KR102475662B1 - Method and system for managing point using blockchain based on distributed ledger - Google Patents

Abstract

The present disclosure relates to a point management method and system using a blockchain based on a distributed ledger. In one embodiment, in a point management method using a blockchain, receiving payment related information including point information according to card payment at an affiliated store from a payment network through a VPN server, storing the payment related information in a block Provides a point management method using a block chain, which includes the step of block chaining and the step of transmitting information about the block to a user terminal related to card payment.

Description

Point management method and system using blockchain based on distributed ledger {METHOD AND SYSTEM FOR MANAGING POINT USING BLOCKCHAIN BASED ON DISTRIBUTED LEDGER}

The present disclosure relates to a technology for managing points according to card payment using blockchain technology.

Currently, many businesses at home and abroad are operating a mileage point system, one of the compensation programs, as part of marketing expenses that are returned to consumers. According to the mileage point system, certain points are provided and accumulated when payment for product purchase or service use is made, and products are provided for the accumulated points or accumulated points can be used as a payment method.

However, long-term point accumulation is required until the point can be used, and the effect of using the actual point may be somewhat reduced, such as disappearing after a certain period of time. Therefore, it is necessary to develop technology for efficient utilization of points according to payment.

Meanwhile, as cryptocurrency has recently become a hot topic, Block-Chain, the underlying technology of cryptocurrency, is also attracting attention. Blockchain is a distributed data storage environment where small-scale data called 'blocks' are stored in a chain-type link-based distributed data storage environment created based on the P2P method, so that no one can arbitrarily modify it and anyone can view the results of the change. It is a data forgery prevention technology based on computing technology.

In the block, all transaction details that were propagated to users before the corresponding block was discovered are recorded, and since this is transmitted equally to all users in a P2P manner, the transaction details cannot be arbitrarily modified or omitted. A block has a link to the date it was discovered and the previous block, and a set of these blocks is called a block chain. Unlike the existing transaction records stored in the central server when transacting with electronic money, the block chain shows the change record to all users and compares them with each other to prevent counterfeiting.

Therefore, a technology that allows blockchain technology to be used for point management can be introduced, and along with this, a technology that can secure higher reliability and security and manage points more quickly needs to be introduced.

Against the foregoing background, the present disclosure intends to provide a point management method and system using a distributed ledger-based blockchain that can manage payment-related information by using a blockchain server configured in a private network.

In addition, the present disclosure is a distributed ledger capable of receiving payment-related information from a financial network by connecting a financial network and a private network through a VPN server, and converting the received payment-related information into a block chain using a block-chain server configured in the private network for management. It aims to provide a point management method and system using a blockchain based blockchain.

In addition, the present disclosure provides a distributed system that can store payment-related information in a block according to a consensus algorithm of a Delegated Proof of Stake (DPoS) method in a blockchain server configured in two regions provided by a cloud system. We intend to provide a point management method and system using a ledger-based blockchain.

In addition, the present disclosure intends to provide a point management method and system using a distributed ledger-based block chain that can manage point usage information by block chaining.

In addition, the present disclosure intends to provide a point management method and system using a distributed ledger-based block chain that can manage payment cancellation information by block chaining.

An embodiment devised to solve the above problems is a point management method using a blockchain, comprising the steps of receiving payment related information including point information according to card payment at an affiliated store from a payment network through a VPN server; It is possible to provide a point management method using a block chain, which includes the step of storing payment-related information in a block and converting it into a block chain, and the step of transmitting information about the block to a user terminal related to card payment.

Payment-related information may further include customer information, card information, and payment information.

The block chaining step may be performed in a block chain server configured in a cloud system connected through a private network connected to a VPN server.

In the block chaining step, approved payment-related information among payment-related information may be stored in a block using a Delegated Proof of Stake (DPoS) method consensus algorithm.

The consensus algorithm of the delegated proof-of-stake method can determine whether to approve payment-related information through an agreement between two blockchain servers each configured in two regions provided by the cloud system.

In the step of transmitting to the user terminal, information on the block may be transmitted through a wallet server connected to the user terminal.

A point management method using a blockchain includes the steps of receiving payment-related information including point usage information at an affiliated store from a payment network through a VPN server, transmitting the validation result for point usage information to the payment network, and using points. A step of storing payment-related information including information in a block to block chain it and transmitting information about the block to a user terminal may be further included.

A point management method using blockchain is a step of receiving payment-related information including card payment cancellation information at an affiliated store from a payment network through a VPN server, storing payment-related information including card payment cancellation information in a block and making it blockchain. The step of transmitting and transmitting information about the block to the user terminal may be further included.

In addition, in another embodiment, in a point management system using a blockchain, management for receiving payment-related information including point information according to card payment at an affiliated store from a payment network through a VPN server and storing payment-related information It is possible to provide a point management system using a blockchain including a server, a blockchain server that stores payment-related information in a block and converts it into a block chain, and a wallet server that transmits information about the block to a user terminal related to card payment.

Payment-related information may further include customer information, card information, and payment information.

The blockchain server may be configured in a cloud system connected through a private network connected to the VPN server.

The blockchain server can store approved payment-related information among payment-related information in a block using a consensus algorithm of the Delegated Proof of Stake (DPoS) method.

The consensus algorithm of the delegated proof-of-stake method can determine whether to approve payment-related information through an agreement between two blockchain servers each configured in two regions provided by the cloud system.

The wallet server may transmit information about the block to a user terminal connected to the wallet server through the wallet application.

The management server may transmit a validation result for the point usage information to the payment network when payment related information including point usage information at the affiliated store is received from the payment network through the VPN server, and the blockchain server Payment-related information including usage information can be stored in a block to be blockchainized, and the wallet server can transmit information about the block to the user terminal.

The management server may receive payment related information including card payment cancellation information at the merchant from the payment network through the VPN server, and the blockchain server may store payment related information including card payment cancellation information in a block block chaining, and the wallet server can transmit information about the block to the user terminal.

According to the present disclosure, it is possible to more safely and quickly manage points according to payment by blockchainizing and managing payment-related information using a blockchain server configured in a private network.

In addition, by connecting the financial network and the private network through the VPN server, receiving payment-related information from the financial network, and managing the received payment-related information by using a block-chain server configured in the private network to block-chain it, it is a point in a higher security situation. can manage

In addition, by storing payment-related information in blocks according to the consensus algorithm of the Delegated Proof of Stake (DPoS) method in the blockchain servers configured in each of the two regions provided by the cloud system, it is a faster and more efficient point. management may be possible.

In addition, by managing point usage information in a block chain, safer and faster management may be possible even when using points.

In addition, by managing payment cancellation information in a block chain, it is possible to process points more quickly even when payment is cancelled.

1 is a diagram for explaining a point management system using a block chain according to an embodiment of the present disclosure.
2 is a diagram for explaining the operation of a point management system using a block chain in a point accumulation process according to an embodiment of the present disclosure.
3 is a diagram for explaining the operation of a point management system using a blockchain in a point use process according to an embodiment of the present disclosure.
4 is a diagram for explaining the operation of a point management system using a block chain in a payment cancellation process according to an embodiment of the present disclosure.
5 is a flowchart for explaining a point management method using a block chain according to an embodiment of the present disclosure.
6 is a diagram for explaining a process of accumulating points generated according to payment according to an embodiment of the present disclosure.
7 is a diagram for explaining a process of using points for payment according to an embodiment of the present disclosure.
8 is a diagram for explaining a process of managing points and processing upon cancellation of payment according to an embodiment of the present disclosure.

DETAILED DESCRIPTION Some embodiments of the present disclosure are described in detail below with reference to exemplary drawings. In adding reference numerals to components of each drawing, the same components may have the same numerals as much as possible even if they are displayed on different drawings. In addition, in describing the present embodiments, if it is determined that a detailed description of a related known configuration or function may obscure the gist of the present technical idea, the detailed description may be omitted. When "comprises", "has", "consists of", etc. mentioned in this specification is used, other parts may be added unless "only" is used. In the case where a component is expressed in the singular, it may include the case of including the plural unless otherwise explicitly stated.

Also, terms such as first, second, A, B, (a), and (b) may be used in describing the components of the present disclosure. These terms are only used to distinguish the component from other components, and the nature, sequence, order, or number of the corresponding component is not limited by the term.

In the description of the positional relationship of components, when it is described that two or more components are "connected", "coupled" or "connected", the two or more components are directly "connected", "coupled" or "connected". "It may be, but it will be understood that two or more components and other components may be further "interposed" and "connected", "coupled" or "connected". Here, other components may be included in one or more of two or more components that are “connected”, “coupled” or “connected” to each other.

In the description of the temporal flow relationship related to components, operation methods, production methods, etc., for example, "after", "continued to", "after", "before", etc. Alternatively, when a flow sequence relationship is described, it may also include non-continuous cases unless “immediately” or “directly” is used.

On the other hand, when a numerical value or corresponding information (eg, level, etc.) for a component is mentioned, even if there is no separate explicit description, the numerical value or its corresponding information is not indicated by various factors (eg, process factors, internal or external shocks, noise, etc.) may be interpreted as including an error range that may occur.

In the present disclosure, a 'unit' may include a unit realized by hardware, a unit realized by software, or a unit realized using both. Further, one unit may be realized using two or more hardware, and two or more units may be realized by one hardware.

In the present disclosure, some of the operations or functions described as being performed by a terminal, device, or device may be performed by a server connected to the terminal, device, or device instead. Likewise, some of the operations or functions described as being performed by the server may also be performed by a terminal, apparatus, or device connected to the server.

Hereinafter, a point management method and system using a blockchain based on a distributed ledger according to embodiments of the present disclosure will be described with reference to related drawings.

1 is a diagram for explaining a point management system using a block chain according to an embodiment of the present disclosure.

Referring to FIG. 1 , the entire system 10 for point management according to an embodiment may include a payment network 200 and a point management system 100 using a block chain.

The point management system 100 using a blockchain receives payment related information including point information according to card payment at an affiliated store from a payment network through a VPN (Virtual Private Network) server 140, and provides payment related information It may include a management server 110 that stores, a blockchain server 120 that stores payment-related information in a block and converts it into a block chain, and a wallet server 130 that transmits information about a block to a user terminal related to card payment. .

In addition, the point management system 100 using a block chain may be connected to the payment network 200 through a VPN server 140 using a dedicated line 20 . Accordingly, the point management system 100 using the blockchain may be configured as a private network including a management server, a blockchain server, and a wallet server through a VPN server. According to one example, the point management system 100 using a blockchain may further include a VPN server 140.

The management server 110 may control the overall operation of the point management system using the blockchain. The management server 110 may receive payment related information according to card payment from the payment network 200 through the VPN server. According to an example, payment-related information may include point information, customer information, card information, and payment information according to card payment. The payment network 200 is composed of a financial network, which is a closed network, and communicates with an affiliated store device of a card company to obtain payment-related information according to online or offline card payment. The management server 110 may receive payment related information obtained from the payment network 200 .

The management server 110 may include a web server that provides a point management service through the point management system 100 using a blockchain and a database (DB) server in which payment-related information is stored and updated. According to an example, the web server may receive payment related information from the payment network 200 and store the payment related information in a database server. Alternatively, the database server may receive and store payment related information directly from the payment network 200 .

The management server 110 may link and store customer information, card information used for payment, payment information, and corresponding point information. When payment-related information is received by the same user, the management server 110 may update or accumulate the payment-related information and store the corresponding payment-related information.

The management server 110 may transmit payment related information received from the payment network 200 to the blockchain server 120 .

The blockchain server 120 includes user terminals subscribed to the point management service provided by the point management system 100 as each node, and is formed in a connection structure capable of exchanging information between a plurality of included nodes, respectively. You can build a blockchain network. According to an example, the blockchain server 120 may be configured in a cloud system connected through a private network connected to the VPN server. The cloud system may be, for example, a system that provides cloud services such as Amazon Web Services (AWS). However, this is only an example, and the content according to the present disclosure may be applied to a cloud system providing other known cloud services as long as it does not contradict the technical idea.

The blockchain server 120 may store approved payment-related information among payment-related information in a block using a consensus algorithm of a Delegated Proof of Stake (DPoS) method. In this case, the consensus algorithm of the delegated proof-of-stake method may select two representative nodes and determine whether to approve payment-related information through an agreement between the two representative nodes.

To this end, two blockchain servers each configured in two regions provided by the cloud system may be set as two representative nodes in the blockchain network. Through an agreement between the two established representative nodes, it is possible to determine whether to approve payment-related information. Accordingly, more rapid and efficient payment-related information may be approved.

The blockchain server 120 may generate a block at each predetermined time interval and store information related to payment approved during that time in the block. In addition, the blockchain server 120 may generate a new block for a later time interval and link it with a block generated in a previous time interval to block chain it.

According to an example, a block may include a header and a body. Block headers may include previous block hash information, block information, block hash, and the like as block identification information. The block information may include at least one of version information indicating a software/protocol version, merklehash information, block creation time, difficulty control information, and nonce information.

The previous block hash information indicates the block hash of the immediately preceding block in the block chain, and the merkle hash may be a hash value located at the root of the tree when the transaction hash of individual transaction information is configured in the form of a binary tree. Also, the number of calculations (nonce) information may indicate the number of calculations starting from 0 and increasing by 1 until a hash value that satisfies the condition is found.

The body of the block may include payment-related information including point information, customer information, card information, and payment information.

According to an example, the blockchain server 120 may issue a separate cryptocurrency in the blockchainization process. The point management system 100 using a block chain can convert the corresponding cryptocurrency into points generated according to card payment according to a predetermined ratio and issue it. Accordingly, cryptocurrency can be traded through subscribers of the corresponding point management service.

The wallet server 130 may transmit information about the block to a user terminal connected to the wallet server through the wallet application. The wallet server 130 may receive payment related information from the management server 110 and receive information about a block chained block from the blockchain server 120 . A wallet that can be used by a user through a wallet application may include a wallet address and a password assigned to each user.

The wallet server 130 may provide an installation file for executing a wallet application to a user terminal subscribed to a point management service. When the wallet application is installed and executed in the user terminal, the wallet server 130 may provide a point management service through a point management system. For example, the wallet server 130 may transmit payment related information and block information to the user terminal.

Also, according to an example, when cryptocurrency is generated, the wallet server 130 may transmit information about the corresponding cryptocurrency to the user terminal. In this case, the wallet server 130 may process cryptocurrency transactions according to a request from a user terminal.

According to this, by blockchainizing and managing payment-related information using a blockchain server configured in a private network, it is possible to manage points according to payment more safely and quickly, and manage points in a higher security situation. .

Hereinafter, specific operations of the point management system 100 using a block chain will be described with reference to related drawings.

2 is a diagram for explaining the operation of a point management system using a block chain in a point accumulation process according to an embodiment of the present disclosure.

For example, it is assumed that a user makes a payment according to a transaction such as purchasing a product using a corresponding card offline or online with respect to the merchant 400 of a predetermined card company. That is, the user may visit the affiliated store 400 to make a payment or make a payment through the user terminal 500 .

The user terminal 500 may be an electronic device capable of interworking with the card payment and point management system 100 through a wallet application. For example, the user terminal 500 includes a mobile phone, a smart phone, a laptop computer, a digital broadcasting terminal, personal digital assistants (PDA), a portable multimedia player (PMP), a navigation device, and a slate PC (slate PC). A mobile terminal such as a PC), a tablet PC, an ultrabook, and a wearable device may be included. In addition, the user terminal 500 according to the present disclosure may also include a fixed terminal such as a digital TV, a desktop computer, and a digital signage, except for cases applicable only to mobile terminals.

When a payment using a card is performed, the affiliate store device 400 may transmit card information and payment information to the payment network 200 .

Referring to FIG. 2 , according to an example, a payment network 200 and a financial network 300 are separately illustrated by assuming a need of a card agency such as overseas payment. In this case, the payment network 200 may be, for example, a network of a card agency such as VISA or MASTAR. The payment network 200 may be communicatively connected to the financial network 300 established by the card company or the bank. However, according to another example, when a separate card agency is not required, the financial network 300 may further perform an operation performed by the payment network 200 in addition to the operation of the financial network 300 described below. have.

The payment network 200 is composed of a closed network and is connected to a card company's member store device to obtain payment-related information according to online or offline card payment. The payment network 200 may request validation of payment-related information to the financial network 300 established by the card company or bank.

The financial network 300 may perform validation of payment-related information according to a request of the payment network 200 . The financial network 300 may check the requested payment-related information and determine whether to approve the corresponding card payment based on customer information, card information, and payment information. The financial network 300 may transmit the determined approval result to the payment network 200 .

The payment network 200 may transmit the approval result received from the financial network 300 to the affiliated store device 400 . The affiliated store device 400 may complete the payment, such as approval or rejection of the corresponding payment, according to the result of the received approval. Card payment may be performed through this series of processes.

Meanwhile, when payment is approved, the payment network 200 may transmit payment-related information including customer information, card information, and payment information along with point information according to the use of the corresponding card to the point management system 100. The point information may include a number of points generated according to a policy of a card company for an amount paid by using a card.

Hereinafter, it will be described that point information is determined in the payment network 200 or the financial network 300 and transmitted to the point management system 100, but this is an example and is not limited thereto. According to another example, point information may be integrated and managed in the management server 110 of the point management system 100 . Alternatively, according to another example, the point management system 100 may generate point information by calculating a separate new point applied within the point management service based on the point information received from the payment network 200 .

The management server 110 of the point management system 100 may receive payment related information according to card payment from the payment network 200 through the VPN server. The management server 110 may store point information included in the received payment-related information in association with customer information, card information used for payment, and payment information. When payment-related information is received by the same user, the management server 110 may update or accumulate the payment-related information and store the corresponding payment-related information.

The management server 110 may transmit payment related information received from the payment network 200 to the blockchain server 120 .

The blockchain server 120 selects two representative nodes using the consensus algorithm of the delegated proof-of-stake method, and through the agreement between the two representative nodes, it is possible to determine whether to approve payment-related information including point information. . To this end, two blockchain servers each configured in two regions provided by the cloud system may be set as two representative nodes in the blockchain network.

The blockchain server 120 may generate blocks at predetermined time intervals and store payment-related information including point information on payments approved during that time in the blocks. In addition, the blockchain server 120 may generate a new block for a later time interval and link it with a block generated in a previous time interval to block chain it.

The blockchain server 120 may transmit information about a block in which generated point information is stored to a wallet server. The wallet server 130 may transmit information about a block in which point information is stored to the user terminal 500 of a user subscribed to the point management service through the wallet application 131 .

The user may check accumulated point information through the wallet application executed in the user terminal 500 .

According to this, it is possible to more safely and quickly manage points according to payment by blockchainizing and managing point information on points generated according to card payment using a blockchain server configured in a private network. In addition, faster and more efficient point management may be possible by performing authentication and storage of point information according to an agreement between two representative nodes configured in two regions provided by the cloud system.

3 is a diagram for explaining the operation of a point management system using a blockchain in a point use process according to an embodiment of the present disclosure.

For example, it is assumed that a user makes a payment according to a transaction such as purchasing a product using points accumulated offline or online with respect to the merchant 400 of a predetermined card company.

When payment is made using points, the affiliated store device 400 may transmit point information, card information, and payment information to the payment network 200 .

When payment related information is obtained from the affiliated store device 400, the payment network 200 may request validation of the payment related information to the point management system 100.

The management server 110 may perform a validity check on the point use information when payment related information including point use information at an affiliated store is received from the payment network 200 through the VPN server. That is, the management server 110 may determine whether the use of points for the corresponding payment is valid based on the payment related information stored in the DB server.

The management server 110 may approve payment by using the corresponding point when the value of points accumulated for the corresponding user is greater than the requested payment amount. The management server 110 may transmit the determined approval result to the payment network 200 . In addition, the management server 110 may transmit payment-related information including point information to the blockchain server 120.

The payment network 200 may transmit a result of approval received from the point management system 100 to the affiliated store device 400 . The affiliated store device 400 may complete the payment, such as approval or rejection of the corresponding payment, according to the result of the received approval. Through this series of processes, payment according to the use of points can be performed.

The payment network 200 may transmit information about completion of use of the corresponding point to the point management system 100 when payment for the use of the corresponding point is completed. The management server 110 may store point usage completion information in a DB server and transmit it to the blockchain server 120 .

The blockchain server 120 may determine whether to approve payment-related information including point use information through an agreement between two representative nodes using a consensus algorithm of a delegated proof-of-stake method. The blockchain server 120 may store payment-related information including point use information for approved payments in a block.

The blockchain server 120 may transmit information about a block in which the generated point use information is stored to the wallet server. The wallet server 130 may transmit information about a block in which point use information is stored to the user terminal 500 of a user subscribed to the point management service through the wallet application 131 .

The user may check used point information through the wallet application executed in the user terminal 500 .

According to this, by managing point use information in a block chain, it is possible to more safely and quickly manage points even when using them.

4 is a diagram for explaining the operation of a point management system using a block chain in a payment cancellation process according to an embodiment of the present disclosure.

For example, it is assumed that a user cancels a payment made using a card or points offline or online with respect to the affiliated store 400 of a predetermined card company.

In the conventional case, when payment cancellation is requested from the user terminal 500 , the affiliated store device 400 transmits payment cancellation information to the payment network 200 . When the payment network 200 transmits payment cancellation information to the financial network 300 , the financial network 300 cancels the payment when the payment minimum is valid and transmits the payment cancellation information to the user terminal 500 . At this time, if the payment network 200 is a network of card agencies for overseas payment such as Visa or MasterCard, it takes about 2 to 3 days to process the transmission of payment cancellation data, so the user can immediately check whether or not the payment has been cancelled. There was no discomfort.

Accordingly, in the following, a faster and safer payment cancellation method is proposed through the point management system 100 in the present disclosure.

According to an embodiment, when payment cancellation is requested from the user terminal 500 , the affiliated store device 400 transmits payment cancellation information to the payment network 200 . The payment network 200 may also transmit payment cancellation information to the point management system 100 while transmitting the payment cancellation information to the financial network 300 .

The management server 110 of the point management system 100 may receive payment related information including payment cancellation information at an affiliated store from the payment network 200 through a VPN server. The management server 110 may store the payment cancellation information in the DB server and transmit it to the blockchain server 120.

The blockchain server 120 may store payment related information including payment cancellation information in a block and convert it into a block chain. That is, the blockchain server 120 may determine whether to approve payment-related information including payment cancellation information through an agreement between two representative nodes using a consensus algorithm of a delegated proof-of-stake method.

The blockchain server 120 may create a block and store payment related information including payment cancellation information for the corresponding canceled payment in the block. The blockchain server 120 may transmit information about a block in which the generated payment cancellation information is stored to the wallet server. The wallet server 130 may transmit information about a block in which payment cancellation information is stored to the user terminal 500 of a user subscribed to the point management service through the wallet application 131 .

The user may check canceled payment information in real time through the wallet application executed in the user terminal 500 .

According to this, by blockchainizing and managing payment cancellation information, it is possible to process points faster in real time even when payment is cancelled.

Hereinafter, embodiments related to a point management method that can be implemented in the point management system using the aforementioned blockchain will be described with reference to the accompanying drawings. It is obvious to those skilled in the art that the present disclosure may be embodied in other specific forms without departing from the technical spirit and essential characteristics of the present disclosure.

5 is a flowchart for explaining a point management method using a block chain according to an embodiment of the present disclosure.

A point management method using a block chain according to an embodiment of the present disclosure may be implemented in the point management system 100 using a block chain described with reference to FIG. 1 . Hereinafter, with reference to necessary drawings, a point management method using a block chain according to an embodiment of the present disclosure and an operation of the point management system 100 for implementing the same will be described in detail.

Referring to FIG. 5 , the point management system may receive payment related information including point information according to card payment at an affiliated store from a payment network through a VPN server (S100).

A point management system using a blockchain can be connected through a VPN server using a payment network and a dedicated line. Accordingly, a point management system using a blockchain may be configured as a private network including a management server, a blockchain server, and a wallet server through a VPN server.

The point management system may receive payment related information according to card payment from the payment network through the VPN server. According to an example, payment-related information may include point information, customer information, card information, and payment information according to card payment. The payment network is composed of a financial network, which is a closed network, and is connected to a card company affiliated store device through communication to obtain payment-related information according to online or offline card payment. The point management system may receive and store payment-related information obtained from a payment network.

The point management system may link and store customer information, card information used for payment, payment information, and corresponding point information. When payment related information by the same user is received later, the point management system may update or accumulate and store the corresponding payment related information.

Again, referring to FIG. 5, the point management system may store payment-related information in a block and convert it into a block chain (S110).

The point management system may include user terminals subscribed to the point management service as respective nodes, and may configure a blockchain network formed in a connection structure capable of exchanging information between a plurality of included nodes. According to an example, the point management system may configure a blockchain server in a cloud system connected through a private network connected to a VPN server.

The point management system can store approved payment-related information among payment-related information in a block by using a consensus algorithm of the Delegated Proof of Stake (DPoS) method. To this end, the point management system may configure a blockchain server in each of the two regions provided by the cloud system. The point management system can set the two configured blockchain servers as two representative nodes in the blockchain network. The point management system can determine whether to approve payment-related information through an agreement between two established representative nodes. Accordingly, more rapid and efficient payment-related information may be approved.

The point management system may generate blocks at predetermined time intervals and store payment-related information approved during that time in the blocks. In addition, the point management system can create a new block for a later time interval and link it with a block created in the previous time interval to block it.

Again, referring to FIG. 5 , the point management system may transmit information about a block to a user terminal related to card payment (S120).

The point management system may transmit information about the block to a user terminal connected to the wallet server through the wallet application. A wallet that can be used by a user through a wallet application may include a wallet address and a password assigned to each user.

When the wallet application is installed and executed in the user terminal, the point management system may provide a point management service. For example, the point management system may transmit payment related information and block information to the user terminal.

According to this, by blockchainizing and managing payment-related information using a blockchain server configured in a private network, it is possible to manage points according to payment more safely and quickly, and manage points in a higher security situation. .

6 is a diagram for explaining a process of accumulating points generated according to payment according to an embodiment of the present disclosure.

When a user makes a payment according to a transaction such as purchasing a product using the corresponding card offline or online with respect to an affiliated store of a predetermined card company (S200), the affiliated store device transmits card information and payment information to the payment network (S205) can do.

When payment-related information is acquired according to card payment, the payment network may request validation of the payment-related information to the financial network (S210). The financial network may perform validation of payment-related information according to a request of the payment network. The financial network may transmit the determined result of approval to the payment network (S215).

The payment network may transmit the approval result received from the financial network to the affiliated store device (S220). The affiliated store device may complete the payment, such as approving or rejecting the payment, according to the result of the received approval. Card payment may be performed through this series of processes.

Meanwhile, when the payment is approved, the payment network may transmit payment-related information including customer information, card information, and payment information together with point information according to the use of the corresponding card to the point management system (S225). The point information may include a number of points generated according to a policy of a card company for an amount paid by using a card.

The point management system may receive payment related information according to card payment from the payment network through the VPN server. The point management system may store the point information included in the received payment-related information in association with customer information, card information used for payment, and payment information (S230). When payment related information by the same user is received later, the point management system may update or accumulate and store the corresponding payment related information.

The point management system may determine whether to approve the payment-related information including the point information through an agreement between the two set representative nodes using the consensus algorithm of the delegated proof-of-stake method (S235).

The point management system may generate blocks at predetermined time intervals and store payment-related information including point information on payments approved during that time in the blocks. In addition, the point management system may generate a new block for a later time interval and link it with a block generated in the previous time interval to block chain (S240).

The point management system may transmit (S245) information about a block in which point information is stored to a user terminal of a user subscribed to a point management service through a wallet application.

The user may check accumulated point information through the wallet application executed in the user terminal.

According to this, it is possible to more safely and quickly manage points according to payment by blockchainizing and managing point information on points generated according to card payment using a blockchain server configured in a private network. In addition, faster and more efficient point management may be possible by performing authentication and storage of point information according to an agreement between two representative nodes configured in two regions provided by the cloud system.

7 is a diagram for explaining a process of using points for payment according to an embodiment of the present disclosure.

When a user makes a payment for a transaction such as purchasing a product using points accumulated offline or online for an affiliated store of a predetermined card company (S300), the affiliated store device transmits point information, card information, and payment information to the payment network (S305).

Upon acquiring payment-related information from the affiliated store device, the payment network may request validation of the payment-related information to the point management system (S310).

The point management system, when payment-related information including point usage information at an affiliated store is received from the payment network through the VPN server, may store the corresponding information (S315). The point management system may perform a validity check on the point use information and transmit a result of approval or non-approval to the payment network (S320).

The payment network may transmit the approval result received from the point management system to the affiliated store device (S325). The affiliated store device may complete the payment, such as approving or rejecting the payment, according to the result of the received approval. Through this series of processes, payment according to the use of points can be performed.

When the payment according to the use of the corresponding point is completed, the payment network may transmit information on completion of the use of the corresponding point to the point management system (S330). The point management system may store completion information about point usage.

The point management server may determine whether to approve payment-related information including point use information through an agreement between two representative nodes using a consensus algorithm of a delegated proof-of-stake method (S335). The point management system may store payment-related information including point use information for approved payments in a block and block-chain it (S340).

The point management server may transmit (S345) information about a block in which point use information is stored to a user terminal of a user subscribed to a point management service through a wallet application.

The user can check the used point information through the wallet application executed on the user terminal.

According to this, by managing point use information in a block chain, it is possible to more safely and quickly manage points even when using them.

8 is a diagram for explaining a process of managing points and processing upon cancellation of payment according to an embodiment of the present disclosure.

When a user cancels a payment made using a card or points for an affiliated store of a predetermined card company offline or online (S400), the affiliated store device transmits payment cancellation information to the payment network (S405). While transmitting the payment cancellation information to the financial network, the payment network may also transmit the payment cancellation information to the point management system (S410).

The point management system may receive and store payment-related information including payment cancellation information at an affiliated store from the payment network through the VPN server (S415).

The point management system may determine whether to approve payment-related information including payment cancellation information through an agreement between two representative nodes using a consensus algorithm of a delegated proof-of-stake method (S420).

The point management system may create a block, store payment-related information including payment cancellation information for the canceled payment in the block, and block-chain it (S425). The point management system may transmit information about a block in which payment cancellation information is stored to a user terminal of a user subscribed to a point management service through a wallet application (S430).

In addition, the point management system may transmit information about a block in which payment cancellation information is stored to a financial network (S435). The financial network may cancel the payment based on the information on the block in which the payment cancellation information is stored, and transmit the payment cancellation information to the user terminal (S440).

The user can check canceled payment information in real time through the wallet application executed on the user terminal.

According to this, by blockchainizing and managing payment cancellation information, it is possible to process points faster in real time even when payment is cancelled.

The above description is merely an example of the technical idea of the present disclosure, and various modifications and variations may be made to those skilled in the art without departing from the essential characteristics of the present disclosure. Therefore, the disclosed embodiments are not intended to limit the technical idea of the present invention, but to explain, and the scope of the technical idea is not limited by these embodiments. The protection scope of the present disclosure should be construed by the claims below, and all technical ideas within the equivalent range should be construed as being included in the scope of the present disclosure.

Claims (16)

In the point management method using blockchain,
receiving, in the management server, payment related information including point information according to card payment at the affiliated store from the payment network through the VPN server;
In a block chain server, storing the payment related information in a block to block chain it; and
Transmitting, in the wallet server, information about the block to a user terminal related to the card payment;
including,
The blockchainization step is,
It is performed in a blockchain server configured in a cloud system connected through a private network connected to the VPN server,
Whether or not the payment-related information is approved through an agreement between two blockchain servers each configured in two regions provided by the cloud system using a consensus algorithm of the Delegated Proof of Stake (DPoS) method A point management method using a blockchain for determining and storing approved payment-related information in the block. According to claim 1,
The payment related information,
A point management method using a block chain, characterized in that it further includes customer information, card information and payment information. delete delete delete According to claim 1,
The step of transmitting to the user terminal,
Point management method using a blockchain, characterized in that for transmitting information on the block through a wallet server connected to the user terminal. According to claim 1,
receiving, in the management server, payment-related information including point usage information at an affiliated store from the payment network through the VPN server;
Transmitting, by the management server, a validation result for the point usage information to the payment network;
In the block chain server, storing the payment-related information including the point use information in a block and converting it into a block chain; and
transmitting information about the block to the user terminal in the wallet server;
Point management method using a block chain, characterized in that it further comprises. According to claim 1,
receiving, in the management server, payment-related information including card payment cancellation information at an affiliated store from the payment network through the VPN server;
In the block chain server, storing the payment related information including the card payment cancellation information in a block and converting it into a block chain; and
transmitting information about the block to the user terminal in the wallet server;
Point management method using a block chain, characterized in that it further comprises. In the point management system using blockchain,
a management server that receives payment-related information including point information according to card payment at an affiliated store from a payment network through a VPN server and stores the payment-related information;
A blockchain server that stores the payment-related information in a block and transforms it into a block chain; and
a wallet server that transmits information about the block to a user terminal related to the card payment;
including,
The blockchain server,
It is performed in a blockchain server configured in a cloud system connected through a private network connected to the VPN server,
Whether or not the payment-related information is approved through an agreement between two blockchain servers each configured in two regions provided by the cloud system using a consensus algorithm of the Delegated Proof of Stake (DPoS) method A point management system using a blockchain that determines and stores approved payment-related information in the block. According to claim 9,
The payment related information,
A point management system using a block chain, characterized in that it further includes customer information, card information and payment information. delete delete delete According to claim 9,
The wallet server,
A point management system using a blockchain, characterized in that for transmitting information on the block to a user terminal connected to the wallet server through a wallet application. According to claim 9,
The management server,
When payment-related information including point usage information at an affiliated store is received from the payment network through the VPN server, a validation result for the point usage information is transmitted to the payment network;
The blockchain server,
Block-chaining by storing payment-related information including the point usage information in a block;
The wallet server,
Point management system using a block chain, characterized in that for transmitting the information on the block to the user terminal. According to claim 9,
The management server,
Receiving payment related information including card payment cancellation information at an affiliated store from the payment network through the VPN server;
The blockchain server,
Block-chaining by storing payment-related information including the card payment cancellation information in a block;
The wallet server,
Point management system using a block chain, characterized in that for transmitting the information on the block to the user terminal.

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