WO2023003445A1 - Système et procédé de règlement en monnaie virtuelle qui permettent d'éviter le risque de fluctuation des prix - Google Patents

Système et procédé de règlement en monnaie virtuelle qui permettent d'éviter le risque de fluctuation des prix Download PDF

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Publication number
WO2023003445A1
WO2023003445A1 PCT/KR2022/010851 KR2022010851W WO2023003445A1 WO 2023003445 A1 WO2023003445 A1 WO 2023003445A1 KR 2022010851 W KR2022010851 W KR 2022010851W WO 2023003445 A1 WO2023003445 A1 WO 2023003445A1
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WIPO (PCT)
Prior art keywords
payment
virtual currency
exchange
customer
account
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PCT/KR2022/010851
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English (en)
Korean (ko)
Inventor
박민수
장혁
임병훈
변연주
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주식회사 핑거
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Publication of WO2023003445A1 publication Critical patent/WO2023003445A1/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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/105—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems involving programming of a portable memory device, e.g. IC cards, "electronic purses"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • 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
    • 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • 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
    • 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 virtual currency payment system, and more particularly, to a virtual currency payment system and method capable of avoiding price fluctuation risk.
  • virtual currency is a virtual currency that can be mined or traded using a predetermined encryption technique regardless of the issuance power of a specific country. say currency.
  • most of the recent virtual currencies are based on blockchain technology.
  • financial transaction records are managed in a central server, there is no centrally managed system, and transaction records are shared among all users. It is a way to prevent counterfeiting by checking each time.
  • Cryptocurrencies such as Bitcoin, Ethereum, and Ripple are based on blockchain technology, which sends transaction details to all users participating in transactions and compares them each time a transaction occurs to prevent data forgery.
  • a block means a form in which various transaction information is collected, and through this block, double payment and counterfeiting are prevented.
  • these virtual currencies are not widely used in everyday life, and transactions within exchanges are the main ones. Therefore, virtual currency is still not actively used in real life such as payment for goods/services.
  • FIG. 1 shows a virtual currency payment process in a general virtual currency payment system.
  • a customer consumer
  • the virtual currency in the Main Net electronic wallet is transferred to a personal electronic wallet or the virtual currency in the exchange account is transferred to a personal electronic wallet. deposit into wallet
  • the customer transfers the virtual currency from the personal electronic wallet to the electronic wallet of the payment service provider in order to pay after purchasing the product.
  • the payment service provider deposits the virtual currency of the customer (consumer) deposited in the electronic wallet of the payment service provider into the account of the payment service provider on the exchange, sells it on the exchange, and then withdraws the cashed amount to pay for the value of the affiliate store where the customer (consumer) purchased the product. Transfer the amount debited to your account.
  • the virtual currency market price at the time the customer (consumer) purchases the product and the virtual currency market price at the time the payment service provider sells the product to the exchange that is, at the time of payment and sale.
  • the price of a product purchased by a customer (consumer) is 1,000,000 won
  • the virtual currency market price is 0.1 Bitcoin (BTC) at 1,000,000 won
  • the customer (consumer) transfers 0.1 BTC to the exchange account of the payment provider.
  • the market price of 0.1 BTC can be 900,000 won when the payment service provider sells it to the exchange. In this case, a difference of 100,000 won occurs due to market price fluctuations between the time of payment and the time of sale, and transaction fees are also incurred when selling bitcoins to the exchange.
  • the payment service provider operating the payment system bears the risk of market price fluctuation when exchanging virtual currency through an exchange.
  • different transaction fees for each exchange and fees for withdrawals from exchanges (approximately 1,000 won per transaction) will be borne.
  • a certain period of time (up to 72 hours) is required for exchange withdrawal after exchange and exchange.
  • the problem to be solved by the present invention is to solve the above problems, and to save transfer fees by processing payment through virtual currency transfer between exchange accounts without going through a virtual currency electronic wallet, and customer payment and exchange exchange almost simultaneously It is to provide a virtual currency payment system and method capable of avoiding price fluctuation risk, which can shorten the settlement period by eliminating the market price fluctuation risk when exchanging virtual currency and simplifying the payment process.
  • a virtual currency payment system capable of avoiding price fluctuation risk according to an aspect of the present invention for achieving the above technical problem is, when a customer (user) purchases goods or services at a shopping mall or affiliated store, payment is made using virtual currency A customer terminal with an app or web installed; And when the customer (user) purchases a product or service and selects payment through a click or touch through the user interface (UI) displayed on the customer terminal, the customer's exchange account using the scraping bot transfer the virtual currency corresponding to the payment amount to the exchange account of the payment provider, and sell the virtual currency corresponding to the payment amount transferred to the exchange account of the payment provider at the virtual currency exchange and withdraw the sales amount to the operator's payment account and a payment service provider system for transmitting the settlement amount of the corresponding payment to an affiliated store account.
  • UI user interface
  • the payment service provider system When the customer (user) purchases a product or service and selects a payment through a user interface (UI) displayed on the customer terminal through a click or touch, the payment service provider system provides payment and merchant information from the customer terminal.
  • Scraping payment information including, and transferring virtual currency corresponding to the payment amount from the customer's exchange account registered in advance to the exchange account of the payment operator through simple payment using the authentication information provided by the customer in advance, and the payment operator
  • a scraping server for ordering to sell the virtual currency corresponding to the payment amount transferred to the exchange account of the virtual currency exchange; and a payment server for withdrawing the sale amount to the business operator's payment account and transferring the settlement price of the payment to the merchant's account when the sale transaction is concluded at the virtual currency exchange and the sale amount is deposited into the exchange account of the payment service provider.
  • a virtual currency payment system capable of avoiding price fluctuation risk according to another aspect of the present invention for achieving the above technical problem is that when a customer (user) purchases goods or services at a shopping mall or affiliated store, payment is made using virtual currency A customer terminal with an app or web installed; And when the customer (user) purchases a product or service and selects payment through a click or touch through the user interface (UI) displayed on the customer terminal, the virtual currency payment API provided by the virtual currency exchange server The virtual currency corresponding to the payment amount is transferred from the customer's exchange account to the exchange account of the payment service provider, and the virtual currency corresponding to the payment amount transferred to the payment service provider's exchange account is sold to the cryptocurrency exchange to obtain the sales amount. It may include a payment service provider system that withdraws money to the operator's payment account and transmits the settlement price of the corresponding payment to the merchant's account.
  • the payment service provider system provides virtual currency exchange server Payment information, including payment and merchant information, is obtained from the customer terminal through the currency payment API, and the payment is made from the customer's exchange account registered in advance to the exchange account of the payment operator through simple payment using the authentication information provided by the customer in advance.
  • An API-linked server that transfers virtual currency corresponding to the payment and sells the virtual currency corresponding to the payment amount transferred to the exchange account of the payment service provider to the virtual currency exchange; and a payment server for withdrawing the sale amount to the business operator's payment account and transferring the settlement price of the payment to the merchant's account when the sale transaction is concluded at the virtual currency exchange and the sale amount is deposited into the exchange account of the payment service provider.
  • the virtual currency payment method capable of avoiding price fluctuation risk according to an aspect of the present invention for achieving the above technical problem, after a customer (user) purchases a product or service through online commerce, a user interface (UI) displayed on the customer terminal ), if the payment is selected through a click or touch, scraping, by the scraping server, payment information including payment and member store information from the customer terminal; Transferring, by the scraping server, virtual currency corresponding to the payment amount from a pre-registered customer's exchange account to a payment provider's exchange account through simple payment using authentication information provided by the customer in advance; Step of the scraping server placing an order to sell the virtual currency corresponding to the payment transferred to the exchange account of the payment service provider to the virtual currency exchange; and when the sale transaction is concluded at the virtual currency exchange and the sale amount is deposited into the exchange account of the payment provider, the payment server withdraws the sale amount to the operator's payment account, and transmits the settlement price of the payment to the merchant's account. can do.
  • UI user interface
  • a virtual currency payment method capable of avoiding price fluctuation risk is a user interface (UI) displayed on the customer terminal after a customer (user) purchases a product or service through online commerce ), if the payment is selected through a click or touch, generating payment information including payment and affiliated store information from the customer terminal through a virtual currency payment API; Transferring virtual currency corresponding to the payment amount from the customer's exchange account registered in advance to the exchange account of the payment provider through simple payment using authentication information provided by the customer in advance through the virtual currency payment API; placing an order to sell the virtual currency corresponding to the payment transferred to the exchange account of the payment provider to the virtual currency exchange through the virtual currency payment API; and when the sale transaction is concluded at the virtual currency exchange and the sale amount is deposited into the exchange account of the payment provider, the payment server withdraws the sale amount to the operator's payment account, and transmits the settlement price of the payment to the merchant's account.
  • UI user interface
  • the virtual currency payment system and method capable of avoiding price fluctuation risk it is possible to save transfer fees by processing payment through virtual currency transfer between exchange accounts without going through a virtual currency electronic wallet.
  • the settlement period can be shortened by simplifying the payment process.
  • FIG. 1 shows a virtual currency payment process in a general virtual currency payment system.
  • FIG. 2 is a block diagram showing the configuration of a virtual currency payment system capable of avoiding price fluctuation risk according to an embodiment of the present invention.
  • FIG. 3 is a block diagram showing the configuration and payment process in which the payment service provider system is subdivided into an API-linked server, a scraping server, and a payment server in a virtual currency payment system capable of avoiding price fluctuation risk according to an embodiment of the present invention.
  • FIG. 4 shows in detail a payment process between a virtual currency exchange server and a payment service provider system during an online transaction between a customer terminal and a shopping mall/merch store in a virtual currency payment system capable of avoiding price fluctuation risk according to an embodiment of the present invention.
  • Figure 5a is a flow chart showing a virtual currency payment method capable of avoiding price fluctuation risk according to the first embodiment (API interlocking) of the present invention.
  • 5B is a flowchart illustrating a virtual currency payment method capable of avoiding price fluctuation risk according to the second embodiment (scraping bot) of the present invention.
  • FIG. 6 shows a payment process centered on a processor subject in a virtual currency payment method capable of avoiding price fluctuation risk according to an embodiment of the present invention.
  • FIG. 7 shows a virtual currency payment method capable of avoiding price fluctuation risk according to an embodiment of the present invention as a virtual currency payment process.
  • FIG. 8 illustrates a virtual currency payment process in a UI screen of a customer terminal 210 and a payment service provider system 220 for a virtual currency payment system and method capable of avoiding price fluctuation risk according to embodiments of the present invention.
  • a virtual currency payment system capable of avoiding price fluctuation risk includes a customer terminal 210 and a payment service provider system 220 .
  • the customer terminal 210 When a customer (user) purchases goods or services from a shopping mall or affiliated store 240, the customer terminal 210 has an app or web installed for payment using virtual currency, and online through the app or web. Accesses the shopping mall/affiliate store 240 and pays for purchased goods or services.
  • the payment service provider system 220 When the customer (user) purchases a product or service and selects payment through a user interface (UI) displayed on the customer terminal 210 through a click or touch, the payment service provider system 220 performs API or scraping. transfer the virtual currency corresponding to the payment amount from the customer's exchange account to the exchange account of the payment service provider, and sell the virtual currency corresponding to the payment amount transferred to the payment service provider's exchange account to the cryptocurrency exchange to sell the amount It settles the payment amount and transfers the payment amount to the merchant's account.
  • the payment service provider system 220 may include a payment server 222 and an API connection server 224 as an embodiment of the present invention.
  • the payment service provider system 220 may include a payment server 222 and a scraping server 226 as another embodiment of the present invention.
  • FIG. 3 is a configuration in which the payment service provider system 220 is subdivided into a payment server 222 and an API link server 224 or a scraping server 226 in a virtual currency payment system capable of avoiding price change risk according to an embodiment of the present invention, and The payment process is shown in a block diagram.
  • the present invention may perform virtual currency payment through two embodiments, that is, through an API provided by a virtual currency exchange server, or through a virtual currency payment using a scraping bot.
  • the API connection server 224 clicks payment through the user interface (UI) displayed on the customer terminal 210 after the customer (user) purchases a product or service. If selected through touch, obtain payment information including payment and merchant information from the customer terminal 210 through the virtual currency payment API provided by the virtual currency exchange server 230, and use the authentication information provided in advance by the customer to conveniently Transfer the virtual currency corresponding to the payment amount from the customer's exchange account registered in advance through payment to the exchange account of the payment provider, and sell the virtual currency corresponding to the payment amount transferred to the payment provider's exchange account to the cryptocurrency exchange order
  • the scraping server 226 clicks or touches payment through a user interface (UI) displayed on the customer terminal 210 after the customer (user) purchases a product or service. If selected through, scraping payment information including payment and merchant information from the customer terminal 210, and simple payment using the authentication information provided by the customer in advance, from the customer's exchange account registered in advance to the exchange account of the payment operator The virtual currency corresponding to the payment amount is transferred, and the virtual currency corresponding to the payment amount transferred to the exchange account of the payment service provider is ordered to sell to the virtual currency exchange.
  • UI user interface
  • the payment server 222 withdraws the sale amount to the operator's payment account, and transfers the settlement amount to the merchant's account. send.
  • FIG. 4 shows in detail a payment process between a virtual currency exchange server and a payment service provider system during an online transaction between a customer terminal and a shopping mall/merch store in a virtual currency payment system capable of avoiding price fluctuation risk according to an embodiment of the present invention.
  • the customer terminal 210 connects to the shopping mall/merchant 240 online through an installed app or web and purchases Pay for goods or services.
  • the API connection server according to the first embodiment of the present invention (224) obtains payment information including payment and merchant information from the customer terminal 210 through the payment API, and transfers from the customer's exchange account 410 registered in advance through simple payment to the exchange account 420 of the payment operator.
  • the virtual currency transfer 425 corresponding to the payment amount is performed.
  • the API connection server 224 performs a virtual currency sale 430 through a sell order to the virtual currency exchange 230 for the virtual currency corresponding to the payment amount transferred to the exchange account 420 of the payment provider.
  • the payment server 222 performs a real money payment 435 . That is, when a sale transaction is concluded in the virtual currency exchange server 230 and the sale amount is transferred to the exchange account of the payment operator, the payment server 222 settles the sale amount and the payment amount, and transfers the payment amount to the shopping mall/affiliate store 240. send to
  • the scraping server 226 when payment is selected through a click or touch through the user interface (UI) displayed on the customer terminal 210, the scraping server 226 according to the second embodiment of the present invention ) Scraps payment information including payment and merchant information from the customer terminal 210, and through simple payment, from the customer's exchange account 410 registered in advance to the exchange account 420 of the payment operator corresponding to the payment Perform virtual currency transfer (425).
  • the scraping server 226 performs the virtual currency selling 430 through a selling order to the virtual currency exchange 230 for the virtual currency corresponding to the payment amount transferred to the exchange account 420 of the payment service provider.
  • the payment server 222 performs a real money payment 435 .
  • the payment server 222 settles the sale amount and the payment amount, and transfers the payment amount to the shopping mall/affiliate store 240. send to
  • Figure 5a is a flow chart showing a virtual currency payment method capable of avoiding price fluctuation risk according to the first embodiment of the present invention.
  • 5B is a flowchart illustrating a virtual currency payment method capable of avoiding price fluctuation risk according to a second embodiment of the present invention.
  • 6 illustrates a payment process centering on a processor subject in a virtual currency payment method capable of avoiding price fluctuation risk according to embodiments of the present invention.
  • FIGS. 1 to 6 a virtual currency payment method capable of avoiding price fluctuation risk according to embodiments of the present invention will be described.
  • step S510 when a customer (user) purchases a product or service through online commerce (step S510), payment is selected through a click or touch through the user interface (UI) displayed on the customer terminal 210 (S520).
  • UI user interface
  • step S520 For example, if you purchase a product and want to pay with virtual currency 0.1 bit coin (BTC), the customer terminal 210 requests a virtual currency transfer through simple authentication.
  • BTC virtual currency 0.1 bit coin
  • the API connection server 224 when payment is selected through the UI of the customer terminal 210, the API connection server 224 obtains payment information including the payment and affiliated store information from the customer terminal 210 through the transfer API (Step S530a)
  • step S530a in the second embodiment of the present invention, when payment is selected through the UI of the customer terminal 210, the scraping server 226 scrapes payment information including the payment and affiliated store information from the customer terminal 210 It can be replaced with (step S530b).
  • the API connection server 224 according to the first embodiment or the scraping server 226 according to the second embodiment uses the authentication information provided by the customer in advance to make a simple payment to the customer's exchange account ( 410) transfers the virtual currency corresponding to the payment amount to the exchange account 420 of the payment operator.
  • Step S540 For example, the virtual currency of 0.1 BTC of the product purchase amount is paid from the customer's exchange account 410. It is transferred to the operator's exchange account 420.
  • the API-linked server 224 or scraping server 226 converts virtual currency corresponding to the payment amount transferred to the payment provider's exchange account 420.
  • a sell order is placed on the currency exchange server 430 (step S550). For example, the virtual currency 0.1 in the virtual currency exchange server 230 at the same time as the transfer from the customer's exchange account 410 to the payment operator's exchange account 420. If BTC is sold for 1 million won, it is sold without commission, and the risk of selling can be minimized.
  • the payment server 222 stores the sale amount and the payment amount. After settlement, the payment amount is transmitted to the shopping mall/affiliate store 430 (step S560). For example, if the merchant fee is 30,000 won, 970,000 won is transmitted to the shopping mall/affiliate store 430 after settlement.
  • FIG. 7 illustrates a virtual currency payment method capable of avoiding price fluctuation risk according to embodiments of the present invention as a virtual currency payment process.
  • a customer exchange account is pre-registered in a payment service provider system.
  • the virtual currency in the customer exchange account 710 is transferred to the payment provider exchange account 720.
  • a series of processes of transferring the virtual currency in the customer exchange account 710 to the payment provider exchange account 720 can be performed through the transfer API 750 or the scraping bot 750 of the payment provider system. That is, the transfer API (750) or the scraping bot (750) select transfer (751), input quantity (752), input address (753), confirm transfer (754), simple authentication (755), and complete transfer (756). This is done automatically without customer intervention.
  • the payment service provider system sells the virtual currency of the customer transferred to the exchange to the exchange. At this time, the settlement and the exchange sale proceed simultaneously. This eliminates the selling risk.
  • 0.1 BTC is sold for 1 million won, and then the sale amount of 1 million won is transferred to the merchant account 730.
  • the settlement period can be shortened by simplifying the payment process.
  • the UI screen in the customer terminal 210 may include a virtual currency transfer UI screen 810 for virtual currency transfer and a virtual currency payment completion UI screen 820 .
  • the virtual currency transfer UI screen 810 may display the amount of virtual currency, payment product, and payment amount in the customer's exchange account, and display the virtual currency payment amount after purchasing a product or service and the virtual currency balance after payment. .
  • the virtual currency payment completion UI screen 820 may display a message indicating that payment has been completed, a payment product, a payment amount, a virtual currency payment amount, and a virtual currency balance after payment. And, in the virtual currency payment process shown between the virtual currency transfer UI screen 810 and the virtual currency payment completion UI screen 820, the virtual currency is transferred from the user exchange account to the payment provider exchange account in the virtual currency exchange server 230 , At the same time, it indicates that transfer quantity input, send address history, simple authentication, and automatic selling are performed in the API connection server 224 or scraping server 226 for virtual currency transfer.
  • the virtual currency transaction server 230 When the virtual currency sale is completed after the transfer is made in the virtual currency transaction server 230, the sale amount is withdrawn from the payment provider exchange account, and the payment server 222 remits the money from the payment provider payment account to the shopping mall / merchant settlement account Settle cryptocurrency payments.
  • the present invention can be used for virtual currency payment, such as paying for goods/services using virtual currency in a virtual currency payment system when a customer (consumer) pays with virtual currency after purchasing a product.

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Abstract

La présente invention concerne un système et un procédé de règlement en monnaie virtuelle qui permettent d'éviter le risque de fluctuation des prix, et le système de règlement en monnaie virtuelle permettant d'éviter le risque de fluctuation des prix comprend : un terminal de consommateur ayant une application ou un site Web installé(e) pour régler un prix en utilisant une monnaie virtuelle si un consommateur (utilisateur) achète un produit ou un service dans un centre commercial ou un magasin franchisé ; et un système de passerelle de règlement, qui transfère la monnaie virtuelle correspondant à un montant de règlement monétaire d'un compte d'échange du consommateur à un compte d'échange d'une passerelle de règlement en utilisant une interface de programmation d'application (API) ou un moissonnage, si le consommateur (utilisateur) sélectionne le règlement du prix au moyen d'un clic ou d'un toucher par le biais d'une interface utilisateur (UI) affichée sur le terminal de consommateur après avoir acheté le produit ou le service, équilibre un montant de vente monétaire et le montant de règlement monétaire en vendant, à un change de monnaie virtuelle, la monnaie virtuelle correspondant au montant de règlement monétaire, qui est transféré au compte d'échange de la passerelle de règlement, et envoie le montant de règlement monétaire à un serveur de magasin franchisé. Selon la présente invention, la commission de transfert peut être économisée en traitant un règlement par le biais d'un transfert de monnaie virtuelle entre des comptes d'échange sans passer par un portefeuille électronique, un risque de fluctuation des prix dans le change de monnaie virtuelle peut être supprimé en effectuant un règlement de consommateur et un change à un change presque en même temps, et le temps requis pour l'équilibrage peut être réduit en simplifiant un processus de règlement.
PCT/KR2022/010851 2021-07-23 2022-07-25 Système et procédé de règlement en monnaie virtuelle qui permettent d'éviter le risque de fluctuation des prix WO2023003445A1 (fr)

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