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WO2018169123A1 - Système de gestion intégré utilisant une monnaie virtuelle, système de gestion domestique et procédé de gestion intégré - Google Patents

Système de gestion intégré utilisant une monnaie virtuelle, système de gestion domestique et procédé de gestion intégré 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
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English (en)
Korean (ko)
Inventor
한준성
김경호
박정운
손민근
김경태
차상도
전윤서
이승우
최현우
김경은
박회진
김미현
여영석
임동근
김인화
하왕현
Original Assignee
주식회사 하나은행
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 주식회사 하나은행 filed Critical 주식회사 하나은행
Publication of WO2018169123A1 publication Critical patent/WO2018169123A1/fr

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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

La présente invention concerne un système de gestion intégré qui, selon un mode de réalisation de la présente invention, est un système de gestion intégré destiné à gérer une monnaie virtuelle lorsqu'un client utilise la monnaie virtuelle émise ou gérée par un système de gestion d'un premier pays afin d'effectuer une activité d'achat auprès d'un revendeur partenaire d'un système de gestion d'un second pays. Le système de gestion intégré comprend : une unité de génération de code destinée à recevoir, en provenance d'un terminal client, une demande de génération de code à utiliser pour le paiement de l'achat et à transmettre la demande de génération de code au système de gestion du second pays ; une unité de traitement de paiement destinée à recevoir une demande d'autorisation de paiement provenant du système de gestion du second pays, à recevoir une confirmation de validité de paiement en provenance du système de gestion du premier pays et à autoriser le paiement ; et une unité de règlement de compte destinée à recevoir une demande de règlement de compte provenant du système de gestion du second pays et à transmettre la demande de règlement de compte au système de gestion du premier pays.
PCT/KR2017/004270 2017-03-14 2017-04-21 Système de gestion intégré utilisant une monnaie virtuelle, système de gestion domestique et procédé de gestion intégré WO2018169123A1 (fr)

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KR1020170032004A KR20180104990A (ko) 2017-03-14 2017-03-14 가상 화폐를 이용한 통합 관리 시스템, 국내 관리 시스템 및 통합 관리 방법
KR10-2017-0032004 2017-03-14

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