoring location information of registered electronic wallets in real time by an artificial intelligence computer providing a location-based service to the electronic wallet registered by the operation management unit;
  • an artificial intelligence computer providing a location-based service to the electronic wallet registered by the operation management unit;
  • a payment method between electronic wallets linked with dedicated digital currency includes the steps of: monitoring location information of registered electronic wallets in real time by an artificial intelligence computer that provides a location-based service to the electronic wallet registered by the operation management unit;
  • an artificial intelligence computer that provides a location-based service to the electronic wallet registered by the operation management unit
  • the artificial intelligence computer operates in a payment standby mode for the user electronic wallet; and
  • Operating the electronic wallet for a user in a payment standby mode by a short-range communication system in the unmanned store Calculating a purchase price of the electronic wallet product for the user by a payment system inside the unmanned store; Transmitting the product purchase price of the user's electronic wallet to the artificial intelligence computer in the communication system in the unmanned store when the user's electronic wallet passes through the entrance;
  • the artificial intelligence computer captures it in real time and transmits the product purchase price to the user's electronic wallet;
  • the artificial intelligence computer captures it in real time and transmits the product purchase price to the user's electronic wallet
  • a method includes the steps of activating an electronic wallet for a user of the user terminal, an electronic wallet for an affiliate store of the affiliated store terminal, and an electronic wallet for a user of the user terminal; Performing, by the user's electronic wallet, converting the country of the electronic wallet; Each of the electronic wallets and an intermediary operation management unit that mediates the operation management unit of the mother country to the operation management unit of the first country, the operation management unit of the converted state to the operation management unit of the second country, and the operation management unit of the first station and the second country.
  • Interlocking and connecting Converting the electronic wallet into a corresponding country to be displayed in a native language, applying real-time exchange rate information to the total amount of cash held and the total amount uncharged, and displaying a currency exchange for each country;
  • the operation management unit of the first station shares the unique identification information of the user's electronic wallet with the intermediary operation management unit, and the operation management unit of the second station requests a request to charge the user's electronic wallet for general digital currency or dedicated digital currency.
  • the embodiments of the present invention described above are only some of the various embodiments of the present invention.
  • the operating computer of the present invention issues or recharges digital currency, but distribution and profit distribution of digital currency is performed by mutually checking information included in the digital currency and information included in the user's electronic wallet and the affiliated store's electronic wallet. When it is confirmed that it is not contaminated, it is natural that various embodiments corresponding to the technical idea of a digital currency and electronic wallet interlocked payment system made instantly between electronic wallets are included in the protection scope of the present invention.

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Abstract

La présente invention concerne un système de monnaie numérique verrouillé, un système de paiement entre des portefeuilles électroniques verrouillés avec une monnaie numérique dédiée, et un procédé associé. Le système de devise numérique verrouillée et le système de paiement entre des portefeuilles électroniques verrouillés avec une monnaie numérique dédiée comprennent : une unité de gestion d'opération ; au moins un portefeuille électronique d'utilisateur qui est exécuté dans un terminal utilisateur accédant à l'unité de gestion d'opération par l'intermédiaire d'un moyen de communication, de façon à émettre ou à effectuer une requête pour charger une monnaie numérique verrouillée, et effectuer un échange commercial au moyen de la monnaie numérique verrouillée chargée ; et au moins un élément de portefeuille électronique qui est exécuté dans un terminal de magasin membre accédant à l'unité de gestion d'opération et au terminal utilisateur par l'intermédiaire d'un moyen de communication, charge la monnaie numérique verrouillée dans le portefeuille électronique d'utilisateur, et effectue l'échange commercial en utilisant la monnaie numérique verrouillée et le portefeuille électronique d'utilisateur.
PCT/KR2020/004839 2019-04-12 2020-04-09 Système de monnaie numérique verrouillé et procédé associé, système de paiement entre des portefeuilles électroniques verrouillés avec une monnaie numérique dédiée, et procédé associé WO2020209637A1 (fr)

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