KR20180104990A - Unified administration system, domestic administration system and method for unified administration of virtual money - Google Patents

Abstract

The integrated management system according to an embodiment of the present invention manages the virtual currency when a customer makes a purchasing activity with a seller affiliated with the second station management system using virtual money issued or managed in the first station management system The integrated management system includes a code generation unit that receives a code generation request for use in settlement of purchase from a customer terminal and transmits a code generation request to the second station management system, A settlement processor for receiving a request for payment confirmation from the first station management system, and a settlement processor for receiving a settlement request from the second station management system and transmitting a settlement request to the first station management system do.

Description

TECHNICAL FIELD [0001] The present invention relates to an integrated management system using a virtual currency, a domestic management system, and an integrated management method using the virtual currency,

The present invention relates to an integrated management system using virtual money, a domestic management system, and an integrated management method.

The network type electronic money which can distinguish the information form by the computer distinguished from the conventional real money concept is called virtual money. These virtual currencies are valued according to the rules set by the inventor, and they can be used for trading goods and exchanging money, and then exchanging them for real money.

Such virtual money is generated by a specific person who has purchased a commodity such as a bit coin and an article or service, which is implemented in a distributed network system, and then a seller or a provider who provides a payment means, It includes points or mileage to be accumulated as a reward at a certain rate of purchase amount.

Such a virtual currency may not be used because a user who is unfamiliar with his / her use can not find a suitable object or method to use his or her virtual currency. In the case of points, the expiration date may have expired and may have disappeared. In addition, the points can be used only when dealing with the business that earned the points, so that the points may not be used smoothly.

In the past, the operation and utilization of the financial system has been performed only within the relevant country. However, as a global financial environment has been created, financial transactions are smoothly performed in different countries. Now, however, virtual money is only available in certain countries to which the user belongs, limiting the use of cash, which is worth using. Therefore, there is a need for an integrated management system that can freely exchange and use foreign points earned in Korea and overseas points accumulated in Korea by linking the virtual currency systems of respective countries. Further, all virtual money including points can freely be exchanged internationally The system needs to be supported.

The technical problem to be solved by the present invention is to support the domestic virtual currency generated in Korea and the virtual currency generated in foreign countries to be freely used and freely used. In particular, it is possible to conveniently settle the virtual currency held by the customer in another country, To provide a system that supports the Internet.

The integrated management system according to an embodiment of the present invention manages the virtual currency when a customer makes a purchasing activity with a seller affiliated with the second station management system using virtual money issued or managed in the first station management system The integrated management system includes a code generation unit for receiving a code generation request for use in settlement of purchase from a customer terminal and transmitting a code generation request to the second station management system, A settlement processor for receiving and confirming settlement from the first station management system and confirming settlement; and a settlement processor for receiving a settlement request from the second station management system and transmitting a settlement request to the first station management system.

And a member management unit for processing a member registration and a login request for the customer, wherein the code generation request can be performed after login is completed.

The settlement processing unit may complete the ledger after the payment approval is completed, and may transmit the ledger indication to the first station management system and the second station management system.

The code may comprise a one-dimensional code or a two-dimensional code.

The code may include an area including at least one of information on the seller, the first station management system information, and the second station management system information.

The code may include a one time password (OTP) which is arbitrarily set according to the time the customer intends to use.

The code may include a check digit, which is a special code value that authenticates the legitimacy of the transaction.

The payment validity check may include an inquiry about the balance of the virtual currency held by the customer terminal or the restriction on the transaction of the virtual currency.

The first station management system may settle the amount of money to be paid to the second station management system using real money.

The virtual currency may be a currency that is generated according to a rule set by a specific person and recognized by the integrated management system, and a currency that the seller or a provider providing the payment means receives from the customer a purchase of the goods or services, You can include points or miles to earn in percentage.

The domestic management system according to another embodiment of the present invention is a system in which when a customer makes a purchasing activity with a seller affiliated with a virtual currency issued or managed by a management system of another country, A settlement processor for receiving and approving a payment approval request from the seller terminal presented with the code from the customer terminal, and a settlement processor for receiving the settlement approval request from the merchant terminal, And a settlement processor for transmitting a settlement request based on the settlement request.

The settlement processing unit may settle the settlement using real money from the management system of the other country.

The settlement processing unit may perform the general ledger according to the payment approval content.

The code may comprise a one-dimensional code or a two-dimensional code.

The settlement processing unit may perform the settlement approval by receiving payment validity confirmation for the virtual currency held by the customer terminal from the first station management system through the integrated management system.

The virtual currency may be a currency that is generated according to a rule set by a specific person and recognized by the integrated management system, and a currency that the seller or a provider providing the payment means receives from the customer a purchase of the goods or services, You can include points or miles to earn in percentage.

A method for managing an integrated virtual currency according to another embodiment of the present invention is characterized in that an integrated management system for managing a virtual currency comprises a seller who is affiliated with the second station management system using a virtual currency issued or managed by the first station management system A method of managing a purchase activity, the method comprising: receiving a code generation request for use in settlement of purchase from a customer terminal; transmitting a code generation request to a second station management system; Receiving a request for a payment approval from the second station management system for a purchase activity of the customer terminal and the seller using the code, transmitting the code to the customer terminal using the code, Transmitting a settlement approval to the second station management system; Receiving a settlement request, and transmitting a settlement request to the first station management system.

And requesting the first station management system to confirm payment validity of the virtual currency held by the customer terminal after receiving the payment approval request from the second station management system.

Processing the ledger for the payment approval after the step of transmitting the payment approval, and transmitting the ledger indication to the first management system and the second management system.

The method may further include receiving and processing a login request of the customer terminal before receiving the code generation request.

The virtual currency may be a currency that is generated according to a rule set by a specific person and recognized by the integrated management system, and a currency that the seller or a provider providing the payment means receives from the customer a purchase of the goods or services, You can include points or miles to earn in percentage.

According to the present invention, it is possible to freely use the virtual money generated by different operators in different countries, and to support the settlement procedure between the respective operators, and to operate a virtual money system suitable for the international environment And it is possible to increase the convenience of customers for using virtual money.

1 is a block diagram of an environment in which an integrated management system operates in accordance with one embodiment of the present invention.
2 is a block diagram of an integrated management system in accordance with an embodiment of the present invention.
3 is a block diagram of a domestic management system in accordance with an embodiment of the present invention.
4 is a flowchart of a virtual money management method according to an embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art can easily carry out the present invention. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. In order to clearly illustrate the present invention, parts not related to the description are omitted, and similar parts are denoted by like reference characters throughout the specification.

Throughout the specification, when an element is referred to as "comprising ", it means that it can include other elements as well, without excluding other elements unless specifically stated otherwise. Also, the terms " part, "" module," and " module ", etc. in the specification mean a unit for processing at least one function or operation and may be implemented by hardware or software or a combination of hardware and software have.

An integrated management system and an integrated management method according to an embodiment of the present invention will be described in detail with reference to the drawings.

1 is a block diagram of an environment in which an integrated management system operates in accordance with one embodiment of the present invention.

Referring to FIG. 1, the integrated management system 100 is a server that integrally manages use and settlement of a plurality of virtual currencies issued in each of a plurality of countries in a plurality of different countries. The integrated management system 100 communicates with the domestic management system 200 of each country and performs the management of the account for the settlement approval and the settlement processing among the respective countries. To this end, the integrated management system 100 may provide a user interface for performing inquiry, exchange, use, and settlement of virtual money.

The domestic management system 200 establishes a contract with the seller 300 existing in the corresponding country in each of a plurality of countries and performs a payment approval process for the purchase activity between the seller terminal 300 and the customer terminal 400, And is a server that processes settlement between the domestic management system 200 of another country and the settlement through settlement through the management system 100. The domestic management system 200 includes a first station management system 201, a second station management system 202 and a third station management system 203 that manage different first stations, second stations and third stations, .

The seller terminal 300 exists in a country managed by the domestic management system 200 and is a terminal used by a person who provides goods or services to a customer. The seller terminal 300 makes a contract with the domestic management system 200 to provide a product or service to the customer with the virtual money as the payment amount and confirms the purchase payment settlement and settlement for the virtual money from the domestic management system 200 It is processed. The seller terminal 300 includes, for example, a bank 301 for providing financial services, a coupon agency 302 for issuing and selling a coupon as a kind of virtual money, and an offline or online merchant 303 for selling a product to a customer, And the like.

At this time, the virtual money is money generated in each country and implemented in a network manner, and includes money that is generated in accordance with a rule set by a specific person and accepted from the integrated management system 100 or the domestic management system 200. In addition, the virtual money includes a point or mileage that a seller or a provider providing a payment means accumulates a purchase amount of a purchase amount as a compensation for a purchasing activity to a purchaser who purchased the goods or services. At this time, points or miles may not only be accumulated as a result of purchasing activities, but may also be purchased and held by the customer as needed.

The customer terminal 400 accesses a web page provided by the integrated management system 100 or the domestic management system 200 via a network or the seller terminal 300 Communication device. The customer terminal 400 may be any of a variety of communication devices such as, for example, various computers including a tab and a notebook, a personal digital assistant (PDA), a mobile communication terminal including a smart phone, and a television Can be used.

The integrated management system will now be described in detail with reference to FIG.

2 is a block diagram of an integrated management system in accordance with an embodiment of the present invention.

2, the integrated management system 100 includes a member management unit 110, a code generation unit 120, a payment processing unit 130, and a settlement processing unit 140. [

In the following description, it is assumed that the customer terminal 400 having the virtual currency managed by the first-station management system 201 receives the merchandise from the second station contracted with the second-station management system 202 for the second- As an example.

The member management unit 110 registers and manages information on the domestic management system 200 and the customer terminal 400. The member management unit 110 receives a membership application and a login request from the customer terminal 400, performs a user authentication process for the customer, and performs login processing. At this time, the integrated management system 100 may provide the customer terminal 400 with information on the goods or services that the seller intends to sell.

The code generating unit 120 receives a request for generating a dedicated code for purchasing and payment from the customer terminal 400 and transmits the generated code to the second station management system 202 ). ≪ / RTI > The code includes a one-dimensional code including a barcode and a two-dimensional code including a QR code.

The settlement processing unit 130 receives the settlement approval request from the second station management system 202 and inquires the first station management system 201 about the balance of the virtual currency for the customer and whether or not the settlement is possible, To the second station management system (202). That is, the settlement processing unit 130 inquires about the purchase condition of the customer terminal 400 through the first station management system 201 or can perform the validity check on the virtual currency held by the customer terminal 400. [

In addition, the settlement processing unit 130 processes the badge length after the settlement approval is completed, and transmits the badge badge directive to the related domestic management systems 200. [ For example, if the customer terminal 400 purchases a merchandise or a service of a seller of the second station and payment approval is completed, the settlement processing unit 130 may notify the first station management system 201 and the second station management system 202 ) To the director general.

When the settlement processing unit 140 receives the settlement request from the domestic management system 202 of the second country, the settlement processing unit 140 transmits a settlement request to the domestic management system 201 of the first country according to the length of the ledger. The settlement may then be treated as cash, which is the common real currency, or the designated currency generated by the integrated management system.

The domestic management system 200 will now be described in detail with reference to FIG.

3 is a block diagram of a domestic management system in accordance with an embodiment of the present invention.

3, the domestic management system 200 includes a code generation unit 210, a payment processing unit 220, and a settlement processing unit 230.

The code generation unit 210 receives a code generation request used for the purchase of the customer terminal 400 from the integrated management system 100, generates a code, and transmits the generated code to the integrated management system 100. In this case, the code includes information for purchasing activities between the seller and the customer, and may specifically include the first region, the second region, and the third region. The first area may include seller information such as an affiliate shop or the like to be used by the customer as a prefix, domestic management system information for managing the seller, and domestic management system information for which the customer first joined. The second area is composed of a random number and a time code, and includes a one time password (OTP) depending on the time the customer is going to use the user. The third area is a special code value that includes a check digit and authenticates that the transaction is legitimate.

The settlement processing unit 220 may be configured such that when the customer terminal 400 having the virtual currency managed by the domestic management system 200 of another country performs a purchase activity with the seller terminal 300 affiliated with the virtual terminal, Receive payment approval request and process payment approval. At this time, the payment processing unit 220 may inquire of the integrated management system 100 whether the balance of the virtual money is available to the customer and whether or not the payment can be made, and then may perform payment approval after the validity check is completed. The settlement processing unit 220 manages the ledger by performing the ledger in accordance with the instruction of the integrated management system 100 after the payment is approved.

The settlement processing unit 230 receives the settlement request for the settlement amount from the seller terminal 300, and performs the settlement processing by sending the settlement amount to the account of the seller terminal 300. [ In addition, the settlement processing unit 230 transmits a settlement request for the settlement amount according to the settlement approval contents to the integrated management system 100 according to the contents of the ledger managed by the settlement processing unit 220. [ And receives payment from the domestic management system 200 of another country. The settlement may be made in real or nominal currency.

Now, a virtual money management method according to another embodiment of the present invention will be described in detail.

4 is a flowchart of a virtual money management method according to an embodiment of the present invention.

4, the customer terminal 400, which is managed by the first station management system 201 in the first station, acquires the goods or services of the seller affiliated with the second station management system 202 in the second station An example of the case will be described. In other words, when the customer issues the virtual currency managed by the first station management system 201 or issued by the first station management system 201, .

4, the customer terminal 400 accesses the integrated management system 100 through a web page or an application provided by the integrated management system 100 for purchase and performs a login request (S410). At this time, the customer terminal 400 is subjected to membership registration processing to the integrated management system 100. [

The integrated management system 100 performs a process such as user authentication according to a login request of the customer terminal 400, performs a login process, and transmits login process completion information to the customer terminal 400 (S411)

Then, the customer terminal 400 transmits a code generation request to the integrated management system 100 to settle the seller (S420). The integrated management system 100 transmits a code generation request to the second station management system 202 that manages the seller (S421).

Then, the second station management system 202 generates a code for the purchase operation with the customer terminal 400 and the seller (S422). The second station management system 202 transmits the generated code to the integrated management system 100 in step S423 and the integrated management system 100 transmits the received code to the customer terminal 400 in step S424.

Then, the customer terminal 400 displays the received code on the display unit, and the customer presents the code to the seller terminal 300 to settle the purchase of the goods or services (S430). At this time, the seller terminal 300 receives the code information by an operation of scanning the code displayed on the customer terminal 400 or the like.

Then, the seller terminal 300 transmits a payment approval request to the second station management system 202 (S440). Then, the second station management system 202 transmits a payment approval request to the integrated management system 100 (S441).

The integrated management system 100 transmits a payment condition confirmation inquiry for the virtual currency held by the corresponding customer terminal 400 to the first station management system 201 (S442). That is, whether the balance of the virtual currency held by the customer terminal 400 is greater than the settlement amount or whether or not the virtual currency can be used for settlement can be inquired by the integrated management system 100. The first station management system 201 sends an answer to the inquiry to the integrated management system 100 (S443).

If there is no problem in the settlement of the answer result of the first station management system 201, the integrated management system 100 transmits a settlement approval to the second station management system 202 (S444). Then, the second station management system 202 transmits a payment approval to the seller terminal 300 (S445).

Then, the seller terminal 300 processes the settlement and completes the purchase (S450).

In step S460, the integrated management system 100 sends the payment details to the first and second station management systems 201 and 202 in steps S461 and S462. Then, the first and second station management systems 201 and 202 respectively process the badge length (S463, S464).

Then, the seller terminal 300 transmits a settlement request for settlement approval to the second station management system 202 (S470). Then, the second station management system 202 performs settlement to the seller (S471). The settlement of the second station management system 202 for the seller can be done periodically.

The second station management system 202 transmits a settlement request to the integrated management system 100 (S472). Subsequently, the integrated management system 100 transmits a settlement request to the first station management system 201 (S473).

Then, the first station management system 201 subtracts the virtual currency held by the customer terminal 400, and can exchange the real currency used by the second station management system 202 or the predetermined real currency for settlement (S474). Then, the first station management system 201 performs settlement processing by sending the corresponding settlement amount to the second station management system 202 (S475).

Meanwhile, in one embodiment of the present invention, the exchange processing and the amount transmission can be performed directly by the first station management system 201 or through the associated financial institution, and the second station management system 202 also receives the direct amount Or through an associated financial institution.

As described above, the virtual currency issued or managed by the first station management system 201 can be freely used by the customer in the second country, which is another country, and can operate a virtual currency system suited to the international environment. The convenience of the customer can be increased.

The integrated management system 100 manages the settlement procedure between the first station management system 201 and the second station management system 202. The first station management system 201 and the second station management system 202 ), All of which are recorded and managed, can be applied to secure and clear settlement procedures.

Also, it is possible to secure transparency in foreign exchange transactions performed in the system managed by the integrated management system 100, and to increase foreign exchange revenues in international transactions in accordance with swap transaction activation.

The embodiments of the present invention described above are not implemented only by the apparatus and method, but may be implemented through a program for realizing the function corresponding to the configuration of the embodiment of the present invention or a recording medium on which the program is recorded. Such a recording medium can be executed not only on a server but also on a user terminal.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, It belongs to the scope of right.

Claims (21)

An integrated management system for managing the virtual currency when a customer makes a purchasing activity with a seller affiliated with a second station management system using a virtual currency issued or managed by the first station management system,
A code generation unit for receiving a code generation request for use in settlement of purchase from a customer terminal and transmitting a code generation request to the second station management system,
A settlement processor for receiving a settlement approval request from the second station management system and accepting payment validity confirmation from the first station management system,
A settlement processor for receiving a settlement request from the second station management system and transmitting a settlement request to the first station management system,
And an integrated management system. The method of claim 1,
A member management unit for processing member registration and a login request for the customer
Further comprising:
The code generation request is made after the login is completed
Integrated management system. The method of claim 1,
The settlement processing unit,
After completing the payment approval, completes the badge length and sends the badge badge instruction to the first station management system and the second station management system
Integrated management system. The method of claim 1,
The code may include a one-dimensional code or a two-
Integrated management system. The method of claim 1,
The code includes:
The first station management system information, the second station management system information, the second station management system information, the second station management system information, the second station management system information,
Integrated management system. The method of claim 1,
The code includes:
A one-time password (OTP) which is arbitrarily determined according to the time the customer intends to use
Integrated management system. The method of claim 1,
The code
Which includes a check digit, a special code value that authenticates the legitimacy of the transaction
Integrated management system. The method of claim 1,
The payment validity check
And inquiring about a limit of a virtual currency or a transaction limit of a virtual currency held by the customer terminal. The method of claim 1,
And the first station management system sets the settlement amount to the second station management system in real money
Integrated management system. The method of claim 1,
The virtual currency,
A currency generated according to a rule set by a specific person and recognized from the integrated management system, and
A point or mileage that a seller or a provider providing a payment means accumulates a certain percentage of the purchase amount as compensation for the purchase activity to the customer who purchased the goods or services
And an integrated management system. When a customer makes a purchasing activity with a seller affiliated with a virtual currency issued or managed by a management system of another country, the integrated management system generates a code to be issued to the customer terminal according to a request, and transmits the code to the integrated management system A code-
A payment processor for receiving and approving a payment approval request from the seller terminal presenting the code to the customer terminal, and
A settlement processing unit for transmitting a settlement request according to the settlement approval to the integrated management system,
A domestic management system including. 12. The method of claim 11,
The settlement processing unit,
If the payment is made using real money from the management system of another country
Domestic management system. 12. The method of claim 11,
The settlement processing unit,
And executes the ledger according to the payment approval contents
Domestic management system. 12. The method of claim 11,
The code may include a one-dimensional code or a two-
Domestic management system. 12. The method of claim 11,
The settlement processing unit,
And the settlement approval is performed for the virtual currency held by the customer terminal from the first station management system through the integrated management system
Domestic management system. 12. The method of claim 11,
The virtual currency,
A currency generated according to a rule set by a specific person and recognized from the integrated management system, and
A point or mileage that a seller or a provider providing a payment means accumulates a certain percentage of the purchase amount as compensation for the purchase activity to the customer who purchased the goods or services
A domestic management system A method for managing purchase activity to be performed with a seller affiliated with a second station management system using a virtual currency issued or managed by the first station management system,
Receiving a code generation request from a customer terminal for use in settlement of the purchase,
Transmitting a code generation request to the second station management system,
Receiving a code from the second station management system,
Transmitting the code to the customer terminal,
Receiving a payment approval request from the second station management system for a purchase activity between the customer terminal and the seller using the code,
Transmitting a payment approval to the second station management system,
Receiving a settlement request from the second station management system, and
Transmitting a settlement request to the first station management system
Gt;. ≪ / RTI > The method of claim 17,
After receiving the payment approval request from the second station management system
Requesting the first station management system to confirm the payment validity of the virtual currency held by the customer terminal
Further comprising: The method of claim 17,
After the step of transmitting the payment approval,
Processing the ledger for the payment approval, and
Transmitting a ruling command to the first management system and the second management system;
Further comprising: The method of claim 17,
Before the step of receiving the code generation request,
Receiving and processing a login request of the customer terminal
Further included an integrated management method. The method of claim 17,
The virtual currency,
A currency generated according to a rule set by a specific person and recognized from the integrated management system, and
And a point or mileage that the seller or the provider providing the payment means accumulates at a certain rate of the purchase amount as compensation for the purchase activity to the customer who purchased the goods or services.

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