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WO2018169125A1 - Système de gestion intégré au moyen d'une monnaie virtuelle, système de gestion domestique et procédé de gestion intégrée - Google Patents

Système de gestion intégré au moyen d'une monnaie virtuelle, système de gestion domestique et procédé de gestion intégrée Download PDF

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Publication number
WO2018169125A1
WO2018169125A1 PCT/KR2017/004272 KR2017004272W WO2018169125A1 WO 2018169125 A1 WO2018169125 A1 WO 2018169125A1 KR 2017004272 W KR2017004272 W KR 2017004272W WO 2018169125 A1 WO2018169125 A1 WO 2018169125A1
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WO
WIPO (PCT)
Prior art keywords
management system
payment
coupon
seller
integrated management
Prior art date
Application number
PCT/KR2017/004272
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 WO2018169125A1 publication Critical patent/WO2018169125A1/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
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • 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
    • G06Q20/387—Payment using discounts or coupons
    • 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, 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 by the present invention is to support the freely available to cross the domestic virtual currency generated in Korea and the virtual currency generated in overseas, and in particular to purchase coupons that can be used in other countries using the virtual currency held by the customer It is to provide a system that supports the settlement process between the system and each provider.
  • 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: an information providing unit providing coupon information to a customer terminal by receiving and registering a coupon registration request from a seller terminal, a payment processing unit receiving a payment request for the coupon from the customer terminal and processing a payment approval; And a settlement processing unit which receives a settlement request for the sale amount of the coupon from the second station management system and transmits a settlement request to the first station management system.
  • the payment processing unit may receive a payment validity confirmation from the first country management system and process the payment approval.
  • 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 apparatus may further include a member manager configured to process a member registration and login request for the customer, and the payment 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 second station management system.
  • 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 coupon may be used to purchase goods or services provided by the seller or an affiliate affiliated with the seller.
  • the domestic management system is an integrated management system for a first customer to provide a first coupon provided by a first seller affiliated with the first customer using a first virtual currency issued or managed by the first country management system.
  • the settlement processing unit receives the settlement request from the first seller terminal, and the second coupon provided by the second seller affiliated to the second country management system using the virtual currency by the second customer.
  • the payment management unit receives a payment validity confirmation from the integrated management system and transmits an answer.
  • the settlement processing unit may be settled using real money from the first station management system or settled using real money to the second station management system.
  • the payment processing unit may perform a ledger book according to 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 first coupon is used to purchase a product or a service provided by the first seller or an affiliate affiliated with the first seller
  • the second coupon is an affiliate affiliated with the second seller or the second seller. It can be used to purchase goods or services offered by.
  • an integrated management system for managing virtual money is provided between a seller and a customer affiliated with a second country management system using a virtual currency issued or managed by the first country management system.
  • a method of managing the virtual currency for a purchase activity comprising: receiving a coupon registration request from a seller terminal, providing coupon information to a customer terminal by registering the coupon, and paying for the coupon from the customer terminal Receiving a request, performing the payment approval, transmitting the coupon to the customer terminal, receiving a settlement request from the second station management system, and making a settlement request to the first station management system. Transmitting.
  • the first station management system may further comprise the step of requesting the payment validity check 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.
  • a coupon that can be used in another country can be purchased and used in the corresponding country, and accordingly, the settlement process between each operator is supported. It is possible to operate a virtual currency system suitable for the environment, and increase the convenience of customers for using 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 integrated management system 100 may provide the customer terminal 400 with information about a product or service that the seller terminal 300 intends to sell.
  • 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 an information provider 110, a member manager 120, a payment processor 130, and a settlement processor 140.
  • 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 information providing unit 110 may receive the coupon information that the seller intends to sell from the seller terminal 300 and receive a registration request from the seller terminal 300, and provide it to the customer terminal 400. For example, when the seller terminal 300 sends a coupon registration request to the information providing unit 110 to purchase a product or service related to him or his affiliate company, the information providing unit 110 completes the information review.
  • the coupon information may be posted on a web page to which the customer terminal 400 accesses.
  • the member manager 120 registers and manages information about the domestic management system 200, the seller terminal 300, and the customer terminal 400.
  • the member manager 120 receives a member registration request and a login request from the client terminal 400 and performs a user authentication process for the customer to log in.
  • 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 payment processor 210 and a settlement processor 220.
  • the payment processing unit 210 when the customer terminal 400 having a virtual currency managed by the domestic management system 200 of another country tries to purchase a coupon to be sold by a seller affiliated with it, the integrated management system 100 Receives a payment validity verification inquiry, such as inquiries about whether to check the balance of the virtual account and whether or not the payment from the customer from and sends an answer.
  • the payment processing unit 210 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 220 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.
  • 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 210.
  • 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 coupon of a seller affiliated with the second station management system 202 in the second station.
  • a coupon of a seller affiliated with the second station management system 202 in the second station.
  • the coupon may be used to purchase a product or a service provided by a seller or an affiliate affiliated with the seller.
  • the seller terminal 300 transmits a coupon registration request to the integrated management system 100 (S410).
  • the integrated management system 100 registers the coupon after the seller terminal 300 completes the validity check on the coupon requested for registration (S420).
  • the coupon of the seller terminal 300 is posted on the web page and the like that the customer terminal 400 can access and look up.
  • 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 (S430). 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 (S431).
  • the customer terminal 400 transmits a coupon information inquiry request to the integrated management system 100 (S440).
  • the integrated management system 100 transmits the coupon information inquiry result to the customer terminal 400 (S441).
  • the customer terminal 400 selects a coupon to purchase from the received coupon information inquiry result and transmits a purchase request to the integrated management system 100 (S450). Then, 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 (S460). For example, the payment validity query of the virtual currency may be inquired, such as whether the balance of the virtual currency held by the customer terminal 400 is greater than the payment amount and whether the virtual currency that can be used for payment is limited. The first station management system 201 transmits an answer to the payment condition inquiry to the integrated management system 100 (S461).
  • the integrated management system 100 transmits a payment approval and a coupon to the customer terminal 400 when there is no problem in the payment result of the first station management system 201 (S462).
  • the integrated management system 100 notifies the second station management system 202 of the coupon sale result (S463).
  • the integrated management system 100 registers the payment contents according to the payment approval (S470), and transmits the ledgerbook instruction to the first and second station management systems 201 and 202 (S471 and S472).
  • the first station and second station management systems 201 and 202 then process the ledger badge, respectively (S473 and S474).
  • the seller terminal 300 transmits a request for settlement of the coupon sale amount to the second station management system 202 (S480). Then, the second station management system 202 completes the settlement process by remitting the coupon sales amount to the seller terminal 300 (S481). 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 (S490). Subsequently, the integrated management system 100 transmits a settlement request to the first station management system 201 (S491).
  • the first station management system 201 subtracts the virtual currency held by the customer terminal 400 and exchanges the real currency or the predetermined real currency used by the second station management system 202 (S492). And the 1st station management system 201 processes a settlement by sending the said payment amount to the 2nd station management system 202 (S493).
  • 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 purchase coupons that can be freely used in the second country which is another country through the online system provided by the integrated management system 100.
  • 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

La présente invention concerne un système de gestion intégré, selon un mode de réalisation, qui consiste en un système de gestion intégré 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 en vue d'effectuer une activité d'achat auprès d'un vendeur en association avec un système de gestion d'un second pays. Le système de gestion intégré comprend : une unité de fourniture d'informations permettant de fournir des informations de coupon à un terminal client par réception et enregistrement d'une demande d'enregistrement de coupon provenant d'un terminal vendeur ; une unité de traitement de paiement permettant de recevoir, en provenance du terminal client, une demande de paiement pour le coupon et de traiter une autorisation de paiement ; et une unité de règlement de compte permettant de recevoir, en provenance du système de gestion du second pays, une demande de règlement de compte pour la quantité de ventes du coupon et de transmettre la demande de règlement de compte au système de gestion du premier pays.
PCT/KR2017/004272 2017-03-14 2017-04-21 Système de gestion intégré au moyen d'une monnaie virtuelle, système de gestion domestique et procédé de gestion intégrée WO2018169125A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
KR10-2017-0032006 2017-03-14
KR1020170032006A KR20180104992A (ko) 2017-03-14 2017-03-14 가상 화폐를 이용한 통합 관리 시스템, 국내 관리 시스템 및 통합 관리 방법

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WO2018169125A1 true WO2018169125A1 (fr) 2018-09-20

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* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20040073779A (ko) * 2003-02-14 2004-08-21 김성조 통합 승인 처리, 새로운 충전 기능들 또는 카드간 송금기능을 구비하는 선불 카드 시스템들 및 관련 방법들
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KR20100137373A (ko) * 2009-06-22 2010-12-30 주식회사 하나은행 해외 환자와 국내 병원의 중계 시스템 및 중계 방법
KR20110001042A (ko) * 2009-06-29 2011-01-06 에스케이 텔레콤주식회사 금융 결제와 통신 기능이 통합된 모바일 카드, 이를 이용한 해외 금융 결제 시스템 및 그 방법
KR20120098978A (ko) * 2012-06-29 2012-09-06 김재현 국가별 금융사 식별 번호를 이용하는 국제 선불 카드의 결제 시스템 및 국제 선불 카드의 결제 방법

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