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WO2019231201A1 - Procédé et système de service de paiement et de règlement basé sur une chaîne de blocs - Google Patents

Procédé et système de service de paiement et de règlement basé sur une chaîne de blocs Download PDF

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Publication number
WO2019231201A1
WO2019231201A1 PCT/KR2019/006348 KR2019006348W WO2019231201A1 WO 2019231201 A1 WO2019231201 A1 WO 2019231201A1 KR 2019006348 W KR2019006348 W KR 2019006348W WO 2019231201 A1 WO2019231201 A1 WO 2019231201A1
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WO
WIPO (PCT)
Prior art keywords
payment
merchant
book
information
received
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
PCT/KR2019/006348
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English (en)
Korean (ko)
Inventor
김태욱
심정석
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Individual
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Individual
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Filing date
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Publication of WO2019231201A1 publication Critical patent/WO2019231201A1/fr
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/389—Keeping log of transactions for guaranteeing non-repudiation of a transaction
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L67/00—Network arrangements or protocols for supporting network services or applications
    • H04L67/01—Protocols
    • H04L67/10—Protocols in which an application is distributed across nodes in the network
    • H04L67/1097—Protocols in which an application is distributed across nodes in the network for distributed storage of data in networks, e.g. transport arrangements for network file system [NFS], storage area networks [SAN] or network attached storage [NAS]

Definitions

  • the present invention relates to a payment service system, and more particularly, to a payment service system and a method based on blockchain.
  • the cardholder purchases goods or services on credit from a merchant recruited by the card company, and then pays the corresponding purchase price to the credit card company on the payment date, and the merchant stores the goods or services sold to the cardholder.
  • Payment is a method of receiving payment from a credit card company.
  • 'DDC service' refers to a service that a billing agency acts for a purchase request by improving a conventional settlement method in which a merchant directly submits a paper sales slip to a credit card company and requests a purchase.
  • This DDC service allows payment card companies to make payments to merchants based on transaction history data generated during the credit card transaction approval process.
  • the settlement agent collects and stores the paper sales slip.
  • the credit card company asks the payment agency to submit the sales slip and the payment agency sells the paper stored in the warehouse. Finding a slip and submitting it as a certificate. If it fails to submit it, the settlement agency bears all responsibility for settlement of the credit card sales.
  • Patent Document 0001 Republic of Korea Patent Publication No. 10-0631022
  • the present invention has been invented to solve the above-mentioned necessity and the above-mentioned problem, and the present invention simplifies the payment settlement procedure and the sales slip confirmation procedure between the payment issuer and the payment agency in online payment.
  • the present invention simplifies the payment settlement procedure and the sales slip confirmation procedure between the payment issuer and the payment agency in online payment.
  • Another object of the present invention is to provide a blockchain-based payment service system and method capable of preventing forgery of a book in which information related to online payment as well as online payment is written.
  • Another object of the present invention is to provide a blockchain-based payment service system and method that can provide convenience of sales management for each merchant.
  • the blockchain-based payment service method according to an embodiment of the present invention for solving the above technical problem is a method that can be executed in the payment agency server,
  • the method further includes periodically requesting to reset the payment transaction book for each merchant stored in the book authentication system.
  • the method may further include transferring the sales information requested for payment to the payment means issuing server to each registered affiliated smart device based on the payment transaction book for each affiliated store.
  • the blockchain-based payment service system is a blockchain-based payment service system capable of data communication with a payment means issuing server and affiliated terminals.
  • a payment request information receiver configured to receive payment request information transmitted and received between the merchant terminal and the payment means issuing server;
  • a payment settlement processing unit for generating purchase request data for each merchant based on the stored payment transaction book for each affiliate store and requesting the purchase to the payment means issuing server.
  • a sales information providing unit for generating and providing sales information for each merchant stock period based on the stored payment transaction book for each affiliate store.
  • the payment transaction information management unit for each merchant In the blockchain-based payment settlement service system of the above-described configuration, the payment transaction information management unit for each merchant,
  • the payment transaction information management unit for each affiliate is configured to manage the payment transaction information management unit for each affiliate.
  • the payment agency simply stores the credit card sales-related information, and separately stores and stores the credit card sales-related information for the same merchant in a plurality of book authentication system Because they authenticate each other through mutual matching, there is an advantage to simplify the payment and settlement procedures, the sales slip verification process, and the storage process between the credit card company and payment agency,
  • the present invention also has the advantage of preventing the forgery of the book is filled with information related to credit settlement.
  • the present invention by supporting the merchants of small and commercial merchants using a merchant terminal of a simple function having only a credit card payment function instead of a POS terminal to check the daily, weekly, monthly, day of the week, credit card sales to merchants, card-related sales It also has the advantage of providing ease of management.
  • FIG. 1 is a block diagram of a peripheral configuration of a blockchain-based payment service system according to an embodiment of the present invention.
  • FIG. 2 is a block diagram of a blockchain-based payment service system 200 according to an embodiment of the present invention.
  • FIG. 3 is an exemplary operation flow diagram of a blockchain-based payment service system 200 according to an embodiment of the present invention.
  • Figure 4 is an illustration of a payment transaction book according to an embodiment of the present invention.
  • Figure 1 illustrates a peripheral configuration of a blockchain-based payment service system according to an embodiment of the present invention.
  • a blockchain-based payment service system 200 is a system capable of connecting between an affiliated store terminal 100 and a card company server 300 that is an example of a payment method issuer. It is a system that can be built in an agency server system. Of course, it can be built in the card company server 300 system that is the issuer of the payment method.
  • 'payment issuer' refers to a service provider that issues payment methods (points, miles, virtual currency, etc.) that can be paid through a merchant terminal or a smart device of a consumer, in addition to a credit card company.
  • the payment service system 200 receives payment request information transmitted / received between the affiliated store terminal 100 and the card company server 300 to verify the validity of the payment request information, and the affiliated store including the validated payment request information. Generates a separate payment transaction book and propagates it to one or more book authentication system (400).
  • the book authentication system 400 existing on the network stores the billing transaction book for each merchant that has been propagated, and compares the billing transaction book of the stored merchant with the billing transaction book of the newly affiliated merchant to check whether the book is forged. If there is no error, it is responsible for transmitting the authentication completion information to the payment service system 200.
  • the book authentication system 400 stores the payment transaction book of each merchant, and the payment transaction book is stored as a payment transaction book for checking whether the payment transaction book and the forgery of the book should be preserved until the period required by the card company. Can be managed separately.
  • the payment transaction book for the purpose of checking forgery may be initialized according to a reset command of the payment settlement service system 200 which is periodically received.
  • the payment service system 200 stores the payment transaction book for each merchant that has been propagated when more than a predetermined number of authentication completion information received from the book authentication system 400, based on the stored payment transaction book for each merchant Generates purchase request data for each merchant and requests the purchase to the card company server 300.
  • FIG. 2 illustrates a block diagram of a blockchain-based payment service system 200 according to an embodiment of the present invention.
  • the blockchain-based payment service system 200 As shown in Figure 2, the blockchain-based payment service system 200 according to an embodiment of the present invention,
  • a payment request information receiving unit 210 for receiving payment request information transmitted and received between the merchant terminal 100 and the card company server 300 which is a payment method issuing server;
  • the blockchain-based payment settlement service system 200 generates sales information for each affiliated owner's period based on the payment transaction book for each affiliated store stored in the DB 250 (not shown). It may further include a sales information providing unit 240 provided in.
  • the payment transaction information management unit 220 for each merchant may block and propagate and store payment transaction books for each merchant to increase security.
  • the payment transaction information management unit 220 for each merchant verify the validity of the payment request information on the assumption that the received payment request information is illegal forged or immediately canceled after the payment.
  • the merchant-specific payment transaction information management unit 220 verifies the validity of the received payment request information and generates payment transaction information for each merchant including only the validated payment request information, the validity of the card company server 300 It is characterized in that the verification by the payment approval information (payment cancellation information) received from.
  • FIG. 3 is a flowchart illustrating an operation of a blockchain-based payment service system 200 according to an embodiment of the present invention
  • FIG. 4 illustrates a payment transaction book according to an embodiment of the present invention.
  • the payment request information is provided from the merchant terminal 100 to the payment agency server. That is, it is delivered to the card company server 300 through the payment service system 200.
  • Such payment request information includes at least a payment date (including time), merchant information (business operator, merchant identification information, etc.), payment request amount, payment requester information (also referred to as card information).
  • the payment request information receiving unit 210 receives payment request information transmitted and received between the affiliated store terminal 100 and the card company server 300 (step S10).
  • Merchant payment transaction information management unit 220 verifies the validity of the received payment request information (step S20) and generates payment transaction information for each merchant including only the validated payment request information (step S30), The validity may be verified by payment approval information received from the card company server 300.
  • the payment request information includes a payment request amount. If the limit is exceeded due to the payment request amount, the card company server 300 transmits a limit exceeding signal instead of payment approval information. In this case, although the payment request information is received in the payment service system 200, since the valid payment approval information was not received from the card company server 300 for the corresponding payment request, the payment transaction information management unit 220 for each merchant is valid. If the payment request is not verified, it is regarded as an inappropriate payment request and discarded (step S60).
  • the payment transaction information management unit 220 for each merchant includes the validated payment request information, but generates blockchain payment transaction books for each merchant (step S30) and propagates to the book authentication system 400 existing on the network (S40). Step).
  • the payment transaction book for each merchant is a book in which revenue generated by a credit card is recorded at each merchant, and various information as shown in FIG. 4 is stored.
  • the important point is that for a certain period of time (for example, one month), the amount requested for payment from each merchant to the credit card company is accumulated in the book value.
  • the book value of the transaction for a certain period of time can be usefully used to combat counterfeiting, illegal sales, etc. of the book by comparing with the book value of the transaction of the affiliated stores previously stored in the book authentication systems (400).
  • Each book authentication system 400 that has received the blockchain payment transaction book for each merchant stores the transaction book total and the payment request amount immediately before the newly-delivered merchant's payment transaction book. If there is no abnormality in the transaction book total compared to the transaction book total described in, it is determined to be a normal transaction and the authentication completion information is transmitted to the payment service system 200.
  • the book authentication system 400 updates and stores the blockchain-based payment transaction book by accumulating the newly received payment request amount in the existing transaction book total amount after transmitting the authentication completion information.
  • the merchant-specific payment transaction information management unit 220 is a normal payment when the authentication completion information is received from the number specified for the payment transaction book for each merchant, for example, three book authentication system 400 (step S50) Recognizing it as a transaction stores the payment transaction book for each merchant propagated by the merchant transaction book DB (250) (step S70).
  • each payment request information is also stored in a block chain.
  • step S50 if the prescribed number of authentication completions are not received, it is determined that the transaction is abnormal and discards the received payment request information.
  • the payment settlement processing unit 230 When the payment transaction book of each merchant is stored for a predetermined period as described above, the payment settlement processing unit 230 generates the purchase request data for each merchant based on the payment transaction book for each merchant (step S80), and the purchase request for each merchant generated The payment service ends in a manner of requesting the purchase of the material to the card company server 300 (step S90).
  • the purchase request data may be immediately generated without a certain period of time and a purchase request may be made (step S90).
  • the payment agency prepares and transmits the purchase billing data for each merchant based on the transaction history data generated during the credit card transaction approval process, so that each card company prepays the sales price to the corresponding merchant. Then, in contrast to the conventional method of the payment agency collecting and storing paper sales slips in a post-mortem manner, the payment agency simply stores the credit card sales-related information and multiple credit card sales-related information for the same merchant. Because it is stored separately in the book authentication system 400,
  • the present invention has the advantage of simplifying the payment and payment procedures, sales slip confirmation process, storage process between the credit card company and payment agency,
  • the present invention also has the advantage of preventing the forgery of the book is filled with information related to credit settlement.
  • the blockchain-based payment service system 200 may further include a sales information provider 240 to provide convenience of sales management for each affiliate. That is, the sales information storage unit 240 may generate sales information for each merchant's period based on each merchant's payment transaction book stored in the payment transaction book DB 250 for each merchant and provide the merchant information to the merchant device.
  • the merchant information by the sales information provider 240 can check the daily, weekly, monthly, weekly credit card sales. This is a service that can be provided when a small business owner who does not use a POS terminal simply uses a merchant terminal equipped with a credit card payment function at a store.
  • the payment transaction information management unit 220 for each merchant may periodically request to reset the payment transaction book for each merchant stored in the book authentication system 400. This is to periodically initialize the payment transaction information for each affiliate used for authentication.

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Signal Processing (AREA)
  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

La présente invention concerne un système de service de paiement et de règlement basé sur une chaîne de blocs et un procédé associé, et le procédé comprend les étapes consistant à : recevoir des informations de demande de règlement transmises et reçues entre un terminal de magasin affilié et un serveur d'émission de moyen de règlement ; vérifier la validité des informations de demande de règlement reçues ; générer d'un livre de transactions de règlement de chaîne de blocs qui comprend les informations de demande de règlement dont la validité a été vérifiée, pour chaque magasin affilié, et propager le livre de transactions de règlement généré vers au moins un système d'authentification de livre ; stocker le livre de transactions de règlement pour chaque magasin affilié lorsqu'au moins un nombre prescrit d'éléments d'informations de réalisation d'authentification sont reçus du système d'authentification de livre par rapport au livre de transactions de règlement propagé pour chaque magasin affilié ; et générer des données de demande d'achat pour chaque magasin affilié sur la base du livre de transactions de règlement pour chaque magasin affilié pour demander au serveur d'émission de moyen de règlement un achat demandé.
PCT/KR2019/006348 2018-05-29 2019-05-28 Procédé et système de service de paiement et de règlement basé sur une chaîne de blocs Ceased WO2019231201A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
KR10-2018-0061168 2018-05-29
KR1020180061168A KR20190135763A (ko) 2018-05-29 2018-05-29 블록체인 기반의 지급결제 서비스 방법 및 시스템

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Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN111369363A (zh) * 2020-02-28 2020-07-03 北京瑞卓喜投科技发展有限公司 一种证券型通证的分红处理方法、装置及电子设备
CN111461732A (zh) * 2020-04-03 2020-07-28 银清科技有限公司 基于区块链的支付信息验证方法、系统及装置

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KR100631022B1 (ko) 2005-05-17 2006-10-04 한국정보통신주식회사 전자매출전표 캡쳐를 통한 신용카드 결제 및 정산 시스템과그 방법

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US20150026070A1 (en) * 2013-07-16 2015-01-22 Mastercard International Incorporated Systems and methods for correlating cardholder identity attributes on a payment card network to determine payment card fraud
US20150363778A1 (en) * 2014-06-16 2015-12-17 Bank Of America Corporation Cryptocurrency electronic payment system
KR101680540B1 (ko) * 2015-06-18 2016-11-30 주식회사 코인플러그 블록체인을 기반으로 하는 금융기관 제증명서류 위변조 검증시스템 및 방법
KR101637868B1 (ko) * 2016-02-22 2016-07-08 주식회사 코인플러그 블록체인을 기반으로 하는 금융기관 제증명서류 위변조 검증시스템 및 방법
KR101767535B1 (ko) * 2016-09-12 2017-08-14 주식회사 코인플러그 근거리 무선 통신 기반의 카드를 통하여 본인 인증 서비스를 제공하는 방법 및 이를 이용한 카드, 인증용 단말, 인증 지원 서버 및 본인 인증 서버

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN111369363A (zh) * 2020-02-28 2020-07-03 北京瑞卓喜投科技发展有限公司 一种证券型通证的分红处理方法、装置及电子设备
CN111461732A (zh) * 2020-04-03 2020-07-28 银清科技有限公司 基于区块链的支付信息验证方法、系统及装置
CN111461732B (zh) * 2020-04-03 2023-07-21 银清科技有限公司 基于区块链的支付信息验证方法、系统及装置

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