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WO2018169124A1 - Système de gestion intégrée mettant en oeuvre une monnaie virtuelle, système de gestion domestique et procédé de gestion intégrée - Google Patents

Système de gestion intégrée mettant en oeuvre une monnaie virtuelle, système de gestion domestique et procédé de gestion intégrée Download PDF

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Publication number
WO2018169124A1
WO2018169124A1 PCT/KR2017/004271 KR2017004271W WO2018169124A1 WO 2018169124 A1 WO2018169124 A1 WO 2018169124A1 KR 2017004271 W KR2017004271 W KR 2017004271W WO 2018169124 A1 WO2018169124 A1 WO 2018169124A1
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WO
WIPO (PCT)
Prior art keywords
management system
payment
card
virtual currency
request
Prior art date
Application number
PCT/KR2017/004271
Other languages
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 WO2018169124A1 publication Critical patent/WO2018169124A1/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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • 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
    • G06Q20/40—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
    • 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
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

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 freely available to cross the domestic virtual currency generated in Korea and the virtual currency generated in foreign countries, in particular by using the virtual currency held by the customer to exchange the currency of other countries It is to provide a system that can register and use a prepaid card and a system that supports the settlement process between each operator.
  • 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 card registration unit configured to receive a registration request from a customer terminal for a card issued by the second station management system and to register and receive a payment approval request for payment using the card from the second station management system.
  • a payment processing unit for receiving payment confirmation from the first station management system to approve payment
  • a settlement processing unit for receiving a settlement request from the second station management system and transmitting a settlement request to the first station management system.
  • the card may include an anonymous prepaid card.
  • 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 payment validity check may include an inquiry about at least one of the balance of the virtual currency held by the customer terminal, the balance of the real currency in which the virtual currency is exchanged, or the trading 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 when a customer uses a virtual currency issued or managed by a management system of another country to purchase with a seller affiliated with the customer, issues a card for the customer to purchase.
  • the customer terminal may further include a currency exchange processing unit for converting and recording the virtual currency held by the customer terminal in a currency designated by the customer terminal.
  • 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 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.
  • the card may include an anonymous prepaid card.
  • the card may be used after being registered in the integrated management system at the request of the customer terminal.
  • a virtual money integrated management method includes an integrated management system for managing virtual money, a seller and a customer affiliated with a second country management system using virtual money issued or managed by the first country management system.
  • CLAIMS What is claimed is: 1. A method of managing the virtual currency for purchase activities performed between the steps of: receiving a registration request for a card issued by the second station management system for use in payment for the purchase from the customer terminal; Processing a registration for the second station management system and notifying the second station management system; receiving a payment approval request from the second station management system for purchase activity between the customer and the seller using the card; Transmitting the settlement approval to the station management system, the settlement request from the second station management system Receiving a, and a step of sending a settlement request to the management system the first station.
  • 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 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 card may include an anonymous prepaid card.
  • the currency of another country can be exchanged and the prepaid card can be registered and used in the corresponding country, thereby supporting the settlement process between each operator.
  • 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, 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 card registration unit 110, a payment processing unit 120, and a settlement processing unit 130.
  • 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 a second station which is a different country from the first station.
  • the second station management system 202 for a second station which is a different country from the first station.
  • the card registration unit 110 processes card registration when a customer acquires a card issued by the second station management system 202 and requests a registration of the customer terminal 400.
  • the card can take the form of an anonymous prepaid card.
  • the card registration unit 110 notifies the second station management system 202 that the card registration is completed after the card registration processing is completed.
  • the payment processing unit 120 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 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 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 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.
  • 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 currency exchange processor 210, a card issuer 220, a payment processor 230, and a settlement processor 240.
  • the exchange processor 210 exchanges the virtual currency held by the customer in the currency desired by the customer at the request of the customer terminal 400. At this time, the exchange is not actually provided to the customer in the real currency of the currency, but is performed as a process recorded in the account for the customer terminal 400. For example, when receiving a currency exchange request in dollars for a thousand points held by the customer terminal 400, the exchange rate is processed by, for example, $ 100 according to a predetermined exchange rate and recorded in the account of the customer.
  • the card issuing unit 220 issues and processes a card that can be used in a corresponding country when a customer having a virtual currency managed in another country wants to perform a purchase activity with a seller managed by the domestic management system 200.
  • the card may be a physical card in the form of an anonymous prepaid card.
  • the payment processor 230 requests a payment approval request from the seller terminal 300 when the customer terminal 400 having virtual currency managed by the domestic management system 200 of another country has made a purchase activity with a seller associated with it. Accept and process payment authorization.
  • the payment processing unit 230 may perform payment approval after the validation is completed by inquiring the integrated management system 100 of the check of the balance of the virtual account for the customer, the exchange check and the availability of the payment.
  • the payment processing unit 230 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 240 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 to process the settlement.
  • the settlement processing unit 230 transmits a settlement request for the settlement 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 230.
  • the settlement is received in such a way that the payment of payment from the domestic management system 200 of another country.
  • 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 a customer has a virtual currency issued by the first station management system 201 or managed by the first station management system 201, the purchaser and the purchaser of the second country can use the virtual currency.
  • a customer has a virtual currency issued by the first station management system 201 or managed by the first station management system 201, the purchaser and the purchaser of the second country can use the virtual currency.
  • the virtual currency issued by the first station management system 201 or managed by the first station management system 201
  • the customer terminal 400 transmits a currency exchange request to the first station management system 201 in a designated currency for at least some of the virtual currency held by the customer (S410).
  • the first station management system 201 converts the virtual currency into the corresponding currency for the amount requested by the client terminal 400 (S420).
  • the exchanged amount is not provided to the customer in real, but the account for the customer is recorded.
  • the exchange rate is determined according to the exchange rate determined by the first management system 201.
  • the customer then acquires a card issued and distributed by the second station management system 202.
  • a customer may visit a second country and obtain a card at a variety of accessible places, such as an airport, a convenience store, and a newsstand in the second country.
  • the customer terminal 400 transmits a registration request for the acquired card to the integrated management system 100 (S430).
  • the customer terminal 400 may transmit the card information recorded on the card to the integrated management system 100.
  • the integrated management system 100 registers the card with respect to the customer terminal 400 (S440).
  • the integrated management system 100 notifies the second station management system 202 of the registration completion result of the customer terminal 400 for the card (S450).
  • the integrated management system 100 processes the ledger ledger (S460), and transmits the ledger ledger instruction to the first station management system 201 and the second station management system 202 (S461, S462).
  • the first station management system 201 and the second station management system 202 then complete the ledger bookkeeping process (S463 and S464).
  • the contents of the ledger are booked with card information. For example, customer information, card number and domestic management system information that issued the card may be listed.
  • FIG. 5 is a flowchart illustrating a virtual currency management method according to another embodiment of the present invention.
  • a customer who completes card registration as shown in FIG. 4 requests a payment by purchasing goods or services from a seller and presenting a registered card. That is, the seller terminal 300 receives a payment request using a registration card from a seller, a customer, or a customer terminal 400 (S510).
  • the seller terminal 300 transmits the card information and payment information, etc. to the second station management system 202 and transmits a payment approval request (S520).
  • the second station management system 202 transmits a payment approval request to the integrated management system 100 (S521).
  • the integrated management system 100 transmits a payment condition check query for the virtual currency held by the corresponding customer terminal 400 to the first station management system 201 (S530).
  • a payment condition check query for the virtual currency held by the corresponding customer terminal 400 to the first station management system 201 (S530).
  • the integrated management system 100 such as whether or not to limit the virtual currency that can be used for payment may make a payment validity query of the virtual currency.
  • the first station management system 201 transmits an answer to the payment condition inquiry to the integrated management system 100 (S531).
  • 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 (S540).
  • the second station management system 202 transmits the payment approval to the seller terminal 30 (S541).
  • the seller delivers the purchased goods or services to the customer, and the seller terminal 300 processes the payment and completes the sale (S550).
  • the integrated management system 100 registers the payment contents according to the payment approval (S560), and transmits the ledgerbook instruction to the first and second station management systems 201 and 202 (S561 and S562).
  • the first station and second station management systems 201 and 202 then process the ledger badge, respectively (S563 and S564).
  • the contents of the ledger are booked with payment approval information. For example, the card number, payment authorization time and payment authorization amount may be listed.
  • the seller terminal 300 transmits a settlement request to the second station management system 202 (S570). Then, the second station management system 202 completes the settlement process to the seller terminal 300 (S571). 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 (S580). Subsequently, the integrated management system 100 transmits a settlement request to the first station management system 201 (S581).
  • the first station management system 201 subtracts the exchanged currency or virtual currency held by the customer terminal 400 (S590). And the 1st station management system 201 processes a settlement by sending the said payment amount to the 2nd station management system 202 (S591). In this case, when the customer terminal 400 does not perform a currency exchange process, the first station management system 201 may exchange currency into a real currency or a predetermined real currency used by the second station management system 202 for settlement. .
  • 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 customer can freely register his / her virtual currency in another country by acquiring and registering a bearer prepaid card that can be freely used in another country, which is issued or managed by the first country management system 201. It can be used to operate the virtual currency system suitable for the international environment, and can increase the customer's convenience of using virtual currency.
  • 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

Un système de gestion intégrée, selon un mode de réalisation de la présente invention, est un système de gestion intégrée permettant de 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 opération d'achat auprès d'un vendeur ayant un partenariat avec un système de gestion d'un second pays. Le système de gestion intégrée comprend : une unité d'enregistrement de carte destinée à recevoir, en provenance d'un terminal client, une demande d'enregistrement pour une carte émise par le système de gestion du second pays et à enregistrer celle-ci ; une unité de traitement de paiement destinée à recevoir une demande d'autorisation de paiement en provenance 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 en provenance du système de gestion du second pays et à transmettre la demande de règlement de compte au système de gestion du premier pays.
PCT/KR2017/004271 2017-03-14 2017-04-21 Système de gestion intégrée mettant en oeuvre une monnaie virtuelle, système de gestion domestique et procédé de gestion intégrée WO2018169124A1 (fr)

Applications Claiming Priority (2)

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KR1020170032005A KR20180104991A (ko) 2017-03-14 2017-03-14 가상 화폐를 이용한 통합 관리 시스템, 국내 관리 시스템 및 통합 관리 방법
KR10-2017-0032005 2017-03-14

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Citations (5)

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