WO2019235665A1 - Transaction method for genuine currency - Google Patents

Transaction method for genuine currency Download PDF

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Publication number
WO2019235665A1
WO2019235665A1 PCT/KR2018/006519 KR2018006519W WO2019235665A1 WO 2019235665 A1 WO2019235665 A1 WO 2019235665A1 KR 2018006519 W KR2018006519 W KR 2018006519W WO 2019235665 A1 WO2019235665 A1 WO 2019235665A1
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WO
WIPO (PCT)
Prior art keywords
solid fuel
electronic money
money
currency
purchaser
Prior art date
Application number
PCT/KR2018/006519
Other languages
French (fr)
Korean (ko)
Inventor
최동민
Original Assignee
Choi Dongmin
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Choi Dongmin filed Critical Choi Dongmin
Priority to PCT/KR2018/006519 priority Critical patent/WO2019235665A1/en
Publication of WO2019235665A1 publication Critical patent/WO2019235665A1/en

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Classifications

    • 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
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/06—Asset management; Financial planning or analysis

Definitions

  • the present invention relates to a transaction method of intrinsic money, and more specifically, the industry to invest when the buyer wants to purchase intrinsic money (for example, a solid fuel manufacturing apparatus for the environment, a solid fuel burning-chi, a power generation system using solid fuel)
  • intrinsic money for example, a solid fuel manufacturing apparatus for the environment, a solid fuel burning-chi, a power generation system using solid fuel
  • the purchase of genuine money is invested in the industry to generate profits, as well as the purchase price of true money.
  • It relates to the trading method of true currency, which allows the purchaser to earn dividends based on profits so that buyers can obtain the profit as the value increases over time.
  • the electronic payment method on the Internet is an electronic cash system that uses electronic cash used for online payments, an electronic check system that implements a check that is a check payment method on the Internet, and an electronic money transfer using a virtual bank on the Internet.
  • the electronic payment means most suitable for small payments, such as digital content purchase is an electronic cash system.
  • electronic money refers to electronic cash issued and used online.
  • Electronic money is a conversion of real world money into electronic storage value that can be used for payment, and after issuing a new electronic money as electronic storage value using real world money, it is used as an electronic payment method.
  • Electronic money is based on the storage location of the stored value.
  • the storage value is stored in the same storage space as the terminal.
  • Hardware type electronic money requires a device for reading the stored value because the stored value of the electronic money is stored in a memory or a CD on a 1C circuit.
  • the hardware-type electronic money not only makes small payments, but also high-payments using the existing payment system, and also has a feature that the commission is cheaper than the existing payment system, and the refund of the balance of ten won can be obtained.
  • Network type electronic money unlike hardware type electronic money, does not require a special terminal to use electronic money, but since all payments are processed in a digital form, a high level security system is required to prevent theft or misuse.
  • network type electronic money is used mainly for micropayments with relatively low risk rather than high settlements.
  • Network type electronic money includes electronic wallet type electronic money, prepaid card type electronic money, and mobile electronic money.
  • electronic wallet type electronic money is a personal computer depending on the location of the electronic wallet. 2019/235665 1 »(: 1 ⁇ 1 ⁇ 2018/006519
  • Mobile electronic money includes payment approval type and password input type.
  • Such hardware type electronic money and network type electronic money have a large number of users in recent years because of the small amount of 10-unit payment and low commission, as mentioned above. There is a ham.
  • network-type electronic money such as electronic money, electronic wallet type electronic money, prepaid card type electronic money, and mobile electronic money system. And like-.
  • Card-type electronic money is also known as smart card-type electronic money, and a semiconductor integrated circuit is embedded in a card with a thickness of 0.7 & ⁇ and stores more information than a conventional magnetic card using a magnetic band. It has a microprocessor, card operating system, memory, and security module, so it can be operated internally.
  • the 10 card has a built-in memory type and a microprocessor type depending on the type of built-in 1:
  • the memory type card is a 10 card with a security module in the memory without a microprocessor, and the microprocessor type 10 card has an arithmetic function. It is a 10-card equipped with a microprocessor capable of performing a complex encryption module for protecting internal data and restricting random access from the outside.
  • Memory type 10 cards are primarily used to identify and authenticate cardholders through security modules stored in the card's internal memory.
  • the card is mainly used to operate an external device through a data communication function and an operation function with an external device or a high level authentication system using an encryption operation.
  • the card has contact and non-contact types depending on how the data is read.
  • the contact type inserts a non-contact card into the card reader and makes contact with each other, and then drives 1 (:) in the card to read necessary information through this contact. That's the way it is.
  • the contactless is a method of reading the necessary information by driving 10 through the card reader when the II 'card is within a certain distance of the card reader.
  • the contactless non-card is a device capable of supplying power to 1, unlike the contact 10 card. Because there is no, it uses a method of obtaining induction current using the built-in coil, and performs wireless communication with the terminal through the included wireless communication circuit.
  • the 1C card-type electronic money using the features of the 1C card as described above is used to purchase a WOf f Line by charging a certain amount to the 1C card based on a designated bank account and transferring the value between the cards.
  • WOf f Line There are open loop systems and closed loop systems.
  • the open 1C card electronic money can be used continuously after the cash is charged to the 1C card in the designated account and until it is repaid to the issuing institution.
  • the value transfer between the 1C cards is possible.
  • a 1C card type electronic money issuer For the 1C card type electronic money service, a 1C card type electronic money issuer, a 1C card charging device, and a 1C card type electronic money must be present on the customer side using the electronic money.
  • 1C card type electronic money terminal on the seller side There should be a 1C card type electronic money buying agency.
  • the customer opens an account for his 1C card type electronic money at his bank. Immediately after receiving 1C card type electronic money from the issuing organization. The customer recharges the electronic money into the 1C card from his designated account from a cash dispenser or automated teller machine.
  • Payment is processed through a card type electronic money terminal.
  • Card-type electronic money terminals include communication terminals mounted on public phones and Internet phones, general terminals installed in offline stores such as restaurants and pharmacies, special terminals mounted on vending machines and ticket machines, buses and subways. There is a traffic terminal installed and an internet terminal mounted on a web browsing system such as a computer for a connection on the Internet. Each terminal is charged with a customer's 10 card type electronic money through a contact or contactless method. After confirming the value, the transaction is transmitted to the payment relay through the system.
  • the settlement of the transaction received from the 10 card type electronic money terminal through the system-after the relay confirms the fact of the transaction and takes the necessary measures.
  • the bank issuing the non-card-type electronic money, i.e., the customer's bank, and the merchant's bank, which operates the 10-card electronic money terminal, that is, the merchant bank.
  • the settlement relay agency notifies the customer settlement bank and the merchant settlement bank as described above, and then requests the settlement of the funds to the national bank that handles the actual settlement of funds.
  • the settlement service requested by the payment intermediary is processed from the bank to the merchant bank.
  • the merchant bank deposits the payouts settled in the seller's designated account.
  • ⁇ type electronic money is a representative hardware type electronic money in addition to card type electronic money. It is an electronic money that adds a security function to the existing credit card payment system.
  • ⁇ Electronic money is stored in CD in the process of receiving online payment or paid contents after storing payment system automatic access program and encrypted code in CR-R0M made in the form of business card size card. Use a code to make a credit card payment. Therefore, it is not a new payment method but a subsidiary that works with existing credit card payments.
  • (3) type electronic money does not require a dedicated terminal and automatically handles payment through CDR0M which is basically installed in the computer.
  • type electronic money is a product or service from an Internet show or a paid content provider using a computer connected to the Internet. Or it is mainly used to purchase the content.
  • the web-type electronic money service is an internet shopping mall that provides goods, paid services, or contents to a customer, a customer who is a buyer of an internet shopping mall, including a physical web-type electronic money and a computer on which a CD-ROM is installed. Issue a credit card payment to a customer and issue a credit card payment at the request of a CD-type electronic money provider and a CD-type electronic money supply site for the settlement of CD-type electronic money based on payment information sent from an Internet shopping mall. It is composed of CD-type electronic money partner financial companies.
  • the first method is to enter an internet shopping mall address in a URL of a web browser.
  • the second method is to insert a CD-type electronic money into ROM-ROM, connect to a financial company affiliated with a type-type electronic money supplier through an automatic connection program stored in the CD, and then use the type-type electronic money on the Internet. Select a mall to approach.
  • the advantage is that you can choose an inexpensive shopping mall, which is owned by the customer.
  • the disadvantage is that it is not easy.
  • the Internet shopping mall After the customer accesses the Internet shopping mall in the same manner as described above, purchases a desired product and selects the money type electronic money as a payment method, the Internet shopping mall transmits the transaction information to the money type electronic money provider.
  • the consumer electronic money provider uses this transaction information to Approach it to check if there is a cash type electronic money and process the transaction information transmitted from the internet shopping mall through the encryption code stored in the cash type electronic money.
  • the encryption code stored in the 0-type electronic money acts as a substitute for user authentication, and all payments are automatically processed without downloading a separate program or entering the customer's authentication key.
  • the 0) type electronic money supplier that processed transaction information transmitted from the Internet shopping mall from the current type electronic money owned by the customer is based on this.
  • a credit card payment is requested through an electronic money partner financial institution, and the affiliate financial company approves and finally processes the payment requested by the cashier type electronic money provider.
  • E-wallet electronic money is a stored value stored electronically online.It is a type of payment system implemented on the network, but it is not a single currency. It is a space for storing electronic money that can be paid online.
  • Electronic wallet-type electronic money stores information such as personal authentication key, credit card certificate and online transaction history in electronically stored credit or debit card information, and also stores online payment process or transaction information.
  • E-wallet type electronic money has user PC (Per sona 1 Computer) storage type and Internet server storage type depending on the storage value stored on the network. It is stored in the form of an encrypted program. In the Internet server storage type, the storage value is stored in the server of the electronic wallet provider. E-wallet type battery-If money is stored on the user's PC, the customer runs the e-wallet program stored in the web browser and the PC, connects to an Internet shopping mall, purchases the product, and uses the e-wallet type electronic payment method. If you choose currency, the internet shopping mall will ask you to pay with your web browser.
  • PC Personal Computer
  • the web browser which is requested to pay at the internet shopping mall, opens the electronic wallet program installed on the user's PC and pays the storage value stored in the electronic wallet at the internet shopping mall.
  • the Internet shopping mall then pays the stored value paid from the electronic wallet of the user's PC to the electronic wallet provider, who then processes the payment through the payment gateway.
  • the electronic wallet provider pays the balance to the Internet shopping mall, and the Internet shopping mall completes the payment by paying the balance to the customer's electronic wallet program again.
  • the stored value information and additional information stored in the user's PC, as well as the stored value payment, payment processing, and balance payment are encrypted.
  • the wallet provider then sends the password required to use the wallet to the customer using a method such as e-mail.
  • the customer uses this password to access the wallet, and then the direct debit, internet banking, and Charge your electronic wallet with a credit card.
  • the internet shopping mall manages the amount and history information charged to the customer.
  • the customer visits the Internet shopping mall to purchase the desired product and selects the electronic wallet type electronic money as a payment method.
  • the internet shopping mall requests payment from the customer's electronic wallet provider, and the electronic wallet provider approves the payment based on the data received from the internet shopping mall and transmits the result to the internet show mall.
  • Prepaid card-type electronic money also known as electronic gift voucher
  • Electronic money ID is used to purchase goods or paid contents online using a unique number on the back of the prepaid card.
  • the prepaid card type electronic money supplier recognizes only the unique number of the prepaid card and does not identify the owner of the card.
  • the prepaid card type electronic money supplier is the owner of the card. Manage your account, not your card.
  • Prepaid card type electronic money can be purchased through an offline store such as a game room or convenience store, or you can sign up with a prepaid card type electronic money provider and purchase the prepaid card by credit card or unpaid deposit. '
  • the biggest advantage of the prepaid card type electronic money is that it does not have to provide the personal information of the customer to the internet shopping mall and can transfer the prepaid card itself to another person or give it as a gift.
  • customers pay the prepaid card at an offline prepaid card store and purchase the prepaid card offline, or make a prepaid card type through bank transfer, bank transfer, giro deposit, or credit card payment. You must prepay with an electronic money provider and purchase a prepaid card online.
  • the Internet shopping mall is the prepaid card type electronic money. Links to the supplier's prepaid card payment screen and prints it to the customer's web browser.
  • the customer then enters the password of the prepaid card he purchased online and offline into the linked prepaid card type electronic money provider input window, and the prepaid card type electronic money provider provides the presence of the prepaid card in the prepaid card account. After checking the balance, the payment is terminated by approving the prepaid card at the Internet shopping mall.
  • Mobile electronic money is used mainly for small payments rather than high payments. Since mobile e-money payments are postpaid, the amount of mobile payments is limited for a certain period of time.
  • Mobile electronic money has a payment approval type and a mobile password input type depending on the processing method.
  • a customer purchases a product or paid content in an internet shopping mall and selects a payment method as a mobile electronic money
  • the shopping mall confirms the customer's mobile e-money through the mobile e-money provider and approves payment within the limit.
  • the mobile password input type moves the mobile e-money provider whenever the user purchases through the internet shopping mall. It is a form of electronic money in which a password is given to a customer through a communication network, and the customer enters this number into an internet shopping mall and makes a payment.
  • the mobile electronic money provider When a customer requests to purchase an electronic money from a mobile electronic money provider in order to use a payment approved mobile electronic money, the mobile electronic money provider confirms with the mobile carrier that the customer is a legitimate customer and authenticates as a legitimate customer. Approve the purchase of mobile electronic money.
  • the purchase of mobile electronic money is rejected for the company's business mobile terminal, corporate-owned mobile terminal, and mobile terminal with late payment.
  • the mobile electronic money purchase is completed through the above process, when the customer accesses the Internet shopping mall and purchases the product or the paid content, the internet shopping mall requests the mobile electronic money provider for the payment of the customer, and the mobile electronic money The supplier verifies that the customer is legitimate and approves the mobile electronic money settlement within the limits.
  • the online shopping mall then approves the customer's purchase. Customers are required to pay their purchases when paying party bills. 2019/235665 1 »(: 1 ⁇ 1 ⁇ 2018/006519
  • the mobile telecommunication company settles the mobile electronic money for the mobile electronic money provider, and the mobile electronic money provider settles the internet shopping mall where the customer purchased the product or the paid content.
  • the internet shopping mall When a customer accesses an internet shopping mall, requests a purchase of goods or paid content, selects a password-type mobile electronic money as a payment method, the internet shopping mall authenticates with the mobile electronic money provider based on the member's member information. Upon requesting a seal, the mobile electronic money provider assigns the purchase approval password to the customer, and the password assigned by the mobile electronic money supply source is transmitted via text message to the customer's wireless communication terminal through the mobile carrier.
  • the customer When the purchase approval password is transmitted to the customer's wireless communication terminal as described above, the customer enters the corresponding password to complete the purchase and transmits the password to the mobile electronic money provider, and the mobile electronic money provider receives the password and the received password to the customer. After confirming that the passwords match and whether the corresponding customer is a legitimate user, the purchaser authenticates the purchase to the legitimate purchaser.
  • the Internet shopping mall approves the purchase to the corresponding customer, and then the payment through the mobile communication fee is configured to be made through the same process as the payment approved mobile electronic money.
  • the conventional electronic money trading method as described above does not carry out any profitable business from electronic money in the electronic money maker that sells electronic money, and ultimately, the value of electronic money is determined only by the current screen. There was a problem in that the acquired buyer could not receive at all when cashing.
  • the present invention is to solve the conventional problems as described above, the type of industry to invest when the buyer wants to purchase intrinsic money (for example, a solid fuel production device, solid fuel combustion device, a power generation system using a solid fuel) .
  • intrinsic money for example, a solid fuel production device, solid fuel combustion device, a power generation system using a solid fuel
  • the purchase amount of genuine currency is invested in the industry to generate profits, as well as the purchase price of genuine currency.
  • Its purpose is to provide a method of trading in true currency that allows the purchaser to earn dividends so that the value of all intrinsic currency purchased by buyers can be earned as the value rises over time.
  • the purchaser accesses the true money management server through the internet network to the purchaser terminal and registers as a member.
  • the purchaser who purchases a genuine currency while the buyer who is a member is connected to the true currency management server through the purchaser terminal;
  • Types of industries to invest in the intrinsic money management server at the cost of intrinsic money e.g., solid fuel manufacturing equipment for the environment, solid fuel combustion equipment, power generation systems using solid fuels, solid fuel production, combustion and power generation
  • the ship with the system e.g., solid fuel manufacturing equipment for the environment, solid fuel combustion equipment, power generation systems using solid fuels, solid fuel production, combustion and power generation
  • the type of industry to be invested by the buyer as the buyer's terminal in the true money management server for example, solid fuel manufacturing equipment, solid fuel combustion equipment, power generation system using solid fuel, and solid fuel 2019/235665 1 »(: 1 ⁇ 1 ⁇ 2018/006519
  • the process of remitting the proceeds from the true currency management server to the account of the true currency purchaser through the financial server, so that the purchase amount of the true currency is invested in the relevant industry to generate profits sure. It is designed to earn dividends based on profits, so that the value of all intrinsic currencies purchased by buyers can increase as the value increases over time.
  • Type of business to invest when the place of purchase-to purchase the true currency by accessing the true money management server through the Internet through the buyer's terminal for example, the solid fuel manufacturing device for the environment, the solid fuel combustion device, the power generation system using the solid fuel
  • the buyer's terminal for example, the solid fuel manufacturing device for the environment, the solid fuel combustion device, the power generation system using the solid fuel
  • the purchase amount of the genuine currency is invested in the corresponding industry to generate profits, so that the purchase amount of the true currency does not disappear, and the dividend according to the profit is obtained so that all the purchasers purchase
  • the value of intrinsic money rises over time and has the effect of earning revenue.
  • 16 is a schematic diagram illustrating the configuration of the present invention.
  • FIG. 2 is a flowchart showing a configuration for the operation of the present invention.
  • the purchaser connects to the genuine currency management server (3) through the Internet network (2) through the purchaser terminal (1), joins as a member, and proceeds to purchase the true currency.
  • the type of business to invest in the buyer through the purchaser terminal (1) in the intrinsic money management server (3) (for example, the solid fuel manufacturing apparatus, the solid fuel combustion apparatus, the power generation system using the solid fuel, and the manufacture of the solid fuel) Ships with combustion and power generation systems)
  • the financial server (4) When the purchaser deposits the purchase cost of the genuine currency into the financial server (4), the purchase price of the genuine currency is invested in the corresponding industry by the purchaser's option in the received genuine currency management server (3). If you create a bank, the financial server (4) is configured to transfer a certain amount of profit to the account of the place of purchase,
  • the present invention described above is characterized by the transaction method of true currency
  • the type of business to invest to the purchaser at the cost of intrinsic money e.g., solid fuel manufacturing apparatus, solid fuel combustion apparatus, power generation system using solid fuel, solid fuel production and combustion and To select arbitrarily from ships with power generation system 2019/235665 1 »(: 1 ⁇ 1 ⁇ 2018/006519
  • the solid fuel manufacturing-value, the solid fuel combustion-ging value, the power generation system using the solid fuel, the solid fuel production, the combustion and the power generation selected by the purchaser as the purchaser terminal (1) from the intrinsic money management server (3).
  • Trading method of the intrinsic money is, "process for the buyer to be connected to the intrinsic monetary management server (3) a member through the Internet network 2 to the purchaser terminals (1) and,
  • the purchaser is equipped with a solid fuel manufacturing device, a solid fuel combustion device, a power generation system using solid fuel, a solid fuel production and combustion and power generation system at the cost of intact money. To randomly select from ships;
  • the transfer corresponding to the amount of intrinsic money is sent to the financial server (4) connected to the intrinsic money management server (3).
  • the solid fuel manufacturing device, solid fuel combustion device, solid fuel power generation system, solid fuel production and combustion and power generation system selected by the purchaser terminal (1) from the true money management server (3) To convert to the purchase cost of the selected item from the ship,

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Abstract

The present invention relates to a transaction method for genuine currency, the method allowing a purchaser to purchase genuine currency while selecting an arbitrary business type from among business types to be invested in (for example, a solid fuel manufacturing device for the environment, a solid fuel combustion device, a power generation system using a solid fuel, and a vessel having a system for manufacturing and burning a solid fuel and generating power) when the purchaser intends to purchase the genuine currency by using a purchaser terminal and accessing a genuine currency management server through an Internet network, and allowing the purchase amount of the genuine currency to persist and the distribution of profits to be obtained according to profit-making by the investing of the purchase amount of the genuine currency into a corresponding business type by means of the options of the purchaser through the purchaser terminal, and thus the values of all genuine currencies purchased by purchasers can provide profits according to increases over time.

Description

2019/235665  2019/235665
1  One
【명세서】 【Specification】
【발명의 명칭】  [Name of invention]
진성화폐의 거래방법  Intrinsic Currency Trading
【기술분야】  Technical Field
본 발명은 진성화폐의 거래방법에 관한 것으로， 상세하게는 구매자가 진성화폐를 구매하고자 할 때 투자할 업종（예컨대 환경을 위한 고형연료 제조장치， 고형연료 연소징-치 , 고형연료를 이용한 발전시스템, 고형연료의 제조와 연소 및 발전시스템을 장착한 선박） 중 에서 임의의 업종을 선택하면서 구매하도록 함으로써 진성화폐의 구매금액이 해당 업종에 투자되어 이익을 창출함에 따라 진성화폐의 구매금액은 물론. 수익에 따른 배당까지 얻도록 하여 구매자들이 구매한 모든 진성화폐의 가치가 시간이 지남에 따라 가치가 상승함에 따른 수익을 획득할 수 있도록 한 진성화폐의 거래방법에 관한 것이다.  The present invention relates to a transaction method of intrinsic money, and more specifically, the industry to invest when the buyer wants to purchase intrinsic money (for example, a solid fuel manufacturing apparatus for the environment, a solid fuel burning-chi, a power generation system using solid fuel) For example, the purchase of genuine money is invested in the industry to generate profits, as well as the purchase price of true money. It relates to the trading method of true currency, which allows the purchaser to earn dividends based on profits so that buyers can obtain the profit as the value increases over time.
【배경기술】  Background Art
일반적으로 인터넷상의 전자 결제 수단에는 온라인상에서 통용되는 전자 현금을 발 행하여 결제에 이용하는 전자 현금 시스템， 장표 결제 수단 중의 하나인 수표를 인터넷 상 에 구현한 전자 수표 시스템， 인터넷상의 가상 은행을 이용한 전자 자금 이체 시스템， 그리 고 실세계의 신용카드 거래를 인터넷상에 구현한 인터넷 신용 카드 결제 시스템 등이 있다. 이 중에서 디지털 컨텐츠 구매와 같은 소액 결제에 가장 적절한 전자 결제 수단은 전자 현금 시스템이며, 본 발명에서 전자 화폐라 함은 온라인 상에서 발행되고 통용되는 전 자 현금을 가리킨다.  In general, the electronic payment method on the Internet is an electronic cash system that uses electronic cash used for online payments, an electronic check system that implements a check that is a check payment method on the Internet, and an electronic money transfer using a virtual bank on the Internet. Systems, and Internet credit card payment systems that implement real-world credit card transactions on the Internet. Among these, the electronic payment means most suitable for small payments, such as digital content purchase, is an electronic cash system. In the present invention, electronic money refers to electronic cash issued and used online.
전자 화폐는 실세계의 화폐를 결제에 사용할 수 있는 전자적인 저장 가치로 변환한 것으로서, 실세계의 화폐를 이용하여 전자적 저장 가치로서의 새로운 전자 화폐를 발행한 후, 이것을 전자 결제 수단으로 이용하는 것이다.  Electronic money is a conversion of real world money into electronic storage value that can be used for payment, and after issuing a new electronic money as electronic storage value using real world money, it is used as an electronic payment method.
전자 화폐는 저장 가치의 저장 위치에 따라 하드웨어형 전자 화폐와 네트워크형 전 자화폐 등이 있으며, 하드웨어형 전자화폐는 저장 가치를 IC( Integrated Ci rcui t ) 회로상 의 메모리나 CD 등에 저장하는 것이고, 네트워크형 전자 화폐는 고객의 컴퓨터 , 인터넷 상 의 저장공간, 또는무선 통신 단말기와같은 저장공간에 저장가치를 저장하는 것이다. 하드웨어형 전자 화폐는 전자 화폐의 저장 가치가 1C 회로상의 메모리나 CD 등에 저장되기 때문에， 저장가치를 읽어들이기 위한장치가 필요하다. Electronic money is based on the storage location of the stored value. There are magnetic money, and hardware type electronic money stores the storage value in memory or CD on IC (Integrated Citrut) circuit. The storage value is stored in the same storage space as the terminal. Hardware type electronic money requires a device for reading the stored value because the stored value of the electronic money is stored in a memory or a CD on a 1C circuit.
이것은 하드웨어형 전자 화폐가 널리 보급되는데 방해가 되기도 하지만, 하드웨어 장치를통해 전자화폐가도용되거나악용되는 것을 방지하는 역할을 수행하기도 한다. 게다가 대부분의 하드웨어형 전자화폐는 기존 금융 기관의 자금 이체나 신용 카드 결제 등과 연동하는 경우가 많기 때문에, 하드웨어형 전자화폐가하나의 독립된 전자화폐 라기보다는기존 결제 시스템을 보조하는 역할을수행한다.  While this hinders the widespread use of hardware-type electronic money, it also plays a role in preventing electronic money from being stolen or abused through hardware devices. In addition, since most hardware-type electronic money is often linked to the transfer of funds or credit card payments of existing financial institutions, the hardware-type electronic money supports the existing payment system rather than a single electronic money.
따라서 하드웨어형 전자 화폐는 소액 결제는 물론 기존 결제 시스템을 이용한 고액 결제도 가능할 뿐만 아니라， 기존 결제 시스템에 비해 수수료도 저렴하고， 십원 단위의 잔 액까지 환불받을 수 있다는특징이 있다.  Therefore, the hardware-type electronic money not only makes small payments, but also high-payments using the existing payment system, and also has a feature that the commission is cheaper than the existing payment system, and the refund of the balance of ten won can be obtained.
히-드웨어형 전자 화폐에는 1C 카드형 전자 화폐， CD형 전자 화폐 등이 있으며, 최 근에는 1C 카드 기능과 CD 기능은 물론, 기존 마그네틱 밴드 기능을 포함한 하이브리드 카 드형 전자화폐도등장하고 있다.  There are 1C card type electronic money and CD type electronic money in the hardware type electronic money, and recently, the hybrid card type electronic money including the existing magnetic band function as well as the 1C card function and CD function has been introduced.
네트워크형 전자 화폐는 하드웨어형 전자 화폐와 달리 전자 화폐를 사용하기 위한 특수한 단말기가 필요 없지만 모든 결제가 디지털화된 형태로 처리되기 때문에 도용되거나 악용되는 것을 방지하기 위한고수준보안시스템이 필요하다.  Network type electronic money, unlike hardware type electronic money, does not require a special terminal to use electronic money, but since all payments are processed in a digital form, a high level security system is required to prevent theft or misuse.
따라서 네트워크형 전자화폐는 고액 결제보다는 위험 부담이 비교적 적은 소액 결 제에 주로 이용된다.  Therefore, network type electronic money is used mainly for micropayments with relatively low risk rather than high settlements.
네트워크형 전자 화폐에는 전자 지갑형 전자 화폐, 선불카드형 전자 화폐, 모바일 전자화폐 등이 있으며, 특히 전자지갑형 전자화폐는 전자지갑의 위치에 따라 개인 컴퓨 2019/235665 1»（：1^1{2018/006519 Network type electronic money includes electronic wallet type electronic money, prepaid card type electronic money, and mobile electronic money. In particular, electronic wallet type electronic money is a personal computer depending on the location of the electronic wallet. 2019/235665 1 »（： 1 ^ 1 {2018/006519
3 터형， 서버형， 모바일형 등이 있고. 모바일 전자 화폐에는 결제 승인형과 비밀번호 입력형 등이 있다.  3 terrestrial, server, and mobile. Mobile electronic money includes payment approval type and password input type.
이와 같은 하드웨어형 전자 화폐와 네트워크형 전자화폐는 상기 열거한 바와 같이 10원 단위의 소액 결제가 가능하고 수수료가 저렴하다는 특징 때문에， 최근 많은 사용자를 확보하고 있지만， 표준화되지 않았다는 점에서 사용상의 많은불편함이 있다.  Such hardware type electronic money and network type electronic money have a large number of users in recent years because of the small amount of 10-unit payment and low commission, as mentioned above. There is a ham.
즉. 대부분의 전자 화폐는 해당 전자 화폐를 취급하는 소수의 판매자， 컨텐츠 제공 자， 그리고 인터넷 쇼핑몰에서만 통용되기 때문에， 현실 세계의 화폐와 기존 전자 결제 시 스템에 비해 범용성이 없다.  In other words. Since most electronic money is only available to a few sellers, content providers, and Internet shopping malls, it is less versatile than real world money and existing electronic payment systems.
물론 전자 화폐 공급자가온·오프라인 상의 모든 판매자， 컨텐츠 제공지- , 그리고 인 터넷 쇼핑몰과 전략적 제휴를 맺고， 해당 전자 화폐를 통용되도록 하거나， 표준화된 전자 화폐가 도입된다면 범용성에 별 문제는 없지만， 전자 화폐 종류만큼이나 다양한 전자 화폐 공급자가 생겨나고 있는 현시점에서 상기와 같은 전자 화폐의 문제점은 모든 전자 화폐가 표준화되기 전까지는 거의 불가능한 것이다.  Of course, if you make a strategic alliance with all sellers, content providers, and Internet shopping malls on the e-money provider, on-offline, and make the e-money available, or if a standardized e-money is introduced, there is no problem in versatility. At the present time, as many kinds of electronic money providers are emerging, the problem of electronic money is almost impossible until all electronic money is standardized.
특히 인터넷 사용자 입장에서 특정 전자 화폐를 한정된 컨텐츠 제공자에서만 사용 할수 있다는 것은상당히 불편하며, 경제적인 측면에서 비효율적이디-. 그러나 전자화폐가 기존 결제 시스템에 비해 위조나 변조 등의 위험성이 적고， 강력한 보안 기능에 외해 도난 이나 분실했을 경우에도 안전하며， 1()원 단위의 소액 결계가 가능하다는 것은 전자 화폐가 지니고 있는 가장 강력한장점 중의 하나이다. In particular, it is quite inconvenient and economically inefficient to use certain electronic money only from a limited content provider for Internet users. However, electronic money is that old compared to the payments system, less risk, such as counterfeiting or alteration, even safer and if the offshore theft or loss to the robust security features, 1 () is available a small enchantment of the original units the most have the electronic money It is one of the strong advantages.
컨텐츠 제공자나 인터넷 쇼핑몰 입장에서 전자 화폐가 다른 결제 수단보다 관리하 는데 필요한 시간과 비용이 적고, 빠르고 확실하게 대금 결제가 이루어지며， 전자 화폐를 이용한 매줄 내역을 판매나 재고 관리에 이용할수 있으며, 전자 화폐 자체를 마케팅에 활 용할수 있다는 것은 전자화폐가 지속적으로 통용될 수 있는 근거를 제공한다.  In terms of content providers and Internet shopping malls, electronic money is less time and cost required to manage than other payment methods, payments can be made quickly and securely, and the details of electronic money can be used for sales or inventory management. The use of money itself in marketing provides the basis for the continued use of electronic money.
현재 인터넷상에 통용되고 있는 전자 화폐는 상기 열거한 바와 같이 . 10 카드형 전 2019/235665 1»（：1^1{2018/006519 Electronic money currently being used on the Internet is listed above. 10 card type 2019/235665 1 »（： 1 ^ 1 {2018/006519
4 자화폐와⑶형 전자 화폐 등과 같은 하드웨어형 전자 화폐외-， 전자 지갑형 전자 화폐， 선불 카드형 전자 화폐, 그리고 모바일 전자 화폐 시스템 등과 같은 네트워크형 전자 화폐가 있 으며, 각각에 대하여 설명하면 다음과 같디- .  4 In addition to hardware-type electronic money such as magnetic money and ⑶ electronic money, there are network-type electronic money such as electronic money, electronic wallet type electronic money, prepaid card type electronic money, and mobile electronic money system. And like-.
10 카드형 전자 화폐는 스마트 카드형 전자 화폐라고도 하며， 두께 0.7&·의 카드 안에 반도체 집적회로가 탑재되어 있으며, 마그네틱 밴드를 이용하는 기존 자기 카드보다 많은 정보를 보관하기 때문에, 안정적인 것은 물론， 집적회로 안에 마이크로프로세서, 카드 운영체제, 메모리， 그리고 보안 모듈 등이 탑재되어 있어 내부 연산이 가능하다는 특징이 있다.  10 Card-type electronic money is also known as smart card-type electronic money, and a semiconductor integrated circuit is embedded in a card with a thickness of 0.7 & · and stores more information than a conventional magnetic card using a magnetic band. It has a microprocessor, card operating system, memory, and security module, so it can be operated internally.
10 카드는 내장된 1（：의 종류에 따라 메모리형과 마이크로프로세서 내장형이 있으 며 , 메모리형 比 카드는 마이크로프로세서 없이 메모리 안에 보안 모콜을 탑재하고 있는 10 카드이며， 마이크로프로세서형 10 카드는 연산 기능을 수행할 수 있는 마이크로프로세서를 탑재하고 있는 10 카드로서， 내부 데이터를 보호하고 외부로부터의 임의 접근을 제한하기 위한 복잡한 암호화 모듈이 탑재되어 있다.  The 10 card has a built-in memory type and a microprocessor type depending on the type of built-in 1: The memory type card is a 10 card with a security module in the memory without a microprocessor, and the microprocessor type 10 card has an arithmetic function. It is a 10-card equipped with a microprocessor capable of performing a complex encryption module for protecting internal data and restricting random access from the outside.
메모리형 10 카드는 카드 내부 메모리에 저장되어 있는 보안 모듈을 통해 카드 소 지자의 신원을 확인하고, 인증하는데 주로 사용되며, 마이크로프로세서형
Figure imgf000005_0001
카드는 외부 장치와 데이터 통신 기능 및 연산 기능을 통해 외부 장치를 작동시키거나 암호화 연산을 이 용한 고수준 인증 시스템 등에 주로 사용된다. Memory type 10 cards are primarily used to identify and authenticate cardholders through security modules stored in the card's internal memory.
Figure imgf000005_0001
The card is mainly used to operate an external device through a data communication function and an operation function with an external device or a high level authentication system using an encryption operation.
1（： 카드는 데이터가 읽히는 방법에 따라 접촉식과 비접촉식이 있으며, 접촉식은 比 카드를 카드 판독기에 삽입하여 접점을 서로 접촉시킨 후, 이 접점을 통해 카드 안의 1（：를 구동하여 필요한 정보를 판독하는 방식이다.  The card has contact and non-contact types depending on how the data is read. The contact type inserts a non-contact card into the card reader and makes contact with each other, and then drives 1 (:) in the card to read necessary information through this contact. That's the way it is.
그리고 비접촉식은 II' 카드가 카드 판독기의 일정 거리 안에 접근하면， 카드 판독 기를 통해 10를 구동하여 필요한 정보를 판독하는 방식이다.  And the contactless is a method of reading the necessary information by driving 10 through the card reader when the II 'card is within a certain distance of the card reader.
특히 비접촉식 比 카드는 접촉식 10 카드와 달리 1（；에 전원을 공급할 수 있는 장치 가 없기 때문에， 내장된 코일을 이용해 유도 전류를 얻는 방법을사용하며， 내부에 포함된 무선 통신 회로를 통해 단말기와무선 통신을 한다. In particular, the contactless non-card is a device capable of supplying power to 1, unlike the contact 10 card. Because there is no, it uses a method of obtaining induction current using the built-in coil, and performs wireless communication with the terminal through the included wireless communication circuit.
상기와 같은 1C 카드의 특징을 이용하는 1C 카드형 전자 화폐는 지정된 은행계좌를 근간으로 1C 카드에 일정 금액을 충전시켜 온·오프 라인 ((WOf f Line)의 구매에 사용하며， 카드 사이의 가치 이전 여부에 따라 개방형 (Open Loop System)과 폐쇄형 (Cl osed Loop System)이 있다.  The 1C card-type electronic money using the features of the 1C card as described above is used to purchase a WOf f Line by charging a certain amount to the 1C card based on a designated bank account and transferring the value between the cards. There are open loop systems and closed loop systems.
개방형 1C 카드 전자 화폐는 지정된 계좌에서 1C 카드로 현금이 충전된 후， 발행 기관으로상환되기 전까지 지속적으로사용할수 있으며 , 1C 카드사이의 가치 이전이 가능 하다.  The open 1C card electronic money can be used continuously after the cash is charged to the 1C card in the designated account and until it is repaid to the issuing institution. The value transfer between the 1C cards is possible.
그러나 폐쇄형 1C 카드 전자 화폐는 지정 계좌에서 충전된 현금이 발행 기관으로 상환될 때까지 한번만사용할수 있으며 . 1C카드 사이의 가치 이전이 불가능하다.  However, closed 1C card electronic money can only be used once until the cash from the designated account is repaid to the issuer. Value transfer between 1C cards is not possible.
상기 1C 카드형 전자 화폐 서비스를 위해서는 전자 화폐를 사용하는 고객 측에 1C 카드형 전자 화폐 발행기관, 1C 카드 충전 장치， 1C 카드형 전자 화폐 등이 있어야 하며 . 판매자 측에 1C 카드형 전자 화폐 단말기. 1C 카드형 전자 화폐 매입기관 등이 있어야 하 며. 고객과 판매자를 연결하기 위해 VANCYa lue Added Network) 시스템, 결제 중계 기관, 자금 정산을위한 국립 은행 등이 있어야 한다.  For the 1C card type electronic money service, a 1C card type electronic money issuer, a 1C card charging device, and a 1C card type electronic money must be present on the customer side using the electronic money. 1C card type electronic money terminal on the seller side. There should be a 1C card type electronic money buying agency. In order to connect customers and sellers, there must be a VANCYalue Added Network system, a payment relay, and a national bank for settlement of funds.
고객은 자신의 거래 은행에 1C 카드형 전자 화폐를 위한 계좌를 개설하고， 해당 거 래 은행 . 즉발행 기관으로부터 1C카드형 전자 화폐를 발행받은후. 고객은현금 지급기나 현금입출금기와같은금융자동화기기로부터 자신의 지정된 계좌로부터 전자화폐를 1C카드 에 충전한다.  The customer opens an account for his 1C card type electronic money at his bank. Immediately after receiving 1C card type electronic money from the issuing organization. The customer recharges the electronic money into the 1C card from his designated account from a cash dispenser or automated teller machine.
상기와 같이 발행 기관의 지정된 계좌로부터 고객의 1C 카드형 전자 화폐에 가치가 충전되면， 고객은 이것을 이용하여 해당 1C 카드형 전자 화폐를 수용하는 온.오프 라인의 다양한 판매자로부터 상품을 구입하거나 유료 서비스 또는 컨텐츠 제공받고， 판매자의 1C 2019/235665 1»（：1^1{2018/006519 When the value is charged to the customer's 1C card type electronic money from the designated account of the issuing institution as described above, the customer can use this to purchase goods from various online and offline sellers who accept the 1C card type electronic money or use the paid service. Or content provided, seller's 1C 2019/235665 1 »（： 1 ^ 1 {2018/006519
6  6
카드형 전자화폐 단말기를통해 결제를 처리한다. Payment is processed through a card type electronic money terminal.
10 카드형 전자화폐 단말기에는 공중전화나 인터넷폰 등에 탑재되어 있는 통신 단 말기， 음식점이나 약국과 같은 오프라인 상점에 설치되어 있는 일반 단말기， 자동판매기나 티켓 발매기에 탑재되어 있는 특수 단말기， 버스나 지하철에 설치되어 있는 교통 단말기， 그리고 인터넷 상의 결계를 위해 컴퓨터와 같은 웹 브라우징 시스템에 탑재되어 있는 인터 넷 단말기 등이 있으며, 각각의 단말기는 접촉식 또는 비접촉식 방법을 통해 고객의 10 카 드형 전자화폐에 충전되어 있는가치를 확인하고， 거래 내역을 시스템을통해 결제 중 계 기관으로 전송한다.  10 Card-type electronic money terminals include communication terminals mounted on public phones and Internet phones, general terminals installed in offline stores such as restaurants and pharmacies, special terminals mounted on vending machines and ticket machines, buses and subways. There is a traffic terminal installed and an internet terminal mounted on a web browsing system such as a computer for a connection on the Internet. Each terminal is charged with a customer's 10 card type electronic money through a contact or contactless method. After confirming the value, the transaction is transmitted to the payment relay through the system.
은 부가 가치 통신망이라고 하며， 여기서는 比 카드형 전자 화폐 단말기와 결제 중계 기관을 연결하는사설 통신망으로서 , 인터넷과 같은 공중 네트워크에서 \7 에 직접 접 근할수 없기 때문에 단말기에서 확인한 거래 내역을 결제 중계 기관까지 안전하게 전달한 다·  Is a private communication network that connects a non-card type electronic money terminal with a payment relay. Since the public network such as the Internet cannot directly access \ 7, transaction details confirmed by the terminal are transferred to the payment relay. Deliver safely
V, 시스템을 통해 10 카드형 전자 화폐 단말기로부터 거래 내역을 전송 받은 결체- 중계 기관은 거래 내역의 사실 여부를 확인하고, 필요한 조치를 취한후에. 해당 比 카드형 전자화폐를 발행한은행, 즉 고객의 거래 은행과, 10카드형 전자 화폐 단말기를 운영하는 판매자의 거래 은행, 즉 가맹점 거래 은행에게 자금 정산내역을 통지한다.  V, the settlement of the transaction received from the 10 card type electronic money terminal through the system-after the relay confirms the fact of the transaction and takes the necessary measures. The bank issuing the non-card-type electronic money, i.e., the customer's bank, and the merchant's bank, which operates the 10-card electronic money terminal, that is, the merchant bank.
결제 중계 기관은 상기와 같이 고객 거래 은행과 가맹점 거래 은행에게 자금 정산 내역을 통지한후， 실제 자금 정산을 처리하는국립 은행에 자금 정산을 의뢰하고, 국립 은 행은 결제 중계 기관의 요청에 따라고객 거래 은행으로부터 가맹점 거래 은행으로 결제 중 계 기관이 요청한자금 정산을 처리한다.  The settlement relay agency notifies the customer settlement bank and the merchant settlement bank as described above, and then requests the settlement of the funds to the national bank that handles the actual settlement of funds. The settlement service requested by the payment intermediary is processed from the bank to the merchant bank.
자금 정산이 완료되면. 가맹점 거래 은행은 판매자의 지정 계좌로 정산된 판매 대 금을 입금한다.  Once the fund settlement is complete. The merchant bank deposits the payouts settled in the seller's designated account.
⑶형 전자 화폐는 :比 카드형 전자 화폐와더불어 대표적인 하드웨어형 전자 화폐로 서 기존신용카드 결제 시스템에 ⑶에 의한보안 기능을추가한전자화폐이다. 抑형 전자 화폐는 명함크기의 카드 형태로 제작된 CR-R0M에 결제시스템 자동 접속 프로그램과 암호화된 코드를 저장한후, 인터넷 쇼핑이나유료 컨텐츠를 제공받는 과정에서 CD에 저장되어 있는 자동 접속 프로그램과 암호화코드를 사용하여 신용 카드 결제를 수행 하도록 한다. 따라서 ⑶형 전자화폐는새로운 결제 수단이라고 하기보다는 기존신용 카드 결제와 연동되는 보조수단이라고할수 있다. 전자 type electronic money is a representative hardware type electronic money in addition to card type electronic money. It is an electronic money that adds a security function to the existing credit card payment system.抑 Electronic money is stored in CD in the process of receiving online payment or paid contents after storing payment system automatic access program and encrypted code in CR-R0M made in the form of business card size card. Use a code to make a credit card payment. Therefore, it is not a new payment method but a subsidiary that works with existing credit card payments.
⑶형 전자 화폐는 1C 카드형 전자 화폐와 달리 전용 단말기가 필요 없으며 , 컴퓨터 에 기본적으로 탑재되어 있는 CDR0M을통해 결제를자동으로 처리한다.  Unlike 1C card type electronic money, ⑶ type electronic money does not require a dedicated terminal and automatically handles payment through CDR0M which is basically installed in the computer.
따라서 ⑶형 전자 화폐는 인터넷에 연결되어 있는 컴퓨터를 이용하여 인터넷 쇼광 몰이나유료 컨텐츠 제공자로부터 상품, 서비스. 또는 컨텐츠를구매하는데 주로 이용된다. 상기 ⑶형 전자 화폐 서비스는 물리적인 ⑶형 전자 화폐와 CD-ROM 설치된 컴퓨터를 포함하여 인터넷 쇼핑몰의 구매자에 해당하는 고객, 고객에게 상품이나 유료 서비스, 또는 컨텐츠를 제공하는 인터넷 쇼핑몰. 고객에게 抑형 전자화폐를 발행하고 인터넷 쇼핑몰에서 전송된 결제 정보를 바탕으로 CD형 전자 화폐의 결제를 대행하는 CD형 전자 화폐 공급지-, 그리고 CD형 전자 화폐 공급자의 요청에 의해 신용 카드 결제를 수행하는 CD형 전자 화폐 제휴금융사등으로구성된다.  Therefore, type electronic money is a product or service from an Internet show or a paid content provider using a computer connected to the Internet. Or it is mainly used to purchase the content. The web-type electronic money service is an internet shopping mall that provides goods, paid services, or contents to a customer, a customer who is a buyer of an internet shopping mall, including a physical web-type electronic money and a computer on which a CD-ROM is installed. Issue a credit card payment to a customer and issue a credit card payment at the request of a CD-type electronic money provider and a CD-type electronic money supply site for the settlement of CD-type electronic money based on payment information sent from an Internet shopping mall. It is composed of CD-type electronic money partner financial companies.
일반적으로 고객이 CD형 전자 화폐를 통해 인터넷 쇼핑몰에 접근하는 방법은 크게 두가지가 있으며, 첫 번째 방법은 기존 인터넷 쇼핑몰에 접근하는 것과마찬가지로 웹브라 우저의 URL에 인터넷 쇼핑몰 주소를 입력하여 접근하는 것이고, 두 번째 방법은 CD형 전자 화폐를⑶ -ROM에 삽압하여 CD 안에 저장되어 있는자동 접속 프로그램을 통해 抑형 전자화 폐 공급자와 제휴한 금융회사에 접속한 후, 해당⑶형 전자 화폐를 사용할 수 있는 인터넷 쇼핑몰을선택하여 접근하는 것이다.  In general, there are two ways for a customer to access an internet shopping mall through CD-type electronic money. The first method is to enter an internet shopping mall address in a URL of a web browser. The second method is to insert a CD-type electronic money into ROM-ROM, connect to a financial company affiliated with a type-type electronic money supplier through an automatic connection program stored in the CD, and then use the type-type electronic money on the Internet. Select a mall to approach.
전자의 경우 인터넷 쇼핑몰의 선택성이 다양하고， 가격 비교 등을 통해서 구매 가 2019/235665 1»（：1^1{2018/006519 In the case of the former, the selectivity of the Internet shopping malls varies, 2019/235665 1 »（： 1 ^ 1 {2018/006519
8 격이 저렴한쇼핑몰을선택할수 있다는 장점이 있는 반면， 해당쇼핑몰에서 고객이 소유하. 고 있는 抑형 전자 화폐를 사용하지 않을 수도 있다는 단점이 있고. 후자의 경우는 ⑶형 전자화폐 안에 저장되어 있는 자동 접속 프로그램을 통해 제휴 금융회사에 직접 접근하기 때문에 초보자가 쉽게 이용할 수 있다는 장점이 있는 반면, 다양한 인터넷 쇼핑몰을 비교 분석하여 저렴한쇼핑몰에서 상품을구입하기가쉽지 않다는 단점이 있다.  The advantage is that you can choose an inexpensive shopping mall, which is owned by the customer. There is a drawback that you may not be using an electronic money. In the latter case, it is easy for beginners to access the financial institutions directly through the automatic access program stored in the electronic money, but it is easy for beginners to use it. The disadvantage is that it is not easy.
고객이 상기와 같은 방법으로 인터넷 쇼핑몰에 접속한후， 원하는 상품을 구매하고 결제 수단으로 ⑶형 전자 화폐를 선택하면， 인터넷 쇼핑몰은 거래 정보를 ⑶형 전자 화폐 공급자에게 전송한디-.  After the customer accesses the Internet shopping mall in the same manner as described above, purchases a desired product and selects the money type electronic money as a payment method, the Internet shopping mall transmits the transaction information to the money type electronic money provider.
그러면 抑형 전자 화폐 공급자는 이 거래 정보를 바탕으로 고객의
Figure imgf000009_0001
접근하 여 ⑶형 전자화폐가존재하는지 확인하고， ⑶형 전자화폐에 저장되어 있는 암호화코드를 통해 인터넷 쇼핑몰로부터 전송된 거래 정보를 처리한다. The consumer electronic money provider then uses this transaction information to
Figure imgf000009_0001
Approach it to check if there is a cash type electronic money and process the transaction information transmitted from the internet shopping mall through the encryption code stored in the cash type electronic money.
이때 0）형 전자화폐에 저장되어 있는 암호화 코드는사용자 인증을 대신하는 역할 을수행하며， 별도의 프로그램을 다운 받거나 고객의 인증키 입력 없이 모든 결제가자동으 로 처리된디- .  At this time, the encryption code stored in the 0-type electronic money acts as a substitute for user authentication, and all payments are automatically processed without downloading a separate program or entering the customer's authentication key.
따라서 고객의 ）-1於¾!에 抑형 전자 화폐가 없으면, 결제는 이루어지지 않으며 , 만 약 고객이 대형 전자 화폐를 분실하였거나 파손하였을 때는 새로운 전자 화폐를 재발급 받 아야만 한다.  Therefore, if the customer's 於 -1 於 ¾! Does not have a type electronic money, payment will not be made and if the customer loses or destroys the large electronic money, he / she will have to reissue a new electronic money.
상기와 같이 고객이 소유하고 있는 ⑶형 전자 화폐로부터 인터넷 쇼핑몰이 전송한 거래 정보를 처리한 0）형 전자화폐 공급자는 이것을 바탕으로
Figure imgf000009_0002
전자화폐 제휴 금융사 를 통해 신용 카드결제를 요청하고， 제휴 금융사는抑형 전자 화폐 공급자가 요청한 결제 를승인하고， 최종 처리한다. Based on this, the 0） type electronic money supplier that processed transaction information transmitted from the Internet shopping mall from the current type electronic money owned by the customer is based on this.
Figure imgf000009_0002
A credit card payment is requested through an electronic money partner financial institution, and the affiliate financial company approves and finally processes the payment requested by the cashier type electronic money provider.
전자 지갑형 전자화폐는 온라인상에 전자적으로 저장되어 있는 저장 가치로서， 네 트워크 상에 구현되어 있는 결제 시스템의 한 유형이지만， 하나의 독립된 화폐라기보다는 온라인 지불이 가능한전자화폐를 저장하는공간을 의미한다. E-wallet electronic money is a stored value stored electronically online.It is a type of payment system implemented on the network, but it is not a single currency. It is a space for storing electronic money that can be paid online.
전자 지갑형 전자 화폐에는 전자적으로 저장되는 신용 카드나 직불 카드 정보에서 개인 인증키， 신용 카드 인증서 그리고 온라인 거래 내역 등에 대한 정보가 암호화되어 저 장되며, 온라인 결제 과정이나거래 정보 역시 암호화되어 저장된다.  Electronic wallet-type electronic money stores information such as personal authentication key, credit card certificate and online transaction history in electronically stored credit or debit card information, and also stores online payment process or transaction information.
전자 지갑형 전자화폐는 전자적으로 저장되는 저장 가치가 네트워크 상의 저장 위 치에 따라 사용자 PC (Per sona 1 Computer ) 저장형과 인터넷 서버 저장형이 있으며, 사용자 PC 저장형은 저장 가치가 사용자의 컴퓨터 안에 암호화된 프로그램 형태로 저장되는 것이 며， 인터넷서버 저장형은 전자지갑제공자의 서버 안에 저장가치가저장되는 것이다. 전자 지갑형 전지- 화폐가 사용자 PC에 저장되는 경우에는, 고객이 웹 브라우져와 PC에 저장되어 있는 전자 지갑 프로그램을 실행하고, 인터넷 쇼핑몰에 접속하여 상품을 구 매하고， 결제 수단으로 전자지갑형 전자 화폐를 선택하면， 인터넷 쇼핑몰은 고객의 웹 브 라우져로 결제를 요구한다.  E-wallet type electronic money has user PC (Per sona 1 Computer) storage type and Internet server storage type depending on the storage value stored on the network. It is stored in the form of an encrypted program. In the Internet server storage type, the storage value is stored in the server of the electronic wallet provider. E-wallet type battery-If money is stored on the user's PC, the customer runs the e-wallet program stored in the web browser and the PC, connects to an Internet shopping mall, purchases the product, and uses the e-wallet type electronic payment method. If you choose currency, the internet shopping mall will ask you to pay with your web browser.
인터넷 쇼핑몰에서 결제를 요청받은 웹 브라우져는 사용자 PC에 설치되어 있는 전 자지갑프로그램을 열고, 인터넷 쇼핑몰에 전자지갑에 저장되어 있는 저장가치를지불한 다.  The web browser, which is requested to pay at the internet shopping mall, opens the electronic wallet program installed on the user's PC and pays the storage value stored in the electronic wallet at the internet shopping mall.
그러면 인터넷 쇼핑몰은 이 사용자 PC의 전자 지갑에서 지불된 저장 가치를 전자 자갑공급자에게 지불하고， 전자지갑공급자는지불 게이트웨이를통해 결제를 처리한다. 상기와 같은 과정으로사용자 PC에 저장되어 있는 저장가치 지불과 결제가 완성되 면， 전자 지갑 공급자는 인터넷 쇼핑몰에 잔액을 지불하고， 인터넷 쇼핑몰은 다시 고객의 전자 지갑 프로그램에 잔액을 지불함으로써 결제를 완성하며 , 이때 사용자 PC에 저장되어 있는 저장 가치 정보와 부가 정보는 물론, 저장 가치 지불과 결제 처리, 그리고 잔액 지불 에 대한모든과정이 암호화된다.  The Internet shopping mall then pays the stored value paid from the electronic wallet of the user's PC to the electronic wallet provider, who then processes the payment through the payment gateway. When the storage value payment and payment stored in the user's PC are completed as described above, the electronic wallet provider pays the balance to the Internet shopping mall, and the Internet shopping mall completes the payment by paying the balance to the customer's electronic wallet program again. At this time, the stored value information and additional information stored in the user's PC, as well as the stored value payment, payment processing, and balance payment are encrypted.
전자 지갑형 전자 화폐가 전자 지갑 공급자의 서버에 저장되는 경우에는， 고객이 2019/235665 1»（：1^1{2018/006519 If the wallet type electronic money is stored on the server of the wallet provider, 2019/235665 1 »（： 1 ^ 1 {2018/006519
10 전자 지갑형 전자 화폐를 사용하기 위해서는 먼저 전자 지갑 공급자에게 인터넷을 통해 가 입 신청을 하고회원으로 등록한디- .  10 To use e-wallet type electronic money, you must first apply to the e-wallet provider through the Internet and register as a member.
그러면 전자 지갑 공급자는 메일과 같은 방법을 이용하여 고객에게 전자 지갑을 사 용하는데 필요한 비밀 번호를 전송하며， 고객은 이 비밀 번호를 이용하여 전자 지갑공급자 에 접속한후， 자동 이체， 인터넷뱅킹， 그리고 신용 카드등을 통해 전자지갑을충전한다. 충전이 완료되면 인터넷 쇼핑몰은 고객에게 충전된 금액 및 내역 정보를 관리한다.  The wallet provider then sends the password required to use the wallet to the customer using a method such as e-mail. The customer uses this password to access the wallet, and then the direct debit, internet banking, and Charge your electronic wallet with a credit card. When the charging is completed, the internet shopping mall manages the amount and history information charged to the customer.
상기와 같이 전자 지갑 공급자에 전자 지갑형 전자 화폐의 충전이 완료되면， 고객 은 인터넷 쇼핑몰을 방문하여 원하는상품을 구입하고， 결제 수단으로 전자지갑형 전자화 폐를선택한디- .  When the charging of the electronic wallet type electronic money is completed to the electronic wallet provider as described above, the customer visits the Internet shopping mall to purchase the desired product and selects the electronic wallet type electronic money as a payment method.
그러면 인터넷 쇼핑몰은 고객의 전자 지갑 공급자에게 결제를 요청하고, 전자지갑 공급자는 인터넷 쇼핑몰에서 전송받은 데이터를 바탕으로 결제를 승인하고 그 결과를 인터 넷 쇼광몰에 전달한다.  Then, the internet shopping mall requests payment from the customer's electronic wallet provider, and the electronic wallet provider approves the payment based on the data received from the internet shopping mall and transmits the result to the internet show mall.
선불카드형 전자 화폐는 전자상품권이라고도 하며， 가장 보편적인 형태의 전자 화 폐로서 , 선불카드 뒷면의 고유 번호를 이용하여 온라인 상의 상품이나유료 컨텐츠를 구매 하는 전자 화폐이디- .  Prepaid card-type electronic money, also known as electronic gift voucher, is the most common form of electronic money. Electronic money ID is used to purchase goods or paid contents online using a unique number on the back of the prepaid card.
고객이 선불카드형 전자 화폐를 사용하는 과정에서 선불카드형 전자 화폐 공급자는 선불카드의 고유 번호만을 인식할 뿐, 카드의 소유자를 확인하지 않는다는 특징이 있으며， 선불카드형 전자화폐 공급자는카드의 소유자가아닌 카드자체의 계좌를관리한다.  In the process of using the prepaid card type electronic money, the prepaid card type electronic money supplier recognizes only the unique number of the prepaid card and does not identify the owner of the card.The prepaid card type electronic money supplier is the owner of the card. Manage your account, not your card.
선불카드형 전자 화폐는 게임방이나 편의점 같은 오프라인 판매점을 통해 구입하거 나＞ 선불카드형 전자 화폐 공급자에 회원 가입을 하고 신용 카드나 무통장 입금을 통해 해 당선불카드를구매할수 있디'  Prepaid card type electronic money can be purchased through an offline store such as a game room or convenience store, or you can sign up with a prepaid card type electronic money provider and purchase the prepaid card by credit card or unpaid deposit. '
그러나 선불카드형 전자 화폐는 인터넷 쇼핑몰마다 특정 업체의 선불카드 시스템을 선택하고 있기 때문에 각 인터넷 쇼핑몰에서 사용 가능한 선불카드를 따로 따로 구매해야 2019/235665 1»（：1^1{2018/006519 However, since prepaid card type electronic money selects a prepaid card system of a specific company for each internet shopping mall, it is necessary to separately purchase a prepaid card that can be used in each internet shopping mall. 2019/235665 1 »（： 1 ^ 1 {2018/006519
11  11
한다는 불편함이 있으며, 선불카드형 전자 화폐 구입 과정이 번거롭고 불편하다는 단점이 있다. There is a disadvantage in that the prepaid card type electronic money purchase process is cumbersome and inconvenient.
더구나 대부분의 선불카드에는 유효 기간이 존재하기 때문에 유효 기간이 지나면 해당선불형 전자화폐를사용할수 없다는 것은, 고객들이 선불카드의 사용을 꺼리는 중요 한원인으로 작용하기도 한다.  Moreover, since most prepaid cards have an expiration date, the inability to use the prepaid electronic money after the expiration date is an important cause for customers to be reluctant to use the prepaid card.
그러나 결제 시 고객의 신상 정보를 인터넷 쇼핑몰에 제공할 필요가 없고， 선불카 드자체를 다른사람에게 양도하거나선물로줄수 있다는 것은선불카드형 전자화폐가갖 는가장큰 장점이다.  However, the biggest advantage of the prepaid card type electronic money is that it does not have to provide the personal information of the customer to the internet shopping mall and can transfer the prepaid card itself to another person or give it as a gift.
고객이 선불카드형 전자 화폐를 사용하기 위해서는 오프라인 선불카드 판매점에서 선불카드를선불을 결제하고오프라인으로선불카드를구입하거나, 무통장 입금, 계좌이체， 지로 입금, 그라고 신용 카드 결제 등을 통해 선불카드형 전자 화폐 공급자에게 선불로 결 제하고온라인으로선불카드를 구입해야 한다.  In order to use the prepaid card type electronic money, customers pay the prepaid card at an offline prepaid card store and purchase the prepaid card offline, or make a prepaid card type through bank transfer, bank transfer, giro deposit, or credit card payment. You must prepay with an electronic money provider and purchase a prepaid card online.
고객이 상기와 같이 온·오프 라인을 통해 선불카드형 전자 화폐를 구매한 후, 인터 넷 쇼핑몰에 접속하여 상품을 구매하고, 결제 방법으로 선불카드를 선택하면， 인터넷 쇼핑 몰은선불카드형 전자화폐 공급자의 선불카드 결제 화면을 링크하여 고객의 웹 브라우져에 출력시킨다.  If the customer purchases the prepaid card type electronic money through online and offline as described above, accesses the Internet shopping mall and purchases the product, and selects the prepaid card as the payment method, the Internet shopping mall is the prepaid card type electronic money. Links to the supplier's prepaid card payment screen and prints it to the customer's web browser.
그러면 고객은 자신이 온·오프 라인을 통해 구입한 선불카드의 비밀번호를 링크된 선불카드형 전자화폐 공급자 입력창에 입력하고， 선불카드형 전자 화폐 제공자는 선불카드 계좌에서 해당 선불카드의 존재 유무와잔액 등을 확인한후， 인터넷 쇼핑몰에 선불카드사 용승인을함으로써 결제가종료된디- .  The customer then enters the password of the prepaid card he purchased online and offline into the linked prepaid card type electronic money provider input window, and the prepaid card type electronic money provider provides the presence of the prepaid card in the prepaid card account. After checking the balance, the payment is terminated by approving the prepaid card at the Internet shopping mall.
모바일 전자 화폐는 이동 통신 가입자가 휴대하고 있는 이동 통신 단말기， 스마트 폰， 그리고 무선 통신이 가능한 1:） 등과 같은 무선 통신 단말기를 이용하여 결제를 하는 것으로서, 고객이 무선 통신 단말기를통해 인터넷 쇼핑몰에서 상품 또는유료 컨텐츠를구 2019/235665 1»（：1^1{2018/006519 Mobile electronic money by the mobile communication subscriber capable of cell and the mobile communication terminal, a smart phone, and a wireless communication in 1: as a payment using a wireless communication terminal, and so on), the customer drops in the Internet shopping mall via a wireless communications terminal Or get paid content 2019/235665 1 »（： 1 ^ 1 {2018/006519
12 매한 후, 고객의 이동 통신 사용 요금에서 인터넷 쇼핑몰.결제 금액이 지불되는 형태의 전 자 화폐이다- . After 12 purchases, Internet shopping malls in the customer's mobile use charges . -The amount of electronic money in which payment is made.
모바일 전자 화폐는 고액 결제보다는 소액 결제에 주로 이용되며， 이동 통신 요금 에 결제 금액에 모바일 전자 화폐 결제액이 첨부되는 후불제이기 때문에 , 일정 기간 기준으 로 모바일 결제 총액이 제한된다.  Mobile electronic money is used mainly for small payments rather than high payments. Since mobile e-money payments are postpaid, the amount of mobile payments is limited for a certain period of time.
모바일 전자 화폐는 처리 방법에 따라 결제 승인형과 모바일 비밀 번호 입력형이 있으며， 결제 승인형 모바일 전자 화폐는 고객이 인터넷 쇼핑몰에서 상품 또는 유료 컨텐츠 를 구매하고 결제 방법을 모바일 전자 화폐로 선택하면， 인터넷 쇼핑몰이 모바일 전자 화폐 공급자로를 통해 고객의 모바일 전자 화폐를 확인하고 한도액의 범위 안에서 결제를 승인하 는 것이며 , 모바일 비밀 번호 입력형은 고객인 인터넷 쇼핑몰을 통해 구매할 때마다 모바일 전자 _화폐 공급자가 이동 통신망을 통해 고객에게 비밀 번호를 부여하고, 고객이 이 번호를 인터넷 쇼핑몰에 입력하여 결제를 원하는 형태의 전자 화폐이다.  Mobile electronic money has a payment approval type and a mobile password input type depending on the processing method.When a mobile electronic money is purchased, a customer purchases a product or paid content in an internet shopping mall and selects a payment method as a mobile electronic money, The shopping mall confirms the customer's mobile e-money through the mobile e-money provider and approves payment within the limit. The mobile password input type moves the mobile e-money provider whenever the user purchases through the internet shopping mall. It is a form of electronic money in which a password is given to a customer through a communication network, and the customer enters this number into an internet shopping mall and makes a payment.
고객이 결제 승인형 모바일 전자 화폐를 사용하기 위해 모바일 전자 화폐 공급자로 부터 해당 전자 화폐를 구입 요청하면, 모바일 전자 화폐 공급자는 이동 통신 사에 해당 고 객이 적법한 고객인지를 확인하고, 적법한 고객으로 인증된 경우에 대하여 모바일 전자 화 폐 구매를 승인한다.  When a customer requests to purchase an electronic money from a mobile electronic money provider in order to use a payment approved mobile electronic money, the mobile electronic money provider confirms with the mobile carrier that the customer is a legitimate customer and authenticates as a legitimate customer. Approve the purchase of mobile electronic money.
예를 들어. 회사의 업무용 이동 통신 단말기나 법인 소유의 이동 통신 단말기, 그 리고 연체 금액이 있는 이동 통신 단말기의 경우에는 모바일 전자 화폐 구매가 거부된다. 상기와 같은 과정을 통해 모바일 전자 화폐 구매가 종료되면， 고객은 인터넷 쇼핑 몰에 접속하여 상품이나 유료 컨텐츠를 구매하면, 인터넷 쇼핑몰은 해당 고객의 결제를 모 바일 전자 화폐 공급자에 요청하고， 모바일 전자 화폐 공급자는 해당 고객이 적법한지 확인 하고， 한도액의 범위에서 모바일 전자 화폐 결제를 승인한다. 그러면 인터넷 쇼핑몰은 해당 고객의 구매를 승인하고）. 고객은 당원 이동 통신 요금 납부 시 해당 구매 고객을 지불하게 2019/235665 1»（：1^1{2018/006519 For example. The purchase of mobile electronic money is rejected for the company's business mobile terminal, corporate-owned mobile terminal, and mobile terminal with late payment. When the mobile electronic money purchase is completed through the above process, when the customer accesses the Internet shopping mall and purchases the product or the paid content, the internet shopping mall requests the mobile electronic money provider for the payment of the customer, and the mobile electronic money The supplier verifies that the customer is legitimate and approves the mobile electronic money settlement within the limits. The online shopping mall then approves the customer's purchase. Customers are required to pay their purchases when paying party bills. 2019/235665 1 »（： 1 ^ 1 {2018/006519
13 된다.  13
이와 같이 고객으로부터 구매 대금 지불이 완료되면， 이동 통신사는 모바일 전자 화폐 공급자에 대하여 해당 모바일 전자 화폐에 대하여 정산하고， 모바일 전자 화폐 공급자 는 고객이 상품 또는 유료 컨텐츠를 구매한 인터넷 쇼핑몰에 대하여 정산한다.  As such, when the purchase price payment is completed from the customer, the mobile telecommunication company settles the mobile electronic money for the mobile electronic money provider, and the mobile electronic money provider settles the internet shopping mall where the customer purchased the product or the paid content.
고객이 인터넷 쇼핑몰에 접속하여 상품 또는 유료 컨텐츠에 대한 구매를 요청하고, 결제 방법으로 비밀 번호 입력형 모바일 전자 화폐를 선택하면， 인터넷 쇼핑몰은 해당 고객 의 회원 정보를 바탕으로 모바일 전자 화폐 공급자에 인증 획-인을 요청하고， 모바일 전자 화폐 공급자는 해당 고객에게 구매 승인 비밀 번호를 부여하고， 이동 통신사를 통해 고객의 무선 통신 단말기에 문자 메시지를 통해 모바일 전자 화폐 공급지-가 부여한 비밀 번호가 전 송된다.  When a customer accesses an internet shopping mall, requests a purchase of goods or paid content, selects a password-type mobile electronic money as a payment method, the internet shopping mall authenticates with the mobile electronic money provider based on the member's member information. Upon requesting a seal, the mobile electronic money provider assigns the purchase approval password to the customer, and the password assigned by the mobile electronic money supply source is transmitted via text message to the customer's wireless communication terminal through the mobile carrier.
상기와 같이 고객의 무선 통신 단말기에 구매 승인 비밀 번호가 전송되면， 고객은 구매 완료를 위해 해당 비밀 번호를 입력하여 모바일 전자 화폐 공급자에게 전송하고, 모바 일 전자 화폐 공급자는 고객에게 부여한 비밀 번호와 수신된 비밀 번호 사이의 일치 여부와 해당 고객이 적법한 사용자인지 등을 확인한 후, 적법한 구매 고객에 대하여 구매를 인증한 다.  When the purchase approval password is transmitted to the customer's wireless communication terminal as described above, the customer enters the corresponding password to complete the purchase and transmits the password to the mobile electronic money provider, and the mobile electronic money provider receives the password and the received password to the customer. After confirming that the passwords match and whether the corresponding customer is a legitimate user, the purchaser authenticates the purchase to the legitimate purchaser.
모바일 전자 화폐 공급자로부터 고객에 대한 구매 인증이 확인되면, 인터넷 쇼핑몰 은 해당 고객에게 구매를 승인하며 , 이후 이동 통신 요금을 통한 대금 결제는 결제 승인형 모바일 전자 화폐와 동일한 과정을 통해 이루어지도록 구성하였다.  When the purchase authorization of the customer is confirmed from the mobile electronic money provider, the Internet shopping mall approves the purchase to the corresponding customer, and then the payment through the mobile communication fee is configured to be made through the same process as the payment approved mobile electronic money.
그러나 상기와 같은 종래의 전자 화폐 거래방법은 전자 화폐를 판매한 전자화폐 제 조사에서 전자 화폐로부터 어떠한 수익성 사업을 진행하지 않으므로 궁국적으로는 전자 화 폐의 가치는 통용되는 가겨게 의해 정해질 뿐 나중에 취득한 구매자가 현금화할 때 전혀 받 지 못하게 되는 경우가 발생하는 문제점이 있었다.  However, the conventional electronic money trading method as described above does not carry out any profitable business from electronic money in the electronic money maker that sells electronic money, and ultimately, the value of electronic money is determined only by the current screen. There was a problem in that the acquired buyer could not receive at all when cashing.
【발명의 상세한 설명】 2019/235665 1»（：1^1{2018/006519 [Detailed Description of the Invention] 2019/235665 1 »（： 1 ^ 1 {2018/006519
14  14
【기술적 과제】 [Technical problem]
이에 본 발명은 상기한 바와 같은 종래의 문제점을 해소하기 위한 것으로, 구매자 가 진성화폐를 구매하고자 할 때 투자할 업종（예컨대 환경을 위한 고형연료 제조장치, 고형 연료 연소장치 , 고형연료를 이용한 발전시스템 . 고형연료의 제조와 연소 및 발전시스템을 장착한 선박） 중에서 임의의 업종을 선택하면서 구매하도록 함으로써 진성화폐의 구매금액 이 해당 업종에 투자되어 이익을 창출함에 따라 진성화폐의 구매금액은 물론， 수익에 따른 배당까지 얻도록 하여 구매자들이 구매한 모든 진성화폐의 가치가 시간이 지남에 따라 가치 가상승함에 따른 수익을 획득할 수 있도록 한 진성화폐의 거래방법를 제공하는 것을 그 목 적으로 한다.  Therefore, the present invention is to solve the conventional problems as described above, the type of industry to invest when the buyer wants to purchase intrinsic money (for example, a solid fuel production device, solid fuel combustion device, a power generation system using a solid fuel) . By purchasing any type of industry from the manufacture of solid fuels and ships equipped with combustion and power generation systems), the purchase amount of genuine currency is invested in the industry to generate profits, as well as the purchase price of genuine currency. Its purpose is to provide a method of trading in true currency that allows the purchaser to earn dividends so that the value of all intrinsic currency purchased by buyers can be earned as the value rises over time.
［기술적 해결방법】  [Technical Solution]
상기 목적을 달성하기 위한 본 발명의 진성화폐의 거래방법은，  In order to achieve the above object, the trading method of intrinsic money of the present invention,
구매자가 구매자 단말기로 인터넷망을 통하여 진성화폐 관리서버에 접속하여 회원 으로 가입하도록 하는 과정과.  The purchaser accesses the true money management server through the internet network to the purchaser terminal and registers as a member.
회원으로 가입한 구매자가 구매자 단말기를 통하여 진성화폐 관리서버에 접속한 상 태에서 진성화폐를 구매하는 과정과，  The purchaser who purchases a genuine currency while the buyer who is a member is connected to the true currency management server through the purchaser terminal;
상기의 진성화폐 관리서버에서 구매자에게 진성화폐의 비용으로 ·투자할 업종（예컨 대 환경을 위한 고형연료 제조장치 , 고형연료 연소장치， 고형연료를 이용한 발전시스템， 고 형연료의 제조와 연소 및 발전시스템을 장착한 선박） 중에서 임의로 선택하도록 하는 과정 과’  Types of industries to invest in the intrinsic money management server at the cost of intrinsic money (e.g., solid fuel manufacturing equipment for the environment, solid fuel combustion equipment, power generation systems using solid fuels, solid fuel production, combustion and power generation) The ship with the system)
상기의 진성화폐의 금액에 해당하는 비용을 진성화폐 관리서버에 접속된 금융서버 에 송금하도록 하여 송금이 완료되었는 가를 확인하는 과정과，  A process of checking whether the transfer is completed by sending the money corresponding to the amount of the intact money to a financial server connected to the intact money management server;
상기의 비용으로 진성화폐 관리서버에서 구매자가 구매자 단말기로 선택한 투자할 업종（예컨대 고형연료 제조장치 , 고형연료 연소장치， 고형연료를 이용한 발전시스템， 고형 2019/235665 1»（：1^1{2018/006519 At the above costs, the type of industry to be invested by the buyer as the buyer's terminal in the true money management server (for example, solid fuel manufacturing equipment, solid fuel combustion equipment, power generation system using solid fuel, and solid fuel) 2019/235665 1 »（： 1 ^ 1 {2018/006519
15 연료의 제조와 연소 및 발전시스템을 장착한 선빅 ·） 중에서 선택한 물품의 구매 비용으로 ¾ 환하도록 하는 과정과.  15 The process of converting fuel to the cost of purchasing selected items from Sunvik equipped with combustion and combustion and power generation systems.
상기의 투자한 업종인 고형연료 제조장치， 고형연료 연소장치， 고형연료를 이용한 발전시스템 , 고형연료의 제조와 연소 및 발전시스템을 장착한 선박을 가동하면서 폐기물을 수집하는 과정이나 제조한 고형연료를 판매하는 수익금이나 발전을 일으켜서 전기를 판매한 비용 중에서 해당 진성화폐의 비용에 해당하는 비율의 배당금을 진성화폐 관리서버에서 매 달 계산하도록 하는 과정과,  The process of collecting waste or manufactured solid fuel while operating the vessels equipped with solid fuel manufacturing apparatus, solid fuel combustion apparatus, solid fuel generation system, solid fuel production and combustion and power generation system. The process of generating monthly dividends from the cost of selling electricity by generating revenue or generating electricity, which corresponds to the cost of the corresponding true currency,
상기의 수익금을 계산한 진성화폐 관리서버에서 금융서버를 통하여 진성화폐 구매 자의 계좌로 송금하도록 하는 과정으로 구성함으로써 진성화폐의 구매금액이 해당 업종에 투자되어 이익을 창출함에 따라 진성화폐의 구매금액은 물론. 수익에 따른 배당까지 얻도록 하여 구매자들이 구매한 모든 진성화폐의 가치가 시간이 지남에 따라 가치가 상승함에 따른 수익을 올릴 수 있도록 구성한 것이다.  The process of remitting the proceeds from the true currency management server to the account of the true currency purchaser through the financial server, so that the purchase amount of the true currency is invested in the relevant industry to generate profits sure. It is designed to earn dividends based on profits, so that the value of all intrinsic currencies purchased by buyers can increase as the value increases over time.
【발명의 효과】  【Effects of the Invention】
상기의 본 발명에 따른 진성화폐의 거래방법에 의하여서는  By the transaction method of intrinsic money according to the present invention
구매지-가 구매자 단말기로 인터넷망을 통하여 진성화폐 관리서버에 접속하여 진성 화폐를 구매하고자 할 때 투자할 업종（예컨대 환경을 위한 고형연료 제조장치, 고형연료 연 소장치， 고형연료를 이용한 발전시스템， 고형연료의 제조와 연소 및 발전시스템을 장착한 선박） 중에서 임의의 업종을 선택하면서 구매하도록 하고，  Type of business to invest when the place of purchase-to purchase the true currency by accessing the true money management server through the Internet through the buyer's terminal (for example, the solid fuel manufacturing device for the environment, the solid fuel combustion device, the power generation system using the solid fuel) , Purchase of solid fuels and ships equipped with combustion and power generation systems).
상기 구매자 단말기를 통한 구매자의 선택 사양에 의하여 진성화폐의 구매금액이 해당 업종에 투자되어 이익을 창출함에 따라 진성화폐의 구매금액이 없어지지 않은 물론， 수익에 따른 배당까지 얻도록 하여 구매자들이 구매한 모든 진성화폐의 가치가 시간이 지남 에 따라 상승하고 따른 수익을 획득할 수 있도록 하는 효과가 있다.  According to the buyer's option through the buyer's terminal, the purchase amount of the genuine currency is invested in the corresponding industry to generate profits, so that the purchase amount of the true currency does not disappear, and the dividend according to the profit is obtained so that all the purchasers purchase The value of intrinsic money rises over time and has the effect of earning revenue.
【도면의 간단한 설명］ 2019/235665 1»（：1^1{2018/006519 [Brief description of drawings] 2019/235665 1 »（： 1 ^ 1 {2018/006519
16 도 1은 본 발명의 구성을 개략적으로 두시한 계통도.  16 is a schematic diagram illustrating the configuration of the present invention.
도 2는 본 발명의 동작을 위한 구성을 도시한 플로차트.  2 is a flowchart showing a configuration for the operation of the present invention.
［발명의 실시를 위한 최선의 형태】  [Best form for implementation of the invention]
이하, 첨부된 도면을 참조하여 본 발명의 바람직한 실시예를 설명하면 다음과 같 다.  Hereinafter, exemplary embodiments of the present invention will be described with reference to the accompanying drawings.
구매자가 구매자 단말기 ( 1 )로 인터넷망 (2 )을 통하여 진성화폐 관리서버 (3)에 접속 하여 회원으로 가입한 후 진성화폐의 구매를 진행하도록 하고，  The purchaser connects to the genuine currency management server (3) through the Internet network (2) through the purchaser terminal (1), joins as a member, and proceeds to purchase the true currency.
상기 진성화폐 관리서버 (3)에서 구매자 단말기 ( 1 )를 통하여 구매자에게 투자할 업 종 (예컨대 환경을 위한 고형연료 제조장치， 고형연료 연소장치， 고형연료를 이용한 발전시 스템 , 고형연료의 제조와 연소 및 발전시스템을 장착한 선박) 중에서 원하는 업종에 투자를 선택하도록 하고,  The type of business to invest in the buyer through the purchaser terminal (1) in the intrinsic money management server (3) (for example, the solid fuel manufacturing apparatus, the solid fuel combustion apparatus, the power generation system using the solid fuel, and the manufacture of the solid fuel) Ships with combustion and power generation systems)
상기의 구매자가 진성화폐의 구매비용을 금융서버 ( 4)에 입금하면 이를 전달받은 진 성화폐 관리서버 (3)에서 상기 구매자의 선택 사양에 의하여 진성화폐의 구매금액이 해당 업 종에 투자되어 이익을 창출하면 금융서버 (4)에서 일정 비율의 이익을 구매지-의 계좌로 송금 하도록 구성한 것이다,  When the purchaser deposits the purchase cost of the genuine currency into the financial server (4), the purchase price of the genuine currency is invested in the corresponding industry by the purchaser's option in the received genuine currency management server (3). If you create a bank, the financial server (4) is configured to transfer a certain amount of profit to the account of the place of purchase,
상기의 본 발명은 진성화폐의 거래방법에 그 특징이 있는 것으로서 ,  The present invention described above is characterized by the transaction method of true currency,
구매자가 구매자 단말기 ( 1)로 인터넷망 (2 )을 통하여 진성화폐 관리서버 (3)에 접속 하여 회원으로 가입하도록 하는 과정과,  A process in which a purchaser connects to a true money management server (3) through an internet network (2) to a purchaser terminal (1) and registers as a member;
회원으로 가입한 구매자가 구매자 단말기 ( 1 )를 통하여 진성화폐 관리서버 (3)에 접 속한 상태에서 진성화폐의 구매를 진행하는 과정과. ,  The process of purchasing a true currency while the buyer registered as a member belongs to the true currency management server (3) through the purchaser terminal (1). ,
상기의 진성화폐 관리서버 (3)에서 구매자에게 진성화폐의 비용으로 투자할 업종 (예 컨대 환경을 위한 고형연료 제조장치， 고형연료 연소장치， 고형연료를 이용한 발전시스템， 고형연료의 제조와 연소 및 발전시스템을 장착한 선박) 중에서 임의로 선택하도록 하는 과 2019/235665 1»（：1^1{2018/006519 In the above-mentioned intrinsic money management server (3), the type of business to invest to the purchaser at the cost of intrinsic money (e.g., solid fuel manufacturing apparatus, solid fuel combustion apparatus, power generation system using solid fuel, solid fuel production and combustion and To select arbitrarily from ships with power generation system) 2019/235665 1 »（： 1 ^ 1 {2018/006519
17 정괴-，  17 ingots
상기의 진성화폐의 금액에 해당하는 비용을 진성화폐 관리서버 (3)에 접속된 금융서 버 (4)에 송금하도록 하여 송금이 완료되었는 가를 확인하는 과정과 ,  The process of confirming that the transfer is completed by sending the money corresponding to the amount of the true currency to the financial server (4) connected to the true currency management server (3);
상기의 비용으로 진성화폐 관리서버 (3)에서 구매자가 구매자 단말기 ( 1 )로 선택한 고형연료 제조징-치 , 고형연료 연소징-치， 고형연료를 이용한 발전시스템 , 고형연료의 제조와 연소 및 발전시스템을 장착한 선박 중에서 선택한 물품의 구매 비용으로 전환하도록 하는 과정과’  For the above costs, the solid fuel manufacturing-value, the solid fuel combustion-ging value, the power generation system using the solid fuel, the solid fuel production, the combustion and the power generation selected by the purchaser as the purchaser terminal (1) from the intrinsic money management server (3). To convert the system into a purchase cost for the selected item among ships equipped with the system;
상기의 고형연료 제조장치， 고형연료 연소장치, 고형연료를 이용한 발전시스템, 고 형연료의 제조와 연소 및 발전시스템을 장착한 선박을 가동하면서 폐기물을 수집하는 과정 이나 제조한 고형연료를 판매하는 수익금이나 발전을 일으켜서 전기를 판매한 비용 중에서 해당 진성화폐의 비용에 해당하는 비율의 배당금을 진성화폐 관리서버에서 매달 계산하도록 하는 과정과，  Proceeds from the collection of solid fuel or the sale of manufactured solid fuels while operating a vessel equipped with a solid fuel manufacturing apparatus, a solid fuel combustion apparatus, a solid fuel power generation system, a solid fuel production and combustion and power generation system. Process of calculating monthly dividends in the true money management server, which is the cost of the true money among the costs of selling electricity by generating electricity or generating electricity;
상기의 수익금을 계산한 진성화폐 관리서버 (3)에서 금융서버 (4)를 통하여 진성화폐 구매자의 계좌호 송금하도록 히는 과정으로 구성함으로써 진성화폐의 구매금액이 해당 업종 에 투자되어 이익을 창출함에 따라 진성화폐의 구매금액은 물론， 수익에 따른 배당까지 얻 도록 하여 구매자들이 구매한 모든 진성화폐의 가치가 시간이 지남에 따라 가치가 상승함에 따른 수익을 획득할 수 있도록 한 것이다.  It is composed of the process of making the money transfer server's account transfer through the financial server (4) from the currency management server (3), which calculates the proceeds, so that the purchase amount of the money is invested in the relevant industry to generate profit. Therefore, the purchase price of intrinsic currency as well as the dividend according to the profit are obtained so that the value of all intrinsic currency purchased by buyers can be obtained as the value increases over time.
【발명의 실시를 위한 형태】  [Form for implementation of invention]
상기와 같이 구성한 본 발명에 실시예에 따른 진성화폐의 거래방법은, ' 구매자가 구매자 단말기 ( 1)로 인터넷망 (2)을 통하여 진성화폐 관리서버 (3)에 접속 하여 회원으로 가입하도록 하는 과정과， Trading method of the intrinsic money according to an embodiment to the present invention structured as described above is, "process for the buyer to be connected to the intrinsic monetary management server (3) a member through the Internet network 2 to the purchaser terminals (1) and,
회원으로 가입한 구매자가 구매자 단말기 ( 1 )를 통하여 진성화폐 관리서버 (3)에 접 속한상태에서 진성화폐의 구매를 진행하는 과정과, 2019/235665 1»（：1^1{2018/006519 The purchaser of the registered currency in the state in which the purchaser registered as a member is connected to the true currency management server (3) through the purchaser terminal (1), 2019/235665 1 »（： 1 ^ 1 {2018/006519
18  18
상기의 진성화폐 관리서버 (3 )에서 구매자에게 진성화폐의 비용으로 환경을 위한 고 형연료 제조장치 , 고형연료 연소장치 , 고형연료를 이용한 발전시스템 , 고형연료의 제조와 연소 및 발전시스템을 장착한 선박 중에서 임의로 선택하도록 하는 과정과，  In the intrinsic money management server (3), the purchaser is equipped with a solid fuel manufacturing device, a solid fuel combustion device, a power generation system using solid fuel, a solid fuel production and combustion and power generation system at the cost of intact money. To randomly select from ships;
상기의 진성화폐의 금액에 해당하는 비용을 진성화폐 관리서버 (3)에 접속된 금융서 버 (4)에 송금하도록 하여 송금이 완료되었는 The transfer corresponding to the amount of intrinsic money is sent to the financial server (4) connected to the intrinsic money management server (3).
2019/235665 1»（：1^1{2018/006519 2019/235665 1 »（： 1 ^ 1 {2018/006519
19 가를 확인하는 과정괴-，  19 process of checking the value of
상기의 비용으로 진성화폐 관리서버 (3)에서 구매자가 구매자 단말기 ( 1)로 선택한 고형연료 제조장치 , 고형연료 연소장치 , 고형연료를 이용한발전시스템， 고형연료의 제조와 연소 및 발전시스템을 장착한 선박 중에서 선택한 물품의 구매 비용으로 전환하도록 하는 과정과,  With the above costs, the solid fuel manufacturing device, solid fuel combustion device, solid fuel power generation system, solid fuel production and combustion and power generation system selected by the purchaser terminal (1) from the true money management server (3) To convert to the purchase cost of the selected item from the ship,
상기의 고형연료 제조장치， 고형연료 연소장치 , 고형연료를 이용한 발전시스템, 고 형연료의 제조와 연소 및 발전시스템을 장착한 선박을 가동하면서 폐기물을 수집하는 과정 이나 제조한 고형연료를 판매하는 수익금이나 발전을 일으켜서 전기를 판매한 비용 중에서 해당진성화폐의 비용에 해당하는비율의 배당금을 진성화폐 관리서버에서 매달 계산하도록 하는과정과， · 상기의 수익금을 계산한 진성화폐 관리서버 (3)에서 금융서버 (4)를 통하여 진성화폐 구매자의 계좌로 송금하도록 하는과정으로 구성함으로써 진성화폐의 구매금액이 해당 업종 에 투자되어 이익을 창출함에 따라 진성화폐의 구매금액은 물론， 수익에 따른 배당까지 얻 도록 하여 구매자들이 구매한모든진성화폐의 가치가 시간이 지남에 따라 가치가상승함에 따른수익을 획득할수 있도록 한 것이다.  Proceeds from the collection of waste or the sale of manufactured solid fuels while operating vessels equipped with the solid fuel manufacturing apparatus, solid fuel combustion apparatus, solid fuel power generation system, solid fuel production and combustion and power generation system. Or calculating the dividend of the ratio corresponding to the cost of the corresponding true currency among the costs of selling electricity by generating electricity, every month in the true currency management server, and · in the true money management server (3) for calculating the above profits. By sending the money to the account of the true currency buyer through the server (4), as the purchase amount of the true currency is invested in the relevant industry to generate profits, the purchase price of the true currency as well as the dividend according to the profit So that the value of all intrinsic currency purchased by buyers increases as time goes by It will have to make do.
이상 본 발명의 바람직한 실시예에 대하여 도시하고 설명하였으나, 본 발명은 상기 실시예에 한정되지 아니하며， 청구범위에서 청구하는 본 발명의 요지를 벗어남이 없이 당해 본 발명이 속하는 분야에서 통상의 지식을 가진 자라면 누구든지 다양한 변형 실시 가능한 것은물론이고， 그와 같은 변경은기재된 청구범위 내에 있게 된다.  While the preferred embodiments of the present invention have been shown and described, the present invention is not limited to the above embodiments, and has ordinary skill in the art to which the present invention pertains without departing from the spirit of the invention as claimed in the claims. Of course, any modifications can be made by anyone, such changes are within the scope of the claims.

Claims

2019/235665 1＞（：1^1{2018/006519  2019/235665 1 ＞ （： 1 ^ 1 {2018/006519
20  20
【청구의 범위】 [Range of request]
【청구항 II  Claim claim II
구매지-가 구매자 단말기 ( 1 )로 인터넷망 ( 2 )을 통하여 진성화폐 관리서버 ( 3)에 접속 하여 회원으로 가입한 후 진성화폐의 구매를 진행하도록 하고,  The place of purchase-is connected to the genuine currency management server (3) through the Internet network (2) through the purchaser terminal (1) and joins as a member to proceed with the purchase of true currency.
상기 진성화폐 관리서버 (3)에서 구매자 단말기 ( 1 )를 통하여 구매자에게 투자할 업 종 (예컨대 환경을 위한 고형연료 제조장치， 고형연료 연소장치, 고형연료를 이용한 발전시 스템， 고형연료의 제조와 연소 및 발전시스템을 장착한 선박) 중에서 원하는 업종에 투자를 선택하도록 하고,  Type of business to invest in the buyer through the purchaser terminal (1) in the intrinsic money management server (3) (for example, the solid fuel manufacturing apparatus, the solid fuel combustion apparatus, the power generation system using the solid fuel, and the manufacture of the solid fuel) Ships with combustion and power generation systems)
상기 구매자가 진성화폐의 구매비용을 금융서버 (4 )에 입금하면 이를 전달받은 진성 화폐 관리서버 (3)에서 상기 구매자의 선택 사양에 의하여 진성화폐의 구매'금액이 해당 업종 에 투자되어 이익을 창출하면 금융서버 (4)에서 일정 비율의 이익을 구매자의 계좌로 송금하 도록 구성한 것을 특징으로 하는 진성화폐의 거래방법 . The buyer purchases' amount of genuine currency by in the intrinsic monetary management server (3) If the deposit cost of purchasing genuine currency in the financial server 4, who passes it to the options of the buyer is to invest in that sector profit If the financial server (4) is configured to transfer a certain percentage of the profit to the buyer's account.
【청구항 2]  [Claim 2]
청구항 1에 있어서，  The method according to claim 1,
구매자가 구매자 단말기⑴로 인터넷밍 _(2 )을 통하여 진성화폐 관리서버 (3 )에 접속 하여 회원으로 가입하도록 하는 과：정과,  The section in which a buyer connects to the true money management server (3) through the internet terminal _ (2) through the purchaser's terminal and registers as a member:
회원으로 가입한 구매자가 구매자 단말기 ( 1 )를 통하여 진성화폐 관리서버 (3 )에 접 속한 상태에서 진성화폐의 구매를 진행하는 과정과,  The purchaser of a member who is registered as a member proceeds to purchase a true currency while being connected to the true currency management server (3) through the purchaser terminal (1),
상기의 진성화폐 관리서버 (3)에서 구매자에게 진성화폐의 비용으로 투자할 업종 (예 컨대 환경을 위한 고형연료 제조장치， 고형연료 연소장치， 고형연료를 이용한 발전시스템， 고형연료의 제조와 연소 및 발전시스템을 장착한 선박) 중에서 임의로 선택하도록 하는 과 정과，  In the above-mentioned true money management server (3), the type of business to invest to the purchaser at the cost of true money (for example, solid fuel manufacturing apparatus, solid fuel combustion apparatus, power generation system using solid fuel, solid fuel production and combustion and The process of arbitrarily selecting from ships with power generation system)
상기의 진성화폐의 금액에 해당하는 비용을 진성화폐 관리서버 (3 )에 접속된 금융서 2019/235665 1»（：1^1{2018/006519 The financial instrument connected to the true currency management server (3) for the expenses corresponding to the amounts of the true money above. 2019/235665 1 »（： 1 ^ 1 {2018/006519
21 버 (4)에 송금하도록하여 송금이 완료되었는 가를 확인하는 과정괴- ,  21 The process of confirming that the transfer is completed by sending the transfer to Burr (4).
상기의 비용으로 진성화폐 관리서버 (3)에서 구매지·가 구매자 단말기 ( 1)로 선택한 고형연료 제조장치 , 고형연료 연소장치， 고형연료를 이용한 발전시스템 , 고형연료의 제조와 연소 및 발전시스템을 장착한 선박 중에서 선택한 물품의 구매 비용으로 전환하도록 하는 과정과, ' Based on the above costs, the solid fuel manufacturing device, solid fuel combustion device, power generation system using solid fuel, solid fuel production and combustion and power generation system selected by the purchaser and purchaser terminal (1) from the true money management server (3) the process of transition to a purchase price of selected items from the ship equipped with '
상기의 고형연료 제조장치， 고형연료 연소장치， 고형연료를 이용한 발전시스템， 고 형연료의 제조와 연소 및 발전시스템을 장착한 선박을 가동하면서 폐기물을 수집하는 과정 이나 제조한 고형연료를 판매하는 수익금이나 발전을 일으켜서 전기를 판매한 비용 중에서 해당진성화폐의 비용에 해당하는 비율의 배당금을 진성화폐 관리서버에서 매달 계산하도록 하는과정과，  The above-mentioned solid fuel manufacturing apparatus, solid fuel combustion apparatus, power generation system using solid fuel, the process of collecting waste while operating a ship equipped with solid fuel production and combustion and power generation system, or proceeds of selling manufactured solid fuel Process of calculating monthly dividends in the true money management server for the cost of the corresponding true money among the costs of selling electricity by generating electricity or generating electricity;
상기의 수익금을 계산한 진성화폐 관리서버 (3)에서 금융서버 (4)를 통하여 진성화폐 구매자의 계좌로 송금하도록 하는과정으로 구성함으로써 진성화폐의 구매금액이 해당 업종 에 투자되어 이익을 창출함에 따라 진성화폐의 구매금액은 물론， 수익에 따른 배당까지 얻 도록하여 구매자들이 구매한모든 진성화폐의가치가 시간이 지남에 따라 가치가상승함에 따른수익을 획득할수 있도록구성한 것을특징으로 하는진성화폐의 거래방법 .  The process of remitting the proceeds from the true money management server (3) to the money purchaser's account through the financial server (4), so that the purchase amount of the true money is invested in the relevant industry to generate profits. The transaction of intrinsic currency, which is configured to obtain the purchase amount of intrinsic currency as well as the dividend according to profit, so that the value of all intrinsic currency purchased by buyers can be obtained as the value increases over time. Way .
PCT/KR2018/006519 2018-06-08 2018-06-08 Transaction method for genuine currency WO2019235665A1 (en)

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Citations (5)

* Cited by examiner, † Cited by third party
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KR100821701B1 (en) * 2007-03-06 2008-04-14 주식회사 엑스너 Consolidation financial statements processing system
KR100985736B1 (en) * 2010-02-08 2010-10-06 정우석 Trading in financial investment products for the online lottery controlling methods and the system
KR20160131167A (en) * 2015-05-06 2016-11-16 남기원 System for managing small sum bond of a member store using of a mobil phone and method of the same
KR101708834B1 (en) * 2015-08-21 2017-03-08 주식회사 케이지제로인 Server for providing monitoring services for fund investor and computer readable recording medium using the same
KR20170133302A (en) * 2017-11-25 2017-12-05 김해동 System and method for estimating reliability of stock investment using stock investment performance

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR100821701B1 (en) * 2007-03-06 2008-04-14 주식회사 엑스너 Consolidation financial statements processing system
KR100985736B1 (en) * 2010-02-08 2010-10-06 정우석 Trading in financial investment products for the online lottery controlling methods and the system
KR20160131167A (en) * 2015-05-06 2016-11-16 남기원 System for managing small sum bond of a member store using of a mobil phone and method of the same
KR101708834B1 (en) * 2015-08-21 2017-03-08 주식회사 케이지제로인 Server for providing monitoring services for fund investor and computer readable recording medium using the same
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