WO2019054823A1 - 가상 화폐를 이용하여 atm 거래를 수행하는 방법 - Google Patents
가상 화폐를 이용하여 atm 거래를 수행하는 방법 Download PDFInfo
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- WO2019054823A1 WO2019054823A1 PCT/KR2018/010915 KR2018010915W WO2019054823A1 WO 2019054823 A1 WO2019054823 A1 WO 2019054823A1 KR 2018010915 W KR2018010915 W KR 2018010915W WO 2019054823 A1 WO2019054823 A1 WO 2019054823A1
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- transaction
- virtual
- currency
- virtual money
- virtual currency
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR 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
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/108—Remote banking, e.g. home banking
- G06Q20/1085—Remote banking, e.g. home banking involving automatic teller machines [ATMs]
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR 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
- G06Q20/04—Payment circuits
- G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
- G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR 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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
- G06Q20/3678—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes e-cash details, e.g. blinded, divisible or detecting double spending
Definitions
- the present invention relates to a method of performing an ATM transaction using virtual money, and more particularly, to an ATM transaction method that eliminates the risk of real-time price fluctuation of virtual money.
- a problem to be solved by the present invention is to provide a method of performing an ATM transaction using a virtual currency, which enables a virtual money to be used to withdraw a real currency or to conduct a transaction such as an account transfer.
- Another problem to be solved by the present invention is to provide a method of performing an ATM transaction using a virtual money in which a risk due to real-time price fluctuation of a virtual currency is eliminated when a real money is withdrawn or a money transfer is made using virtual money in an ATM device .
- Another object of the present invention is to provide a method for performing an ATM transaction using a virtual currency that calculates cash withdrawal or account transfer limit in an ATM device in consideration of real-time price fluctuation of virtual money.
- a method for performing an ATM transaction using a virtual currency of the present invention includes a financial server and a virtual money exchange server interlocked with an ATM device, wherein the virtual money exchange server uses a virtual currency Receiving an ATM transaction request amount and a transaction request decision request for a specific electronic wallet from the financial server, the transaction request amount being displayed in real money units; Inquiring the virtual money balance of the electronic wallet, the virtual money balance being displayed in units of the virtual currency; Comparing the transaction request amount with the virtual currency balance to determine whether the transaction is possible; And notifying the financial server of the determination result of the transaction availability, wherein the determination result is displayed on a screen of the ATM device, and the step of determining whether or not the transaction is possible comprises: It is determined whether or not an amount obtained by multiplying the money balance by the same currency unit and multiplying the virtual money balance by the variable supplementary rate which is a predetermined ratio is larger than the transaction request amount.
- the unification of the transaction request amount and the virtual currency balance in the same denomination may be performed by changing the transaction request amount in units of the virtual currency, or changing the virtual money balance to the real money .
- the conversion rate of the virtual money and the real money at the time of unification can be applied.
- variable complement rate may be greater than zero and less than one.
- variable supplement rate may be a rate determined based on a change in the conversion rate of the virtual currency and the real currency.
- the fluctuation supplement rate is also increased, and if the fluctuation rate of the conversion rate of the virtual currency and the real currency is small, .
- the step of determining whether or not the transaction is possible may further include the step of determining the variable supplement rate.
- the step of determining the variable supplement rate may include receiving information on the conversion rate of the virtual currency and the virtual currency, Calculating a variation range, and determining the variation supplement ratio based on the variation range.
- the method may further include receiving a request to sell a virtual money amount corresponding to the transaction request amount from the financial server if it is determined that the transaction is possible .
- the method may further include notifying the financial server of the completion of selling the virtual money according to the selling request.
- the method may further include selling the amount of virtual money corresponding to the transaction request amount in the electronic wallet.
- the conversion rate of the virtual currency and the real currency applied in the step of selling the virtual currency and the conversion rate of the virtual currency, the virtual currency May be different.
- the method may further include delivering the selling proceeds to the institution corresponding to the financial server in selling the virtual currency.
- the virtual currency may be at least one of bit coin or etherium.
- the method may further include notifying the financial server of the quantity of the virtual money corresponding to the transaction request amount.
- the method further includes receiving from the financial server information that the user of the ATM device has confirmed that the transaction amount is paid by selling the amount of the virtual currency corresponding to the transaction request amount can do.
- the ATM transaction may include cash withdrawal, or wire transfer.
- a method of performing an ATM transaction using a virtual currency can eliminate a risk due to real-time price fluctuation of a virtual currency when withdrawing or transferring real money from an ATM device.
- the method of performing an ATM transaction using a virtual currency can calculate a withdrawable or transferable limit in consideration of real-time price fluctuation of a virtual currency.
- FIG. 1 schematically shows a configuration of a system in which a method of performing an ATM transaction using a virtual currency according to an embodiment of the present invention is performed.
- FIG. 2 is a flowchart illustrating a method of performing an ATM transaction using a virtual currency according to an embodiment of the present invention.
- FIG. 3 shows a flow of performing a step of receiving a transaction request amount and a request for determining a transaction availability and a step of inquiring a virtual money balance.
- FIG. 4 is a flowchart for explaining the detailed steps of determining whether or not the transaction is possible.
- FIG. 5 shows a flow of a step of notifying the result of determination and the quantity of virtual money to be sold.
- FIG. 6 shows a flow in which a step of receiving a request to sell virtual money, a step of selling virtual money, a step of notifying completion of sale, and a step of delivering a payout are performed.
- FIG. 1 schematically shows a configuration of a system in which a method of performing an ATM transaction using a virtual currency according to an embodiment of the present invention is performed.
- a system in which an ATM transaction is performed using virtual money includes a financial server 100, an ATM device 200, and a virtual money exchange server 300.
- the financial server 100, the ATM device 200, and the virtual money exchange server 300 may be connected to each other through a communication network such as the Internet.
- the communication network includes both wired and wireless communication.
- the communication network may be composed of various communication networks such as a local area network (LAN), a metropolitan area network (MAN), and a wide area network (WAN).
- An ATM (Automatic Teller's Machine) device 200 is also called an automatic teller machine or an automatic financial transaction terminal. Even if a transaction customer of a financial institution can not access the dealers' window, Such as cash withdrawals, cash deposits, bank transfers, and currency exchanges.
- the ATM device (200) can be directly connected to and installed in a place other than the window of the branch office for the purpose of rationalizing the business such as the operation of the non-business hours and the holiday operation of the financial institution, and improving the customer service.
- the ATM device 200 is provided with a function of supporting cash withdrawal or account transfer of the user. This function may be provided by the embedded software installed from the beginning when the ATM device 200 is manufactured.
- the financial server 100 is a server device that interlocks with the ATM device 200, processes various tasks for financial transactions, and stores related databases.
- the financial server 100 may be a separate entity operating a transaction of the ATM device 200 or a program.
- the financial server 100 can determine whether or not the transaction of the ATM device 200 is possible, determine whether the transaction is approved, approve the transaction, and perform cash withdrawal using virtual currency.
- Various tasks of the financial server 100 will be described in more detail below.
- the virtual money exchange server 300 is a server apparatus that performs transaction work for switching between virtual money and real money.
- the virtual money exchange server 300 may perform a transaction task of mutually converting at least one kind of virtual money, at least one kind of virtual money, and real money.
- a server apparatus that performs transaction work for switching a specific kind of real money to each other.
- the virtual currency is a bit coin
- the real currency is Korean won (KRW).
- KRW Korean won
- the present invention is not limited to this kind of virtual money or real money.
- the ATM device 200 may be connected to the virtual money exchange server 300 through the financial server 100 or may be directly connected to the virtual money exchange server 300 in a state of being linked with the financial server 100. [ Hereinafter, the case where the ATM device 200 is connected to the financial server 100 and the financial server 100 is connected to the virtual money exchange server 300 will be described.
- the ATM device 200 in order to perform the virtual currency transaction in the ATM device 200, it is necessary to add a function for the virtual currency transaction to the software installed in the ATM device 200.
- This can be implemented by adding a module for providing a virtual money transaction function to the software built in the ATM device 200 and updating it.
- the ATM device 200 performs a process of confirming the electronic wallet information of the user.
- the user can provide information for the virtual currency transaction to the ATM device 200 using a card equipped with the electronic wallet information or using an application embedded in the smart phone.
- the ATM device 200 displays a QR code for virtual currency trading, and a user uses the QR code reader (program) So that the electronic money exchange information can be transmitted to the virtual money exchange server 300.
- the QR code reading camera is mounted on the ATM device 200 and the QR code stored in the smart phone of the user is recognized by the ATM device 200, so that the electronic wallet information of the user is transmitted to the virtual money exchange server (300).
- the public address of a virtual currency using a block chain has 32 bytes (bytes) to 35 bytes of data, which is a combination of numbers, lowercase letters and uppercase letters. Therefore, since it is difficult for a user who uses a virtual currency to memorize or record electronic wallet information directly, it is effective to convert the electronic wallet information into a QR code to conduct a transaction.
- the conversion rate of the virtual currency and the real currency can be changed in real time through the virtual currency exchange server 300.
- the conversion rate between virtual currency and real currency can be determined by buying and selling orders of trading participants.
- the virtual money exchange server 300 may be operated by a virtual money exchange.
- the virtual currency exchange can participate as a participant in the block chain system.
- a trader who trades virtual currency in a virtual currency exchange can participate as a participant in the block chain system.
- a trader who trades a virtual currency at a virtual currency exchange may not only participate as a participant in a block chain, but also create and retain a virtual currency account through the exchange.
- An account of a virtual currency is also called an electronic purse.
- ATM users In order to conduct ATM transactions using virtual money, ATM users must have virtual money accounts that can trade and hold virtual money in the virtual money market. If the virtual currency is implemented by a block chain, the ATM user may participate as a participant in the block chain system, as described above, or may only generate and maintain a virtual money account through the exchange without participating as a participant in the block chain .
- the user's electronic wallet and the financial account In order to perform the ATM transaction using the virtual money, the user's electronic wallet and the financial account must be connected or the electronic wallet information of the user must be registered in the financial server 100. [ This means that the financial server 100 stores the user's financial information and the user's virtual money account information in association with each other. Accordingly, the ATM user can select the ATM transaction using the virtual currency in the ATM device 200, and if the ATM transaction using the virtual currency is selected, the transaction information of the ATM user is transmitted through the financial server 100 to the virtual money exchange server 300).
- the virtual currency exchange server 300 may inquire the virtual money balance of the electronic wallet arbitrarily or with the consent of the holder of the electronic wallet. And may transmit the determined result to the financial server 100 based on the virtual money balance of the electronic wallet.
- FIG. 2 is a flowchart illustrating a method of performing an ATM transaction using a virtual currency according to an embodiment of the present invention.
- a method for performing an ATM transaction using a virtual currency includes receiving a transaction request amount and a transaction availability determination request (S100), inquiring a virtual money balance (S200) A step S 500 of receiving a request to sell virtual money, a step S 500 of selling virtual money, a step S 400 of selling virtual money, A step S700 of notifying the completion of the sale, and a step S800 of transmitting a selling price.
- S100 transaction request amount
- S200 inquiring a virtual money balance
- FIG. 3 shows a flow of performing a step S100 of receiving a transaction request amount and a transaction availability determination request, and a step S200 of inquiring a virtual money balance.
- step S100 the virtual money exchange server 300 receives the transaction request amount and the transaction availability determination request from the financial server 100 according to the transaction request transmitted from the ATM device 200 to the specific electronic wallet The transaction request amount and the transaction availability determination request.
- the financial server 100 may perform the step S90 of receiving a transaction request from the ATM device 200.
- the transaction request amount of the ATM device user means an amount of money that the user wants to perform a financial transaction such as withdrawing or transferring through the ATM device 200.
- the financial server 100 should determine whether the payment request amount received from the ATM device 200 is payable in the electronic wallet of the user. Accordingly, the financial server 100 transmits a transaction request amount and a transaction request decision request to the virtual money exchange server 300, and the virtual money exchange server 300 receives the request.
- the planned amount of money is expressed in units of real money.
- step S200 the virtual money exchange server 300 inquires the virtual money balance of the electronic wallet specified in step S100.
- Information on the virtual money balance of the electronic wallet may be stored in the virtual money exchange server 300 or in another server accessible to the virtual money exchange server 300.
- the virtual money exchange server 300 can obtain the consent of the holder of the electronic wallet in advance in order to inquire the virtual money balance of the specific electronic wallet.
- the balance of virtual currency is displayed in units of virtual currency.
- the virtual money balance queried in step S200 is used as a basis of determination in step S300 of determining whether or not the transaction is possible later.
- the inquired virtual money balance is transmitted to the financial server 100 and the financial server 100 may determine whether or not the transaction is possible.
- the inquired virtual money balance is temporarily or permanently stored in the virtual money exchange server 300, and only the virtual money exchange server 300 determines whether or not the transaction is possible.
- step S300 is a flowchart for explaining the detailed steps of the step S300 of determining whether or not the transaction is possible.
- the step S300 of determining whether the transaction is possible is performed.
- the transaction request amount and the virtual money balance are unified into a monetary unit of the same type, and it is determined whether or not an amount obtained by multiplying the virtual money balance by a predetermined complementary rate, .
- the step S300 of determining whether or not the transaction is possible includes a step S310 of determining a variable supplement rate, a step S320 of unifying the transaction request amount and the virtual money balance in the same denomination, (S330) whether the payment can be made in consideration of the rate.
- variable supplement rate will be described.
- a method of performing an ATM transaction using a virtual currency of the present invention is to trade an amount denoted by a unit of real money using a virtual money balance of the electronic wallet.
- ATM users can trade real money within the balance of virtual currency. It is necessary to judge whether the transaction request amount for the transaction such as cash withdrawal or account transfer is within the virtual money balance in the ATM transaction using the virtual currency.
- the conversion rate between virtual currency and real currency varies in real time. This means that if the value of the virtual money balance is expressed in real money, the value changes in real time. Therefore, the value of the virtual money may change between the time of approving the transaction through the ATM device 200 and the point of selling the actual virtual money according to the transaction. If the value of the virtual currency, which is measured in real currency units between the above points, falls, the transaction limit is reduced. Therefore, the trading limit should be calculated in consideration of the change in value of these virtual currencies.
- variable supplement rate is considered in determining the transaction limit based on the virtual money balance.
- the variable complement rate is a discount rate that discounts the actual trading limit from the value of the virtual currency at present, taking into account the change in the conversion rate of the virtual currency and the real currency.
- variable complement rate is the rate multiplied by the virtual money balance. Since the variable complement rate is a concept of discount rate that discounts the value of the virtual money balance, it is preferable to be larger than 0 and smaller than 1.
- variable rate supplemental rate instead of the above-described variable supplemental rate, the converted variable rate supplemental rate concept may be used.
- the transformed complementary rate is the concept of the rate of increase that increases the amount requested of a transaction.
- the variable complementary rate is inversely related to the converted variable complementary rate. Therefore, it is mathematically equivalent to use the transformed complementary rate instead of the variable complementary rate, and it is obvious that this is included in the scope of the present invention. Only the variable complementary rate will be described below.
- the virtual money exchange server 300 can set the variable supplement rate to a predetermined value.
- the virtual money exchange server 300 can set the variable supplement rate based on the change in the conversion rate of the virtual money and the real money. For example, when the fluctuation of the conversion rate of the virtual currency and the real currency is increased, the variation supplement rate is increased. When the variation range of the virtual currency and the real currency is decreased, the variation supplement rate is also decreased. Specifically, for example, if the index indicating the fluctuation range of the virtual currency and the real currency during the predetermined period is 20, the variable supplement ratio can be set to 0.96, and the index indicating the variation range of the virtual currency and the real currency during the same period Is 50, the variable complementary ratio can be set to 0.92.
- the fluctuation trend of the virtual money can be determined by a predetermined judgment algorithm.
- the step of determining the variable supplement rate includes receiving information on the conversion rate of the virtual currency and the real currency, And determining a variable supplement rate.
- the step of receiving information on the conversion rate of the virtual currency and the real currency is a step of receiving information on the conversion rate of the virtual currency and the real currency in real time.
- the virtual money exchange server 300 can receive information on the conversion rates of virtual money and real money through transaction information traded on the server itself or the Internet.
- the step of calculating the variation range of the conversion rate is a step of calculating the variation range of the conversion rate from the information about the conversion rate of the virtual money and the real money.
- a period for calculating the variation range of the conversion rate, and the like can be changed and set variously.
- the step of determining the variable supplementing rate is a step of determining the variable supplementing rate based on the variation of the conversion rate.
- the variation range of the conversion rate and the variation supplement rate can be determined by predetermined rules.
- the unit is unified in order to determine whether the amount obtained by multiplying the virtual money balance, which is a predetermined ratio, the variable complementary ratio, .
- the balance of the virtual currency existing in the electronic purse of the ATM user is 1 bit coin and the value of the 1-bit coin is 2,500,000 at the present time
- the balance of the virtual currency is changed as follows, Units can be unified.
- step S330 whether or not the transaction can be performed in consideration of the variable supplement rate is determined by determining whether the amount obtained by multiplying the virtual money balance by the variable rate supplemented by the predetermined ratio, to be.
- the financial server 100 compares the transaction limit of KRW 2,375,000 with the transaction request amount of KRW 2,200,000. In the above example, since the transaction limit is larger than the transaction request amount, it is determined that the transaction is possible.
- the financial server 100 compares the transaction limit of 225,000 won with the transaction request amount of 230,000 won. In the above example, since the transaction limit is smaller than the transaction request amount, it is determined that the transaction is impossible.
- FIG. 5 shows a flow of performing the step S400 of notifying the determination result and the quantity of the virtual currency to be sold.
- step S400 the virtual money exchange server 300 notifies the financial server 100 of the determination result in step S300 of determining whether the transaction is possible.
- the virtual money exchange server 300 can notify the financial server 100 of the quantity of the virtual money to be sold when the transaction proceeds according to the determination result.
- the financial server 100 can be notified that the money will be withdrawn or transferred to the account.
- the number of virtual moneys to be sold may be transferred to the ATM device 200 again in the financial server 100 (S410).
- the ATM user confirms the quantity of the virtual money to be sold displayed on the ATM device 200, and then enters the confirmation (S420).
- the financial server 100 may notify the virtual money exchange server 300 that the transaction has been approved by the confirmation input of the ATM user or the like (S430).
- the quantity of the virtual money to be notified in step S400 may be different from the quantity of the virtual money to be finally sold. This is due to the change in the conversion rate between virtual money and real money. For example, if the settlement request amount is 2,200,000, the real money conversion rate of 1-bit coin is 2,500,000 (won / bit coin) at the time when the step S400 is performed, but then the actual virtual money sale step S600 When the actual currency conversion rate of 1-bit coin is 2,400,000 (won / bit coin) at the time of execution, about 0.9167 bit coin can be actually sold.
- FIG. 6 is a flowchart illustrating a process of receiving a virtual money sale request (S500), selling virtual money (S600), notifying completion of sale (S700), and transferring a selling price (S800) It is.
- the step S 500 of receiving the sale request of the virtual money is a step in which the virtual money exchange server 300 receives a request to sell the virtual money in the quantity corresponding to the transaction request amount from the financial server 100.
- the financial server 100 requests the virtual money exchange server 300 to sell virtual money corresponding to 2,200,000 won in the electronic purse of the ATM user .
- the virtual money exchange server 300 receives the request and inputs a purchase order for selling virtual money corresponding to 2,200,000 won.
- step S600 the virtual money exchange server 300 sells a quantity of virtual money corresponding to the transaction request amount in the electronic wallet of the ATM user.
- the step S600 may be performed in correspondence with the step S500 or if it is determined that the transaction is possible in the step S300 of judging whether or not the transaction is possible without requesting the sale from the separate financial server 100,
- the exchange server 300 may perform step S600.
- the conversion rate of virtual currency and physical currency applied in step S300 of determining whether or not the transaction is possible may be different from the conversion rate of virtual currency and real currency applied in step S600 of selling virtual currency.
- the real currency conversion rate of 1-bit coin is 2,500,000 (won / bit coin)
- the real currency conversion rate may be 2,400,000 (won / bit coin). Even in this case, a bit coin equivalent to 2,200,000 won (about 0.9167 bit coin) is sold at the time point when the step S600 is performed in the electronic purse of the ATM user.
- step S700 the virtual money exchange server 300 notifies the financial server 100 of the completion of selling the virtual money in response to the sale request of step S500.
- the financial server 100 transmits the result of the sale received from the virtual money exchange server 300 to the ATM device 200 at step S710 and the user can confirm the result of the sale through the ATM device 200.
- step S800 the virtual money exchange server 300 transmits the sale proceeds to the financial server 100 in step S600.
- the selling price is transferred as an ATM transaction price approved by the financial server 100.
- the risk of the real money price of the virtual money is changed Can be removed.
- the settlement limit can be calculated in consideration of the real-time price fluctuation of the virtual currency. Therefore, if the price of the virtual currency does not fluctuate more than the unpredictable level, it is possible to prevent the settlement of the virtual currency from exceeding the balance of the virtual currency.
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Abstract
Description
Claims (17)
- ATM 기기와 연동되는 금융 서버 및 가상 화폐 거래소 서버를 포함하는 시스템에서, 상기 가상 화폐 거래소 서버가 가상 화폐를 이용하여 ATM 거래를 수행하는 방법에 있어서,상기 금융 서버로부터 특정 전자 지갑에 대한 ATM 거래 요청 금액 및 거래 가능 여부의 판단 요청을 수신하는 단계-상기 거래 요청 금액은 실물 화폐 단위로 표시됨-;상기 전자 지갑의 가상 화폐 잔고를 조회하는 단계-상기 가상 화폐 잔고는 상기 가상 화폐의 단위로 표시됨-;상기 거래 요청 금액과 상기 가상 화폐 잔고를 비교하여 거래 가능 여부를 판단하는 단계; 및상기 금융 서버에 상기 거래 가능 여부의 판단 결과를 통보하는 단계를 포함하고,상기 거래 가능 여부를 판단하는 단계는,상기 거래 요청 금액 및 상기 가상 화폐 잔고를 동종의 화폐 단위로 통일하고, 상기 가상 화폐 잔고에 미리 정해진 비율인 변동보완율을 곱한 금액이 상기 거래 요청 금액보다 큰지 여부를 판단하는 가상 화폐를 이용하여 ATM 거래를 수행하는 방법.
- 제1 항에 있어서,상기 거래 요청 금액 및 상기 가상 화폐 잔고를 동종의 화폐 단위로 통일하는 것은,상기 거래 요청 금액을 상기 가상 화폐의 단위로 변경하거나 또는 상기 가상 화폐 잔고를 상기 실물 화폐의 단위로 변경하는 것인 가상 화폐를 이용하여 ATM 거래를 수행하는 방법.
- 제1 항에 있어서,상기 거래 요청 금액 및 상기 가상 화폐 잔고를 동종의 화폐 단위로 통일하는 것에는, 통일하는 시점의 상기 가상 화폐와 상기 실물 화폐의 전환율이 적용되는 가상 화폐를 이용하여 ATM 거래를 수행하는 방법.
- 제1 항에 있어서,상기 변동보완율은 0보다 크고 1보다 작은 가상 화폐를 이용하여 ATM 거래를 수행하는 방법.
- 제1 항에 있어서,상기 변동보완율은 상기 가상 화폐와 상기 실물 화폐의 전환율의 변동에 기반하여 정해지는 비율인 가상 화폐를 이용하여 ATM 거래를 수행하는 방법.
- 제5 항에 있어서,상기 가상 화폐와 상기 실물 화폐의 전환율의 변동폭이 커지면 상기 변동보완율도 커지도록 변경되고, 상기 가상 화폐와 상기 실물 화폐의 전환율의 변동폭이 작아지면 상기 변동보완율도 작아지도록 변경되는 가상 화폐를 이용하여 ATM 거래를 수행하는 방법.
- 제1 항에 있어서,상기 거래 가능 여부를 판단하는 단계는, 상기 변동보완율을 결정하는 단계를 더 포함하는 가상 화폐를 이용하여 ATM 거래를 수행하는 방법.
- 제7 항에 있어서,상기 변동보완율을 결정하는 단계는,상기 가상 화폐와 상기 실물 화폐의 전환율에 대한 정보를 수신하는 단계;상기 가상 화폐와 상기 실물 화폐의 전환율에 대한 정보로부터 변동폭을 계산하는 단계; 및상기 변동폭에 기반하여 상기 변동보완율을 결정하는 단계를 포함하는 가상 화폐를 이용하여 ATM 거래를 수행하는 방법.
- 제1 항에 있어서,상기 거래 가능 여부를 판단하는 단계에서 거래가 가능하다고 판단되면, 상기 금융 서버로부터 상기 거래 요청 금액에 대응하는 수량의 가상 화폐의 매도 요청을 수신하는 단계를 더 포함하는 가상 화폐를 이용하여 ATM 거래를 수행하는 방법.
- 제9 항에 있어서,상기 금융 서버에 상기 매도 요청에 따른 가상 화폐의 매도 완료를 통보하는 단계를 더 포함하는 가상 화폐를 이용하여 ATM 거래를 수행하는 방법.
- 제1 항에 있어서,상기 전자 지갑에서 상기 거래 요청 금액에 대응하는 수량의 가상 화폐를 매도하는 단계를 더 포함하는 가상 화폐를 이용하여 ATM 거래를 수행하는 방법.
- 제11 항에 있어서,상기 거래 가능 여부를 판단하는 단계에서 적용되는 상기 가상 화폐와 상기 실물 화폐의 전환율과 상기 가상 화페를 매도하는 단계에서 적용되는 상기 가상 화폐와 상기 실물 화폐의 전환율은 서로 다른 가상 화폐를 이용하여 ATM 거래를 수행하는 방법.
- 제11 항에 있어서,상기 가상 화폐를 매도하는 단계에서 매도한 매도 대금을 상기 금융 서버에 해당하는 기관에 전달하는 단계를 더 포함하는 가상 화폐를 이용하여 ATM 거래를 수행하는 방법.
- 제1 항에 있어서,상기 가상 화폐는 비트코인 또는 이더리움 중 적어도 하나인 가상 화폐를 이용하여 ATM 거래를 수행하는 방법.
- 제1 항에 있어서,상기 금융 서버에 상기 거래 요청 금액에 대응하는 가상 화폐의 수량을 통보하는 단계를 더 포함하는 가상 화폐를 이용하여 ATM 거래를 수행하는 방법.
- 제15 항에 있어서,상기 ATM 기기의 사용자가 상기 거래 요청 금액에 대응하는 가상 화폐의 수량을 매도하여 거래 대금을 지급한다는 것을 확인하였다는 정보를 상기 금융 서버로부터 수신하는 단계를 더 포함하는 가상 화폐를 이용하여 ATM 거래를 수행하는 방법.
- 제1 항에 있어서,상기 ATM 거래는 현금 인출, 또는 계좌이체를 포함하는 가상 화폐를 이용하여 ATM 거래를 수행하는 방법.
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CN110969682A (zh) * | 2019-11-27 | 2020-04-07 | 深圳追一科技有限公司 | 虚拟形象切换方法、装置、电子设备及存储介质 |
CN111968316A (zh) * | 2020-09-14 | 2020-11-20 | 中国银行股份有限公司 | 一种取款请求的处理方法、装置及自助终端 |
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KR102364492B1 (ko) | 2020-05-22 | 2022-02-17 | 주식회사 한컴위드 | 디지털 골드 토큰을 이용한 클라우드 기반의 지급 보증 관리 서버 및 그 동작 방법 |
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