KR101879353B1 - Mediation Service System and Method using Virtual Money - Google Patents

Abstract

The present invention provides a virtual currency brokerage service system and a method thereof which use a short-range wireless network (beacons, Wi-Fi, Bluetooth, NFC, etc.) to acquire positions of users with an application to display a remittee in a short distance from a user so as to simply transmit without inputting specific information. The virtual currency brokerage service system includes a virtual currency brokerage server having a virtual currency brokerage application downloaded to be installed therein and providing a financial brokerage service including virtual currency recognition, remittance processing, approval, balancing, and account management based on virtual currency brokerage performed by an application installed between users verified via a short-range wireless network by portable terminals whose positions are verified via the short-range wireless network.

Description

[0001] The present invention relates to a virtual money brokerage service system,

The present invention relates to a virtual money brokerage service system and method. More particularly, the present invention relates to a virtual money brokerage service system and a virtual money brokerage service system using a short distance wireless network (beacon, Wi-Fi, Bluetooth, NFC, And more particularly, to a system and method for a virtual money brokerage service that can be transmitted simply by displaying a user who is remotely located in a vicinity and a user who does not need to transfer money.

Currently, the development of the Internet based network has brought about a great transformation in information and transactions, and the era of sharing all information and trading without borders is rapidly approaching.

In addition, the creation of virtual space through the network is creating a variety of services and online real-time transactions within the virtual space, and the specialized information and e-commerce on-line are activated as well as real transactions and various agency services to be.

Accordingly, service companies in various fields such as credit card, mobile communication, beauty, game, and dining service issue membership cards to provide cardholder marketing services. In addition to the membership points provided by membership marketing services, companies such as instant messengers, Internet shopping malls, or Internet games provide virtual money (cyber money) that can be used to access items or services have.

However, such a virtual currency is not worth using other than providing the corresponding virtual currency, and there is also a problem in that it is not possible to use in-kind settlement such as transferring or exchanging virtual money held by an individual to another person.

Bitcoin, a kind of digital virtual money that can be paid for in-kind goods, has been proposed recently. Bitcoin is a digital virtual currency created by Satoshi Nakamoto in 2009, and has a structure that does not have a central device to issue and manage currency. Instead, the transaction of the bit coin is performed by a peer-to-peer network (P2P) -based distributed database, and transactions are performed based on the public key cryptosystem.

As such, there are bit coin, light coin, dark coin, name coin, pottery coin, and ripple in addition to bit coin, and a common feature of these are the trader bit coin The block chain technique is used to collect and store all the transactions that have been performed online using the digital virtual currency that is included. By using this block chain technique, all users can store digital virtual currency with electronic wallet, Bit coin, light coin, dark coin, name coin, pottery coin, and ripple are referred to as digital virtual money using a block chain because transmission and settlement are performed.

For this reason, if you change your membership points or cyber money to digital virtual currency with a block chain, you can make a payment with digital virtual currency that has a block chain with no limit to the number of merchants / service providers.

However, since the digital virtual currency having a block chain used as a payment means fluctuates frequently like the exchange rate of real currency, it is difficult to exchange membership points or cyber money, which is a fixed price, into digital virtual currency having a block chain There is a problem.

Moreover, since membership points and cyber money values provided in various industries are also different from each other, it is also difficult to exchange membership points or cyber money into digital virtual currency having a block chain.

For this reason, even in the floating market of digital virtual currency having a block chain, membership points or cyber money, which are served in various industries and have different values, can be converted into digital virtual currency having a block chain whose value is constantly fluctuated at any time There is a need for a means for enabling real-time conversion.

Patent Registration No. 10-0645626 (registered date 2006.11.06) Patent Registration No. 10-1591244 (registered date: 2016.01.28)

SUMMARY OF THE INVENTION Accordingly, the present invention has been made to solve the above-mentioned problems, and it is an object of the present invention to provide a wireless communication system and a wireless communication method, The present invention provides a system and method for a virtual money brokerage service that can be easily transmitted by displaying a user who is remotely located and a person to be remitted at a short distance.

Other objects of the present invention are not limited to the above-mentioned objects, and other objects not mentioned can be clearly understood by those skilled in the art from the following description.

According to another aspect of the present invention, there is provided a virtual money intermediation service system comprising: a virtual money intermediation application for downloading and installing a virtual money intermediation application, And a virtual money mediating server for providing a financial mediating service including virtual money amount recognition, remittance processing, approval, settlement and account management based on a virtual money mediation performed through installed apps among users identified as network.

Preferably, when the downloaded mobile virtual terminal application is executed, the mobile terminal detects a portable terminal connected to the other portable terminals in the vicinity of which the location is confirmed by the short-range wireless network and is connected to the virtual money intermediation server, The account information including the amount of the virtual currency of the terminal is received and displayed on the screen.

An input window is displayed in which a virtual amount and a password to be remitted in the virtual money amount deposited in the virtual account are inputted and the selected user is remitted to the selected user after the specific user is selected.

Preferably, the virtual money mediating server includes a user confirmation unit for confirming whether a user is connected through a friend in a virtual money relay application based on a portable terminal whose location is confirmed by a short-range wireless network, An account generating unit for generating account information including the amount of virtual money deposited in the account detected by the account detecting unit and providing the account information to a virtual currency relay application installed in the portable terminal; A transaction history confirmation unit for confirming a transaction history of a virtual currency made between users who are connected to each other through a virtual currency relay application installed in the portable terminal; and a user who holds the virtual currency transaction details confirmed by the transaction history confirmation unit The gold of a virtual currency deposited in a virtual account The virtual money transaction history information of the user connected to the friend through the virtual money relay application, and the virtual money transaction details of the user connected by the friend connection, and the virtual account held by each user and the deposited virtual money A transaction history temporary storage unit for temporarily storing the amount of changed virtual money in the virtual account updated in the transaction history processing unit until transaction approval is made; And a transaction acceptance unit for newly establishing an account of the virtual currency and transferring the transaction to the virtual money financial server for managing the transaction, and receiving the transaction approval.

According to another aspect of the present invention, there is provided a virtual money intermediation service method comprising: (A) when a virtual money relay application downloaded and installed in a portable terminal is executed, (B) detecting a virtual account held by the detected portable terminal through the account detecting unit through identification of a telephone number of the portable terminal; and (C) Detecting the account information and the portable terminal information including the amount of the virtual money deposited in the virtual account in the account creation unit based on the virtual account information, and delivering the information to each portable terminal; (D) Selecting a user to be remitted from the portable terminal and inputting a remittance amount; (F) If it is determined that the remittance is possible, a password input window is displayed on the screen, and a password is input and a match with a previously set password is confirmed (G) displaying, on the screen, that the remittance to the virtual account of the selected user is completed when the password is matched as a result of the password coincidence check, (H) displaying the confirmed virtual currency transaction Updating the amount of the virtual money deposited in the virtual account held by the user on the basis of the history of the virtual currency transaction and temporarily storing the amount of the virtual currency in the transaction history temporary storage unit; A step of receiving and accepting a final virtual currency transaction approval by transferring the money to a virtual money money server for managing an account and managing the account, (J) updating the virtual money amount information per user stored in the storage unit using the update information temporarily stored in the transaction history temporary storage unit, when the approval from the virtual money financial server is permitted; (K) And deleting the update information temporarily stored in the transaction details temporary storage unit and transmitting the transaction failure information to the portable terminal of the user who has made the financial transaction.

Preferably, the step (B) comprises the steps of depositing a virtual money in advance through a virtual money banking server, depositing a virtual money obtained through any one of events, purchases, and points into its new virtual bank, And receiving the virtual account information and the deposited virtual money amount information newly installed for each portable terminal from the financial server through the detection unit, and storing the received virtual money amount information in the storage unit.

Preferably, the step (C) is characterized in that the user information having the detected portable terminal and the telephone number of the portable terminal are displayed on the screen.

Preferably, the step (D) includes the steps of: selecting at least one of the users displayed on the screen to transfer money; displaying a balance and remittance amount input window of virtual money deposited in the virtual account of the user, The method comprising the steps of:

Preferably, the step (E) is characterized in that it is determined that remittance is impossible when the remittance amount inputted is greater than the remaining amount of the virtual money deposited in the virtual account, or when the location confirmation through the short-range wireless network is interrupted.

Preferably, in the step (F), the confirmation of whether or not the password is coincident is limited to five consecutive checks, and if it is incorrect five times, the remittance is performed again from the input of the remittance amount.

Preferably, the step (H) includes the steps of subtracting the virtual money amount from the virtual account of the user who remitted by the remitted amount, adding the virtual money amount in the virtual account of the remitted user, And displaying the information on demand through the portable terminal screen.

As described above, the virtual money brokerage service system and method according to the present invention have the following effects.

First, by locating the users who have installed the app (application) by using the short distance wireless network (beacon, WiFi, Bluetooth, NFC, etc.), users can easily and easily transfer remittance transactions with simple touch function without inputting specific information Do.

Second, by providing a financial transaction service for remittance processing, approval, storage, and confirmation through a simple touch between nearby people using the app, it is possible to reduce the inconvenience of inputting an account number when using a service to a user who requests a financial transaction service The convenience of the user can be improved.

Thirdly, by using a virtual account charged with virtual money, a transfer service can be performed without burdening the user with the cost of transferring the account transferred to the financial transaction service.

1 is a block diagram illustrating a configuration of a virtual money intermediary service system according to an embodiment of the present invention;
FIGS. 2A to 2D are views showing an embodiment of a screen displayed on the portable terminal in FIG.
3 is a block diagram showing a detailed configuration of the virtual money mediating server in FIG.
4 is a flowchart illustrating a virtual money intermediation service method according to an embodiment of the present invention.

Other objects, features and advantages of the present invention will become apparent from the detailed description of the embodiments with reference to the accompanying drawings.

Preferred embodiments of a virtual money brokerage service system and method according to the present invention will be described with reference to the accompanying drawings. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the invention to those skilled in the art. It is provided to let you know. Therefore, the embodiments described in the present specification and the configurations shown in the drawings are merely the most preferred embodiments of the present invention and are not intended to represent all of the technical ideas of the present invention. Therefore, various equivalents It should be understood that water and variations may be present.

1 is a block diagram illustrating a configuration of a virtual money intermediary service system according to an embodiment of the present invention.

As shown in FIG. 1, the virtual money intermediation service system of the present invention is a virtual money intermediation service system in which a virtual money intermediation application (App.) Is downloaded and installed, The virtual money amount recognition based on the virtual money mediation performed through the installed apps between the portable terminal 100 in which the virtual money remittance service is performed between the users who are identified as the short distance wireless network in the portable terminal 100, And a virtual money intermediation server 200 for providing financial intermediation services including remittance processing, approval, settlement and account management.

2A, when the downloaded and installed virtual money relay application is executed, the portable terminal 100 can receive the location information of the other nearby peripheral devices (e.g., beacon, Wi-Fi, Bluetooth, NFC, The portable terminal connected to the portable terminal is detected and the account information including the amount of the virtual currency of the detected portable terminal is input from the virtual money intermediation server 200 and displayed on the screen. Next, as shown in FIG. 2B to FIG. 2D, after selecting a specific user, a virtual amount and a password to be remitted in the virtual money amount deposited in the virtual account can be inputted and remitted to the selected user, respectively The input window is displayed. And when the transfer is complete, the confirmation of the completion of sending is displayed.

3, the virtual money mediating server 200 is a virtual money mediating application based on the portable terminal 100 whose location is confirmed by a short distance wireless network (beacon, Wi-Fi, Bluetooth, NFC, etc.) An account detection unit 220 for detecting a virtual account held by a user identified by the user identification unit 210, and an account detection unit 220 for detecting a virtual account held by the user, An account creation unit 230 for creating account information including the amount of virtual money deposited in the account detected by the account creation unit 230 and providing the account information to the virtual currency relay application installed in the portable terminal 100, A transaction history verifying unit 240 for verifying a virtual currency transaction history made between users who are connected to each other through the installed virtual currency relay application, A transaction history processing unit 250 for updating the amount of the virtual money deposited in the virtual account held by the user on the basis of the virtual currency transaction details (transfer, withdrawal, etc.) A storage unit 260 for storing the virtual currency transaction history information between the connected user information and the user connected with the friend, the virtual account information held for each user, and the deposited virtual money amount information, and the transaction history processing unit 250 A transaction history temporary storage unit 270 for temporarily storing the changed virtual money in the updated virtual account until the transaction approval is made; and a transaction history storage unit 270 for storing the virtual money transaction details confirmed by the transaction history confirmation unit 250, And a transaction acceptance unit 280 for transferring the account to a virtual money banking server 300 for managing the account.

The operation of the virtual money intermediary service system according to the present invention will be described in detail with reference to the accompanying drawings. 1 to 3 denote the same members performing the same function.

4 is a flowchart illustrating a virtual money mediating service method according to an embodiment of the present invention.

4, when a virtual money relay application downloaded and installed in the portable terminal 100 is executed (S10), the virtual money relay application installed in the portable terminal 100 The portable terminal 100 connected to the portable terminal is detected (S20).

Then, the account detecting unit 220 detects the virtual account held by the portable terminal 100 through the phone number confirmation of the portable terminal 100 (S30). At this time, the virtual account newly creates a virtual account through the virtual money banking server 300, and then deposits the virtual money obtained through the event, purchase, point, etc. in its new virtual account. The account detector 220 receives the virtual account information and the deposited virtual money amount information newly installed for each portable terminal 100 from the financial server 300 and stores the information in the storage unit 260. On the other hand, the basic information of the user should be registered in advance as the subscription condition of the app.

Based on the detected virtual account information, the account creating unit 230 detects the account information and the portable terminal information including the amount of the virtual money deposited in the virtual account, and transmits the account information and the portable terminal information to each portable terminal 100 (S40) . At this time, the account information and the personal information are both encrypted and protected.

FIG. 2A shows an example of a screen displayed on the portable terminal 100 using information transmitted from the account generation unit 230, wherein user information having the detected portable terminal and a telephone number of the portable terminal are displayed.

When it is desired to remit a portion of the virtual money held in the portable terminal 100 (S50), the user who wants to remit the money is input and the remittance amount is input (S60).

FIG. 2B shows an example of a screen displayed on the portable terminal 100 when selecting at least one of the users displayed on the screen for remittance. The screen shows a balance of virtual money deposited in the virtual account of the user, The input window and the user information to be remitted are displayed on the screen.

If the send button is selected after inputting the remittance amount, the remittance amount inputted from the balance of the virtual money deposited in the virtual account of the user is large, or the amount of remittance inputted through the short distance wireless network (beacon, WiFi, Bluetooth, NFC etc.) It is determined whether or not the remittance is possible for reasons such as the location confirmation being disconnected (S70).

If it is determined that the remittance is possible (S70), as shown in FIG. 2C, the password input window is provided on the screen to receive the password from the user and confirm whether or not the password is matched with the preset password S80). At this time, the confirmation of whether or not the password is matched is limited to five consecutive checks, and if it is wrong for five consecutive times, it is performed again from the input of the remittance amount.

If it is determined that the password is matched, it is displayed as shown in FIG. 2D that the remittance has been completed to the virtual account of the selected user (S90). Then, the transaction history confirmation unit 240 displays the virtual money The virtual currency transaction details made between the users who are connected by making friends are confirmed (S100).

Then, based on the virtual currency transaction details (transfer, withdrawal, etc.) confirmed by the transaction history confirmation unit 240 through the transaction history processing unit 250, the amount of the virtual money deposited in the virtual account held by the user is updated And stores it temporarily in the transaction history temporary storage unit 270 (S110). That is, the virtual money amount is subtracted from the virtual account of the user who remitted by the remitted amount, and the virtual money amount is added from the virtual account of the remitted user. The updated amount of the virtual account can be confirmed immediately on the screen of the portable terminal 100.

Meanwhile, an account of the virtual currency is newly established through the transaction approval unit 280, and the account is transferred to the virtual money banking server 300 for managing the virtual money transaction account to request the approval of the final virtual money transaction (S120 ). At this time, the approval method of the virtual currency transaction from the virtual money financial server 300 is performed using a known approval method using the creditworthiness and the remaining balance of the user.

If the approval from the virtual money financing server 300 is permitted (S130), the virtual money amount information for each user stored in the storage unit 260 is updated using the update information temporarily stored in the transaction details temporary storage unit 270 (S140). At this time, the final update confirmation information is transmitted to the portable terminal 100 of the user who made the financial transaction.

In addition, if approval is denied from the virtual money money server 300 (S130), the update information temporarily stored in the transaction details temporary storage unit 270 is deleted (S150) Failure information is transmitted (S160).

As described above, according to the present invention, after receiving the approval request from the financial server 300 after the financial transaction of the virtual currency, the delay time according to the authentication procedure can be solved. As described above, the transaction of the virtual currency can be performed before the authentication procedure is linked to the friend through the information of the portable terminal, so that they can be trusted with each other. Also, since the location confirmation is performed by the short- distance wireless network (beacon, WiFi, Bluetooth, This is because it is safe for financial transactions. Thus, financial transactions are only available for the duration of the app's execution.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments. It will be apparent to those skilled in the art that various modifications may be made without departing from the scope of the present invention. Accordingly, the true scope of the present invention should be determined by the technical idea of the appended claims.

Claims (11)

A virtual currency intermediation application (App.) Is downloaded and installed, and the location is confirmed by a short-range wireless network. A virtual money brokerage server for providing financial brokerage services including money amount recognition, money transfer processing, approval, settlement and account management,
When the downloaded virtual terminal application is executed, the portable terminal detects a portable terminal connected to the other portable terminals in the vicinity of which the location is confirmed by the short-range wireless network and is connected to the virtual money intermediation server, Receives the account information including the amount of the virtual currency and displays it on the screen,
After a specific user is selected, an input window for inputting a virtual amount and a password to be remitted within the virtual money amount deposited in the virtual account and remitting the selected user is displayed,
The virtual money mediating server
A user confirmation unit for confirming whether a user is connected through a friend in a virtual money relay application based on a portable terminal whose location is confirmed by a short-
An account detecting unit for detecting a virtual account held by a user identified by the user confirmation unit;
An account generating unit for generating account information including an amount of virtual money deposited in the account detected by the account detecting unit and providing the account information to a virtual currency relay application installed in the portable terminal;
A transaction history verifying unit for verifying a virtual currency transaction history made between users who are connected via a virtual currency relay application installed in the portable terminal,
A transaction history processing unit for updating the amount of the virtual money deposited in the virtual account held by the user based on the virtual currency transaction details confirmed by the transaction history confirmation unit;
A storage unit for storing user information connected to a friend through a virtual money relay application, virtual money transaction history information made between users connected by making friends, virtual accounts held for each user, and deposited virtual money amount information,
A transaction history temporary storage unit for temporarily storing the changed virtual money amount in the virtual account updated by the transaction history processing unit until transaction approval is made;
And a transaction acceptance unit for accepting the transaction approval by transferring the virtual money transaction history to the virtual money money server for managing the virtual money money account,
Wherein the transaction of the virtual currency is possible only during a period in which the app is executed. delete delete delete (A) a step of detecting a portable terminal connected to a friend of other nearby portable terminals whose location is confirmed by a short-range wireless network when a virtual money relay application downloaded and installed in the portable terminal is executed,
(B) detecting a virtual account held by the detected portable terminal through a phone number check of the portable terminal through an account detecting unit;
(C) detecting, based on the detected virtual account information, the account information including the amount of the virtual money deposited in the virtual account in the account creation unit and the portable terminal information, and transmitting the information to each portable terminal;
(D) inputting a remittance amount after selecting a user to remit from the portable terminal delivered through the screen of the portable terminal,
(E) if the send button is selected on the screen of the portable terminal, determining whether the portable terminal can remit money,
(F) If it is determined that the remittance is possible, the portable terminal displays a password input window on the screen, receives a password, and confirms whether or not the password is identical to the preset password;
(G) displaying, on the screen, that the portable terminal has completed the transfer to the virtual account of the selected user when the password is matched as a result of checking the password,
(H) updating the amount of the virtual money deposited in the virtual account held by the user based on the confirmed virtual currency transaction details through the transaction history processing unit, and temporarily storing the updated amount in the transaction history temporary storage unit;
(I) requesting approval of a final virtual currency transaction by transferring the confirmed virtual currency transaction details to a virtual money banking server for managing a virtual money account and managing the virtual money transaction after the transaction,
(J) updating the virtual money amount information for each user stored in the storage unit using the update information temporarily stored in the transaction details temporary storage unit, when approval from the virtual money financing server is permitted;
(K) deleting the update information temporarily stored in the transaction details temporary storage unit when the approval from the virtual money financial server is denied, and transmitting the transaction failure information to the portable terminal of the user having the financial transaction,
The step (B)
Depositing a virtual currency in the virtual account newly established through a virtual money banking server, virtual money obtained through an event, purchase, or point,
Receiving the virtual account newly established for each portable terminal and the deposited virtual money amount information from the financial server through the account detecting unit, and storing the virtual money amount information in the storage unit,
In the step (C), the user information having the detected portable terminal and the telephone number of the portable terminal are displayed on the screen,
The step (D)
Selecting at least one of the users displayed on the screen for transferring,
A screen for inputting remittance amounts and remittance amounts of virtual money deposited in the virtual account of the user, and user information to be remitted,
The step (E) determines that remittance is impossible if the remittance amount inputted is greater than the remaining amount of the virtual money deposited in the virtual account, or when the location confirmation through the short-range wireless network is interrupted,
In the step (F), confirmation of whether or not the password is coincident is limited to five consecutive checks, and if it is incorrect for five consecutive times,
The step (H)
Subtracting the virtual money amount from the virtual account of the user who has remitted the amount of money that has been forbidden, adding the virtual money amount in the virtual account of the remitted user,
Displaying the updated amount of the virtual account on demand through the screen of the portable terminal,
Wherein the step (J) transfers the last updated confirmation information to the portable terminal of the user who made the financial transaction. delete delete delete delete delete delete

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