Virtual currency payment method and system

Abstract

To provide a virtual currency payment method that can increase the value of a specific virtual currency. SOLUTION: A computer executes the following steps: a first step of performing a process to manage coins issued to a user in a wallet used by the user; a second step of performing a process to use the coins managed by the wallet to pay a payment fee when the user makes a payment using the wallet (using a payment card); and a third step of performing a process to burn the coins used as a payment fee in the second step.

Description

[Technical Field]

[0001] The present invention relates to a virtual currency payment method and system. [Background technology]

[0002] The market for payments using virtual currencies is expanding. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Patent No. 760891 Summary of the Invention [Problem to be solved by the invention]

[0004] However, payments using virtual currencies have the problem that payment fees are high, which reduces the actual value of the virtual currencies.

[0005] The present invention has been made in consideration of the above circumstances, and its purpose is to provide a virtual currency payment method and system that can increase the value of a specific virtual currency when making payments using virtual currency. [Means for solving the problem]

[0006] The present invention is a virtual currency payment method in which a computer executes the following steps: a first step of performing processing to manage coins issued to a user in a wallet used by the user; a second step of performing processing to use the coins managed by the wallet to pay a payment fee in a payment by the user using the wallet; and a third step of performing processing to burn the coins used as the payment fee in the second step.

[0007] Preferably, the coins are virtual currency.

[0008] Preferably, the payment is made using the coin or a virtual currency other than the coin.

[0009] Preferably, the identification information of a credit card is set in the wallet application, and the payment is made using the credit card and virtual currency managed by the wallet.

[0010] Preferably, the wallet has a function of exchanging the virtual currency for USDT, and the computer further executes a fifth step of determining whether the payment is possible using the smaller of the payment limit of the credit card or the amount of USDT stored in the wallet as the payment limit.

[0011] Preferably, the credit card is provided with an airdrop service that grants the coins to the user's wallet, and the computer further executes a fourth step of processing to grant the coins to the wallet based on the airdrop service.

[0012] Preferably, the computer further executes a sixth step of determining the settlement fee based on the amount of coins held in the wallet.

[0013] Preferably, the wallet converts the stored virtual currency into USDT and stores it, and uses the stored USDT for the settlement.

[0014] The virtual currency payment system of the present invention comprises a coin issuing device and a wallet management device, wherein the wallet management device performs processing to have coins issued to a user managed in a wallet used by the user, and performs processing to have the coins managed by the wallet used to pay a payment fee when the user makes a payment using the wallet, and the coin issuing device performs processing to burn the coins used as a payment fee. [Effects of the Invention]

[0015] According to the present invention, it is possible to provide a virtual currency payment method and system that can increase the value of a specific virtual currency when making payments using virtual currency. [Brief explanation of the drawings]

[0016] [Figure 1] FIG. 1 is a system configuration diagram of an environment in which a virtual currency payment method according to an embodiment of the present invention is applied. [Figure 2] FIG. 2 is a flowchart for explaining the initial operation of the embodiment of the present invention. [Figure 3] FIG. 3 is a flowchart illustrating the settlement process of the virtual currency settlement method according to the embodiment of the present invention. [Figure 4] FIG. 4 is a diagram for explaining objects stored in the wallet 51 according to the embodiment of the present invention. [Figure 5] FIG. 5 is a diagram for explaining the function of the wallet 49. [Figure 6] FIG. 6 is a flowchart for explaining the airdrop service of this embodiment. [Figure 7] FIG. 7 is a flowchart illustrating the process of burning coins used as a settlement fee in this embodiment. [Figure 8] FIG. 8 is a functional block diagram of the user terminal device 11 shown in FIG. [Figure 9] FIG. 9 is a functional block diagram of the card issuing company device 21 shown in FIG. DETAILED DESCRIPTION OF THE INVENTION

[0017] An example of a virtual currency payment method according to an embodiment of the present invention will be described below. FIG. 1 is a system configuration diagram of an environment in which a virtual currency payment method according to an embodiment of the present invention is applied. As shown in FIG. 1, the system uses, for example, a user terminal device 11, a card issuing company device 21, a coin issuing (transaction) device 23, a wallet management device 25, and a virtual currency issuing device 31. Here, for example, the card issuing company device 21, the coin issuing company device 23 and the wallet management device 25 are operated by a business that provides the service of this embodiment or by a related business.

[0018] <Initial operation> FIG. 2 is a flowchart for explaining the initial operation of the embodiment of the present invention. Step ST11: The user operates the user terminal device 11 to access the card issuing company device 21 and make a request to the credit card company for the issuance of a credit card. The card issuing company issues a credit card to the user after a predetermined examination. The card issuing company device 21 issues a credit card issuance number and provides it to the user terminal device 11.

[0019] Step ST12: The user operates the user terminal device 11 to access the wallet management device 25 and installs the wallet as, for example, an application. The installation provides the user with a wallet. The wallet application communicates with the wallet management device 25 and performs the wallet functions.

[0020] Step ST13: A user accesses the virtual currency issuing device 31 and purchases virtual currency. Furthermore, the user accesses the coin issuing device 23 to purchase coins as needed. The user operates the user terminal device 11 to access the wallet management device 25, and the wallet management device 25 manages the virtual currency and coins purchased by the user. Specifically, the issued virtual currency and coins are sent to the wallet address on the blockchain of the wallet provided by the wallet management device 25.

[0021] For example, virtual currency is purchased as follows. The user selects a virtual currency issuing agency (virtual currency issuing agency device 31) and applies. The virtual currency issuing device 31 creates an account for the user and verifies the user's identity. A user deposits money into their account, then uses the exchange's platform to select and purchase the desired cryptocurrency, typically Bitcoin or Ethereum. Next, store the purchased cryptocurrency in a wallet, which can be moved to a personal hardware or software wallet for security.

[0022] In this embodiment, using a credit card has the following advantages over commonly used virtual currency debit cards. There are many places and stores that accept VISA (trademark) and other affiliated cards, monthly withdrawals are possible with a subscription, no KYC application or screening is required, fees are low, there is an airdrop function, cashless payments are supported, and resale is possible as the funds are anonymous.

[0023] <Payment processing> FIG. 3 is a flowchart illustrating the settlement process of the virtual currency settlement method according to the embodiment of the present invention. Step ST21: A user makes a payment using a credit card at a store or online. The settlement operation is transmitted to the card issuing company device 21 and the coin issuing company device 23. It may be transmitted to either one of them. When payment is made, the USDT managed by the wallet is paid to the seller.

[0024] Step ST22: The card issuing company device 21 or the coin issuing device 23 accesses the coin issuing device 23 to obtain information on the amount of coins held by the user, and determines the payment fee based on the amount held. At this time, the settlement fee may be determined further based on the settlement amount related to the settlement operation.

[0025] Step ST23: The card issuing company device 21 or the coin issuing company device 23 checks whether the payment amount indicated in the payment operation satisfies the payment conditions. The payment condition is, for example, that the payment amount must not exceed the upper limit of the payment amount for payments made using a credit card. The upper limit is, for example, the smaller of the payment limit of the credit card or the amount of USDT stored in the wallet. Another payment condition is that the wallet must store a holding amount equal to or greater than the payment fee determined in step ST22.

[0026] Step ST24: If the card issuing company apparatus 21 determines in step ST22 that the payment conditions are met, it proceeds to step ST25.

[0027] Step ST25: The wallet management device 25 executes the payment process for the payment amount described above. Specifically, it transfers USDT equivalent to the payment amount stored in the wallet to the card issuer device 21.

[0028] Step ST26: The wallet management device 25 performs a process of burning the coins for the settlement fee determined in step ST22. The process of burning coins will be described later.

[0029] <Wallet functions> FIG. 4 is a diagram for explaining the objects stored in the wallet 49 according to the embodiment of the present invention. As shown in FIG. 4, wallet 49 stores virtual currency held by the user and USDT converted from virtual currency. The wallet 49 exchanges virtual currency into USDT at the virtual currency issuing device 31 and stores the converted currency in accordance with operational instructions from the user. Furthermore, the wallet 49 exchanges coins into USDT at the coin issuing device 23 and stores them in accordance with operational instructions from the user.

[0030] Furthermore, the wallet 49 stores the virtual currency purchased at the virtual currency issuing device 31 in accordance with the user's operational instructions. The wallet 49 stores coins purchased at the coin issuing device 23 in response to user operation instructions.

[0031] FIG. 5 is a diagram for explaining the function of the wallet 49. As shown in Figure 5, it has functions for managing virtual currencies and coins, sending and receiving, managing transaction history, currency exchange, security, and other management.

[0032] A wallet 49 is a place to safely store coins and virtual currencies. The address of the wallet 49 is a public key, and a private key is used to access the wallet 49. Wallet 49 sends and receives cryptocurrency to and from other wallets.

[0033] Wallet 49 checks and manages the transaction history of the virtual currency sent and received, and records the transaction details for easy reference later. Wallet49 offers security features such as two-factor authentication and biometric authentication to keep your assets safe. The wallet 49 accesses the coin issuing device 23 or the virtual currency issuing device 31 to exchange coins or virtual currency for USDT.

[0034] Wallet49 features a dashboard that allows users to view balances and asset details in real time, as well as portfolio management functions.

[0035] <Airdrop processing> The credit card issued by the card issuing company device 21 is provided with an airdrop service that grants coins to the wallet 49 of the credit card holder. The amount of coins granted varies depending on the grade of the card, for example.

[0036] FIG. 6 is a flowchart for explaining the airdrop service of this embodiment. Step ST31: The card issuing company device 21 determines whether or not the conditions for airdrop are met, and if it determines that they are met, proceeds to step ST32. The condition may be, for example, several predetermined dates per year.

[0037] Step ST32: The card issuer's device 21 performs a process of providing a predetermined amount of coins to the user's wallet 49. By providing a credit card with the airdrop function described above, the value of the service can be increased.

[0038] <Coin Burning> Below, we will explain the process when a user makes a payment and burns the coins used as the payment fee. FIG. 7 is a flowchart illustrating the process of burning coins used as a settlement fee in this embodiment.

[0039] Step ST41: The wallet management device 25 determines whether the burn condition is met, and if it is determined that the burn condition is met, the process proceeds to step ST42. The burn condition is, for example, that coins have been used as a settlement fee.

[0040] Step ST42: The wallet management device 25 transfers coins equivalent to the settlement fee to a burn address previously specified by the coin issuing device 23.

[0041] Step ST43: The wallet management device 25 records the transaction in step ST42.

[0042] Step ST44: The coin issuing device 23 announces that coins equivalent to the fee have been burned. In this way, burning a coin makes it permanently unusable, thereby decreasing the supply of that coin and increasing its value.

[0043] <Configuration of User Terminal Device 11> FIG. 8 is a functional block diagram of the user terminal device 11 shown in FIG. As shown in FIG. 8, the user terminal device 11 includes, for example, a display 51, an operation unit / input unit 54, a communication unit 55, a memory 59, and a processing unit 61.

[0044] The display 51 displays an image based on a signal from the processing unit 61 . The communication unit 55 communicates with the card issuing company device 21, the coin issuing device 23, the wallet management device 25, and the virtual currency issuing device 31. The operation unit / input unit 54 is an operation means such as a touch panel, a keyboard, or a mouse. The memory 59 stores the program executed by the processing unit 61 . The processing unit 61 executes the program PRG stored in the memory 59 to perform the above-described processing of the user terminal device 11 defined in this embodiment.

[0045] <Configuration of the card issuing company device 21, etc.> FIG. 9 is a functional block diagram of the card issuing company device 21 shown in FIG. As shown in FIG. 9, the card issuing company device 21 includes, for example, a communication unit 75, an input unit 77, a memory 79, and a processing unit 81.

[0046] The communication unit 75 communicates with the user terminal device 11 and the wallet management device 25 . The input unit 77 is a terminal or the like for inputting data from the outside. The memory 79 stores the program executed by the processing unit 81 . The processing unit 81 executes the program PRG stored in the memory 79 to perform the above-described processing of the card issuing company device 21 defined in this embodiment.

[0047] The coin issuing device 23 and the wallet management device 25 are basically the same in configuration as the card issuing company device 21 shown in FIG. 9, and perform the processes specified in the coin issuing device 23 and the wallet management device 25 described above, respectively.

[0048] As described above, according to the virtual currency payment method of this embodiment, as users use coins to make payments with virtual currency and burn those coins, the amount of payments increases, which increases the market value of the coins and provides benefits to users who hold the coins.

[0049] Furthermore, according to this embodiment, by providing the airdrop function, it is possible to give economic benefits to credit card holders and increase the number of credit card subscribers.

[0050] Furthermore, according to this embodiment, the payment fee can be reduced according to the amount of coins held, thereby increasing the incentive to hold coins.

[0051] The present invention is not limited to the above-described embodiments. That is, those skilled in the art may make various modifications, combinations, subcombinations, and substitutions of the components of the above-described embodiments within the technical scope of the present invention or its equivalents.

[0052] For example, in the above-described embodiment, a credit card is used as an example of a payment medium, but a debit card or a non-card payment medium is also possible.

[0053] Furthermore, the airdrop function is not limited to the above, and may be, for example, a function that awards points according to the total payment amount.

[0054] In this embodiment, the coins are a virtual currency different from the virtual currency described above. That is, the virtual currency described above may be the first virtual currency, and the coins may be the second virtual currency. [Industrial Applicability]

[0055] The present invention is applicable to services denominated in virtual currencies. [Explanation of symbols]

[0056] 11...User terminal device 21...Card issuing company equipment 23...Coin issuing equipment 25...Wallet management device 49...Wallet

Claims

1. A virtual currency payment method for making payments using a wallet equipped with a function for exchanging virtual currency into USDT, a first step in which the wallet used by a user manages coins, which are a first virtual currency issued to the user; a second step of determining whether or not a payment using the wallet in which the identification information of a credit card is set is possible using the smaller of the payment upper limit of the credit card or the USDT managed by the wallet as a payment upper limit; a third step of making a payment using the coins managed by the wallet as a payment fee if it is determined in the second step that the payment is possible; a fourth step of burning the coins used as the settlement fee in the third step; A virtual currency payment method implemented by a computer.

2. The third step uses the coin or a second virtual currency other than the coin for the settlement. The virtual currency payment method according to claim 1.

3. The credit card is provided with an airdrop service that grants the coins to the user's wallet, A fifth step of performing a process for adding the coins to the wallet based on the airdrop service. The computer further executes The virtual currency payment method according to claim 1.

4. determining the settlement fee based on the amount of coins held in the wallet; The computer further executes The virtual currency payment method according to claim 1.

5. A virtual currency payment system that performs payments using a wallet that has a function for exchanging virtual currency into USDT, a first step in which the wallet used by a user manages coins, which are a first virtual currency issued to the user; a second step of determining whether or not a payment using the wallet in which the identification information of a credit card is set is possible using the smaller of the payment upper limit of the credit card or the USDT managed by the wallet as a payment upper limit; a third step of making a payment using the coins managed by the wallet as a payment fee if it is determined in the second step that the payment is possible; a fourth step of burning the coins used as the settlement fee in the third step; A virtual currency payment system run by a computer.

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