KR102383017B1 - Method and system for blockchain-based mobile anonymous non-currency payment - Google Patents

Abstract

For mobile-based digital asset wallets, it provides a function to create a wallet anonymously (no account) and a wallet recovery function.

Description

Method and system for blockchain-based mobile bearer non-monetary payment

The description below relates to technology that provides blockchain-based payment services.

The simple payment service is an electronic payment service that enables quick and easy payments in online/offline commerce using payment information stored in mobile devices without going through complicated procedures using public certificates, etc. Also called

For example, in Korea Patent Publication No. 10-1634902 (registration date of June 23, 2016), online payment at a merchant using a password generated by a simple payment application installed in a user terminal without installing a security program for payment A technique for providing is disclosed.

It is a service that allows you to recharge digital assets through the purchase of an exchange order and refund an exchange order, and can provide an anonymous non-monetary payment service.

For digital asset wallets, wallet creation and wallet recovery functions can be provided anonymously (without an account).

A method of anonymous payment executed on a computer device, the computer device comprising at least one processor configured to execute computer readable instructions contained in a memory, the payment method comprising: by the at least one processor, non-login creating an accountless wallet in the bearer state of charging, by the at least one processor, digital assets through the purchase of an exchange order to the wallet; and processing, by the at least one processor, a payment using the digital asset through the wallet.

According to one aspect, the generating may include generating the wallet as an anonymously usable unique wallet address.

According to another aspect, the generating may include: registering a password of the wallet; and providing a recovery code of the wallet. When a dedicated app for the wallet is installed, when the password and the recovery code are input in an anonymous state of non-login, the wallet can be restored on the app.

According to another aspect, the generating may include: generating the wallet as an anonymously usable unique wallet address; providing a recovery code of the wallet; and storing the wallet address and the recovery code on a server, wherein when the recovery code is input in an anonymous state of non-login when a dedicated app for the wallet is installed, the wallet address matching the recovery code is obtained. The wallet can be restored on the app through

According to another aspect, the processing may include exchanging digital assets with at least one other user using the wallet address.

According to another aspect, the processing may include using the digital asset as currency in an interoperable service platform through the wallet address.

According to another aspect, the payment method further includes, by the at least one processor, registering another user's wallet address and nickname, wherein the processing includes: the amount of the digital asset is input and the The method may include moving the input amount of digital assets to a wallet address of the selected nickname when at least one nickname is selected from among the registered nicknames.

According to embodiments of the present invention, it is possible to provide an anonymous non-monetary payment service as a service capable of recharging digital assets through purchase of an exchange order and refunding an exchange order.

According to embodiments of the present invention, it is possible to provide a wallet creation function and a wallet recovery function anonymously for a digital asset wallet.

1 is a diagram illustrating an example of a network environment according to an embodiment of the present invention.
2 is a block diagram illustrating an example of a computer device according to an embodiment of the present invention.
3 is a diagram illustrating an example of a multi-transaction parallel processing system according to an embodiment of the present invention.
4 is a diagram illustrating an example of a transaction processing process of a multi-transaction parallel processing system according to an embodiment of the present invention.
5 is a flowchart illustrating an example of a multi-transaction parallel processing method according to an embodiment of the present invention.
6 shows an example of a wallet creation process in an embodiment of the present invention.
7 to 9 show examples of the PayApp screen in the wallet creation process according to an embodiment of the present invention.
10 shows an example of a wallet recovery process according to an embodiment of the present invention.
11 shows an example of the PayApp screen in the process of creating a wallet according to an embodiment of the present invention.
12 shows an example of the main screen of PayApp in an embodiment of the present invention.
13 to 14 show an example of the PayApp screen in the digital asset charging process according to an embodiment of the present invention.
15 to 16 show examples of the PayApp screen in the refund process according to an embodiment of the present invention.
17 to 19 show examples of the PayApp screen in the remittance process according to an embodiment of the present invention.
20 is a view showing an example of the PayApp screen in the process of checking the details according to an embodiment of the present invention.
21 to 22 show examples of the PayApp screen in the wallet management process according to an embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

Embodiments of the present invention relate to a technology for providing a blockchain-based payment service, and more particularly, to a method and system for a blockchain-based mobile bearer non-monetary payment.

The payment service according to various embodiments may be implemented on the multi-transaction parallel processing system described with reference to FIGS. 1 to 5 .

The multi-transaction parallel processing method according to embodiments of the present invention may be performed by at least one computer device. In this case, the computer program according to an embodiment of the present invention may be installed and driven in the computer device, and the computer device performs the multi-transaction parallel processing method according to the embodiments of the present invention under the control of the driven computer program. can The above-described computer program may be stored in a computer-readable recording medium in order to be combined with a computer device to execute a multi-transaction parallel processing method in the computer.

1 is a diagram illustrating an example of a network environment according to an embodiment of the present invention. The network environment of FIG. 1 shows an example including a plurality of electronic devices 110 , 120 , 130 , 140 , a plurality of servers 150 , 160 , and a network 170 . 1 is an example for explaining the invention, and the number of electronic devices or the number of servers is not limited as in FIG. 1 . In addition, the network environment of FIG. 1 only describes one example of environments applicable to the present embodiments, and the environment applicable to the present embodiments is not limited to the network environment of FIG. 1 .

The plurality of electronic devices 110 , 120 , 130 , and 140 may be a fixed terminal implemented as a computer device or a mobile terminal. Examples of the plurality of electronic devices 110 , 120 , 130 , 140 include a smart phone, a mobile phone, a navigation device, a computer, a notebook computer, a digital broadcasting terminal, a personal digital assistant (PDA), and a portable multimedia player (PMP). ), tablet PCs, etc. For example, in FIG. 1 , the shape of a smartphone is shown as an example of the electronic device 1110 , but in the embodiments of the present invention, the electronic device 1110 substantially connects the network 170 using a wireless or wired communication method. It may refer to one of various physical computer devices capable of communicating with other electronic devices 120 , 130 , 140 and/or servers 150 and 160 through the communication system.

The communication method is not limited, and not only a communication method using a communication network (eg, a mobile communication network, a wired Internet, a wireless Internet, a broadcasting network) that the network 170 may include, but also short-range wireless communication between devices may be included. For example, the network 170 may include a personal area network (PAN), a local area network (LAN), a campus area network (CAN), a metropolitan area network (MAN), a wide area network (WAN), and a broadband network (BBN). , the Internet, and the like. In addition, the network 170 may include any one or more of a network topology including a bus network, a star network, a ring network, a mesh network, a star-bus network, a tree or a hierarchical network, etc. not limited

Each of the servers 150 and 160 communicates with the plurality of electronic devices 110 , 120 , 130 , 140 and the network 170 through a computer device or a plurality of computers that provides commands, codes, files, contents, services, etc. It can be implemented in devices. For example, the server 150 may be a system that provides a service (eg, a payment service, etc.) to the plurality of electronic devices 110 , 120 , 130 , 140 connected through the network 170 .

2 is a block diagram illustrating an example of a computer device according to an embodiment of the present invention. Each of the plurality of electronic devices 110 , 120 , 130 , 140 or the servers 150 and 160 described above may be implemented by the computer device 200 illustrated in FIG. 2 .

As shown in FIG. 2 , the computer device 200 may include a memory 210 , a processor 220 , a communication interface 230 , and an input/output interface 240 . The memory 210 is a computer-readable recording medium and may include a random access memory (RAM), a read only memory (ROM), and a permanent mass storage device such as a disk drive. Here, a non-volatile mass storage device such as a ROM and a disk drive may be included in the computer device 200 as a separate permanent storage device distinct from the memory 210 . Also, an operating system and at least one program code may be stored in the memory 210 . These software components may be loaded into the memory 210 from a computer-readable recording medium separate from the memory 210 . The separate computer-readable recording medium may include a computer-readable recording medium such as a floppy drive, a disk, a tape, a DVD/CD-ROM drive, and a memory card. In another embodiment, the software components may be loaded into the memory 210 through the communication interface 230 instead of a computer-readable recording medium. For example, the software components may be loaded into the memory 210 of the computer device 200 based on a computer program installed by files received through the network 170 .

The processor 220 may be configured to process instructions of a computer program by performing basic arithmetic, logic, and input/output operations. The instructions may be provided to the processor 220 by the memory 210 or the communication interface 230 . For example, the processor 220 may be configured to execute a received instruction according to a program code stored in a recording device such as the memory 210 .

The communication interface 230 may provide a function for the computer device 200 to communicate with other devices (eg, the storage devices described above) through the network 170 . For example, a request, command, data, file, etc. generated by the processor 220 of the computer device 200 according to a program code stored in a recording device such as the memory 210 is transmitted to the network ( 170) to other devices. Conversely, signals, commands, data, files, etc. from other devices may be received by the computer device 200 through the communication interface 230 of the computer device 200 via the network 170 . A signal, command, or data received through the communication interface 230 may be transferred to the processor 220 or the memory 210 , and the file may be a storage medium (described above) that the computer device 200 may further include. persistent storage).

The input/output interface 240 may be a means for an interface with the input/output device 250 . For example, the input device may include a device such as a microphone, keyboard, or mouse, and the output device may include a device such as a display or a speaker. As another example, the input/output interface 240 may be a means for an interface with a device in which functions for input and output are integrated into one, such as a touch screen. The input/output device 250 may be configured as one device with the computer device 200 .

Also, in other embodiments, the computer device 200 may include fewer or more components than those of FIG. 2 . However, there is no need to clearly show most of the prior art components. For example, the computer device 200 may be implemented to include at least a portion of the above-described input/output device 250 or may further include other components such as a transceiver and a database.

3 is a diagram illustrating an example of a multi-transaction parallel processing system according to an embodiment of the present invention. As shown in FIG. 3 , the multi-transaction parallel processing system 300 according to the present embodiment may include a block chain 310 and a parallel processing module 320 . A plurality of service providers may be linked to the multi-transaction parallel processing system 300 , and FIG. 3 shows one service provider 330 among the plurality of service providers. Users 340 who use the service provided by the service provider 330 may receive the service of the service provider 330 based on a smart contract, for example, and the service provider 330 provides the service. Various transactions made in providing can be recorded in the block chain 310 . In this case, there are situations in which one subject must perform an individual transaction with each of a plurality of subjects, such as the service provider 330 providing a reward to the users 340 . At this time, the parallel processing module 320 may significantly improve the transaction processing speed by parallel processing of multiple transactions by one subject bundling transactions with each of a plurality of subjects with one transaction ID (transaction ID, TXID). there is. This parallel processing module 320 may be implemented in the form of multi-processing middleware to innovatively speed up the transaction speed (Transaction Per Second, TPS) between the users 340 and the block chain 310 .

4 is a diagram illustrating an example of a transaction processing process of a multi-transaction parallel processing system according to an embodiment of the present invention. FIG. 4 shows an example in which the parallel processing module 320 described with reference to FIG. 3 bundles and processes the 900 number of transactions into one TXID.

In the process of wallet A 410 sending one asset to 900 different wallets 420 one by one, the parallel processing module 320 converts the asset in 'TXID 1' to 1,000 assets of wallet A 410 . of asset ledger can be divided into 900 asset ledgers with 1 asset and asset ledgers with 100 remaining assets, and the separated ledger can be transferred to 900 addresses (900 different wallets 420) at a time. By sending each one, multiple transactions can be processed in parallel. In other words, the parallel processing module 320 may be implemented to process a plurality of sub-transactions (900 sub-transactions in the embodiment of FIG. 4 ) in one transaction. Since such parallel processing is performed within 10 seconds of block creation time, it is possible to remarkably reduce the transaction processing time compared to the 9,000 second transaction processing time required in the prior art.

In FIG. 4, the description was made on the assumption that the total assets of the wallet A 410 are 1,000, and there is one ledger having 1,000 such assets. If the total asset of wallet A 410 is 10,000 and it consists of several ledgers, the parallel processing module 320 may multi-process as much as the number of ledgers held by wallet A 410 .

In addition to payment of individuals using the service, that is, users 340 , as well as during asset movement, one subject bundles transactions with each of a plurality of subjects with a single transaction identifier (TXID) so that multiple transactions can be processed in parallel. For example, when one user remits money to two or more other users, multi-processing can be performed as many as the number of ledgers owned by the user.

5 is a flowchart illustrating an example of a multi-transaction parallel processing method according to an embodiment of the present invention. The multi-transaction parallel processing method according to the present embodiment may be performed by, for example, the computer device 200 implementing the parallel processing module 320 described above with reference to FIG. 3 . For example, the processor 220 of the computer device 200 may be implemented to execute a control instruction according to a code of an operating system included in the memory 210 or a code of at least one program. Here, the processor 220 causes the computer device 200 to perform the steps S510 to S540 included in the method of FIG. 5 according to a control command provided by the code stored in the computer device 200 . can control

In step S510, the computer device 200 receives a plurality of sub-transactions between the first subject and each of the plurality of second subjects for one transaction identified by one transaction identifier during one block generation period. can As an example, as described with reference to FIG. 4 , the first subject may include a wallet of a service provider that provides a service based on a block chain, and a plurality of second subjects are users who receive services provided by the service provider. It may include wallets. However, this is an example, and if one wallet delivers assets to multiple wallets, one wallet that delivers assets without distinction between service providers and service users may be the first subject, A plurality of wallets receiving the asset may be a plurality of second entities. Here, the plurality of sub-transactions include transactions in which the first subject transfers assets to each of the plurality of second subjects during one block generation period, and are formed in a group form by one transaction identifier that identifies one transaction. can be identified.

In step S520, the computer device 200 provides a plurality of first ledgers for a first subject for one transaction and a plurality of second subjects for each of a plurality of sub-transactions in one block generation period. Secondary ledgers can be created. In other words, unlike the existing one that generates only the ledger branched by the transaction while processing one transaction, the computer device 200 creates one ledger branched by each of a plurality of sub-transactions included in one transaction. By integrating generation during the block generation period of

In operation S530 , the computer device 200 may transmit the first ledger to the first subject and the plurality of second ledgers to the plurality of second subjects, respectively. In other words, the computer device 200 may transmit ledgers that are integratedly generated for multiple transactions to respective addresses (wallet addresses). For example, when the first subject is a service provider, the plurality of second ledgers may be delivered to second entities that are users of a service provided by the first subject through the first subject.

In step S540, the computer device 200 may add a block including one transaction identified by one transaction identifier to the block chain. As already described, a plurality of sub-transactions may be identified in the form of a group by one transaction identifier identifying one transaction. As an example, a block including one transaction identified by a corresponding transaction identifier may be transmitted to the block chain 310 by the parallel processing module 320 described in FIG. Blocks transmitted through consensus may be added to the block chain 310 .

Therefore, in this embodiment, the transaction processing speed can be innovatively increased by providing a transaction identifier (TXID) to multiple transactions between the user and the block chain to process multiple transactions in parallel.

Hereinafter, specific embodiments of a method and system for a blockchain-based mobile bearer non-monetary payment will be described.

Embodiments of the present invention provide a payment system capable of recharging digital assets through purchase of an exchange order and refunding an exchange order as a blockchain-based mobile bearer non-monetary payment system.

The payment system according to the present invention can be conveniently used by anyone with B2B, B2C, and no account (nameless), and digital assets purchased and charged are game services (eg, online/offline betting game-points, items, etc.), financial services ( For example, asset transfer and P2P lending), auction services (eg, home appliances, furniture, household goods and second-hand goods, etc.), and payment services (eg, online/offline affiliated stores, etc.) can be used through various services.

The payment system according to the present invention provides a wallet creation function and a wallet recovery function based on no account.

The wallet creation function means to create a wallet (hereinafter referred to as 'Pay Wallet') that can be used only on the device when a user uses it for the first time after installing a dedicated app (hereinafter referred to as 'Pay App') on a mobile device do. Pay wallet is created in the anonymous state of non-login, and once the Pay wallet is created, you can use the bearer non-monetary payment service on your mobile device without an account, that is, without logging in.

In the case of a new installation of PayApp after replacing a mobile device due to loss or damage, or a new installation of PayApp from the mobile device, the wallet information used in the past will be lost. Loss of wallet information means loss of personal assets connected to the wallet. In order to prevent the loss of personal assets, a wallet recovery function is provided when the Pay App is newly installed, so that the lost wallet information can be recovered and the service can be used in the same way as before.

6 shows an example of a wallet creation process in an embodiment of the present invention, and FIGS. 7 to 9 show an example of a PayApp screen in the wallet creation process in an embodiment of the present invention.

Since the payment system according to the present invention is operated as an anonymous non-monetary payment system, it is necessary to create a wallet that can be used in the device when the PayApp is downloaded and executed for the first time.

The computer device 200 displays the intro screen upon execution after the PayApp is installed (S61) and displays the Terms of Use screen after the PayApp intro (S62).

The computer device 200 may display an initial menu screen when the user inputs consent on the terms and conditions screen of the PayApp, and execute a wallet creation process according to the user's menu selection.

Referring to FIG. 7 , the initial menu screen 710 includes a 'create wallet' menu 711 and a 'restore wallet' menu 712 as the start screen of the PayApp.

When the 'create wallet' menu 711 is selected on the initial menu screen 710 (S63), the computer device 200 registers the automatic input prevention text through the automatic input prevention text screen 720 for information protection. (S64).

The computer device 200 provides a wallet creation screen when the automatic input prevention character registration is completed (S65). Referring to FIG. 8 , the wallet creation screen 830 is a screen for generating a password for the wallet, and consists of an interface screen where the user inputs the wallet password.

When the password registration of the wallet is completed, the computer device 200 provides a recovery code screen 840 including the given recovery code by giving a recovery code (S66). At this time, the recovery code is a code required to restore the wallet, and guides individuals to keep it through paper records.

The recovery code screen 840 includes a check box 841 for checking whether to keep the recovery code.

The computer device 200 provides a main screen 950 in which the payment service can be used as shown in FIG. 9 as the user's wallet is created on the PayApp when the recovery code grant is completed after the first execution of the PayApp ( S67).

When the recovery code storage check is not checked through the check box 841 of the recovery code screen 840, a warning notification 951 about the recovery code storage is always displayed at the top of the main screen 950 (S68).

The wallet created through the wallet creation function described above is a virtual wallet that can be used anonymously and is created with a unique wallet address.

Wallet information including the password registered by the user along with the wallet address and the recovery code given on the system is stored on the server 150 in preparation for wallet recovery.

10 shows an example of a wallet recovery process in an embodiment of the present invention, and FIG. 11 shows an example of a PayApp screen in the wallet creation process in an embodiment of the present invention.

The payment system according to the present invention can restore and use the existing wallet through the wallet recovery function when the PayApp is reinstalled.

The computer device 200 displays the intro screen upon execution after the PayApp is installed (S101) and displays the Terms of Use screen after the PayApp intro (S102).

The computer device 200 may display an initial menu screen 710 when the user inputs consent on the terms and conditions screen of the PayApp, and in this case, execute a wallet recovery process according to the user's menu selection.

When the 'wallet recovery' menu 712 is selected on the initial menu screen 710 (S103), the computer device 200 registers the automatic input prevention text through the automatic input prevention text screen 720 for information protection. (S104).

The computer device 200 provides a wallet recovery screen when the automatic input prevention character registration is completed (S105). Referring to FIG. 11 , the wallet recovery screen 1160 consists of an interface screen for inputting a password directly registered by the user during the wallet creation process, and a recovery code given by the system.

The computer device 200 performs a wallet recovery operation based on the password and recovery code input through the wallet recovery screen 1160 (S106). The wallet recovery operation is to restore a wallet address matching the password/recovery code input through the wallet recovery screen 1160 among the wallet information stored on the server 150 on the PayApp.

When the recovery of the wallet is completed, the computer device 200 provides the main screen 950 for using the payment service (S107).

12 shows an example of the main screen of PayApp in an embodiment of the present invention.

The main screen 950 displays the digital asset quantity and wallet address the user has. When long-touching the wallet address on the main screen 950, a function of automatically copying the wallet address to the clipboard is included.

The main screen 950 may include an interface for confirming a service usage guide used in connection with PayApp.

In particular, the QR code 120 including the user's wallet address is displayed on the main screen 950 .

In addition, the main screen 950 displays a 'Charge' menu 121 for charging digital assets through purchase of an exchange voucher, a 'Send' menu 122 for sending digital assets to other users, and digital assets as wallet address details. It may include a 'check details' menu 123 and a 'my page' menu 124 for confirming the sent history and the received history.

13 to 14 show an example of the PayApp screen in the digital asset charging process according to an embodiment of the present invention.

When the 'Charge' menu 121 is selected on the main screen 950 , the computer device 200 provides an exchange order purchase screen 1310 as shown in FIG. 13 .

The interface screen provided according to the selection of the 'Charge' menu 121 may consist of a 'Recharge' page for recharging digital assets through purchase of an Exchange Order and a 'Refund' page for refunding the purchased Exchange Order. , in this case, the voucher purchase screen 1310 corresponds to the 'Charge' page.

The user may purchase an exchange order to recharge the digital asset, and the computer device 200 moves to the exchange order purchase detail screen 1320 when the 'buy' menu 1311 is selected after selecting the purchase quantity of the exchange order.

The computer device 200 displays deposit information (amount to be deposited and an account) 1321 for purchasing an exchange order through the exchange order purchase detail screen 1320 . The exchange voucher purchase detail screen 1320 includes an interface 1322 for inputting the name of the depositor, and when the deposit is made with the same name as the name of the depositor entered through the interface 1322, the digital asset is charged.

In a state in which no deposit has been made to purchase an exchange order, as shown in FIG. 14 , a status menu 1412 including 'confirming deposit' status information may be displayed on the exchange order purchase screen 1310 . When the status menu 1412 is selected, a 'cancel purchase' menu 1431 for canceling purchase of an exchange order together with deposit information 1430 may be displayed. The user can check the deposit information 1430 through the status menu 1412 and can cancel the purchase by selecting the 'cancel purchase' menu 1431 .

The computer device 200 may display the digital asset quantity on the main screen 950 after the digital asset is automatically charged when a deposit for the exchange order purchase amount is made.

15 to 16 show examples of the PayApp screen in the refund process according to an embodiment of the present invention.

When the 'Refund' page is selected on the interface screen according to the selection of the 'Charge' menu 121 on the main screen 950, the computer device 200 displays an exchange voucher refund screen 1510 as shown in FIG. provides

The refund unit, refund fee, etc. can be checked through the exchange order refund screen 1510, and when the number of exchange tickets to be refunded is selected, the actual payment amount excluding the digital asset recovery amount, refund amount, and refund fee is automatically calculated and displayed.

When the user selects the quantity of exchange vouchers to be refunded and selects the 'refund request' menu 1511, it moves to the exchange voucher refund detail screen 1520. Refund request information (refund amount, refund fee, actual payment amount, etc.) according to the amount of exchange order to be refunded may be displayed on the exchange order refund detail screen 1520 , and an interface for registering account information to be refunded may be included.

When the user selects the 'Payment Request' menu 1521 after entering account information to be refunded on the Exchange Order Refund Details Screen 1520, as shown in FIG. 16, Exchange Order Refund Application Information on the Exchange Order Refund Details Screen 1520 (1612) is indicated.

If the refund amount has not been paid, 'waiting for payment' status information 1613 is displayed on the voucher refund detail screen 1520, and when the refund amount is paid, the digital asset is recovered and an application for a refund of the voucher Information 1612 is deleted.

If a problem occurs in the payment process for the refund amount, the 'Cancel payment application' menu 1614 may be displayed on the voucher refund detail screen 1520 along with payment error details, and click the 'Cancel payment application' menu 1614. After canceling the refund request, you can proceed with the refund request again.

17 to 19 show examples of the PayApp screen in the remittance process according to an embodiment of the present invention.

The payment system according to the present invention can send digital assets owned by a user to other users or receive digital assets sent by other users.

The computer device 200 provides a remittance screen 1710 as shown in FIG. 17 when the 'Send' menu 122 is selected on the main screen 950 .

On the remittance screen 1710, the user can check the details of the digital assets currently held by the user, and also enter the remittance quantity input field 1711 for inputting the amount of digital assets to be sent to other users and the wallet address of the user who will receive the digital assets to be sent. An address input field 1712 for input may be included.

As a method of entering the recipient's wallet address in the address input field 1712, the user directly enters it by typing, as well as automatically entering the wallet address registered in a frequently used address, and a QR photographed through QR shooting. There are ways to automatically enter the wallet address included in the code.

On the remittance screen 1710, a menu for automatically inputting the recipient's wallet address, a 'frequently used address' menu 1714 for calling up a list of wallet addresses registered in frequently used addresses, and a QR code containing the wallet address. A 'QR shooting' menu 1715 for

When the 'frequently used address' menu 1714 is selected, the computer device 200 provides a frequently used address screen 1720. At this time, the frequently used address screen 1720 contains a list of wallet addresses registered as frequently used addresses ( 1721) and a 'Register new address' menu 1722 for registering a new wallet address to a frequently used address may be included.

When a specific wallet address is selected from the wallet address list 1721 , it may be automatically reflected in the 'address' input field 1712 .

A nickname and wallet address can be matched and registered in frequently used addresses, and even if the user enters only a nickname without entering a wallet address in the 'address' input field 1712, it is possible to send to the wallet address matched with the nickname.

The computer device 200 may activate the QR shooting screen 1830 as shown in FIG. 18 when the 'QR shooting' menu 1715 is selected, and at this time, the QR code exposed on the counterpart's pay app, that is, You can take a picture of the QR code that contains the wallet address of the other party. The computer device 200 may reflect the wallet address recognized through QR shooting in the 'address' input field 1712 .

As shown in Fig. 19, when the user selects the 'Send' menu 1713, the amount of digital assets input in the 'Remittance amount' input field 1711 is transferred to the 'Address' input field 1712 with the wallet address (or You can send it to the wallet address of your nickname). When the sending is completed, the computer device 200 moves to the main screen 950 , and at this time, it is possible to check the details of the amount of digital assets deducted by the amount sent through the main screen 950 .

In the above description, the digital assets in the user's wallet are sent to one wallet address, but the present invention is not limited thereto, and it is also possible to send to two or more wallet addresses at a time according to the parallel processing of multiple transactions.

The payment system according to the present invention not only sends non-monetary digital assets to another user's wallet address through an anonymous (unaccounted) wallet address, but also provides money in various services such as games, auctions, and shopping that can be linked with PayApp. can be used as

20 is a view showing an example of the PayApp screen in the process of checking the details according to an embodiment of the present invention.

The payment system according to the present invention can provide a digital asset usage history through a wallet address.

When the 'check details' menu 123 is selected on the main screen 950 , the computer device 200 provides a transaction details screen 2010 as shown in FIG. 20 .

The transaction details screen 2010 may sort and show transaction details in recent order, and may provide transaction details for each unit period (eg, monthly, weekly, etc.). As the transaction history using the wallet address of the PayApp, it is possible to display the details of receiving digital assets and sending of digital assets separately.

21 to 22 show examples of the PayApp screen in the wallet management process according to an embodiment of the present invention.

The payment system according to the present invention may provide My Page as a management environment for a digital asset wallet.

When the 'My Page' menu 124 is selected on the main screen 950 , the computer device 200 provides the My Page screen 2110 as shown in FIG. 21 .

The My Page screen 2110 shows the 'Cash Receipt Settings' menu 2111 for setting cash receipts, the 'Notices' menu 2112 for checking Pay App or service related notices, and '1' for checking the inquiry board. :1 Inquiry' menu (2113), 'Wallet password management' menu (2114) for managing wallet password, 'Terms of service' menu (2115) for providing service terms and conditions, ' 'App information' menu 2116 and the like.

The computer device 200 provides a cash receipt setting screen 2120 when the 'cash receipt setting' menu 2111 is selected. The user can register a mobile phone number for issuing a cash receipt through the cash receipt setting screen 2120, and accordingly, a cash receipt corresponding to the amount of digital assets used through the Pay App is issued to the registered mobile phone number.

When the 'wallet password management' menu 2114 is selected, the computer device 200 provides a password change screen 2230 for changing a password or a password search screen 2240 for finding a password as shown in FIG. 22 do.

To change the password, the existing password verification process is required, and in the case of password recovery, the recovery code verification process given during the wallet creation process is required. In some cases, a password change and recovery code verification process may be required.

Therefore, in the payment system according to the present invention, digital assets, which are non-monetary, can be charged and used through the purchase of an exchange certificate, and these digital assets can be exchanged through an anonymous (unaccounted) wallet address. Since the digital asset wallet is created anonymously, if Pay App is reinstalled, the wallet can be restored using the recovery code given during the wallet creation process.

As described above, according to the embodiments of the present invention, it is possible to provide an anonymous non-monetary payment service as a service in which digital asset charging and exchange voucher refund are possible through purchase of an exchange order. In particular, according to embodiments of the present invention, it is possible to provide an anonymous wallet creation function and a wallet recovery function for a digital asset wallet.

The device described above may be implemented as a hardware component, a software component, and/or a combination of the hardware component and the software component. For example, the apparatus and components described in the embodiments may include a processor, a controller, an arithmetic logic unit (ALU), a digital signal processor, a microcomputer, a field programmable gate array (FPGA), and a programmable logic unit (PLU). It may be implemented using one or more general purpose or special purpose computers, such as a logic unit, microprocessor, or any other device capable of executing and responding to instructions. The processing device may execute an operating system (OS) and one or more software applications executed on the operating system. A processing device may also access, store, manipulate, process, and generate data in response to execution of the software. For convenience of understanding, although one processing device is sometimes described as being used, one of ordinary skill in the art will recognize that the processing device includes a plurality of processing elements and/or a plurality of types of processing elements. It can be seen that can include For example, the processing device may include a plurality of processors or one processor and one controller. Other processing configurations are also possible, such as parallel processors.

Software may comprise a computer program, code, instructions, or a combination of one or more thereof, which configures a processing device to operate as desired or is independently or collectively processed You can command the device. The software and/or data may be embodied in any tangible machine, component, physical device, computer storage medium or device for interpretation by or providing instructions or data to the processing device. there is. The software may be distributed over networked computer systems and stored or executed in a distributed manner. Software and data may be stored in one or more computer-readable recording media.

The method according to the embodiment may be implemented in the form of program instructions that can be executed through various computer means and recorded in a computer-readable medium. In this case, the medium may be to continuously store a program executable by a computer, or to temporarily store it for execution or download. In addition, the medium may be various recording means or storage means in the form of a single or several hardware combined, it is not limited to a medium directly connected to any computer system, and may exist distributed over a network. Examples of the medium include a hard disk, a magnetic medium such as a floppy disk and a magnetic tape, an optical recording medium such as CD-ROM and DVD, a magneto-optical medium such as a floppy disk, and those configured to store program instructions, including ROM, RAM, flash memory, and the like. In addition, examples of other media may include recording media or storage media managed by an app store that distributes applications, sites that supply or distribute other various software, and servers.

As described above, although the embodiments have been described with reference to the limited embodiments and drawings, various modifications and variations are possible from the above description by those skilled in the art. For example, the described techniques are performed in an order different from the described method, and/or the described components of the system, structure, apparatus, circuit, etc. are combined or combined in a different form than the described method, or other components Or substituted or substituted by equivalents may achieve an appropriate result.

Therefore, other implementations, other embodiments, and equivalents to the claims are also within the scope of the following claims.

Claims (7)

A method for anonymous payment executed on a computer device, the method comprising:
the computer device comprises at least one processor configured to execute computer readable instructions contained in a memory;
The anonymous payment method is:
generating, by the at least one processor, an accountless wallet in a non-login anonymous state;
charging, by the at least one processor, digital assets through the purchase of an exchange order to the wallet; and
processing, by the at least one processor, a payment using the digital asset through the wallet;
including,
The anonymous payment method is:
To provide a payment service using the wallet with no account without logging in from the computer device,
The step of creating an accountless wallet in the anonymous state of the non-login is,
registering the password of the wallet;
providing a recovery code of the wallet when registration of the password is completed;
generating the wallet to be used for payment without an account without logging in by generating a unique wallet address when the granting of the recovery code is completed;
checking whether the recovery code is stored; and
displaying a notification about the storage of the recovery code on a screen displayed on the computer device when the storage check for the recovery code is not made
An anonymous payment method that includes. delete According to claim 1,
When the dedicated app of the wallet is installed on the computer device, the wallet is restored on the app when the password and the recovery code are input in an anonymous state of non-login
An anonymous payment method characterized by. According to claim 1,
The step of creating an accountless wallet in the anonymous state of the non-login is,
Storing the wallet address and the recovery code on a server
further comprising,
When the dedicated app of the wallet is installed on the computer device, if the recovery code is input in the anonymous state of non-login, the wallet is restored on the app through the wallet address matching the recovery code
An anonymous payment method characterized by. According to claim 1,
The processing step is
exchanging digital assets with at least one other user using the wallet address
An anonymous payment method that includes. According to claim 1,
The processing step is
Using the digital asset as currency in a service platform that can be linked through the wallet address
An anonymous payment method that includes. According to claim 1,
The anonymous payment method is:
Registering, by the at least one processor, another user's wallet address and nickname
further comprising,
The processing step is
When the quantity of digital assets is input and at least one nickname among the registered nicknames is selected, moving the digital assets of the input quantity to a wallet address of the selected nickname;
An anonymous payment method that includes.

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