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WO2018169122A1 - Système de gestion intégré pour monnaie virtuelle, système de gestion domestique et procédé de gestion intégré associé - Google Patents

Système de gestion intégré pour monnaie virtuelle, système de gestion domestique et procédé de gestion intégré associé Download PDF

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Publication number
WO2018169122A1
WO2018169122A1 PCT/KR2017/004269 KR2017004269W WO2018169122A1 WO 2018169122 A1 WO2018169122 A1 WO 2018169122A1 KR 2017004269 W KR2017004269 W KR 2017004269W WO 2018169122 A1 WO2018169122 A1 WO 2018169122A1
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WO
WIPO (PCT)
Prior art keywords
management system
station
integrated
currency
integrated management
Prior art date
Application number
PCT/KR2017/004269
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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 WO2018169122A1 publication Critical patent/WO2018169122A1/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
    • 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
    • G06Q20/40—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
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • 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
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0226—Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems
    • 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
    • G06Q30/00—Commerce
    • G06Q30/04—Billing or invoicing

Definitions

  • the present invention relates to an integrated management system of virtual currency, a domestic management system, and a method for integrated management thereof.
  • 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 by the present invention is to provide a system that supports freely to cross the domestic virtual currency generated in Korea and the virtual currency generated abroad, and to support the settlement process between each operator.
  • the integrated management system manages the virtual currency when a customer makes a purchase activity with a seller affiliated with the second station management system using a virtual currency issued or managed by the first station management system.
  • An integrated management system comprising: a payment processing unit that processes a payment process for a payment approval request from the second station management system, and receives a settlement request from the second station management system, and transmits a settlement request to the first station management system. It includes a settlement processing unit.
  • 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 second station management system.
  • the first station management system may settle the settlement amount in real currency to the second station management system.
  • It may further include a purchase management unit for providing information on the goods or services that the seller intends to sell to the customer terminal and processing the purchase process.
  • the apparatus may further include a deposit management unit configured to manage a deposit received from the first station management system or the second station management system.
  • the deposit management unit may further include a designated currency issuing unit that issues a designated currency for the first station management system or the second station management system in response to the deposit received.
  • the first station management system may settle the settlement amount to the designated currency to the second station management system.
  • the designated currency issuing unit may process the selling or buying of the designated currency at the request of the first station management system or 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 payment processing unit may transmit a payment condition query to the first country management system and transmit whether to approve payment to the second country management system according to the result.
  • the transaction management unit receives the payment approval request from the seller and approves the payment, and integrates the virtual currency. It may include a settlement processing unit for transmitting a settlement request according to the payment approval to the management system.
  • the settlement processing unit may be settled using real money from the management system of the other country.
  • the transaction manager may perform a ledger book according to the payment approval.
  • the system may further include a designated money management unit configured to transmit a deposit to the integrated management system and receive and manage a designated currency corresponding to the deposit.
  • a designated money management unit configured to transmit a deposit to the integrated management system and receive and manage a designated currency corresponding to the deposit.
  • the settlement processing unit may be settled using the designated currency from a management system of the other country.
  • the integrated management system may be asked to sell or buy the designated currency.
  • the integrated management system for managing virtual money is a purchase activity performed by a seller affiliated with a second country management system using a virtual currency issued or managed by the first country management system. And receiving a payment approval request from the second station management system as the second station management system receives a payment approval request from the seller. Inquiring and performing a settlement approval according to the result, receiving a settlement request from the second station management system, and transmitting a settlement request to the first station management system.
  • the method may 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 a deposit from the first station management system or the second station management system.
  • the deposit management unit In response to the deposit received by the deposit management unit, issuing a designated currency for the first station management system or the second station management system.
  • the settlement between the first station management system and the second station management system may be made of real currency or the designated currency.
  • 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. 5 is a flowchart illustrating a virtual currency management method according to another 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, and performs a payment approval procedure for purchase activities between the seller terminal 300 and a customer (not shown), It is a server that handles the settlement between countries according to the domestic management system 200 and payment of other countries through the integrated management system (100).
  • the domestic management system 200 includes a first station management system 201, a second station management system 202, and a third station management system 203 that manage different first, 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 purchase manager 110, a payment processor 120, a settlement processor 130, a deposit manager 140, and a designated currency issuer 150.
  • the purchase management unit 110 provides the customer terminal 400 with information on a product or service that the seller wants to sell, and requests the customer terminal 400 for information necessary for purchase to process the purchase process. At this time, the purchase is made when the customer terminal 400 holding the virtual currency managed by the first station management system 201 managing the first station is contracted with the second station management system 202 managing the second station. For example, purchasing goods or services from sellers in two countries.
  • the payment processing unit 120 receives a payment approval request from the second station management system 202 and processes a payment process. For example, the payment processing unit 120 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. have.
  • the payment processing unit 120 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 120, 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 130 When the settlement processing unit 130 receives the settlement request from the domestic management system 202 of the second country, the settlement processing unit 130 transmits the settlement request to the domestic management system 201 of the first country 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. The designated currency will be described again.
  • the deposit management unit 140 manages the deposit of the domestic management system 200. That is, the deposit is received from the domestic management system 200 and deposited in a dedicated account, and the domestic management system 200 informs the status of the deposit according to the inquiry request. In addition, the deposit management unit 140 may return the deposit if necessary at the request of the domestic management system 200.
  • the deposit is the real currency generally used.
  • the designated money issuing unit 150 issues a designated currency for the domestic management system 200 in response to the deposit.
  • the designated currency is a currency concept generated by the integrated management system 100 and is a currency used for settlement between domestic management systems 200 in a system managed by the integrated management system 100.
  • the designated currency issuing unit 150 may process the selling or buying of the designated currency at the request of the first station management system 201 or the second station management system 202.
  • the integrated management system 100 may support exchange and remittance procedures according to a request of a customer for different virtual currencies issued and managed by each of the different domestic management systems 200.
  • 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 transaction manager 210, a settlement processor 220, and a designated currency manager 230.
  • the transaction management unit 210 may be provided from the seller terminal 300 when the customer terminal 400 having a virtual currency managed by the domestic management system 200 of another country has purchased activities with the seller terminal 300 associated with it. Receive a payment authorization request and process payment authorization. In this case, the payment approval may be reviewed for the validity of the virtual currency of the customer from the domestic management system 200 of another country through the integrated management system 100.
  • the transaction management unit 210 manages the ledger by performing the ledger book according to the instructions of the integrated management system 100 after payment approval.
  • the settlement processing unit 220 transmits a settlement request according to the payment approval to the integrated management system 100 according to the contents of the ledger book managed by the transaction management unit 210. 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.
  • the designated currency management unit 230 transmits a deposit to the integrated management system 100 and receives and manages a designated currency corresponding to the deposit.
  • the designated currency may be used in settlement with the domestic management system 200 of another country.
  • the designated currency management unit 230 records and manages the current balance of the designated currency and the history of use, and may process the requested currency for sale or the purchase of the designated currency from the integrated management system 100 when there is insufficient or overholding. have.
  • 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 second station management system 202 receives a payment approval request from the seller terminal 300. (S410).
  • the second station management system 202 completes payment approval in cooperation with the integrated management system 100 and the first station management system 201 (S420).
  • the first station management system 201 may perform a review on whether the customer holds the virtual currency above the purchase amount and the validity of the virtual currency, and transmit the result of the review to the second station management system 202.
  • the integrated management system 100 processes the transaction book ledger according to the payment approval result (S430). In addition, the integrated management system 100 transmits a ledger instructing instruction to the first station management system 201 and the second station management system 202 (S440).
  • the first station management system 201 and the second station management system 202 process the ledger badge, respectively (S451 and S452).
  • the second station management system 202 transmits a settlement request to the integrated management system 100 for the payment approval amount according to the contents of the ledger book (S460). Then, the integrated management system 100 transmits a settlement request to the first station management system 201 (S470).
  • the first station management system 201 deducts virtual currency such as points from the customer account, and exchanges it (S480).
  • the first station management system 201 performs a settlement process by transferring the exchange amount to the second station management system 202 (S490).
  • the exchange processing and the amount transfer may be directly performed by the first country management system 201 or through a linked financial institution, and the second country management system 202 may also receive the amount directly or through an associated financial institution. have.
  • FIG. 5 is a flowchart illustrating a virtual currency management method according to another embodiment of the present invention.
  • the first station management system 201 transmits a request for issuing a designated currency to the virtual currency integrated management system 100 (S510). Then, the virtual currency integrated management system 100 requests a deposit deposit from the first station management system 201 (S511), and the first station management system 201 transmits a deposit to the virtual currency integrated management system (S512). .
  • the virtual currency integrated management system 100 deposits a deposit and issues a designated currency corresponding to the first station management system 201 (S520). Then, the issued designated currency is notified to the first station management system 201 (S521).
  • the seller of the second country transmits a payment request to the second station management system 202 (S410).
  • the second station management system 202 completes payment approval in cooperation with the integrated management system 100 and the first station management system 201 (S420).
  • the integrated management system 100 processes the transaction contents in the ledger according to the payment approval result (S430), and the integrated management system 100 is the first station management system 201 and the second station management system.
  • the command is sent to the ledger instructor.
  • the first station management system 201 and the second station management system 202 process the ledger badge, respectively (S451 and S452).
  • the second station management system 202 transmits a settlement request to the integrated management system 100 for the payment approval amount according to the contents of the ledger book (S460). Then, the integrated management system 100 transmits a settlement request to the first station management system 201 (S470).
  • the first station management system 201 subtracts a virtual currency such as a point from a customer account (S530), and completes a settlement by transmitting a designated currency corresponding to the virtual currency to the second station management system 202 (S530). ).
  • the settlement can be performed by deducting the designated currency balance recorded for the first station management system 201 and increasing the designated currency balance recorded for the second station management system 202.
  • the settlement process can be made more freely with the designated currency that is promised and used without the need for an exchange process between countries.
  • 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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Abstract

Selon un mode de réalisation, la présente invention porte sur 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 pour effectuer une activité d'achat auprès d'un vendeur en partie avec un système de gestion d'un second pays. Le système de gestion intégré comprend : une unité de traitement de paiement pour traiter un processus de paiement par rapport à une demande d'autorisation de paiement provenant du système de gestion du second pays ; 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/KR2017/004269 2017-03-14 2017-04-21 Système de gestion intégré pour monnaie virtuelle, système de gestion domestique et procédé de gestion intégré associé WO2018169122A1 (fr)

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KR10-2017-0032003 2017-03-14
KR1020170032003A KR20180104989A (ko) 2017-03-14 2017-03-14 가상 화폐의 통합 관리 시스템, 국내 관리 시스템 및 그의 통합 관리 방법

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WO2018169122A1 true WO2018169122A1 (fr) 2018-09-20

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KR102201944B1 (ko) 2019-02-20 2021-01-12 (주)네오프레임 가상통화 거래 시스템
KR102462555B1 (ko) 2022-03-03 2022-11-04 주식회사 올리고컴퍼니 지역 재화 통합 관리 방법 및 시스템

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