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WO2018169123A1 - Integrated management system using virtual currency, domestic management system, and integrated management method - Google Patents

Integrated management system using virtual currency, domestic management system, and integrated management method Download PDF

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Publication number
WO2018169123A1
WO2018169123A1 PCT/KR2017/004270 KR2017004270W WO2018169123A1 WO 2018169123 A1 WO2018169123 A1 WO 2018169123A1 KR 2017004270 W KR2017004270 W KR 2017004270W WO 2018169123 A1 WO2018169123 A1 WO 2018169123A1
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WO
WIPO (PCT)
Prior art keywords
management system
payment
code
integrated management
request
Prior art date
Application number
PCT/KR2017/004270
Other languages
French (fr)
Korean (ko)
Inventor
한준성
김경호
박정운
손민근
김경태
차상도
전윤서
이승우
최현우
김경은
박회진
김미현
여영석
임동근
김인화
하왕현
Original Assignee
주식회사 하나은행
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Filing date
Publication date
Application filed by 주식회사 하나은행 filed Critical 주식회사 하나은행
Publication of WO2018169123A1 publication Critical patent/WO2018169123A1/en

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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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 OR CALCULATING; COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/06009—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code with optically detectable marking
    • G06K19/06037—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code with optically detectable marking multi-dimensional coding
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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 OR CALCULATING; 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 OR CALCULATING; 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
    • G06Q20/3821—Electronic credentials
    • G06Q20/38215—Use of certificates or encrypted proofs of transaction rights
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/3823—Payment protocols; Details thereof insuring higher security of transaction combining multiple encryption tools for a transaction
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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 OR CALCULATING; 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 an integrated management system, a domestic management system and an integrated management method using virtual currency.
  • Network-type electronic money which can be identified by a computer, is distinguished from existing real money concepts and is called virtual money.
  • virtual money can be given value according to the rules set by the subject, and it can be used to trade goods and exchange money, and can also be exchanged for real money.
  • Such a virtual currency may not be used by a user who is unfamiliar with the virtual currency because they do not know or know the virtual currency owned by the user.
  • the expiration date has expired and sometimes disappeared.
  • points may not be used smoothly because the points can only be used when dealing with the operator who earned the points.
  • the technical problem to be achieved in the present invention is to support the free use of the domestic virtual currency generated in Korea and the virtual currency generated overseas, freely paying the virtual currency held by customers in other countries and the settlement process between each operator It is to provide a system that supports it.
  • the integrated management system manages the virtual money when a customer makes a purchase activity with a seller affiliated with the second country management system using the virtual money issued or managed by the first country management system.
  • An integrated management system comprising: a code generation unit for receiving a code generation request for use in payment for a purchase from a customer terminal, and transmitting a code generation request to a second station management system; And a payment processing unit that receives the payment validity confirmation from the first station management system and approves the payment, and a payment processing unit receiving the settlement request from the second station management system and transmitting the settlement request to the first station management system.
  • the apparatus may further include a member manager configured to process a member registration and login request for the customer, and the code generation request may be performed after the login is completed.
  • the payment processing unit may complete the ledger bookkeeping after the payment approval is completed, and transmit a ledger bookkeeping instruction to the first station management system and the two station management system.
  • the code may include a one-dimensional code or a two-dimensional code.
  • the code may include an area including at least one of information about the seller, the first station management system information, and the second station management system information.
  • the code may include a one time password (OTP) that is arbitrarily determined according to a time that the customer intends to use.
  • OTP one time password
  • the code may include a check digit, which is a special code value that authenticates the validity of a transaction.
  • the payment validity confirmation may include an inquiry about the balance of the virtual currency held by the customer terminal or the transaction restriction of the virtual currency.
  • the first station management system may settle the settlement amount in real currency to the second station management system.
  • the virtual currency is a currency generated according to a rule set by a specific person and recognized from the integrated management system, and a schedule of a purchase amount as a reward for purchase activity to a customer who purchases a product or service by a seller or a provider who provides a payment method. It may include points or miles earned at a rate.
  • the domestic management system provides a customer terminal with a request from an integrated management system when a customer uses a virtual currency issued or managed by a management system of another country to purchase with an affiliated seller.
  • a code generation unit for generating a code to be issued and transmitting it to the integrated management system, a payment processing unit receiving and approving a payment approval request from a seller terminal that has presented the code from the customer terminal, and the integrated management system to the payment approval. It includes a settlement processing unit for transmitting the settlement request according.
  • the settlement processing unit may be settled using real money from the management system of the other country.
  • the payment processing unit may perform a ledger book according to the payment approval.
  • the code may include a one-dimensional code or a two-dimensional code.
  • the payment processing unit may receive the payment validity confirmation for the virtual currency held by the customer terminal from the first station management system through the integrated management system to perform the payment approval.
  • the virtual currency is a currency generated according to a rule set by a specific person and recognized from the integrated management system, and a schedule of a purchase amount as a reward for purchase activity to a customer who purchases a product or service by a seller or a provider who provides a payment method. It may include points or miles earned at a rate.
  • a virtual money integrated management method includes an integrated management system for managing virtual money, with a seller affiliated with a second country management system using virtual money issued or managed by the first country management system.
  • a method of managing purchase activities comprising: receiving a code generation request for use in payment for a purchase from a customer terminal, transmitting a code generation request to a second station management system, and from the second station management system Receiving a code, transmitting the code to the customer terminal, receiving a payment approval request from the second station management system for purchase activity between the customer terminal and the seller using the code, Sending a payment authorization to a two-station management system, from the second-station management system Receiving the settlement request, and transmitting the settlement request to the first station management system.
  • After receiving the payment approval request from the second station management system may further comprise the step of requesting the first station management system check the payment validity for the virtual currency held by the customer terminal.
  • the method may further include processing a ledger book for the payment approval, and transmitting a ledger book instruction 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.
  • the virtual currency is a currency generated according to a rule set by a specific person and recognized from the integrated management system, and a schedule of a purchase amount as a reward for purchase activity to a customer who purchases a product or service by a seller or a provider who provides a payment method. It may include points or miles earned at a rate.
  • a user can freely use internationally the virtual currency issued and generated by different operators in different countries, and support a settlement procedure between each operator to operate a virtual currency system suitable for an international environment. It can increase the convenience of customers for the use of virtual currency.
  • FIG. 1 is a block diagram of an environment in which an integrated management system operates according to an embodiment of the present invention.
  • FIG. 2 is a block diagram of an integrated management system according to an embodiment of the present invention.
  • FIG. 3 is a block diagram of a domestic management system according to an embodiment of the present invention.
  • FIG. 4 is a flowchart of a virtual money management method according to an embodiment of the present invention.
  • FIG. 1 is a block diagram of an environment in which an integrated management system operates according to an embodiment of the present invention.
  • the integrated management system 100 is a server that integrates and manages 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 ledger description management and settlement processing between the countries for payment approval details.
  • the integrated management system 100 may provide a user interface for performing inquiry, exchange, use, and payment for virtual currency.
  • the domestic management system 200 enters into a contract with a seller 300 existing in a corresponding country in each of a plurality of countries, performs a payment approval procedure for a purchase activity between the seller terminal 300 and the customer terminal 400, and integrates them.
  • the management system 100 is a server that handles the settlement between countries according to the domestic management system 200 and payment of other countries.
  • 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, second, and third stations, respectively. It includes.
  • the seller terminal 300 exists in a country managed by the domestic management system 200, and is 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 and provides a product or a service to a customer by using virtual money as a payment price, and approves and setstles a purchase price payment for the virtual money from the domestic management system 200. Take care of it.
  • the seller terminal 300 may be, for example, a bank 301 providing a financial service, a coupon agency 302 for issuing and selling a coupon which is a kind of virtual currency, and an offline or online merchant 303 for selling a product to a customer. And the like.
  • the virtual currency is a currency generated in each country and implemented in a network manner, and includes a currency generated according to a rule determined by a specific person and recognized from the integrated management system 100 or the domestic management system 200.
  • virtual currency includes points or miles earned by a seller or a provider who provides a payment method as a reward for a purchase activity to a buyer who purchased a product or service as a percentage of the purchase amount. Points or miles are not only earned as a result of purchasing activities, but may also be retained by customers as needed.
  • the customer terminal 400 accesses a web page provided by the integrated management system 100 or the domestic management system 200 through a network, or has a customer who has virtual currency acquired through various paths, or with a seller terminal 300.
  • the customer terminal 400 may include, for example, various computers including tabs and notebooks, personal digital assistants (PDAs), mobile communication terminals including smartphones, and televisions (televisions, TVs). Can be used.
  • FIG. 2 is a block diagram of an integrated management system according to an embodiment of the present invention.
  • the integrated management system 100 includes a member manager 110, a code generator 120, a payment processor 130, and a settlement processor 140.
  • An example of purchasing a product or service from the following description will be described.
  • the member manager 110 registers and manages information about the domestic management system 200 and the customer terminal 400.
  • the member manager 110 receives a member registration request and a login request from the customer terminal 400 and performs a user authentication process for the customer to log in.
  • the integrated management system 100 may provide the customer terminal 400 with information about a product or service that the seller intends to sell.
  • the code generation unit 120 receives a request for generating a dedicated code for purchase and payment from the customer terminal 400, and manages the second terminal management system 202 for managing the seller terminal 300 to be traded by the customer terminal 400. Send a code generation request to).
  • the code includes a one-dimensional code including a barcode and a two-dimensional code including a QR code.
  • the payment processing unit 130 receives a payment approval request from the second country management system 202 and asks the first country management system 201 to check the balance of the virtual currency for the customer and check whether the payment is possible. And transmits it to the second station management system 202. That is, the payment processing unit 130 may inquire the purchase condition of the customer terminal 400 through the first station management system 201 or perform a validity check on the virtual currency held by the customer terminal 400.
  • the payment processing unit 130 processes the ledger book after the payment approval is completed, and transmits the ledger book instructions to the related domestic management system (200). That is, for example, the payment processing unit 130, the first terminal management system 201 and the second station management system 202 when the customer terminal 400 purchases goods or services of the seller of the second country and the payment is completed. ) Can be directed to the ledger.
  • the settlement processing unit 140 When the settlement processing unit 140 receives the settlement request from the domestic management system 202 of the second station, the settlement processing unit 140 transmits the settlement request to the domestic management system 201 of the first station according to the ledger captain.
  • the settlement may be processed in cash, which is a general currency used in general, or in a designated currency generated by an integrated management system.
  • FIG. 3 is a block diagram of a domestic management system according to an embodiment of the present invention.
  • 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.
  • the code includes information for purchasing activity between the seller and the customer, and specifically, may include a first area, a second area, and a third area.
  • the first area may include seller information such as merchants that the customer intends to use as a prefix, domestic management system information for managing the seller, and domestic management system information for which the customer first subscribed.
  • the second area consists of a random number and a time code and includes a one time password (OTP), depending on the time the customer is trying to user.
  • the third field contains a check digit and is a special code value that certifies that the transaction is legitimate.
  • the payment processing unit 220 when the customer terminal 400 having a virtual currency managed by the domestic management system 200 of another country has made a purchase activity with the seller terminal 300 associated with it, from the seller terminal 300 Receive a payment authorization request and process payment authorization. In this case, the payment processing unit 220 may perform payment approval after the validation is completed by inquiring the integrated management system 100 of checking the balance of the virtual currency for the customer and whether the payment is possible. The payment processing unit 220 manages the ledger by performing the ledger in accordance with the instructions of the integrated management system 100 after payment approval.
  • the settlement processing unit 230 receives a settlement request for the settlement amount from the seller terminal 300, and transfers the settlement amount to the account of the seller terminal 300. In addition, the settlement processing unit 230 transmits a settlement request for the payment amount according to the payment approval to the integrated management system 100 according to the contents of the ledger book managed by the payment processing unit 220. And the settlement is received in such a way that the payment of payment from the domestic management system 200 of another country. In this case, the settlement may be made of real currency or designated currency.
  • FIG. 4 is a flowchart of a virtual money management method according to an embodiment of the present invention.
  • the customer terminal 400 managed by the first station management system 201 in the first station purchases a product or service of a seller who is affiliated with the second station management system 202 in the second station.
  • An example of a case is demonstrated. That is, when the customer has a virtual currency issued by the first country management system 201 or managed by the first country management system 201, the purchase activity with the seller of the second country may be performed using the virtual money. If it is.
  • the customer terminal 400 accesses the integrated management system 100 through a web page or an application provided by the integrated management system 100 and performs a login request for purchase (S410). At this time, the customer terminal 400 is a member 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 and then performs a login process to transmit login processing completion information to the customer terminal 400 (S411).
  • the customer terminal 400 transmits a code generation request to the integrated management system 100 for payment for the seller (S420).
  • the integrated management system 100 transmits a code generation request to the second station management system 202 managing the seller (S421).
  • the second station management system 202 generates a code for purchasing activity with the customer terminal 400 and the corresponding seller (S422).
  • the second station management system 202 transmits the generated code to the integrated management system 100 (S423), and the integrated management system 100 transmits the received code to the customer terminal 400 (S424).
  • the customer terminal 400 displays the received code on the display unit, and the customer presents the code to the seller terminal 300 for payment for the purchase of goods or services.
  • the seller terminal 300 receives the code information through an operation of scanning a code displayed on the customer terminal 400.
  • 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 check inquiry about the virtual currency held by the corresponding customer terminal 400 to the first station management system 201 (S442). That is, the integrated management system 100 may inquire the payment validity of the virtual currency, such as whether the balance of the virtual currency held by the client terminal 400 is greater than the payment amount, or whether the virtual currency is limited for the payment.
  • the first station management system 201 transmits an answer to the payment condition inquiry to the integrated management system 100 (S443).
  • the integrated management system 100 transmits a payment approval to the second station management system 202 when there is no problem in the settlement as a result of the answer of the first station management system 201 (S444). Then, the second station management system 202 transmits the payment approval to the seller terminal 300 (S445).
  • the seller terminal 300 processes the payment and completes the purchase (S450).
  • the integrated management system 100 registers the payment contents according to the payment approval (S460), and transmits the ledger length instruction to the first and second station management systems 201 and 202 (S461 and S462).
  • the first station and second station management systems 201 and 202 then process the ledger badge, respectively (S463 and S464).
  • the seller terminal 300 transmits a settlement request for payment approval to the second station management system 202 (S470).
  • the second station management system 202 then performs the settlement to the seller (S471).
  • the settlement of the second station management system 202 for the seller may be made regularly.
  • 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).
  • the first station management system 201 can subtract the virtual money held by the customer terminal 400 and exchange the real currency or the predetermined real currency used by the second station management system 202 for settlement. (S474). Then, the first station management system 201 processes the settlement by remitting the payment amount to the second station management system 202 (S475).
  • the exchange processing and the transfer of the amount may be directly performed by the first station management system 201 or through an associated financial institution, and the second station management system 202 may also receive the amount directly. Or through a linked financial institution.
  • the virtual currency issued or managed by the first country management system 201 can be freely used by a second country, which is a different country, so that a customer can operate a virtual money system suitable for an international environment. It can increase the convenience of customers.
  • the integrated management system 100 manages the settlement process between the first station management system 201 and the second station management system 202, and the first station management system 201 and the second station management system 202.
  • the adoption of a distributed ledger system, in which all ledgers record and manage ledgers, can support a secure and clear settlement process.
  • the embodiments of the present invention described above are not only implemented through the apparatus and the method, but may be implemented through a program for realizing a function corresponding to the configuration of the embodiments of the present invention or a recording medium on which the program is recorded.
  • a recording medium can be executed not only in the server but also in the user terminal.

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

Abstract

An integrated management system, according to one embodiment of the present invention, is an integrated management system for managing a virtual currency when a customer uses the virtual currency issued or managed by a management system of a first country to perform purchasing activity with a seller partnered with a management system of a second country. The integrated management system comprises: a code generating unit for receiving, from a customer terminal, a code generation request to use for payment for the purchase, and transmitting the code generation request to the management system of the second country; a payment processing unit for receiving a payment authorization request from the management system of the second country, receiving a payment validity confirmation from the management system of the first country, and authorizing payment; and an account settlement unit for receiving an account settlement request from the management system of the second country and transmitting the account settlement request to the management system of the first country.

Description

가상 화폐를 이용한 통합 관리 시스템, 국내 관리 시스템 및 통합 관리 방법Integrated management system, domestic management system and integrated management method using virtual currency
본 발명은 가상 화폐를 이용한 통합 관리 시스템, 국내 관리 시스템 및 통합 관리 방법에 관한 것이다.The present invention relates to an integrated management system, a domestic management system and an integrated management method using virtual currency.
기존의 실물 화폐 개념과 구별되어 컴퓨터에 의하여 정보 형태를 확인할 수 있는 네트워크형 전자 화폐를 가상 화폐라고 한다. 이러한 가상 화폐는 고안한 주체가 정한 규칙에 따라 가치를 부여하고 이를 이용하여 물품 거래 및 화폐 교환이 가능하며, 나아가 실물 화폐와 교환될 수도 있다.Network-type electronic money, which can be identified by a computer, is distinguished from existing real money concepts and is called virtual money. Such virtual money can be given value according to the rules set by the subject, and it can be used to trade goods and exchange money, and can also be exchanged for real money.
이러한 가상 화폐는 특정인이 생성하여 분산 네트워크 방식으로 구현되어 있는 이른바 비트 코인 및 물품이나 서비스와 같은 상품을 구매한 후 판매자 또는 결제 수단을 제공하는 사업자가 상품이나 서비스를 구매한 구매자에게 구매 활동에 대한 보상으로서 구매 금액의 일정 비율로 적립해주는 포인트 또는 마일리지 등을 포함한다.These virtual currencies are created by a specific person and distributed through a network, so-called bitcoins and goods or services such as goods and services, and then the seller or provider who provides the means of payment to the buyer who bought the goods or services Rewards include points or miles earned as a percentage of the purchase price.
이러한 가상 화폐는 사용에 익숙하지 않은 사용자가 자신이 보유한 가상 화폐를 잘 모르거나 알아도 사용할 수 있는 적당한 대상이나 방법을 찾지 못하여 사용하지 못하는 경우가 있다. 포인트의 경우에는 유효 기간이 도과하여 소멸되는 경우도 있었다. 또한 포인트를 적립해준 해당 사업자와의 거래 시에만 포인트를 사용할 수 있어 포인트 사용이 원활하지 못한 경우가 있다. Such a virtual currency may not be used by a user who is unfamiliar with the virtual currency because they do not know or know the virtual currency owned by the user. In the case of points, the expiration date has expired and sometimes disappeared. In addition, points may not be used smoothly because the points can only be used when dealing with the operator who earned the points.
한편, 종래에는 금융 시스템의 운영과 활용이 해당 국가 내에서만 이루어지고 있었으나 글로벌한 금융 환경이 조성됨에 따라 서로 다른 국가에서 금융 거래가 원활하게 이루어지고 있다. 그러나 현재는 가상 화폐에 대하여 사용자가 속한 특정 국가에서만 사용할 수 있어 현금처럼 사용하는 가치가 있는 활용 방법이 제한되고 있다. 따라서 각 국의 가상 화폐 시스템을 연동하여 국내에서 적립한 국내 포인트 및 해외에서 적립한 해외 포인트를 자유롭게 교환하고 사용할 수 있는 통합 관리 시스템이 필요하며, 나아가 포인트를 포함하는 모든 가상 화폐가 자유롭게 국제적으로 거래되는 시스템의 지원이 필요하다.On the other hand, in the past, the operation and utilization of the financial system was made only within the country, but as the global financial environment is created, financial transactions are smoothly performed in different countries. However, at present, virtual currency can only be used in a specific country where the user belongs, which limits the way it can be used. Therefore, there is a need for an integrated management system that can freely exchange and use domestic points earned in Korea and overseas points earned abroad by interworking virtual currency systems of each country.Furthermore, all virtual currencies including points are freely traded internationally. Support is required.
본 발명이 이루고자 하는 기술적 과제는 국내에서 발생한 국내 가상 화폐와 해외에서 생성된 가상 화폐를 교차하여 자유롭게 사용 가능하도록 지원하며, 특히 고객이 보유한 가상 화폐를 다른 국가에서 편리하게 결제하고 각 사업자 간의 정산 절차를 지원하는 시스템을 제공하는 것이다.The technical problem to be achieved in the present invention is to support the free use of the domestic virtual currency generated in Korea and the virtual currency generated overseas, freely paying the virtual currency held by customers in other countries and the settlement process between each operator It is to provide a system that supports it.
본 발명의 한 실시예에 따른 통합 관리 시스템은 고객이 제1국 관리 시스템에서 발행하거나 관리하는 가상 화폐를 사용하여 제2국 관리 시스템과 제휴된 판매자와 구매 활동을 하는 경우 상기 가상 화폐를 관리하는 통합 관리 시스템으로서, 고객 단말로부터 상기 구매에 대한 결제에 사용하기 위한 코드 생성 요청을 수신하고, 제2국 관리 시스템에게 코드 생성 요청을 전송하는 코드 생성부, 제2국 관리 시스템으로부터 결제 승인 요청을 수신하여 제1국 관리 시스템으로부터 결제 유효성 확인을 받아 결제 승인하는 결제 처리부, 그리고 제2국 관리 시스템으로부터 정산 요청을 수신하여 제1국 관리 시스템에게 정산 요청을 전송하는 정산 처리부를 포함한다.The integrated management system according to an embodiment of the present invention manages the virtual money when a customer makes a purchase activity with a seller affiliated with the second country management system using the virtual money issued or managed by the first country management system. An integrated management system, comprising: a code generation unit for receiving a code generation request for use in payment for a purchase from a customer terminal, and transmitting a code generation request to a second station management system; And a payment processing unit that receives the payment validity confirmation from the first station management system and approves the payment, and a payment processing unit receiving the settlement request from the second station management system and transmitting the settlement request to the first station management system.
상기 고객에 대한 회원 등록 및 로그인 요청을 처리하는 회원 관리부를 더 포함하고, 상기 코드 생성 요청은 로그인이 완료된 후에 수행될 수 있다.The apparatus may further include a member manager configured to process a member registration and login request for the customer, and the code generation request may be performed after the login is completed.
상기 결제 처리부는, 결제 승인이 완료된 후에 원장 기장을 완료하고, 상기 제1국 관리 시스템 및 상기 2국 관리 시스템에게 원장 기장 지시를 전송할 수 있다.The payment processing unit may complete the ledger bookkeeping after the payment approval is completed, and transmit a ledger bookkeeping instruction to the first station management system and the two station management system.
상기 코드는 1차원 코드 또는 2차원 코드를 포함할 수 있다.The code may include a one-dimensional code or a two-dimensional code.
상기 코드는, 상기 판매자에 대한 정보, 상기 제1국 관리 시스템 정보 및 상기 제2국 관리 시스템 정보 중 적어도 하나를 포함하는 영역을 포함할 수 있다.The code may include an area including at least one of information about the seller, the first station management system information, and the second station management system information.
상기 코드는, 상기 고객이 이용하려고 하는 시간에 따라 임의로 정해지는 일회용 비밀번호(one time password, OTP)를 포함할 수 있다.The code may include a one time password (OTP) that is arbitrarily determined according to a time that the customer intends to use.
상기 코드는 거래의 정당함을 인증하는 특수 코드값인 검사 숫자(check digit)를 포함할 수 있다.The code may include a check digit, which is a special code value that authenticates the validity of a transaction.
상기 결제 유효성 확인은 상기 고객 단말이 보유하고 있는 가상 화폐의 잔액 또는 가상 화폐의 거래 제한에 대한 문의를 포함할 수 있다.The payment validity confirmation may include an inquiry about the balance of the virtual currency held by the customer terminal or the transaction restriction of the virtual currency.
상기 제1국 관리 시스템은 상기 제2국 관리 시스템에게 정산 금액을 실물화폐로 정산할 수 있다.The first station management system may settle the settlement amount in real currency to the second station management system.
상기 가상 화폐는, 특정인이 정한 규칙에 따라 생성되어 상기 통합 관리 시스템으로부터 인정되는 화폐, 그리고 판매자 또는 결제 수단을 제공하는 사업자가 상품이나 서비스를 구매한 고객에게 구매 활동에 대한 보상으로서 구매 금액의 일정 비율로 적립해주는 포인트 또는 마일리지를 포함할 수 있다.The virtual currency is a currency generated according to a rule set by a specific person and recognized from the integrated management system, and a schedule of a purchase amount as a reward for purchase activity to a customer who purchases a product or service by a seller or a provider who provides a payment method. It may include points or miles earned at a rate.
본 발명의 다른 실시예에 따른 국내 관리 시스템은 고객이 다른 국가의 관리 시스템이 발행하거나 관리하는 가상 화폐를 사용하여 자신과 제휴된 판매자와 구매활동을 하는 경우 통합 관리 시스템으로부터 요청에 따라 고객 단말에게 발행할 코드를 생성하여 상기 통합 관리 시스템에게 전송하는 코드 생성부, 상기 고객 단말에게서 상기 코드를 제시받은 판매자 단말로부터 결제 승인 요청을 수신하여 승인하는 결제 처리부, 그리고 상기 통합 관리 시스템에게 상기 결제 승인에 따른 정산 요청을 전송하는 정산 처리부를 포함한다.The domestic management system according to another embodiment of the present invention provides a customer terminal with a request from an integrated management system when a customer uses a virtual currency issued or managed by a management system of another country to purchase with an affiliated seller. A code generation unit for generating a code to be issued and transmitting it to the integrated management system, a payment processing unit receiving and approving a payment approval request from a seller terminal that has presented the code from the customer terminal, and the integrated management system to the payment approval. It includes a settlement processing unit for transmitting the settlement request according.
상기 정산 처리부는, 상기 다른 국가의 관리 시스템으로부터 실물 화폐를 이용하여 정산받을 수 있다.The settlement processing unit may be settled using real money from the management system of the other country.
상기 결제 처리부는, 상기 결제 승인 내용에 따라 원장 기장을 수행할 수 있다.The payment processing unit may perform a ledger book according to the payment approval.
상기 코드는 1차원 코드 또는 2차원 코드를 포함할 수 있다.The code may include a one-dimensional code or a two-dimensional code.
상기 결제 처리부는, 상기 통합 관리 시스템을 통하여 상기 제1국 관리 시스템으로부터 상기 고객 단말이 보유한 가상 화폐에 대한 결제 유효성 확인을 받아 상기 결제 승인을 수행할 수 있다.The payment processing unit may receive the payment validity confirmation for the virtual currency held by the customer terminal from the first station management system through the integrated management system to perform the payment approval.
상기 가상 화폐는, 특정인이 정한 규칙에 따라 생성되어 상기 통합 관리 시스템으로부터 인정되는 화폐, 그리고 판매자 또는 결제 수단을 제공하는 사업자가 상품이나 서비스를 구매한 고객에게 구매 활동에 대한 보상으로서 구매 금액의 일정 비율로 적립해주는 포인트 또는 마일리지를 포함할 수 있다.The virtual currency is a currency generated according to a rule set by a specific person and recognized from the integrated management system, and a schedule of a purchase amount as a reward for purchase activity to a customer who purchases a product or service by a seller or a provider who provides a payment method. It may include points or miles earned at a rate.
본 발명의 다른 실시예에 따른 가상 화폐 통합 관리 방법은 가상 화폐를 관리하는 통합 관리 시스템이, 제1국 관리 시스템에서 발행하거나 관리하는 가상 화폐를 사용하여 제2 국 관리 시스템과 제휴된 판매자와 이루어지는 구매 활동에 대하여 관리하는 방법으로서, 고객 단말로부터 상기 구매에 대한 결제에 사용하기 위한 코드 생성 요청을 수신하는 단계, 제2국 관리 시스템에게 코드 생성 요청을 전송하는 단계, 상기 제2국 관리 시스템으로부터 코드를 수신하는 단계, 상기 고객 단말에게 상기 코드를 전송하는 단계, 상기 코드를 이용한 상기 고객 단말과 상기 판매자와의 구매 활동에 대하여 상기 제2국 관리 시스템으로부터 결제 승인 요청을 수신하는 단계, 상기 제2국 관리 시스템에게 결제 승인을 전송하는 단계, 상기 제2국 관리 시스템으로부터 정산 요청을 수신하는 단계, 그리고 상기 제1국 관리 시스템에게 정산 요청을 전송하는 단계를 포함한다.According to another embodiment of the present invention, a virtual money integrated management method includes an integrated management system for managing virtual money, with a seller affiliated with a second country management system using virtual money issued or managed by the first country management system. A method of managing purchase activities, the method comprising: receiving a code generation request for use in payment for a purchase from a customer terminal, transmitting a code generation request to a second station management system, and from the second station management system Receiving a code, transmitting the code to the customer terminal, receiving a payment approval request from the second station management system for purchase activity between the customer terminal and the seller using the code, Sending a payment authorization to a two-station management system, from the second-station management system Receiving the settlement request, and transmitting the settlement request to the first station management system.
상기 제2국 관리 시스템으로부터 결제 승인 요청을 수신하는 단계 이후에 상기 제1국 관리 시스템에게 상기 고객 단말이 보유한 가상 화폐에 대한 결제 유효성 확인을 요구하는 단계를 더 포함할 수 있다.After receiving the payment approval request from the second station management system may further comprise the step of requesting the first station management system check the payment validity for the virtual currency held by the customer terminal.
상기 결제 승인을 전송하는 단계 이후에, 상기 결제 승인에 대하여 원장 기장을 처리하는 단계, 그리고 상기 제1 관리 시스템 및 상기 제2 관리 시스템에게 원장 기장 지시를 전송하는 단계를 더 포함할 수 있다.After the payment approval, the method may further include processing a ledger book for the payment approval, and transmitting a ledger book instruction to the first management system and the second management system.
상기 코드 생성 요청을 수신하는 단계 이전에, 상기 고객 단말의 로그인 요청을 수신하여 처리하는 단계를 더 포함할 수 있다.Before receiving the code generation request, the method may further include receiving and processing a login request of the customer terminal.
상기 가상 화폐는, 특정인이 정한 규칙에 따라 생성되어 상기 통합 관리 시스템으로부터 인정되는 화폐, 그리고 판매자 또는 결제 수단을 제공하는 사업자가 상품이나 서비스를 구매한 고객에게 구매 활동에 대한 보상으로서 구매 금액의 일정 비율로 적립해주는 포인트 또는 마일리지를 포함할 수 있다.The virtual currency is a currency generated according to a rule set by a specific person and recognized from the integrated management system, and a schedule of a purchase amount as a reward for purchase activity to a customer who purchases a product or service by a seller or a provider who provides a payment method. It may include points or miles earned at a rate.
본 발명에 따르면 서로 다른 국가 내에서 서로 다른 사업자에 의하여 발행되어 생성한 가상 화폐를 사용자가 국제적으로 자유롭게 사용하도록 지원하며, 각 사업자 간의 정산 절차를 지원하여, 국제 환경에 맞는 가상 화폐 시스템을 운영할 수 있으며, 가상 화폐 사용에 대한 고객의 편리성을 증대시킬 수 있다.According to the present invention, a user can freely use internationally the virtual currency issued and generated by different operators in different countries, and support a settlement procedure between each operator to operate a virtual currency system suitable for an international environment. It can increase the convenience of customers for the use of virtual currency.
도 1은 본 발명의 한 실시예에 따른 통합 관리 시스템이 동작하는 환경에 대한 블록도이다.1 is a block diagram of an environment in which an integrated management system operates according to an embodiment of the present invention.
도 2는 본 발명의 한 실시예에 따른 통합 관리 시스템의 블록도이다.2 is a block diagram of an integrated management system according to an embodiment of the present invention.
도 3은 본 발명의 한 실시예에 따른 국내 관리 시스템의 블록도이다.3 is a block diagram of a domestic management system according to an embodiment of the present invention.
도 4는 본 발명의 한 실시예에 따른 가상 화폐 관리 방법의 흐름도이다.4 is a flowchart of a virtual money management method according to an embodiment of the present invention.
아래에서는 첨부한 도면을 참고로 하여 본 발명의 실시예에 대하여 본 발명이 속하는 기술 분야에서 통상의 지식을 가진 자가 용이하게 실시할 수 있도록 상세히 설명한다. 그러나 본 발명은 여러 가지 상이한 형태로 구현될 수 있으며 여기에서 설명하는 실시예에 한정되지 않는다. 그리고 도면에서 본 발명을 명확하게 설명하기 위해서 설명과 관계없는 부분은 생략하였으며, 명세서 전체를 통하여 유사한 부분에 대해서는 유사한 도면 부호를 붙였다.DETAILED DESCRIPTION Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art may easily implement the present invention. As those skilled in the art would realize, the described embodiments may be modified in various different ways, all without departing from the spirit or scope of the present invention. In the drawings, parts irrelevant to the description are omitted in order to clearly describe the present invention, and like reference numerals designate like parts throughout the specification.
명세서 전체에서, 어떤 부분이 어떤 구성요소를 "포함"한다고 할 때, 이는 특별히 반대되는 기재가 없는 한 다른 구성요소를 제외하는 것이 아니라 다른 구성요소를 더 포함할 수 있는 것을 의미한다. 또한, 명세서에 기재된 "…부", "…기", "모듈" 등의 용어는 적어도 하나의 기능이나 동작을 처리하는 단위를 의미하며, 이는 하드웨어나 소프트웨어 또는 하드웨어 및 소프트웨어의 결합으로 구현될 수 있다.Throughout the specification, when a part is said to "include" a certain component, it means that it can further include other components, without excluding other components unless specifically stated otherwise. In addition, the terms “… unit”, “… unit”, “module”, etc. described in the specification mean a unit that processes at least one function or operation, which may be implemented by hardware or software or a combination of hardware and software. have.
도면을 참고하여 본 발명의 한 실시예에 따른 통합 관리 시스템 및 통합 관리 방법에 대하여 상세하게 설명한다.The integrated management system and the integrated management method according to an embodiment of the present invention will be described in detail with reference to the drawings.
도 1은 본 발명의 한 실시예에 따른 통합 관리 시스템이 동작하는 환경에 대한 블록도이다.1 is a block diagram of an environment in which an integrated management system operates according to an embodiment of the present invention.
도 1을 참고하면, 통합 관리 시스템(100)은 복수의 국가 각각에서 발행된 복수의 가상 화폐를 서로 다른 복수의 국가에서의 사용 및 정산을 통합 관리하는 서버이다. 통합 관리 시스템(100)은 각 국가의 국내 관리 시스템(200)과 통신하며 결제 승인 내역에 대한 원장 기재 관리 및 각 국가간의 정산 처리를 수행한다. 이를 위하여 통합 관리 시스템(100)은 가상 화폐에 대한 조회, 교환, 사용 및 결제를 수행하는 사용자 인터페이스를 제공할 수 있다.Referring to FIG. 1, the integrated management system 100 is a server that integrates and manages 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 ledger description management and settlement processing between the countries for payment approval details. To this end, the integrated management system 100 may provide a user interface for performing inquiry, exchange, use, and payment for virtual currency.
국내 관리 시스템(200)은 복수의 국가 각각에서 해당 국가에서 존재하는 판매자(300)와 계약을 맺고 판매자 단말(300)과 고객 단말(400) 사이의 구매 활동에 대한 결제 승인 절차를 수행하고, 통합 관리 시스템(100)을 통하여 다른 국가의 국내 관리 시스템(200)과 결제에 따른 국가간 정산을 처리하는 서버이다. 국내 관리 시스템(200)은 서로 다른 제1국, 제2국 및 제3 국을 각각 관리하는 제1국 관리 시스템(201), 제2국 관리 시스템(202) 및 제3 국 관리 시스템(203)을 포함한다.The domestic management system 200 enters into a contract with a seller 300 existing in a corresponding country in each of a plurality of countries, performs a payment approval procedure for a purchase activity between the seller terminal 300 and the customer terminal 400, and integrates them. Through the management system 100 is a server that handles the settlement between countries according to the domestic management system 200 and payment of other countries. 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, second, and third stations, respectively. It includes.
판매자 단말(300)은 국내 관리 시스템(200)이 관리하는 국가에 존재하며, 고객에게 상품 또는 서비스를 제공하는 자가 사용하는 단말이다. 판매자 단말(300)은 국내 관리 시스템(200)과 계약을 맺고 가상 화폐를 결제 대금으로 하여 상품 또는 서비스를 고객에게 제공하고, 가상 화폐에 대한 구매 대금 결제 승인 및 정산을 국내 관리 시스템(200)으로부터 처리 받는다. 판매자 단말(300)은 예를 들어 금융 서비스를 제공하는 은행(301), 가상 화폐의 한 종류인 쿠폰을 발행하여 판매하는 쿠폰 에이전시(302) 및 고객에게 상품을 판매하는 오프라인 또는 온라인 가맹점(303) 등을 포함할 수 있다.The seller terminal 300 exists in a country managed by the domestic management system 200, and is 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 and provides a product or a service to a customer by using virtual money as a payment price, and approves and setstles a purchase price payment for the virtual money from the domestic management system 200. Take care of it. The seller terminal 300 may be, for example, a bank 301 providing a financial service, a coupon agency 302 for issuing and selling a coupon which is a kind of virtual currency, and an offline or online merchant 303 for selling a product to a customer. And the like.
이때 가상 화폐는 각국에서 생성되어 네트워크 방식으로 구현되어 있는 화폐로서, 특정인이 정한 규칙에 따라 생성되어 통합 관리 시스템(100) 또는 국내 관리 시스템(200)으로부터 인정되는 화폐를 포함한다. 또한 가상 화폐는 판매자 또는 결제 수단을 제공하는 사업자가 상품이나 서비스를 구매한 구매자에게 구매 활동에 대한 보상으로서 구매 금액의 일정 비율로 적립해주는 포인트 또는 마일리지 등을 포함한다. 이때 포인트 또는 마일리지는 구매 활동의 결과로서 적립되는 것뿐만 아니라 고객이 필요에 따라 구입을 하여 보유될 수도 있다.In this case, the virtual currency is a currency generated in each country and implemented in a network manner, and includes a currency generated according to a rule determined by a specific person and recognized from the integrated management system 100 or the domestic management system 200. In addition, virtual currency includes points or miles earned by a seller or a provider who provides a payment method as a reward for a purchase activity to a buyer who purchased a product or service as a percentage of the purchase amount. Points or miles are not only earned as a result of purchasing activities, but may also be retained by customers as needed.
고객 단말(400)은 다양한 경로에 따라 획득한 가상 화폐를 보유하고 있는 고객이 네트워크를 통하여 통합 관리 시스템(100) 또는 국내 관리 시스템(200)이 제공하는 웹페이지에 접속하거나 판매자 단말(300)과 통신하는 장치이다. 고객 단말(400)은 예를 들어, 탭 및 노트북을 포함하는 각종 컴퓨터, 개인 휴대용 정보 단말기(Personal Digital Assistant, PDA), 스마트폰을 포함하는 이동 통신 단말기 및 텔레비전(television, TV)등 다양한 통신 장치가 사용될 수 있다.The customer terminal 400 accesses a web page provided by the integrated management system 100 or the domestic management system 200 through a network, or has a customer who has virtual currency acquired through various paths, or with a seller terminal 300. A device that communicates. The customer terminal 400 may include, for example, various computers including tabs and notebooks, personal digital assistants (PDAs), mobile communication terminals including smartphones, and televisions (televisions, TVs). Can be used.
이제 도 2를 참고하여 통합 관리 시스템에 대하여 상세하게 설명한다.Now, the integrated management system will be described in detail with reference to FIG. 2.
도 2는 본 발명의 한 실시예에 따른 통합 관리 시스템의 블록도이다.2 is a block diagram of an integrated management system according to an embodiment of the present invention.
도 2를 참고하면 통합 관리 시스템(100)은 회원 관리부(110), 코드 생성부(120), 결제 처리부(130) 및 정산 처리부(140)를 포함한다.Referring to FIG. 2, the integrated management system 100 includes a member manager 110, a code generator 120, a payment processor 130, and a settlement processor 140.
앞으로 설명에서는 제1국 관리 시스템(201)에 의하여 관리되는 가상 화폐를 보유하는 고객 단말(400)이 제1국과 다른 국가에 대한 제2국 관리 시스템(202)과 계약된 제2국의 판매자로부터 상품 또는 서비스를 구매하는 경우를 예로 들어 설명한다.In the following description, the seller of the second country in which the customer terminal 400 holding the virtual currency managed by the first station management system 201 is contracted with the second station management system 202 for the other country. An example of purchasing a product or service from the following description will be described.
회원 관리부(110)는 국내 관리 시스템(200) 및 고객 단말(400)에 대한 정보를 등록하여 관리한다. 회원 관리부(110)는 고객 단말(400)로부터 회원 가입 신청 및 로그인 요청을 수신하여 고객에 대한 사용자 인증 과정을 수행하여 로그인 처리한다. 이때 통합 관리 시스템(100)은 고객 단말(400)에게 판매자가 판매하고자 하는 상품 또는 서비스에 대한 정보를 제공할 수 있다.The member manager 110 registers and manages information about the domestic management system 200 and the customer terminal 400. The member manager 110 receives a member registration request and a login request from the customer terminal 400 and performs a user authentication process for the customer to log in. In this case, the integrated management system 100 may provide the customer terminal 400 with information about a product or service that the seller intends to sell.
코드 생성부(120)는 고객 단말(400)로부터 구매 및 결제를 위한 전용 코드 생성 요청을 수신하고, 고객 단말(400)이 거래하고자 하는 판매자 단말(300)을 관리하는 제2국 관리 시스템(202)에게 코드 생성 요청을 전송한다. 이때 코드는 바코드를 포함하는 1차원 코드 및 QR 코드를 포함하는 2차원 코드를 포함한다.The code generation unit 120 receives a request for generating a dedicated code for purchase and payment from the customer terminal 400, and manages the second terminal management system 202 for managing the seller terminal 300 to be traded by the customer terminal 400. Send a code generation request to). In this case, the code includes a one-dimensional code including a barcode and a two-dimensional code including a QR code.
결제 처리부(130)는 제2국 관리 시스템(202)으로부터 결제 승인 요청을 수신하고, 제1국 관리 시스템(201)에게 고객에 대한 가상 화폐의 잔액 확인 및 결제 가능 여부 등을 문의하여 결제 승인을 제2국 관리 시스템(202)에게 전송한다. 즉 결제 처리부(130)는 제1국 관리 시스템(201)을 통하여 고객 단말(400)의 구매 가능 조건을 문의하거나 고객 단말(400)이 보유하고 있는 가상 화폐에 대한 유효성 검토를 수행할 수 있다. The payment processing unit 130 receives a payment approval request from the second country management system 202 and asks the first country management system 201 to check the balance of the virtual currency for the customer and check whether the payment is possible. And transmits it to the second station management system 202. That is, the payment processing unit 130 may inquire the purchase condition of the customer terminal 400 through the first station management system 201 or perform a validity check on the virtual currency held by the customer terminal 400.
또한 결제 처리부(130)는 결제 승인이 완료된 후에 원장 기장을 처리하고, 관련된 국내 관리 시스템(200)들에게 원장 기장 지시를 전송한다. 즉 예를 들어 결제 처리부(130)는 고객 단말(400)이 제2국의 판매자의 상품 또는 서비스를 구매하여 결제 승인이 완료된 경우, 제1국 관리 시스템(201) 및 제2국 관리 시스템(202)에게 원장 기장 지시를 할 수 있다.In addition, the payment processing unit 130 processes the ledger book after the payment approval is completed, and transmits the ledger book instructions to the related domestic management system (200). That is, for example, the payment processing unit 130, the first terminal management system 201 and the second station management system 202 when the customer terminal 400 purchases goods or services of the seller of the second country and the payment is completed. ) Can be directed to the ledger.
정산 처리부(140)는 제2국의 국내 관리 시스템(202)으로부터 정산 요청을 수신하면 원장 기장에 따라 제1국의 국내 관리 시스템(201)에게 정산 요청을 전송한다. 이때 정산은 통용되는 실물 화폐인 현금으로 처리되거나, 통합 관리 시스템이 생성한 지정 화폐로 처리될 수 있다.When the settlement processing unit 140 receives the settlement request from the domestic management system 202 of the second station, the settlement processing unit 140 transmits the settlement request to the domestic management system 201 of the first station according to the ledger captain. In this case, the settlement may be processed in cash, which is a general currency used in general, or in a designated currency generated by an integrated management system.
이제 도 3을 참고하여 국내 관리 시스템(200)에 대하여 상세하게 설명한다.Now, the domestic management system 200 will be described in detail with reference to FIG. 3.
도 3은 본 발명의 한 실시예에 따른 국내 관리 시스템의 블록도이다.3 is a block diagram of a domestic management system according to an embodiment of the present invention.
도 3을 참고하면, 국내 관리 시스템(200)은 코드 생성부(210), 결제 처리부(220) 및 정산 처리부(230)를 포함한다.Referring to FIG. 3, the domestic management system 200 includes a code generation unit 210, a payment processing unit 220, and a settlement processing unit 230.
코드 생성부(210)는 통합 관리 시스템(100)으로부터 고객 단말(400)의 구매에 사용되는 코드 생성 요청을 수신하여 코드를 생성하여 통합 관리 시스템(100)에게 전송한다. 이때 코드는 판매자와 고객과의 구매 활동을 위한 정보를 포함하며 구체적으로는 제1 영역, 제2 영역 및 제3 영역을 포함할 수 있다. 제1 영역은 프리픽스(prefix)으로서 고객이 사용하려고 하는 가맹점 등의 판매자 정보, 판매자를 관리하는 국내 관리 시스템 정보 및 고객이 최초 가입한 국내 관리 시스템 정보를 포함할 수 있다. 제2 영역은 임의 숫자와 시간 코드로 이루어져 있으며 고객이 사용자려고 하는 시간에 따란 임의이 일회용 비밀번호(one time password, OTP)를 포함한다. 제3 영역은 검사 숫자(check digit)를 포함하며 해당 거래가 정당함을 인증하는 특수 코드값이다.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 activity between the seller and the customer, and specifically, may include a first area, a second area, and a third area. The first area may include seller information such as merchants that the customer intends to use as a prefix, domestic management system information for managing the seller, and domestic management system information for which the customer first subscribed. The second area consists of a random number and a time code and includes a one time password (OTP), depending on the time the customer is trying to user. The third field contains a check digit and is a special code value that certifies that the transaction is legitimate.
결제 처리부(220)는 다른 국가의 국내 관리 시스템(200)가 관리하는 가상 화폐를 보유한 고객 단말(400)이 자신과 제휴한 판매자 단말(300)와 구매 활동을 한 경우, 판매자 단말(300)로부터 결제 승인 요청을 받아 결제 승인을 처리한다. 이때 결제 처리부(220)는 통합 관리 시스템(100)에게 고객에 대한 가상 화폐의 잔액 확인 및 결제 가능 여부 등을 문의를 통하여 유효성 확인이 완료된 후에 결제 승인을 수행할 수 있다. 결제 처리부(220)는 결제 승인 후에 통합 관리 시스템(100)의 지시에 따라 원장 기장을 수행하여 원장을 관리한다.The payment processing unit 220, when the customer terminal 400 having a virtual currency managed by the domestic management system 200 of another country has made a purchase activity with the seller terminal 300 associated with it, from the seller terminal 300 Receive a payment authorization request and process payment authorization. In this case, the payment processing unit 220 may perform payment approval after the validation is completed by inquiring the integrated management system 100 of checking the balance of the virtual currency for the customer and whether the payment is possible. The payment processing unit 220 manages the ledger by performing the ledger in accordance with the instructions of the integrated management system 100 after payment approval.
정산 처리부(230)는 판매자 단말(300)로부터 결제 금액에 대한 정산 요청을수신하고, 해당 금액을 판매자 단말(300)의 계좌로 송금함으로써 정산 처리한다. 또한 정산 처리부(230)는 결제 처리부(220)가 관리하는 원장 기장 내용에 따라 통합 관리 시스템(100)에게 결제 승인 내용에 따른 결제 금액에 대한 정산 요청을 전송한다. 그리고 다른 국가의 국내 관리 시스템(200)으로부터 결제 비용을 입금받는 방식으로 정산을 받는다. 이때 정산은 실물 화폐 또는 지정 화폐로 이루어질 수 있다.The settlement processing unit 230 receives a settlement request for the settlement amount from the seller terminal 300, and transfers the settlement amount to the account of the seller terminal 300. In addition, the settlement processing unit 230 transmits a settlement request for the payment amount according to the payment approval to the integrated management system 100 according to the contents of the ledger book managed by the payment processing unit 220. And the settlement is received in such a way that the payment of payment from the domestic management system 200 of another country. In this case, the settlement may be made of real currency or designated currency.
이제 본 발명의 다른 실시예에 따른 가상 화폐 관리 방법에 대하여 상세하게 설명한다.Now, a virtual money management method according to another embodiment of the present invention will be described in detail.
도 4는 본 발명의 한 실시예에 따른 가상 화폐 관리 방법의 흐름도이다.4 is a flowchart of a virtual money management method according to an embodiment of the present invention.
도 4에서는 제1국에서 제1국 관리 시스템(201)의 관리를 받는 고객 단말(400)이, 제2국에서 제2국 관리 시스템(202)과 제휴를 맺은 판매자의 상품 또는 서비스를 구매한 경우의 예를 들어 설명한다. 즉, 고객이 제1국 관리 시스템(201)에서 발행하거나 제1국 관리 시스템(201)이 관리하는 가상 화폐를 보유하고 있는 경우에, 이러한 가상 화폐를 이용하여 제2국 판매자와 구매 활동을 한 경우이다.In FIG. 4, the customer terminal 400 managed by the first station management system 201 in the first station purchases a product or service of a seller who is affiliated with the second station management system 202 in the second station. An example of a case is demonstrated. That is, when the customer has a virtual currency issued by the first country management system 201 or managed by the first country management system 201, the purchase activity with the seller of the second country may be performed using the virtual money. If it is.
도 4를 참고하면, 고객 단말(400)은 구매를 위하여 통합 관리 시스템(100)이 제공하는 웹페이지 또는 어플리케이션을 통하여 통합 관리 시스템(100)에게 접속하여 로그인 요청을 수행한다(S410). 이때 고객 단말(400)은 통합 관리 시스템(100)에게 회원 가입 처리가 되어 있다.Referring to FIG. 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 and performs a login request for purchase (S410). At this time, the customer terminal 400 is a member registration processing to the integrated management system 100.
통합 관리 시스템(100)은 고객 단말(400)의 로그인 요청에 따라 사용자 인증 등의 과정을 수행한 후 로그인 처리하여 로그인 처리 완료 정보를 고객 단말(400)에게 전송한다(S411)The integrated management system 100 performs a process such as user authentication according to a login request of the customer terminal 400 and then performs a login process to transmit login processing completion information to the customer terminal 400 (S411).
이어서 고객 단말(400)은 통합 관리 시스템(100)에게 판매자에 대한 결제를위하여 코드 생성 요청을 전송한다(S420). 통합 관리 시스템(100)은 해당 판매자를 관리하는 제2국 관리 시스템(202)에게 코드 생성 요청을 전송한다(S421).Subsequently, the customer terminal 400 transmits a code generation request to the integrated management system 100 for payment for the seller (S420). The integrated management system 100 transmits a code generation request to the second station management system 202 managing the seller (S421).
그러면 제2국 관리 시스템(202)은 고객 단말(400)과 해당 판매자와 구매 활동을 위한 코드를 생성한다(S422). 그리고 제2국 관리 시스템(202)은 통합 관리 시스템(100)에게 생성된 코드를 전송하고(S423), 통합 관리 시스템(100)은 수신한 코드를 고객 단말(400)에게 전송한다(S424).Then, the second station management system 202 generates a code for purchasing activity with the customer terminal 400 and the corresponding seller (S422). The second station management system 202 transmits the generated code to the integrated management system 100 (S423), and the integrated management system 100 transmits the received code to the customer terminal 400 (S424).
그러면 고객 단말(400)은 수신한 코드를 표시부에 표시하고, 고객은 물품이나 서비스 구매에 대한 결제를 위하여 판매자 단말(300)에게 코드를 제시한다.(S430). 이때 판매자 단말(300)은 고객 단말(400)에 표시된 코드를 스캔하는 동작 등으로 코드 정보를 입력받는다.Then, the customer terminal 400 displays the received code on the display unit, and the customer presents the code to the seller terminal 300 for payment for the purchase of goods or services. In this case, the seller terminal 300 receives the code information through an operation of scanning a code displayed on the customer terminal 400.
이어서 판매자 단말(300)은 제2국 관리 시스템(202)에게 결제 승인 요청을 전송한다(S440). 그러며 제2국 관리 시스템(202)은 통합 관리 시스템(100)에게 결제 승인 요청을 전송한다(S441).Subsequently, 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).
통합 관리 시스템(100)은 해당 고객 단말(400)이 보유하고 있는 가상 화폐에 대한 결제 조건 확인 문의를 제1국 관리 시스템(201)에게 전송한다(S442). 즉 고객 단말(400)이 보유하고 있는 가상 화폐의 잔액이 결제 금액보다 많은지 여부, 결제에 사용할 수 있는 가상 화폐 제한 여부 등 통합 관리 시스템(100)은 가상 화폐의 결제 유효성 문의를 할 수 있다. 제1국 관리 시스템(201)은 통합 관리 시스템(100)에게 결제 조건 문의에 대한 답변을 전송한다(S443).The integrated management system 100 transmits a payment condition check inquiry about the virtual currency held by the corresponding customer terminal 400 to the first station management system 201 (S442). That is, the integrated management system 100 may inquire the payment validity of the virtual currency, such as whether the balance of the virtual currency held by the client terminal 400 is greater than the payment amount, or whether the virtual currency is limited for the payment. The first station management system 201 transmits an answer to the payment condition inquiry to the integrated management system 100 (S443).
통합 관리 시스템(100)은 제1국 관리 시스템(201)의 답변 결과 결제에 문제가 없는 경우 제2국 관리 시스템(202)에게 결제 승인을 전송한다(S444). 그러면 제2국 관리 시스템(202)은 판매자 단말(300)에게 결제 승인을 전송한다(S445).The integrated management system 100 transmits a payment approval to the second station management system 202 when there is no problem in the settlement as a result of the answer of the first station management system 201 (S444). Then, the second station management system 202 transmits the payment approval to the seller terminal 300 (S445).
그러면 판매자 단말(300)은 결제를 처리하고 구매를 완료한다(S450).The seller terminal 300 processes the payment and completes the purchase (S450).
통합 관리 시스템(100)은 결제 승인에 따라 결제 내용을 원장 기장하고(S460), 제1국 및 제2국 관리 시스템(201, 202)에게 원장 기장 지시를 전송한다(S461, S462). 그러면 제1국 및 제2국 관리 시스템(201, 202)은 각각 원장 기장을 처리한다(S463, S464).The integrated management system 100 registers the payment contents according to the payment approval (S460), and transmits the ledger length instruction to the first and second station management systems 201 and 202 (S461 and S462). The first station and second station management systems 201 and 202 then process the ledger badge, respectively (S463 and S464).
이어서 판매자 단말(300)은 제2국 관리 시스템(202)에게 결제 승인에 대한 정산 요청을 전송한다(S470). 그러면 제2국 관리 시스템(202)은 판매자에게 정산을 수행한다(S471). 판매자에 대한 제2국 관리 시스템(202)의 정산은 정기적으로 이루어질 수 있다.Subsequently, the seller terminal 300 transmits a settlement request for payment approval to the second station management system 202 (S470). The second station management system 202 then performs the settlement to the seller (S471). The settlement of the second station management system 202 for the seller may be made regularly.
제2국 관리 시스템(202)은 통합 관리 시스템(100)에게 정산 요청을 전송한다(S472). 이어서 통합 관리 시스템(100)은 제1국 관리 시스템(201)에게 정산 요청을 전송한다(S473). 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).
그러면 제1국 관리 시스템(201)은 고객 단말(400)이 보유하고 있는 가상 화폐를 차감하고, 정산을 위하여 제2국 관리 시스템(202)이 사용하는 실물 화폐 또는 정해진 실물 화폐로 환전 처리할 수 있다(S474). 그리고 제1국 관리 시스템(201)은 제2국 관리 시스템(202)에게 해당 결제 금액을 송금함으로써 정산 처리한다(S475).Then, the first station management system 201 can subtract the virtual money held by the customer terminal 400 and exchange the real currency or the predetermined real currency used by the second station management system 202 for settlement. (S474). Then, the first station management system 201 processes the settlement by remitting the payment amount to the second station management system 202 (S475).
한편, 본 발명의 한 실시예에서 환전 처리 및 금액 전송은 제1국 관리 시스템(201)이 직접 수행하거나 연계된 금융 기관을 통하여 할 수 있으며, 제2국 관리 시스템(202) 역시 직접 금액을 수신하거나 연계된 금융 기관을 통하여 할 수도 있다.Meanwhile, in one embodiment of the present invention, the exchange processing and the transfer of the amount may be directly performed by the first station management system 201 or through an associated financial institution, and the second station management system 202 may also receive the amount directly. Or through a linked financial institution.
이와 같이 제1국 관리 시스템(201)에 의하여 발행되거나 관리되는 가상 화폐에 대하여 고객은 다른 국가인 제2국에서 자유롭게 사용할 수 있어 국제 환경에 맞는 가상 화폐 시스템을 운영할 수 있으며, 가상 화폐 사용에 대한 고객의 편리성을 증대시킬 수 있다.As such, the virtual currency issued or managed by the first country management system 201 can be freely used by a second country, which is a different country, so that a customer can operate a virtual money system suitable for an international environment. It can increase the convenience of customers.
또한 제1국 관리 시스템(201) 및 제2국 관리 시스템(202) 사이의 정산 절차 과정을 통합 관리 시스템(100)이 관리하며, 제1국 관리 시스템(201) 및 제2국 관리 시스템(202)이 모두 원장을 기록하여 관리하는 분산 원장 방식을 채택함으로써 안전하고 명확한 정산 절차가 지원될 수 있다. In addition, the integrated management system 100 manages the settlement process between the first station management system 201 and the second station management system 202, and the first station management system 201 and the second station management system 202. The adoption of a distributed ledger system, in which all ledgers record and manage ledgers, can support a secure and clear settlement process.
또한 통합 관리 시스템(100)이 관리하는 시스템 내에서 이루어지는 외환 거래에 투명성을 확보할 수 있으며, 스왑 거래 활성화에 따라 국제 거래에서 외환 수입을 증대시킬 수 있다.In addition, it is possible to secure transparency in foreign exchange transactions made in the system managed by the integrated management system 100, and increase foreign exchange income in international transactions by activating swap transactions.
이상에서 설명한 본 발명의 실시예는 장치 및 방법을 통해서만 구현이 되는 것은 아니며, 본 발명의 실시예의 구성에 대응하는 기능을 실현하는 프로그램 또는 그 프로그램이 기록된 기록 매체를 통해 구현될 수도 있다. 이러한 기록 매체는 서버뿐만 아니라 사용자 단말에서도 실행될 수 있다.The embodiments of the present invention described above are not only implemented through the apparatus and the method, but may be implemented through a program for realizing a function corresponding to the configuration of the embodiments of the present invention or a recording medium on which the program is recorded. Such a recording medium can be executed not only in the server but also in the user terminal.
이상에서 본 발명의 실시예에 대하여 상세하게 설명하였지만 본 발명의 권리범위는 이에 한정되는 것은 아니고 다음의 청구범위에서 정의하고 있는 본 발명의 기본 개념을 이용한 당업자의 여러 변형 및 개량 형태 또한 본 발명의 권리범위에 속하는 것이다.Although the embodiments of the present invention have been described in detail above, the scope of the present invention is not limited thereto, and various modifications and improvements of those skilled in the art using the basic concepts of the present invention defined in the following claims are also provided. It belongs to the scope of rights.

Claims (21)

  1. 고객이 제1국 관리 시스템에서 발행하거나 관리하는 가상 화폐를 사용하여 제2국 관리 시스템과 제휴된 판매자와 구매 활동을 하는 경우 상기 가상 화폐를 관리하는 통합 관리 시스템으로서,An integrated management system that manages the virtual currency when a customer makes a purchase activity with a seller affiliated with the second country management system using a virtual currency issued or managed by the first country management system,
    고객 단말로부터 상기 구매에 대한 결제에 사용하기 위한 코드 생성 요청을 수신하고, 제2국 관리 시스템에게 코드 생성 요청을 전송하는 코드 생성부,A code generator for receiving a code generation request for use in payment for the purchase from a customer terminal and transmitting a code generation request to a second station management system;
    상기 제2국 관리 시스템으로부터 결제 승인 요청을 수신하여 상기 제1국 관리 시스템으로부터 결제 유효성 확인을 받아 결제 승인하는 결제 처리부, 그리고A payment processing unit which receives a payment approval request from the second station management system and receives a payment validity confirmation from the first country management system;
    상기 제2국 관리 시스템으로부터 정산 요청을 수신하여 상기 제1국 관리 시스템에게 정산 요청을 전송하는 정산 처리부The settlement processor receives the settlement request from the second station management system and transmits the settlement request to the first station management system.
    를 포함하는 통합 관리 시스템.Integrated management system comprising a.
  2. 제1항에서,In claim 1,
    상기 고객에 대한 회원 등록 및 로그인 요청을 처리하는 회원 관리부Membership management unit for member registration and login request for the customer
    를 더 포함하고,More,
    상기 코드 생성 요청은 로그인이 완료된 후에 수행되는The code generation request is performed after the login is completed.
    통합 관리 시스템.Integrated management system.
  3. 제1항에서,In claim 1,
    상기 결제 처리부는,The payment processing unit,
    결제 승인이 완료된 후에 원장 기장을 완료하고, 상기 제1국 관리 시스템 및 상기 제2국 관리 시스템에게 원장 기장 지시를 전송하는After completing the payment approval, complete the ledger book, and send the ledger book instructions to the first station management system and the second station management system.
    통합 관리 시스템.Integrated management system.
  4. 제1항에서,In claim 1,
    상기 코드는 1차원 코드 또는 2차원 코드를 포함하는The code includes a one-dimensional code or a two-dimensional code
    통합 관리 시스템.Integrated management system.
  5. 제1항에서,In claim 1,
    상기 코드는,The code is
    상기 판매자에 대한 정보, 상기 제1국 관리 시스템 정보 및 상기 제2국 관리 시스템 정보 중 적어도 하나를 포함하는 영역을 포함하는And an area including at least one of the information on the seller, the first station management system information, and the second station management system information.
    통합 관리 시스템.Integrated management system.
  6. 제1항에서,In claim 1,
    상기 코드는,The code is
    상기 고객이 이용하려고 하는 시간에 따라 임의로 정해지는 일회용 비밀번호(one time password, OTP)를 포함하는It includes a one time password (OTP) that is arbitrarily determined according to the time that the customer is going to use
    통합 관리 시스템.Integrated management system.
  7. 제1항에서,In claim 1,
    상기 코드는The code is
    거래의 정당함을 인증하는 특수 코드값인 검사 숫자(check digit)를 포함하는Contains a check digit, a special code value that certifies the justification of a transaction.
    통합 관리 시스템.Integrated management system.
  8. 제1항에서,In claim 1,
    상기 결제 유효성 확인은The above payment validation
    상기 고객 단말이 보유하고 있는 가상 화폐의 잔액 또는 가상 화폐의 거래 제한에 대한 문의를 포함하는 통합 관리 시스템.Integrated management system including the inquiry about the balance of the virtual currency held by the customer terminal or the transaction restriction of the virtual currency.
  9. 제1항에서,In claim 1,
    상기 제1국 관리 시스템은 상기 제2국 관리 시스템에게 정산 금액을 실물화폐로 정산하는The first station management system may settle the settlement amount in real currency to the second station management system.
    통합 관리 시스템.Integrated management system.
  10. 제1항에서,In claim 1,
    상기 가상 화폐는,The virtual currency,
    특정인이 정한 규칙에 따라 생성되어 상기 통합 관리 시스템으로부터 인정되는 화폐, 그리고Money generated according to the rules set by a specific person and recognized from the integrated management system, and
    판매자 또는 결제 수단을 제공하는 사업자가 상품이나 서비스를 구매한 고객에게 구매 활동에 대한 보상으로서 구매 금액의 일정 비율로 적립해주는 포인트 또는 마일리지Points or miles earned by a seller or a provider of payments as a reward for purchase activity as a reward for purchasers of goods or services
    를 포함하는 통합 관리 시스템.Integrated management system comprising a.
  11. 고객이 다른 국가의 관리 시스템이 발행하거나 관리하는 가상 화폐를 사용하여 자신과 제휴된 판매자와 구매활동을 하는 경우 통합 관리 시스템으로부터 요청에 따라 고객 단말에게 발행할 코드를 생성하여 상기 통합 관리 시스템에게 전송하는 코드 생성부,When a customer uses a virtual currency issued or managed by a management system of another country to make a purchase activity with a seller affiliated with the customer, a code to be issued to a customer terminal is generated from the integrated management system upon request and transmitted to the integrated management system. Code generation unit,
    상기 고객 단말에게서 상기 코드를 제시받은 판매자 단말로부터 결제 승인 요청을 수신하여 승인하는 결제 처리부, 그리고A payment processing unit which receives and approves a payment approval request from a seller terminal receiving the code from the customer terminal, and
    상기 통합 관리 시스템에게 상기 결제 승인에 따른 정산 요청을 전송하는 정산 처리부Settlement processing unit for transmitting the settlement request according to the payment approval to the integrated management system
    를 포함하는 국내 관리 시스템.Domestic management system comprising a.
  12. 제11항에서,In claim 11,
    상기 정산 처리부는,The settlement processing unit,
    상기 다른 국가의 관리 시스템으로부터 실물 화폐를 이용하여 정산받는Settled using real money from the management system of the other country
    국내 관리 시스템.Domestic management system.
  13. 제11항에서,In claim 11,
    상기 결제 처리부는,The payment processing unit,
    상기 결제 승인 내용에 따라 원장 기장을 수행하는According to the payment approval details to perform the ledger book
    국내 관리 시스템.Domestic management system.
  14. 제11항에서,In claim 11,
    상기 코드는 1차원 코드 또는 2차원 코드를 포함하는The code includes a one-dimensional code or a two-dimensional code
    국내 관리 시스템.Domestic management system.
  15. 제11항에서,In claim 11,
    상기 결제 처리부는,The payment processing unit,
    상기 통합 관리 시스템을 통하여 상기 제1국 관리 시스템으로부터 상기 고객 단말이 보유한 가상 화폐에 대한 결제 유효성 확인을 받아 상기 결제 승인을 수행하는Receiving a payment validity confirmation for the virtual currency held by the customer terminal from the first station management system through the integrated management system to perform the payment approval
    국내 관리 시스템.Domestic management system.
  16. 제11항에서,In claim 11,
    상기 가상 화폐는,The virtual currency,
    특정인이 정한 규칙에 따라 생성되어 상기 통합 관리 시스템으로부터 인정되는 화폐, 그리고Money generated according to the rules set by a specific person and recognized from the integrated management system, and
    판매자 또는 결제 수단을 제공하는 사업자가 상품이나 서비스를 구매한 고객에게 구매 활동에 대한 보상으로서 구매 금액의 일정 비율로 적립해주는 포인트 또는 마일리지Points or miles earned by a seller or a provider of payments as a reward for purchase activity as a reward for purchasers of goods or services
    를 포함하는 국내 관리 시스템Domestic management system including
  17. 가상 화폐를 관리하는 통합 관리 시스템이, 제1국 관리 시스템에서 발행하거나 관리하는 가상 화폐를 사용하여 제2국 관리 시스템과 제휴된 판매자와 이루어지는 구매 활동에 대하여 관리하는 방법으로서,An integrated management system for managing virtual money is a method of managing purchase activities with sellers affiliated with a second country management system using virtual money issued or managed by the first country management system.
    고객 단말로부터 상기 구매에 대한 결제에 사용하기 위한 코드 생성 요청을 수신하는 단계,Receiving a code generation request for use in payment for the purchase from a customer terminal;
    상기 제2국 관리 시스템에게 코드 생성 요청을 전송하는 단계,Transmitting a code generation request to the second station management system;
    상기 제2국 관리 시스템으로부터 코드를 수신하는 단계,Receiving a code from the second station management system,
    상기 고객 단말에게 상기 코드를 전송하는 단계,Transmitting the code to the customer terminal;
    상기 코드를 이용한 상기 고객 단말과 상기 판매자와의 구매 활동에 대하여 상기 제2국 관리 시스템으로부터 결제 승인 요청을 수신하는 단계,Receiving a payment approval request from the second station management system for the purchase activity between the customer terminal and the seller using the code;
    상기 제2국 관리 시스템에게 결제 승인을 전송하는 단계,Transmitting a payment approval to the second station management system;
    상기 제2국 관리 시스템으로부터 정산 요청을 수신하는 단계, 그리고Receiving a settlement request from the second station management system, and
    상기 제1국 관리 시스템에게 정산 요청을 전송하는 단계Transmitting a settlement request to the first station management system;
    를 포함하는 통합 관리 방법.Integrated management method comprising a.
  18. 제17항에서,The method of claim 17,
    상기 제2국 관리 시스템으로부터 결제 승인 요청을 수신하는 단계 이후에After receiving the payment approval request from the second station management system
    상기 제1국 관리 시스템에게 상기 고객 단말이 보유한 가상 화폐에 대한 결제 유효성 확인을 요구하는 단계Requesting the first station management system to confirm the payment validity of the virtual currency held by the customer terminal;
    를 더 포함하는 통합 관리 방법.Integrated management method further comprising.
  19. 제17항에서,The method of claim 17,
    상기 결제 승인을 전송하는 단계 이후에,After sending the payment authorization,
    상기 결제 승인에 대하여 원장 기장을 처리하는 단계, 그리고Processing a ledger entry for the payment authorization; and
    상기 제1 관리 시스템 및 상기 제2 관리 시스템에게 원장 기장 지시를 전송하는 단계Transmitting a ledger ledger instruction to the first management system and the second management system;
    를 더 포함하는 통합 관리 방법.Integrated management method further comprising.
  20. 제17항에서,The method of claim 17,
    상기 코드 생성 요청을 수신하는 단계 이전에,Before the step of receiving the code generation request,
    상기 고객 단말의 로그인 요청을 수신하여 처리하는 단계Receiving and processing the login request of the customer terminal
    더 포함하는 통합 관리 방법.Integrated management method further including.
  21. 제17항에서,The method of claim 17,
    상기 가상 화폐는,The virtual currency,
    특정인이 정한 규칙에 따라 생성되어 상기 통합 관리 시스템으로부터 인정되는 화폐, 그리고Money generated according to the rules set by a specific person and recognized from the integrated management system, and
    판매자 또는 결제 수단을 제공하는 사업자가 상품이나 서비스를 구매한 고객에게 구매 활동에 대한 보상으로서 구매 금액의 일정 비율로 적립해주는 포인트 또는 마일리지를 포함하는 통합 관리 방법.An integrated management method comprising points or miles earned by a seller or a provider of a payment method to a customer who purchases a product or service as a reward for purchase activity as a percentage of the purchase amount.
PCT/KR2017/004270 2017-03-14 2017-04-21 Integrated management system using virtual currency, domestic management system, and integrated management method WO2018169123A1 (en)

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Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20060099957A (en) * 2005-03-15 2006-09-20 미래시티닷컴(주) International electronic money system
KR20100134300A (en) * 2009-06-15 2010-12-23 에스케이 텔레콤주식회사 Integrated electronic money management system and national integrated electronic money management method
KR20160130929A (en) * 2015-05-05 2016-11-15 고재량 System and Method for Applying for Currency Exchange Services in Mobile with Chinese Cross Border ePayment Services Using a Rechargeable Prepaid Card
KR20160133704A (en) * 2015-05-13 2016-11-23 주식회사 우리은행 System for processing realtime payment transaction using overseas prepayment cash and method thereof
KR101689815B1 (en) * 2015-11-20 2016-12-27 김민찬 Financial transaction service system using virtual sharing account

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* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20060099957A (en) * 2005-03-15 2006-09-20 미래시티닷컴(주) International electronic money system
KR20100134300A (en) * 2009-06-15 2010-12-23 에스케이 텔레콤주식회사 Integrated electronic money management system and national integrated electronic money management method
KR20160130929A (en) * 2015-05-05 2016-11-15 고재량 System and Method for Applying for Currency Exchange Services in Mobile with Chinese Cross Border ePayment Services Using a Rechargeable Prepaid Card
KR20160133704A (en) * 2015-05-13 2016-11-23 주식회사 우리은행 System for processing realtime payment transaction using overseas prepayment cash and method thereof
KR101689815B1 (en) * 2015-11-20 2016-12-27 김민찬 Financial transaction service system using virtual sharing account

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