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1. (WO2019027093) ELECTRONIC MONEY TRANSACTION SYSTEM AND METHOD
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Pub. No.: WO/2019/027093 International Application No.: PCT/KR2017/010583
Publication Date: 07.02.2019 International Filing Date: 26.09.2017
IPC:
G06Q 20/06 (2012.01) ,G06Q 20/38 (2012.01) ,G06Q 20/36 (2012.01)
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20
Payment architectures, schemes or protocols
04
Payment circuits
06
Private payment circuits, e.g. involving electronic currency used only among participants of a common payment scheme
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20
Payment architectures, schemes or protocols
38
Payment protocols; Details thereof
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20
Payment architectures, schemes or protocols
30
characterised by the use of specific devices
36
using electronic wallets or electronic money safes
Applicants:
임종범 LIM, Jongbum [KR/KR]; KR
Inventors:
임종범 LIM, Jongbum; KR
Agent:
신용현 SHIN, Yong Hyun; KR
송정부 SONG, Jeong Bu; KR
Priority Data:
10-2017-009690531.07.2017KR
Title (EN) ELECTRONIC MONEY TRANSACTION SYSTEM AND METHOD
(FR) SYSTÈME ET PROCÉDÉ DE TRANSACTION D'ARGENT ÉLECTRONIQUE
(KO) 전자 화폐 거래 시스템 및 방법
Abstract:
(EN) The present invention relates to a transaction method using electronic money and, more specifically, to an electronic money transaction system and method which enables an electronic money user to directly exchange real money, prevents an error which may occur in a blockchain generation procedure, and enhances the security of transaction details of electronic money. An electronic money transaction system and method according to an embodiment of the present invention enables an electronic money user to directly change electronic money into real money through an exchange server, so as to simplify a transaction procedure of electronic money. Also, the present invention allows use of an address of a POS terminal as a virtual address and thus can enhance the security of transaction details. Further, the present invention introduces a game-type electronic money mining procedure and thus can increase a user's interest in use of electronic money. Further, the present invention enables change of electronic money information on the basis of transaction data of which the validity has been confirmed, and thus can prevent an error, which may occur in a blockchain generation procedure, and enhance the security of transaction details of electronic money.
(FR) L’invention concerne un procédé de transaction utilisant de l'argent électronique et, en particulier, un système et un procédé de transaction d'argent électronique qui permettent à un utilisateur d’argent électronique d'échanger directement de l'argent réel, empêche une erreur de survenir dans une procédure de génération de chaîne de blocs et améliore la sécurité des détails d'une transaction d'argent électronique. Selon un mode de réalisation de l’invention, un système et un procédé de transaction d'argent électronique permettent à un utilisateur d’argent électronique de changer directement de l'argent électronique en argent réel au moyen d'un serveur de change, ce qui simplifie une procédure de transaction d'argent électronique. L’invention permet également d’utiliser une adresse d'un terminal de point de vente comme adresse virtuelle et d’améliorer ainsi la sécurité des détails d'une transaction. De plus, l'invention concerne une procédure d'exploitation d'argent électronique de type jeu et permet ainsi augmenter l'intérêt d'un utilisateur lors de l'utilisation d'argent électronique. De plus, l’invention permet de modifier les informations concernant l'argent électronique d’après les données de transaction dont la validité a été confirmée, ce qui permet d’empêcher une erreur susceptible de survenir dans une procédure de génération de chaîne de blocs et d’améliorer ainsi la sécurité des détails d'une transaction d'argent électronique.
(KO) 본 발명은 전자 화폐를 이용한 거래 방법에 관한 것으로서, 보다 상세하게는 전자 화폐 사용자로 하여금 실물 화폐를 직접적으로 교환할 수 있도록 하면서, 블록체인 생성 과정에서 발생할 수 있는 오류를 방지하고, 전자 화폐의 거래 내역에 대한 보안성을 강화한 전자 화폐 거래 시스템 및 방법에 관한 것이다. 본 발명의 실시예에 따른 전자 화폐 거래 시스템 및 방법에 따르면, 전자 화폐 사용자로 하여금 거래소 서버를 통해 실물 화폐와 직접 환전함으로써 전자 화폐의 거래 절차를 간소화할 수 있는 효과가 있다. 또한, POS 단말기의 주소를 가상 어드레스로 사용함으로써, 거래 내역에 대한 보안을 강화할 수 있다. 또한, 게임 형식의 전자 화폐 채굴 과정을 도입함으로써, 사용자의 전자 화폐 이용에 대한 관심을 증대시킬 수 있는 효과가 있다. 또한, 유효성이 확인된 거래 데이터를 바탕으로 전자 화폐 정보를 변경함으로써, 블록체인 생성 과정에서 발생할 수 있는 오류를 방지하고, 전자 화폐의 거래 내역에 대한 보안성을 강화하는 효과가 있다.
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Designated States: AE, AG, AL, AM, AO, AT, AU, AZ, BA, BB, BG, BH, BN, BR, BW, BY, BZ, CA, CH, CL, CN, CO, CR, CU, CZ, DE, DJ, DK, DM, DO, DZ, EC, EE, EG, ES, FI, GB, GD, GE, GH, GM, GT, HN, HR, HU, ID, IL, IN, IR, IS, JO, JP, KE, KG, KH, KN, KP, KW, KZ, LA, LC, LK, LR, LS, LU, LY, MA, MD, ME, MG, MK, MN, MW, MX, MY, MZ, NA, NG, NI, NO, NZ, OM, PA, PE, PG, PH, PL, PT, QA, RO, RS, RU, RW, SA, SC, SD, SE, SG, SK, SL, SM, ST, SV, SY, TH, TJ, TM, TN, TR, TT, TZ, UA, UG, US, UZ, VC, VN, ZA, ZM, ZW
African Regional Intellectual Property Organization (ARIPO) (BW, GH, GM, KE, LR, LS, MW, MZ, NA, RW, SD, SL, ST, SZ, TZ, UG, ZM, ZW)
Eurasian Patent Office (AM, AZ, BY, KG, KZ, RU, TJ, TM)
European Patent Office (EPO) (AL, AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, HR, HU, IE, IS, IT, LT, LU, LV, MC, MK, MT, NL, NO, PL, PT, RO, RS, SE, SI, SK, SM, TR)
African Intellectual Property Organization (BF, BJ, CF, CG, CI, CM, GA, GN, GQ, GW, KM, ML, MR, NE, SN, TD, TG)
Publication Language: Korean (KO)
Filing Language: Korean (KO)