WO2021215727A1 - Système d'exploitation de monnaie numérique - Google Patents

Système d'exploitation de monnaie numérique Download PDF

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Publication number
WO2021215727A1
WO2021215727A1 PCT/KR2021/004573 KR2021004573W WO2021215727A1 WO 2021215727 A1 WO2021215727 A1 WO 2021215727A1 KR 2021004573 W KR2021004573 W KR 2021004573W WO 2021215727 A1 WO2021215727 A1 WO 2021215727A1
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WO
WIPO (PCT)
Prior art keywords
digital currency
electronic wallet
information
interface
payment
Prior art date
Application number
PCT/KR2021/004573
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English (en)
Korean (ko)
Inventor
이상열
Original Assignee
Lee Sang Yeol
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Lee Sang Yeol filed Critical Lee Sang Yeol
Publication of WO2021215727A1 publication Critical patent/WO2021215727A1/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
    • G06Q20/0655—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash e-cash managed centrally
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/381—Currency conversion
    • 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
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification

Definitions

  • the present invention relates to a digital currency operating system.
  • Crypto (virtual) money and electronic money can be viewed as intangible money stored or displayed on electronic devices and used online/offline, unlike tangible money used offline.
  • the cryptocurrency (virtual) decentralized payment method based on blockchain technology has the advantage of guaranteeing anonymity, but the more people transact, the longer the payment time, the higher the user fee, and the As compensation decreases, 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 individual transaction data remains in the central server, making it difficult to guarantee anonymity, and expensive payment and settlement fees for users
  • An object of the present invention is to provide a digital currency operating system that can solve the problems of the prior art.
  • the digital money operating system for solving the above problems performs issuance, charging (distribution), currency exchange and disposal of digital money to which an information recording space (capacity) is given (difference from electronic money) a digital currency operating server; a user electronic wallet that receives the digital currency from the digital currency operation server and uses it for product transactions and service transactions of on/offline affiliated stores; and an affiliated store electronic wallet that receives the digital currency from the user's electronic wallet in exchange for a transaction, and requests to exchange the digital currency to the digital currency operation server, wherein the digital currency leaves a transaction record in an information recording space for each transaction process, It is characterized in that it is used as an information medium that is linked with each electronic wallet program.
  • FIG. 1 is a schematic diagram of a digital currency operating system according to an embodiment of the present invention.
  • FIG. 2 is a detailed configuration diagram of the user terminal shown in FIG. 1 .
  • FIG. 3 is a detailed configuration diagram of the digital currency issuance and exchange server shown in FIG.
  • 4 and 5 are diagrams for explaining the structure and types of dedicated digital currency.
  • FIG. 6 is an exemplary diagram showing the configuration of the electronic wallet digital currency platform presented in the present invention.
  • FIG. 7A to 7B are diagrams illustrating an execution screen of the charging interface shown in FIG. 6 .
  • 8A to 8E are exemplary views showing the execution screen of the subscription interface shown in FIG. 6 and the recording status of the dedicated digital currency information recording space for each process.
  • 9A to 9D are exemplary views showing execution screens of the payment interface shown in FIG. 6 .
  • FIG. 10 is an exemplary view illustrating an execution screen of the interworking interface shown in FIG. 6 .
  • 11 to 13 are exemplary views showing the execution screen of the reservation interface and the recording status of the dedicated digital currency information recording space for each process.
  • 14 to 16 are exemplary views showing the execution screen of the direct transaction interface shown in FIG. 6 and the recording status of the dedicated digital currency information recording space for each process.
  • 17 is an exemplary view illustrating an execution screen of an interface for managing user information shown in FIG. 6 .
  • FIG. 18 is an exemplary view illustrating an execution screen of the remittance interface shown in FIG. 6 .
  • 19 to 21 are exemplary views showing the execution screen of the copyright interface shown in FIG. 6 and the recording status of the dedicated digital currency information recording space for each process.
  • 22 to 24 are exemplary views showing the recommendation record in the execution screen of the late interface shown in FIG. 6 and the dedicated digital currency information recording space distribution area during charging.
  • FIG. 1 is a schematic diagram of a digital money operating system according to an embodiment of the present invention
  • FIG. 2 is a detailed configuration diagram of the user terminal shown in FIG. 1
  • FIG. 3 is a detailed configuration of the digital money operating server shown in FIG. 4 and 5 are diagrams illustrating the structure and types of dedicated digital money
  • FIG. 6 is an exemplary diagram showing the configuration of an electronic wallet digital money platform presented in the present invention
  • FIGS. 7A to 7B are FIG. 6 It is a view showing the execution screen of the charging interface shown in
  • FIGS. 8a to 8e are exemplary views showing the execution screen of the subscription interface shown in FIG. 6 and the recording status of the dedicated digital currency information recording space for each process
  • FIGS. 8a to 8e are exemplary views showing the execution screen of the subscription interface shown in FIG. 6 and the recording status of the dedicated digital currency information recording space for each process
  • FIGS. 8a to 8e are exemplary views showing the execution screen of the subscription interface shown in FIG. 6 and the recording status of the dedicated digital currency information
  • FIG. 9a to 9D is an exemplary view showing an execution screen of the payment interface shown in FIG. 6
  • FIG. 10 is an exemplary view showing an execution screen of the interworking interface shown in FIG. 6
  • FIGS. 11 to 13 are execution screens of the reservation interface and It is an exemplary view showing the recording status of the dedicated digital currency information recording space for each process
  • FIGS. 14 to 16 are exemplary views showing the execution screen of the direct transaction interface shown in FIG. 6 and the recording status of the dedicated digital currency information recording space for each process.
  • FIG. 17 is an exemplary view showing an execution screen of the interface for managing user information shown in FIG. 6
  • FIG. 18 is an exemplary view showing an execution screen of the remittance interface shown in FIG. 6
  • FIGS. 22 to 24 are the execution screen of the late interface shown in FIG. 6 and exclusive digital currency information when charging It is an exemplary diagram showing the record of the recommender in the recording space distribution area.
  • the digital money operating system 100 includes a user terminal 200 , a digital money affiliated store terminal 300 , and a digital money operating server 400 .
  • the user terminal 200 may be a terminal executing a user electronic wallet digital currency platform for requesting and processing any one of issuance, charging, transfer of rights, and electronic payment of at least one or more digital currencies classified according to usage.
  • the user electronic wallet is a transaction medium that receives the digital currency from the digital currency operation server 400 and uses it as a price for product transaction and service transaction of on/offline affiliated stores.
  • the digital currency affiliated store terminal 300 may be a terminal that executes an affiliated store electronic wallet digital currency platform that receives payment in digital currency for on/offline product and service transactions.
  • the affiliated store electronic wallet is a transaction medium that receives the digital currency from the user's electronic wallet as a transaction price, and requests to exchange the digital currency to the digital currency operation server 400 .
  • the digital currency operation server 400 is configured to issue, charge (distribute), exchange and discard digital currency to which an information recording space (capacity) is given, and the issuance request, charge request, In accordance with the request for transfer of rights, digital currency is issued, charged, and transferred to the user terminal 200, and the digital currency requested for exchange in the digital money affiliated store terminal 300 is exchanged for electronic money (bank account, etc.).
  • At least one or more digital currencies described above leave a transaction record in the information recording space for each transaction process (see Figs. 8d, 8e, 13, 15, 21, 24) and are linked with each electronic wallet program It is used as an information medium, and includes an information recording space for distributing at least one of issuance details, charging details, usage details, payment details, and currency exchange details, and the information recording space provided by the operation server when issuing the digital currency ( Each area can be expanded and repeatedly distributed until the capacity) is full, the information for each process is recorded in the information recording space, and then rights are transferred to the copy transmission method, and the transaction record for each process in the information recording space is the original digital currency It is a transaction method that prevents double payment due to the initial transaction record because it is distributed and stored in
  • the at least one digital currency is the user's electronic wallet, the affiliated store's electronic wallet, and an account linkage or transfer, contract, credit (including credit card mobile storage), coupon, gift certificate, point, cryptocurrency, etc.
  • the place of use or usable products and services are specified according to the setting at the time of issuance of the affiliated store, which is the issuing entity, and the amount type exclusive digital currency issued so that there is no restriction on the amount used within the amount limit, specific products and It is classified as a commodity-type exclusive digital currency issued according to the service price.
  • Dedicated digital currency is the number of holdings, distribution (information code), product name (product code), buyer/seller (record), face value (product price), discount rate (discount amount), settlement price (difference), accumulation rate (accumulation amount), refund (duration) ), proof of transaction and information on currency exchange can be recorded.
  • the digital currency may be issued by the digital currency operation server 400 for each country for each type of national currency and issuance amount requested by the user terminal 200 or the affiliated store terminal 300 on which the digital currency platform 10 is executed. have.
  • the digital currency platform described herein may be an application, program, web page, cloud, edge computer, etc. installed or driven in the user terminal and the digital currency affiliated store terminal 300 through the network, or the terminal itself system.
  • the user electronic wallet and the affiliated store electronic wallet mentioned herein encode and store registered personal and business information in an arbitrary code, and the arbitrary code automatically extracted at the time of payment and currency exchange is stored in the corresponding area of the digital currency information recording space. is recorded, and when the digital currency is introduced, an arbitrary code is decoded and displayed by a program installed inside.
  • the digital currency payment method referred to herein includes at least one of a first payment method, a second payment method, a third payment method, and a fourth payment method.
  • the first payment method is a payment method used for storing digital currency received from the digital currency operation server in the user electronic wallet and making a payment.
  • the digital currency issued from the digital currency operation server is transferred to the affiliated store or the target electronic wallet through the user electronic wallet It is a payment method that is
  • the third payment method is a payment method that directly transfers the right to the digital currency issued by the digital currency operation server to the affiliated store or the target electronic wallet when payment or issuance after designating an affiliated store or a target electronic wallet in the user electronic wallet .
  • the fourth payment method is a payment method in which, when the digital currency stored in the user's electronic wallet is paid in the first payment method, the digital currency is split in face value according to the transaction amount and rights are transferred to the affiliated store electronic wallet.
  • the first payment method and the fourth payment method are payment methods in which payment is made only by selecting the dedicated digital currency or inputting and approval of the payment amount without a separate recognition means when paying for the dedicated digital currency.
  • the selection of the dedicated digital currency is not limited to touch/input and may be selected according to biometrics.
  • the first payment method and the fourth payment method are executed when the user electronic wallet connected to the digital currency operation server location-based system is executed, one or more merchants or merchant electronic wallet information adjacent to the location is displayed, and the displayed information It is a payment method in which payment is made only by inputting and approval of a dedicated digital currency or payment amount automatically selected by selection.
  • the second payment method and the third payment method are online non-face-to-face transaction methods, and the digital currency transferred to the affiliated store or the target electronic wallet is maintained in a non-right state so that neither party can exercise its rights until the final approval.
  • the meaning of maintaining the non-rights state means that the final approval of the user's electronic wallet is not recorded and distributedly recorded in the digital currency information recording space, so that it cannot be exchanged.
  • the user terminal 200 may be a terminal executing a user electronic wallet digital currency platform.
  • the user terminal 200 includes a communication unit 210 , a storage unit 220 , a display unit 230 , an audio output unit 240 , and a control unit 250 .
  • Not all of the components of the user terminal 200 are essential components, and the terminal 200 that executes the digital currency platform may be implemented by more components than the components shown in FIG. 2, and fewer components.
  • the terminal 200 running the digital currency platform may also be implemented by the element.
  • the communication unit 210 communicates with any internal component or at least one external terminal through a wired/wireless communication network.
  • the external arbitrary terminal may include a server (not shown), another terminal (not shown), and the like.
  • the communication unit 210 provides a digital currency platform (app), digital currency issuance and charging, data related to the platform, etc. can receive
  • the storage unit 220 stores various user interfaces (UIs), graphic user interfaces (GUIs), and the like.
  • the storage unit 220 stores data and programs necessary for the terminal 200 running the digital currency platform to operate. That is, the storage unit 220 is a plurality of application programs (application programs or applications) driven in the terminal device 200 executing the digital currency platform, the operation of the terminal 200 executing the digital currency platform You can store data and instructions for At least some of these applications may be downloaded from an external server through wireless communication or linked to the cloud.
  • at least some of these application programs may exist on the terminal 200 executing the digital currency platform from the time of shipment for the basic function of the terminal 200 executing the digital currency platform.
  • the application program is stored in the storage unit 220, installed in the terminal 200 executing the digital currency platform, and the operation (or function) can be driven.
  • the display unit (or display unit) 230 uses a user interface and/or a graphic user interface stored in the storage unit 220 and the control unit 250 under the control of the control unit 250 to display various menus such as various menu screens.
  • content can be displayed.
  • the content displayed on the display unit 230 includes various text or image data (including various information data) and a menu screen including data such as icons, list menus, and combo boxes.
  • the display unit 230 may be a touch screen.
  • the audio output unit 240 outputs audio information included in a signal processed by a predetermined signal by the controller 250 .
  • the audio output unit 240 may include a receiver, a speaker, a buzzer, and the like.
  • the voice output unit 240 outputs a guide voice generated by the control unit 250 .
  • the voice output unit 240 outputs voice information (or sound effects) corresponding to the execution result screen of the digital currency platform by the control unit 250 .
  • the controller (or microcontroller unit) 250 executes the overall control function of the terminal 200 executing the digital currency platform.
  • the controller 250 is stored in the storage 220
  • the program and data are used to execute the overall control function of the terminal device 200 that executes the digital currency platform.
  • the control unit 250 may include RAM, ROM, CPU, GPU, and a bus, and includes RAM, ROM, A CPU, GPU, etc. may be connected to each other through a bus, and the CPU may access the storage unit 220 and perform booting using the O/S stored in the storage unit 220, and the storage unit ( Various operations can be performed using various programs, contents, data, etc. stored in 220.
  • the control unit 250 is the terminal 200 executing the digital currency platform provided from the digital currency operation server 400.
  • the dedicated app (or application) installed in the terminal 200 running the digital currency platform is selected (or touch/executed, biometric) according to the user's selection (or user touch/input, biometric) ), the control unit 250 executes the dedicated app, and displays the app execution result screen on the display unit 230 .
  • the digital currency affiliated store terminal 300 receives the payment amount according to online and offline commerce in general digital money or money type and commodity type exclusive digital currency presented herein, and remittance and direct transaction of the user terminal 200 . It may be a terminal running an electronic wallet of an affiliated store holding a digital currency for use only.
  • the digital operation server 400 is configured to issue, charge (distribute), exchange, and discard digital currency to which an information recording space (capacity) is given, and a user terminal and an affiliated store terminal ( 300) issues and charges digital money to the user terminal 200 and the affiliated store terminal 300 according to the issuance and charging request, and converts the digital currency requested for exchange in the digital currency affiliated store terminal to 1:1 value with real money It may be a configuration that processes currency exchange.
  • the digital money operation server 400 may set each recording area in the information recording space differently according to the digital currency classification, and may update the user electronic wallet and the affiliated store electronic wallet accordingly.
  • the digital currency operation server 400 includes a charging and issuing unit 410, a currency exchange unit 420, an affiliated store information providing unit 430, a digital currency record inspection unit 440, an AI information processing unit 450, It includes a data portion 460 and a GIS 470 .
  • the charging and issuing unit 410 may be configured to charge/issue digital currency (general digital currency, dedicated digital currency) requested for purchase by the user terminal 200 and the affiliated store terminal 300 .
  • the at least one or more digital currency issued by the charging and issuing unit 410 may include an information recording space for distributing and recording at least one or more of issuance details, charging details, usage details, payment details, and currency exchange details.
  • the information recording space is used as an information medium to be used as an information medium, and includes an information recording space for distributing at least one of issuance history, charging history, usage details, payment history, and currency exchange details, and the information recording space provided by the operation server when issuing the digital currency
  • Each area can be expanded and distributed repeatedly until (capacity) is full, and after recording information for each process in the information recording space, rights are transferred to the copy transmission method, and transaction records for each process in the information recording space are original digital It is a transaction method that is distributed and stored in money to prevent double payment due to the initial transaction record.
  • the at least one digital currency is the user's electronic wallet, the affiliated store's electronic wallet, and an account linkage or transfer, contract, credit (including credit card mobile storage), coupon, gift certificate, point, cryptocurrency, etc.
  • the place of use or usable products and services are specified according to the setting at the time of issuance of the affiliated store, which is the issuing entity, and the amount type exclusive digital currency issued so that there is no restriction on the amount used within the amount limit, specific products and It is classified as a commodity-type exclusive digital currency issued according to the service price.
  • Dedicated digital currency is the number of holdings, distribution (information code), product name (product code), buyer/seller (record), face value (product price), discount rate (discount amount), settlement price (difference), accumulation rate (accumulation amount), refund (duration) ), proof of transaction and information on currency exchange can be recorded.
  • the dedicated digital currency charging is stored in the data unit 460 to be described later by setting and transmitting categories (classes) by location (home, work, current location) through the subscription interface of the user's electronic wallet, which will be described later.
  • the dedicated digital currency is stored in the data unit 460 through a dedicated digital currency issuance means, and the data unit 460 matches the category information for each location of the user electronic wallet with the exclusive digital currency issuance information of the affiliated store electronic wallet.
  • the exchange unit 420 performs illegal charging, illegal transaction records, and no records of digital currency (general digital currency, dedicated digital currency) requested to be exchanged from the affiliated store terminal 300 through the digital currency record inspection unit 440 to be described later. After requesting the inspection, if the inspection result is determined to be normal, it may be of a configuration to perform the exchange into real money.
  • digital currency general digital currency, dedicated digital currency
  • the exchange unit 420 may determine whether to exchange the money based on the sender's approval record.
  • the sender may request a report during approval and report, and the digital currency generation and exchange server 400 blocks the request for exchange until the report status is released.
  • the affiliated store information providing unit 430 provides digital currency affiliated store information in which a product can be purchased with the digital currency searched by the user terminal.
  • the affiliated store information providing unit 430 may include an affiliated store product information DB
  • the affiliated store product information DB includes digital currency for each type of digital currency handled by the affiliated store, the type of affiliated store, location information of the affiliated store, and digital currency for each product sold by the affiliated store. It may include information about the amount, the discount rate for each product sold, the accumulation rate, the quantity sold, and the like.
  • the digital currency record inspection unit 440 examines illegal charging, illegal copying, illegal transaction records (forgery) and no records of digital currency (general digital currency, dedicated digital currency) requested for exchange from the affiliated store terminal 300.
  • the above-described inspection is performed according to the inspection request of the above-described exchange unit 420 .
  • the AI information processing unit 450 receives the purchase and sales status information for each month, day, and time period provided from the user terminal 200 and the affiliated store terminal 300 or the used and exchanged digital currency to determine a purchase and sales pattern. After the analysis, it is possible to provide the purchase or sale prediction information to be generated by the user terminal and the affiliated store terminal.
  • the AI information processing unit 450 may provide, analyze, manage, predict, and display all information related to the purchase or sale of the electronic wallet, and monitor the presence or absence of duplicate digital currency in the electronic wallet in real time.
  • the AI information processing unit 450 randomly collects positive/negative reviews on online/offline product use, offline affiliated store use, and online affiliated store use recorded through the digital currency platform in the user terminal to receive the most charged on/offline affiliated stores. and listing the on/offline products in ascending or descending order to provide them to the user terminal 200 .
  • the AI information processing unit 450 disclosed in the present invention may employ a deep learning learning algorithm, and the deep learning learning algorithm is a Deep Belief Network, Autoencoder, Convolutional Neural Network (CNN), Recurrent Neural Network (RNN), Deep Q-Network and the like, and the deep learning learning algorithm listed in the present invention is only an example, and is not limited thereto.
  • the deep learning learning algorithm is a Deep Belief Network, Autoencoder, Convolutional Neural Network (CNN), Recurrent Neural Network (RNN), Deep Q-Network and the like
  • the deep learning learning algorithm listed in the present invention is only an example, and is not limited thereto.
  • the AI information processing unit 450 can be operated by applying itself to the user terminal 200 and the affiliated store terminal 300 or the electronic wallet rather than the digital currency operation server 400, which does not provide personal data to the company. It's a way to make it personal.
  • the data unit 460 records, stores, and matches the exclusive digital currency information requested to be issued by the affiliated store electronic wallet and the category information requested by the user electronic wallet, and provides the matching exclusive digital currency issuance information to the user electronic wallet, It performs the function of providing the status of purchase (recharge) of the exclusive digital currency to the e-wallet of the affiliated store.
  • the data unit 460 performs a function of recording and storing data necessary for the digital currency operating system and providing it as necessary.
  • the Geographic Information System (GIS) 470 performs a function of providing and processing location information of the user's electronic wallet and the affiliated store or affiliated store electronic wallet.
  • the user electronic wallet 10 disclosed herein is a charging interface 11, a QR interface 12, a subscription interface 13, a digital currency payment interface 14, an interworking interface 15, a reservation interface ( 16), a direct transaction interface 17 and a remittance interface 18 may be included.
  • the charging interface 11 requests charging (issuance) according to the selection request after the user selects or randomly selects the number of issuance (charging) per unit amount and issuance (charging) of digital currency (general and exclusive) when the user inputs the charging amount It may be an interface provided with means for doing so.
  • the charging interface 11 may further include a selection means for selecting a charging (issuing) unit of digital currency for each country or check.
  • the charging interface 11 may display the type, number, amount, and the like of digital currency held in the user electronic wallet executed on the user terminal.
  • the QR interface 12 may provide a means for recognizing or recognizing a short-range communication method or a tag method, and may be an interface for identifying an affiliated store terminal in a location adjacent to the user terminal.
  • the subscription interface 13 provides location information of the digital currency affiliated store or affiliated store terminal 300 located in a preset radius from the location of the user terminal 200, the category (trade name) of the digital currency affiliated store, and digital currency charging for each product. It may be an interface for searching and displaying the discount rate and the accumulation rate.
  • the subscription interface 13 may set a subscription to exclusive digital currency issuance information for each category, item, or industry.
  • the location information, discount rate, accumulation rate, etc. of the affiliated store issuing digital currency located in a preset radius are provided from the digital currency operation server 400 and displayed on the geographic information.
  • the digital currency payment processed by the digital currency affiliated store terminal may be the purchaser, the seller, the face value of the product sale, the discount rate %, the settlement price, the accumulation rate %, the refund, the transaction proof, and the storage of records of the exchange (result).
  • the digital currency payment interface 14 may be an interface that displays available digital currency and its information according to the type of the affiliated store, and provides a means for payment with the displayed digital currency.
  • the interworking interface 15 provides a menu display and ordering means by interworking with the affiliated store electronic wallet based on the digital currency operation server when the affiliated store is identified through a location-based system of the digital money operation server or a short-distance communication or tag method and may be an interface for displaying payment details.
  • the reservation interface 16 may be an interface that displays reservation-only digital currency information (merchant name, product name, discount rate, accumulation rate, etc.) for each category, and provides reservation information input and payment means.
  • the reservation information is input, in the case of digital currency in the reservation processing state, it is maintained in the non-rights state. That is, the digital currency is in the state of being held in the user's electronic wallet and the ownership is transferred to the affiliated store's electronic wallet later.
  • the direct transaction interface 15 includes a direct transaction product and service information search means, and displays a search result received from the digital currency operation server or the merchant electronic wallet or the transaction target electronic wallet connected through communication when searching, and the merchant electronic wallet It is an interface that includes the business (individual) and amount information input and payment means of the wallet or electronic wallet to be traded, displays the issued (direct transaction) exclusive digital currency information record space record, and provides the final approval means.
  • the sender makes an error remittance due to an error in amount or identity
  • he or she can request a report during approval and report, and the digital currency generation and exchange server blocks the request for exchange until the reported status is released.
  • the remittance interface 16 includes the merchant (individual) and amount information input and payment means of the merchant electronic wallet or the transaction target electronic wallet collectively, and displays the issued (remittance) dedicated digital currency information recording space record, and finally It may be an interface that provides an authorization means.
  • the digital currency platform 10 is a shopping interface 19, a copyright interface 20, an uncharged total interface 21, a late interface 22, a data interface ( 23) and an AI interface 24 may be further included.
  • the shopping interface 19 includes a product search means, and displays related information received from the digital currency operation server or the affiliated store electronic wallet or the transaction target electronic wallet connected through communication when searching, and a payment means when selecting one piece of information It is an interface that provides and provides the final approval means, displaying the information record space for the issued (product) exclusive digital currency.
  • the copyright interface 20 includes a copyright category setting means and a copyright product search means, and displays related information received from the digital currency operation server or the affiliated store electronic wallet or transaction target electronic wallet when selecting or searching for a copyright product, It is an interface that provides a payment method when selecting one piece of information and displays a download or streaming method when paying.
  • the uncharged total amount interface 21 displays the uncharged total amount, which is the sum of uncharged electronic money such as small compensation, settlement difference, and accumulated amount, and each uncharged electronic money information (charge date, time, sent e-wallet unique information code, etc.) And, it is an interface for providing charging information input and charging means of digital currency that exchanges 1:1 with the uncharged total amount.
  • the review interface 21 provides a link to the dedicated digital money charging means and a copy means for the user electronic wallet unique information code when paying with the exclusive digital currency issued by the affiliated store electronic wallet, and confirms with the review title and review address input fields It is an interface for providing reviews and negative reviews selection means, providing affiliate store and product review record retrieval means, and receiving and displaying the affiliate store and product review information from the digital currency operation server.
  • the data interface 23 is an interface that can output the transaction details and search details of digital currency in which the transaction date (hour, day, month) is recorded in any one period of day, month, and year, and the electronic receipt It is an interface that performs the function of
  • the AI interface 24 monitors the existence of duplicate digital currency in the electronic wallet in real time, and analyzes the period of use of the same type of product and use habits or patterns of digital currency based on the transaction records and search records collected in the data storage in the electronic wallet. It is an interface that displays, along with the displayed data, an optimal product advertisement or the issuance of a digital currency dedicated to the product through taste analysis on the screen when the electronic wallet is executed or by text in the search window.
  • the merchant electronic wallet described herein includes a QR interface, an interlocking interface, a reservation interface, a direct transaction interface, a remittance interface, a shopping interface, a copyright interface, an unpaid amount interface, an exchange interface, a review interface, a data interface, and an AI interface. do.
  • the QR interface is an interface that provides a means for recognizing or recognizing a short-range communication method or a tag method.
  • the interworking interface is linked with the user electronic wallet based on the digital currency operation server to provide the user personal information and real-time order and payment details interface to display.
  • the reservation interface includes (reservation) dedicated digital currency issuance information input and registration means, and when (reservation) dedicated digital currency is introduced, the user electronic wallet or transaction target electronic wallet recorded in the (reservation) dedicated digital currency information recording space It is an interface that displays personal information and reservation information of the person making a reservation, and provides a means for confirming or canceling a reservation.
  • the direct transaction interface includes direct transaction product and service information input and registration means, and when (direct transaction) exclusive digital currency is introduced, the user electronic wallet or transaction target electronic wallet collectively referred to as the individual purchaser, recorded in the (direct transaction) dedicated digital currency information recording space
  • An interface that displays information and amount information and provides a means of confirmation or return.
  • the remittance interface displays the personal and amount information of the sender, collectively known as the user electronic wallet or transaction target electronic wallet, recorded in the (transfer) dedicated digital currency information recording space, and provides confirmation or return means. interface provided.
  • the shopping interface includes product information input and registration means, and when the (shopping) exclusive digital currency is introduced, the user's electronic wallet or the transaction target electronic wallet collectively referred to as the purchaser's personal information and amount recorded in the (shopping) dedicated digital currency information recording space
  • An interface that displays information and provides a means of confirmation or refund.
  • the copyright interface includes copyright product information and file input and registration means, and when (copyright) exclusive digital currency is introduced, the user's electronic wallet or transaction target electronic wallet collectively referred to as the purchaser, recorded in the (copyright) exclusive digital currency information recording space It is an interface that displays information and amount information and provides a means for downloading or streaming the product.
  • the unfilled total amount interface includes uncharged electronic money issuance information input and payment means, displays the payment amount electronic money received from the digital money operation server, and includes uncharged electronic money payment information input and approval means, and the It is an interface that transmits to a user's e-wallet or a transaction target e-wallet, and stores and displays related details (date, time, user, etc.).
  • the exchange interface is an interface that displays the held digital currency and provides exchange information input and exchange means.
  • the review interface includes a review means related to the affiliated store or registered product, and is an interface for receiving and displaying review information from the digital currency operation server during a search.
  • the data interface is an interface that can output the transaction details and search details of digital currency in which the transaction date (hour, day, month) is recorded in any one period of day, month, and year, and performs the function of an electronic receipt. am.
  • the AI interface monitors the existence of duplicate digital currency in the e-wallet in real time, and based on the transaction and visit records collected in the data storage in the e-wallet, the sales status by year, month, day, and time period, and information such as the buyer’s gender, age, and visit route It is an interface that provides, analyzes, manages, and displays all information related to sales by analyzing
  • each of the above-described interfaces utilizes computer hardware and a computer program or web program, or application program, or cloud computer program, or edge computer program, or a program that is a mixture of one or more that are driven by using the resources of the computer hardware.
  • configuration that can be Therefore, in the description of the present invention, the names of hardware and programs utilizing the hardware may be used interchangeably.
  • the electronic wallet driven by 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, an edge computer program, which are driven by utilizing hardware resources, or may be a dedicated terminal.
  • breaking away from the current QR code method which is an obstacle (cost, time, etc.), which is an obstacle to the spread of simple payment, select a digital currency dedicated to each function, purpose, or service in which merchant information is recorded in the information recording space, or simply input and approve the payment amount. It offers the advantage that payments can be made.

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

Abstract

Selon un mode de réalisation de la présente invention, un système d'exploitation de monnaie numérique comprend : un serveur d'exploitation de monnaie numérique qui émet, recharge (distribue), échange et élimine une monnaie numérique accordée à un espace (capacité) d'enregistrement d'informations ; un portefeuille électronique d'utilisateur qui obtient la monnaie numérique rechargée à partir du serveur d'exploitation de monnaie numérique, et la fait intervenir dans le cadre des coûts d'une transaction associée à un produit et d'une transaction associée à un service auprès d'un franchisé en ligne/hors ligne ; et un portefeuille électronique de franchisé auquel est payée la monnaie numérique dans le cadre des coûts des transactions de la part du portefeuille électronique d'utilisateur, et qui demande au serveur d'exploitation de monnaie numérique d'échanger la monnaie numérique, la monnaie numérique empreignant, pour chaque processus de transaction, l'espace d'enregistrement d'informations d'un enregistrement de transaction, et étant utilisée en tant que support d'informations qui interfonctionne avec chaque programme de portefeuille électronique.
PCT/KR2021/004573 2020-04-20 2021-04-12 Système d'exploitation de monnaie numérique WO2021215727A1 (fr)

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