EP-4742130-A1 - SYSTEM AND METHOD FOR MANAGING CRYPTOCURRENCIES EVALUATED BY CASH VALUE

EP4742130A1EP 4742130 A1EP4742130 A1EP 4742130A1EP-4742130-A1

Abstract

The present invention relates to a system and a method for managing cryptocurrencies evaluated by cash value, and, more specifically, to a management system and method in which cryptocurrencies such as cryptocurrency, a gift certificate and a discount coupon are recognized as commodities, are judged by cash value, are store in a cryptocurrency wallet, and then are used as a payment means like cash along with a card, and thus the adoption of cryptocurrencies is increased and the cryptocurrencies can be used beyond a card limit. The system for managing cryptocurrencies evaluated by cash value, according to an embodiment of the present invention, comprises: a company server for operating an online/offline shopping mall capable of issuing cryptocurrencies such as a cryptocurrency, a gift certificate and a discount coupon or a card or of paying with the cryptocurrencies; a management server which recognizes the cryptocurrencies as commodities by means of a work agreement with the company server so as to judge same by cash value, and which enters into a contract with the company server to enable payment with the cryptocurrencies, issued by other company servers, at an online/offline shopping mall of one company server; and a user terminal which generates a cryptocurrency wallet for storing the cryptocurrencies, and which makes payment with the cryptocurrencies or the card stored in the cryptocurrency wallet for a product purchased at the online/offline shopping mall.

Inventors

JANG, YANG HO

Assignees

Lordsystem Co., Ltd.

Dates

Publication Date: 20260513
Application Date: 20240702

Claims (20)

A system for managing cash value-evaluated cryptocurrencies, the system comprising: a company server for issuing a card or cryptocurrencies including cryptocurrency, gift certificate discount coupon, or operating an online/offline shopping mall allowing payment using the cryptocurrencies; a management server including a recognition unit that recognizes the cryptocurrencies as goods to determine the recognized cryptocurrencies as cash value based on a business agreement with the company server, and concludes a contract with the company server to allow payment using cryptocurrencies issued by another company server at the online/offline shopping mall of the company server; and a user terminal for generating an electronic wallet to store the cryptocurrencies and performing payment for a commodity purchased from the online/offline shopping mall by using the cryptocurrencies or a card stored in the electronic wallet.
The system of claim 1, further comprising: a blockchain that serves as a blockchain-based platform constituting one or more cryptocurrencies handled by the management server and linked with the electronic wallet to process transactions related to payments for corresponding cryptocurrencies and to store processing details thereof across a plurality of blocks in a distributed manner.
The system of claim 1, wherein the cryptocurrencies are registered and managed through barcode or QR code having a unique identification number.
The system of claim 1, wherein the cryptocurrencies have a set expiration date, and upcoming expired cryptocurrencies are announced together with expiration dates and cash value on a sub-webpage operated by the management server.
The system of claim 4, wherein the management server reduces the cash value of the cryptocurrencies gradually when the expiration date approaches.
The system of claim 1, wherein the user terminals trade or exchange cryptocurrencies stored in electronic wallets with each other.
The system of claim 1, wherein the management server uses member information registered on a card corresponding to a representative card number among cards issued by a credit card server among the company servers to issue multiple TripPASS prepaid cards set in a recharging limit and stores the issued TripPASS prepaid cards in an electronic wallet, and the TripPASS prepaid card serves as a prepaid card for foreigners traveling in Korea to allow simple payment by simply recharging and immediate payment at a duty-free price during shopping.
The system of claim 7, wherein the management server, when performing payment using the TripPASS prepaid cards, approves integrated payment using the representative card number, or approves integrated cancellation or partial cancellation of the approved integrated payment using the representative card number.
The system of claim 1, further comprising: a buffer server configured to, when a discrepancy occurs between a cash-equivalent value determined for the cryptocurrencies and a payment amount, treat a discrepancy amount as having been paid or reconcile the discrepancy amount, thereby mediating an imbalance.
The system of claim 1, wherein the user terminal includes: a seller terminal that has an electronic wallet for storing cryptocurrencies and registers, on the management server, selling conditions including types of cryptocurrencies to be sold, selling price and expiration date among the cryptocurrencies stored in the electronic wallet of the seller terminal; and a buyer terminal that has an electronic wallet for storing the cryptocurrencies, checks the selling conditions of the cryptocurrencies uploaded on a trading website, and pays the selling price to a seller, thereby purchasing the cryptocurrencies, and wherein the management server includes a trading unit configured to operate a website for trading the cryptocurrencies, upload selling conditions of the cryptocurrencies registered by the seller terminal, and allow the buyer terminal to check the uploaded selling conditions, so that a trading is concluded.
The system of claim 10, wherein the trading unit of the management server separately operates a sub-webpage to upload selling conditions modified from the seller terminal for cryptocurrencies having upcoming (approaching) expiration date among the registered cryptocurrencies, or upload, to the sub-webpage, modified selling conditions having a selling price reduced as the expiration date approaches based on an agreement with the seller terminal.
The system of claim 1, wherein the user terminal includes: a buyer terminal that has an electronic wallet for storing cryptocurrencies and is configured to input and register, on the management server, types of cryptocurrencies to be purchased by the buyer terminal, a buying price, an expiration date, and a discount rate, and to pay a selling price of the cryptocurrency to a seller when a trading is concluded; and a seller terminal that has an electronic wallet for storing cryptocurrencies and is configured to input and register, on the management server, types of cryptocurrencies to be sold, a selling price, an expiration date, and a discount rate, from among the cryptocurrencies stored in the electronic wallet of the seller terminal, and wherein the management server includes a brokerage unit for matching buying conditions of cryptocurrencies input from the buyer terminal with buying conditions of cryptocurrencies input from the seller terminal to connect the buyer terminal and the seller terminal to each other, so as to conclude a trading of the cryptocurrencies.
The system of claim 12, wherein the brokerage unit vectorizes the buying conditions or the selling conditions into three dimensions having an x-axis (buying price or selling price), a z-axis (expiration date), and a y-axis (discount rate) as three axes, and matches the buying conditions with the selling conditions based on the three-dimensional vectors.
The system of claim 1, wherein the brokerage unit, when matching the three-dimensional vector of the buying conditions and the three-dimensional vector of the selling conditions, and failing to match, checks at least one three-dimensional vector of a similar counterparty (a seller for a buyer, or a buyer for a seller) and notifies the buyer terminal or the seller terminal of selling conditions or buying conditions corresponding to the at least one three-dimensional vector of the counterparty.
A method for managing cash value-evaluated cryptocurrencies, the method comprising: (A) issuing, by a company server, cards or cryptocurrencies including cryptocurrency, gift certificate and discount coupon; (B) performing a business agreement regarding recognition and operation as goods for the cryptocurrencies between the company server and a management server; (C) acknowledging, by the management server, the cryptocurrencies as goods, determining cash value on the goods, and concluding a contract with the company server to allow payment of the cryptocurrencies in an online/offline shopping mall operated by another company server; (D) generating an electronic wallet on a user terminal to store the cryptocurrencies; (E) purchasing, by the user terminal, a commodity through the online/offline shopping mall and then performing payment by using the cryptocurrencies stored in the electronic wallet; (F) processing, by a blockchain, a transaction subject to the payment of the cryptocurrencies in connection with the electronic wallet, storing processing details in distributed blocks, and storing movements of the cryptocurrencies on the management server; and (G) depositing, by the company server, a commission for the payment of the cryptocurrencies into an account of the management server.
The method of claim 15, wherein the user terminal checks whether cryptocurrencies having upcoming expiration date are present among the cryptocurrencies stored in the electronic wallet of the user terminal, and notifies of the upcoming expiration date when the cryptocurrencies having the upcoming expiration date are present.
The method of claim 16, wherein the management server operates a sub-webpage for cryptocurrencies having an upcoming expiration date among the cryptocurrencies registered and managed by the management server, to notify corresponding cryptocurrencies, expiration dates, and cash values, and wherein the cash values are decreased as the expiration dates approach.
The method of claim 16, further comprising: (H) using, by the management server, member information registered on a card corresponding to a representative card number among cards issued by a credit card server among company servers to issue multiple TripPASS prepaid cards set in a recharging limit.
The method of claim 18, further comprising: (I) approving, by the management server, integrated payment using the representative card number, or approving integrated cancellation or partial cancellation for the approved integrated payment using the representative card number, when performing payment using the TripPASS prepaid cards.
The method of claim 16, further comprising: (J) registering, in the management server, selling conditions including types of cryptocurrencies among the cryptocurrencies stored in the seller terminal of the user terminal, selling price, and expiration date, wherein the management server includes a trading unit uploading the registered selling conditions to a trading website operated by the trading unit; (K) accessing, by the buyer terminal of the user terminal, the sales website to check and select the selling conditions, and paying selling price corresponding to the selected selling conditions to the seller; and (L) paying, by at least one of the seller terminal and the buyer terminal, commission for trading cryptocurrencies to the management server.

Description

[Technical Field] The present invention relates to a system and a method for managing cryptocurrencies evaluated by cash value, and more particularly, to a management system and a management method in which cryptocurrencies such as a cryptocurrency, a gift certificate and a discount coupon are recognized as commodities, determined as cash value, stored in a cryptocurrency wallet, and then used as a payment means like cash along with cards, or intermediated for allowing accomplishment of trades, and thus the adoption of cryptocurrencies is increased, the usability of cryptocurrencies is expanded, the utility value is further activated, and the card limit is extended. [Background Art] In general, cryptocurrency, such as Bitcoin or Ethereum, refers to a virtual currency that exists online and does not have a physical form such as banknote or coin. The cryptocurrency has no physical substance and is generally used only in a virtual environment for a transaction through distributed processing in a peer-to-peer (P2P) scheme collected, stored and transmitted in an electronic wallet based on a blockchain. Since a central processing unit is unnecessary, operating and managing costs are reduced and transactions are performed conveniently and safely. In other words, a transaction history is stored on computers of all users based on blockchain technology unlike general financial institutions that store the transaction history on a central server. Unlike general currencies, there is no issuer and anyone is allowed to mine cryptocurrency by decrypting. An account for the cryptocurrency is called an electronic wallet (cryptocurrency wallet), and each electronic wallet is assigned a unique number of approximately 30 characters combined by numbers and lowercases and uppercases of English alphabets to perform transactions based on public key cryptography. An account for the cryptocurrency may be generated at any place, such as smartphone or computer, in which an electronic wallet is usable, and the cryptocurrency may be transacted by generating a pair of encryption keys online when the account is generated. Credit cards and other simple payments actually result in a cash transaction as an amount used is withdrawn from a payment account deposited in a bankbook and an account transfer is made. However, commodities are allowed to be bought and sold by using only cryptocurrency, without cash. In Korea, for example, trading of the cryptocurrency is conducted through cryptocurrency exchanges such as Korbit, Bithumb, and Coinone. The cryptocurrency exchange refers to a system that allows a user to purchase desired cryptocurrency by depositing a corresponding amount to a virtual account, store the cryptocurrency in an electronic wallet and perform a transaction. However, due to disadvantage of relatively high price volatility, cryptocurrency may have very low adoption in real life, and have narrow usages in aspects of payment and settlement. In other words, the conventional electronic wallet is configured as a collecting applications (app) serving as a bankbook for virtual currency, and is limited in remittances or payments like an online bank account only after being cashed through a currency exchange process, thereby causing low adoption and narrow usages. In addition, because gift certificates or discount coupons are also limited to being used only at specific places or products, such as department store A, shoe store B, coffee shop C, and gas station D, thereby causing low adoption and narrow usages. Meanwhile, according to a basic mechanism for a payment system of using a card such as a credit card or debit card (check card), when a person requests an approval by using a card as a medium to pay for commodities, and the payment request amount exceeds a payment limit, for example, the payment request amount is 1 million KRW for a debit card recharged with 500,000 KRW, a payment server receiving the request may deny the approval, and accordingly, the payment may fail in a range exceeding a credit limit or balance limit. [Disclosure] [Technical Problem] The present invention is provided to solve the above-described conventional problems, and an object of the present invention is to provide a system and a method for managing cryptocurrencies evaluated by cash value to recognize cash value of cryptocurrency, gift certificate, discount coupon, and the like (hereinafter referred to as "cryptocurrencies") based on a business agreement and store the cryptocurrencies in an electronic wallet, so as to be integrated and used as a means of payment and settlement like cash together with cards upon purchasing goods or using services from companies recognizing the cash value, so that the adoption and wide utilization of the cryptocurrencies such as cryptocurrency, gift certificate, and discount coupon may be increased. In addition, another object of the present invention is to provide a system and a method for managing cryptocurrencies evaluate