Method, device and system for providing reverse electronic cash based on multilateral transaction

Abstract

One embodiment of the present invention relates to a method, a device and a system for providing reverse electronic cash based on a multilateral transaction, which have a platform that, unlike a general point or gift certificate system, enables reverse electronic cash that can be used only between transaction parties in a multilateral transaction and that can be converted into cash to be used, wherein, if a seller among the transaction parties goes out of business and the like, payment can be made to a third seller on the basis of existing reverse electronic cash.

Description

Method, device and system for providing reverse electronic money based on multilateral transactions

[0001] The examples below, unlike general point or gift certificate systems, are about a method, device, and system for providing reverse currency based on multi-party transactions, which configures a platform that can use reverse currency that can be used only between the transaction parties in a multi-party transaction and can be converted to cash, but in the event that a seller among the transaction parties goes out of business, etc., payment can be made to another third-party seller based on the existing reverse currency.

[0002] Platforms that provide / broker products or services offer various incentive benefits to promote transactions / use.

[0003] Typical incentive benefits include point systems, coupons, and gift certificates. Depending on the nature of the platform, some allow all sellers to use these benefits, while others restrict their use to sellers who were parties to the transaction.

[0004] Incentives that are available to all sellers have the disadvantage that it is difficult for a specific seller to induce buyers to continue to transact with them. Incentives that have limited use have the disadvantage that they become unusable and abandoned if the seller goes out of business, for example.

[0005] Meanwhile, various security technologies, such as blockchain technology, are being applied to electronic currencies used in e-commerce. However, blockchain has limitations in that it requires a lot of time (proof of work, etc.) and costs (power consumed to maintain the blockchain network, etc.) for transactions.

[0006] The problem to be solved by one embodiment of the present invention is to overcome the limitations of the conventional e-commerce incentive providing platform as described above, and to provide a method, device and system for providing reverse electronic currency based on multi-party transactions, which ① can be used only between transaction parties in multi-party transactions and ② can use reverse electronic currency that can be converted into cash, ③ can make payments to other third-party sellers based on existing reverse electronic currency in the event that a seller among the transaction parties goes out of business, and ④ can protect reverse electronic currency from risks such as theft by hacking without relying on blockchain.

[0007] According to one embodiment, a method for providing reverse electronic money based on a multi-party transaction performed by a device (server) comprises the steps of: receiving transaction request information from a buyer terminal; confirming whether a transaction amount corresponding to the transaction request information has been paid; if the transaction amount has been paid: transmitting the transaction request information to a first seller terminal; receiving transaction completion information from the first seller terminal; paying a first reverse electronic money in an amount equal to a first portion of the transaction amount to a first seller virtual account based on the transaction completion information and first seller virtual account information; paying a second reverse electronic money in an amount equal to a second portion of the transaction amount to the buyer virtual account based on the buyer virtual account information; paying a third reverse electronic money in an amount equal to the second portion of the transaction amount to an administrator virtual account; receiving a withdrawal request for the first reverse electronic money or the second reverse electronic money; transmitting a transfer request to a bank API based on the withdrawal request; And based on the withdrawal request, a step of deducting the first reverse electronic currency or the second reverse electronic currency from the first seller virtual account or the buyer virtual account; and the sum of the first part and the second part is configured to be equal to the transaction amount, and in the first reverse electronic currency to the third reverse electronic currency: the buyer virtual account information, the first seller virtual account information, the administrator virtual account information, the transaction amount, and the transaction date and time are stored, and the payment method of the transaction amount includes: at least one of 'the fourth reverse electronic currency in which the first seller virtual account information is stored among the second reverse electronic currency recorded in the buyer virtual account information', cash, card, account transfer, bank deposit, and digital goods.

[0008] In addition, in the buyer virtual account information: one or more buyer available IP addresses and buyer contact information are stored, in the first seller virtual account information: one or more first seller available IP addresses, first seller contact information, and whether or not it is inactive are stored, in the first reverse electronic money: a first seller country code, a first seller unique number, and a first seller terminal IP address are further stored, and in the second reverse electronic money: a buyer country code, a buyer unique number, and a buyer terminal IP address are further stored, and the step of confirming whether payment of the transaction amount corresponding to the transaction request information is made includes: a step of confirming whether the IP address of the transaction request terminal recorded in the transaction request information matches any one of the buyer available IP addresses; a step of disallowing the transaction if the IP address of the transaction request terminal recorded in the transaction request information does not match any one of the buyer available IP addresses; And if the IP address of the transaction request terminal recorded in the transaction request information matches any one of the available IP addresses of the buyer: a step of allowing the transaction; and the step of disallowing the transaction includes: a step of transmitting transaction failure information to the buyer contact information and the first seller contact information; and the step of allowing the transaction includes: a step of requesting payment for the transaction amount to the buyer terminal; and the payment method for the transaction amount further includes: 'the fifth reverse electronic currency of which the inactivity is inactive among the second reverse electronic currency', and the step of paying the first reverse electronic currency to the first seller virtual account includes: a step of paying the sixth reverse electronic currency, the amount of which is equal to the fourth or fifth reverse electronic currency included in the transaction amount, from the administrator virtual account to the seller virtual account;And if the transaction amount includes the fourth or fifth reverse electronic currency: a step of deducting the sixth reverse electronic currency from the administrator virtual account;

[0009] And, the step of processing payment of the first reverse digital currency to the first seller virtual account includes: if there is no first reverse digital currency corresponding to the buyer virtual account information and the first seller virtual account information: issuing a new first reverse digital currency; recording the transaction completion information in the first reverse digital currency and updating the balance of the first reverse digital currency; and updating and storing a first token that encrypts a copy of the first reverse digital currency in the first seller terminal; and the step of processing payment of the second reverse digital currency to the buyer virtual account includes: if there is no second reverse digital currency corresponding to the buyer virtual account information and the first seller virtual account information: issuing a new second reverse digital currency; recording the transaction completion information in the second reverse digital currency and updating the balance of the second reverse digital currency. And a step of updating and storing a second token that encrypts a copy of the second reverse currency in the buyer terminal; and the step of processing payment of the third reverse currency to an administrator virtual account includes: if a third reverse currency corresponding to the buyer virtual account information and the first seller virtual account information does not exist: a step of newly issuing a third reverse currency; a step of recording the transaction completion information in the third reverse currency and updating the balance of the third reverse currency; and a step of updating and storing a third token that encrypts a copy of the third reverse currency in the administrator terminal; and the step of confirming whether payment of the transaction amount corresponding to the transaction request information is made includes: a step of receiving the first token from the first seller terminal; a step of receiving the second token from the buyer terminal; a step of receiving the third token from the administrator terminal; a step of confirming whether the first token and the third token match; a step of disallowing the transaction if the first token and the third token do not match; And if the first to third tokens match: a step of allowing a transaction;and the step of disallowing the transaction may include: a step of transmitting transaction failure information to the buyer contact information and the first seller contact information; and the step of allowing the transaction may include: a step of requesting payment for the transaction amount to the buyer terminal;

[0010] In addition, the step of confirming whether payment of the transaction amount corresponding to the transaction request information has been made includes: the step of receiving a first image from the buyer terminal; the step of processing the buyer's identity verification based on the first image; the step of disallowing the transaction if the buyer's identity verification fails; and the step of allowing the transaction if the buyer's identity verification succeeds; wherein the step of disallowing the transaction includes: the step of transmitting transaction failure information to the buyer's contact information and the first seller's contact information; and the step of allowing the transaction includes: the step of requesting payment of the transaction amount to the buyer terminal; wherein the buyer terminal includes: a projection device that projects predetermined image information; and a camera arranged to capture an image in the same direction as a projection direction of the projection device; and wherein the buyer terminal includes: the step of reading a first random number table pre-designated for each buyer's unique number; the step of generating a first timestamp based on the current time; the step of extracting a first code by selecting a random number value from the first random number table based on the first timestamp; the step of generating a second code by inputting the first code into a predetermined hash function; The method may be controlled according to the steps of: extracting the first four characters of the second code to generate a third code; shooting a first image with the camera; determining a placement location of the third code based on the first image; projecting the third code with the projection device; shooting a second image with the camera; capturing a frame in which a human object and the third code are recognized from the second image to generate the first image; and transmitting the first image to the device.

[0011] In addition, the step of determining the arrangement position of the third code may include: a step of capturing a frame in which a human face object and a human upper body object are recognized from the first image to generate a second image; a step of recognizing a human cheek object from the second image; a step of calculating an area of ​​the cheek object; a step of calculating a first coordinate that is a center position of the cheek object; a step of extracting first regions from the human upper body object; a step of extracting a second region that is a first region with a largest area among the first regions; and a step of calculating a second coordinate that is a center position of the second region; and the step of determining the arrangement position of the third code may include: a step of drawing a predetermined first rectangle so as to be 70% of the area of ​​the cheek object; a step of placing a third code at the first coordinate so as to correspond to the size of the first rectangle; a step of drawing a predetermined second rectangle so as to be 70% of the area of ​​the second region; and a step of placing a third code at the second coordinate so as to correspond to the size of the second rectangle.

[0012] And, the step of extracting the first regions includes: a first extraction step of extracting a first color code for each pixel constituting the human upper body object; a second extraction step of calculating an occurrence frequency for each of the extracted first color codes; a second extraction step of sorting the first color codes in descending order based on the occurrence frequency; a third extraction step of dividing the human upper body object into predetermined first grids; a fourth extraction step of calculating a second color code, which is an average value of the first color codes of pixels located inside the first grid, for each of the first grids; a fifth extraction step of extracting a second grid having the highest similarity to a 'third color code having the highest occurrence frequency among the first color codes' based on the second color codes and adding the second grid to a grid list; a sixth extraction step of extracting fourth grids that are not included in the grid list among third grids located above, below, to the left and right of the second grid; A seventh extraction step of extracting a fifth grid having the highest similarity to the third color code among the fourth grids based on the second color codes; If the 'similarity between the second color code of the fifth grid and the third color code' is equal to or greater than a predetermined threshold: an eighth extraction step of adding the fifth grid to a grid list; If the 'similarity between the second color code of the fifth grid and the third color code' is equal to or greater than a predetermined threshold: a ninth extraction step of repeating the sixth to eighth extraction steps for third grids located above, below, left, and right of the fifth grid; If the 'similarity between the second color code of the fifth grid and the third color code' is less than a predetermined threshold: a tenth extraction step of merging grids included in the grid list and designating them as a first region; Based on the above second color codes, an 11th extraction step of extracting the second grid having the highest similarity to the 'third color code having the nth highest frequency of appearance among the first color codes' (n is a set consisting of natural numbers greater than or equal to 2 and less than or equal to 10) and adding it to the grid list;And a twelfth extraction step repeating the sixth to tenth extraction steps; and the step of projecting the third code with the projection device may include: a step of extracting a fourth color code for each pixel constituting the second area; a step of calculating a fifth color code which is an average value of the fourth color codes; a step of calculating a sixth color code which is a complementary color of the fifth color code based on the fifth color code; and a step of designating the font color of the third code as the sixth color code.

[0013] A device according to one embodiment may be coupled with hardware and controlled by a computer program stored on a medium to execute any one of the methods described above.

[0014] According to one embodiment, a device for providing reverse electronic money based on a multi-party transaction that communicates with a buyer terminal, a first seller terminal, and an administrator terminal through wired or wireless communication comprises the steps of: receiving transaction request information from the buyer terminal; confirming whether a transaction amount corresponding to the transaction request information has been paid; if the transaction amount has been paid: transmitting the transaction request information to the first seller terminal; receiving transaction completion information from the first seller terminal; paying a first reverse electronic money amount equal to a first portion of the transaction amount to the first seller virtual account based on the transaction completion information and first seller virtual account information; paying a second reverse electronic money amount equal to a second portion of the transaction amount to the buyer virtual account based on the buyer virtual account information; paying a third reverse electronic money amount equal to the second portion of the transaction amount to the administrator virtual account; receiving a withdrawal request for the first reverse electronic money or the second reverse electronic money; transmitting a transfer request to a bank API based on the withdrawal request; And a step of deducting the first reverse electronic currency or the second reverse electronic currency from the first seller virtual account or the buyer virtual account based on the withdrawal request; and the sum of the first part and the second part is configured to be equal to the transaction amount, and the first reverse electronic currency to the third reverse electronic currency store: the buyer virtual account information, the first seller virtual account information, the administrator virtual account information, the transaction amount, and the transaction date and time, and the payment method of the transaction amount includes: at least one of 'the fourth reverse electronic currency in which the first seller virtual account information is stored among the second reverse electronic currency recorded in the buyer virtual account information', cash, card, account transfer, and bank transfer.

[0015] The device for providing reverse electronic money based on the above multilateral transaction may be applied to the embodiments of the method for providing reverse electronic money based on the above multilateral transaction.

[0016] In one embodiment, by providing an incentive system (reverse digital currency) that can only be used between the transacting parties in a multilateral transaction, it is possible to encourage ongoing transaction relationships between sellers and buyers of goods / services.

[0017] Additionally, by establishing a platform that allows the use of cashable digital currency, incentive systems can be utilized in the form of cash back payments to buyers.

[0018] In addition, in the event that a seller among the transaction parties goes out of business, the existing reverse cryptocurrency is not discarded, and the transaction amount can be paid or discounted to another seller based on reverse cryptocurrency, and the other seller can normally receive the full transaction amount.

[0019] Additionally, it can protect cryptocurrencies from risks such as theft through hacking without relying on blockchain.

[0020] Additionally, by using a combination of facial recognition (facial recognition) and random numbers (OTP) during the buyer's identity verification process, hacking based on AI for face generation / forgery can be prevented.

[0021] FIG. 1 is a schematic diagram showing a system for providing reverse electronic money based on a multilateral transaction according to one embodiment of the present invention.

[0022] FIG. 2 is a flowchart illustrating a method for providing reverse electronic money based on a multilateral transaction according to one embodiment of the present invention.

[0023] FIG. 3 is a flowchart illustrating a step of confirming whether a transaction amount has been paid in a method of providing reverse electronic money based on a multilateral transaction according to one embodiment of the present invention.

[0024] FIG. 4 is a flowchart illustrating a method for controlling a buyer terminal in a method for providing reverse electronic money based on a multilateral transaction according to an embodiment of the present invention.

[0025] Hereinafter, embodiments are described in detail with reference to the attached drawings. However, the embodiments may be modified in various ways, and the scope of the patent application is not limited or restricted by these embodiments. It should be understood that all modifications, equivalents, or alternatives to the embodiments are included within the scope of the patent application.

[0026] Specific structural or functional descriptions of the embodiments are disclosed for illustrative purposes only and may be modified and implemented in various forms. Accordingly, the embodiments are not limited to the specific disclosed form, and the scope of this specification includes modifications, equivalents, or alternatives that fall within the technical concept.

[0027] Although terms such as "first" or "second" may be used to describe various components, these terms should be interpreted solely to distinguish one component from another. For example, a first component may be referred to as a second component, and similarly, a second component may also be referred to as a first component.

[0028] When it is said that a component is "connected" to another component, it should be understood that it may be directly connected or connected to that other component, but there may also be other components in between.

[0029] The terms used in the examples are for illustrative purposes only and should not be construed as limiting. Singular expressions include plural expressions unless the context clearly dictates otherwise. In this specification, terms such as "comprise" or "have" are intended to indicate the presence of a feature, number, step, operation, component, part, or combination thereof described in the specification, but should be understood to not preclude the presence or addition of one or more other features, numbers, steps, operations, components, parts, or combinations thereof.

[0030] Unless otherwise defined, all terms used herein, including technical or scientific terms, have the same meaning as commonly understood by a person of ordinary skill in the art to which the embodiments pertain. Terms defined in commonly used dictionaries should be interpreted as having a meaning consistent with their meaning in the context of the relevant technology, and shall not be interpreted in an idealized or overly formal sense unless explicitly defined herein.

[0031] In addition, when describing with reference to the attached drawings, identical components will be assigned the same reference numerals regardless of the drawing numbers, and redundant descriptions thereof will be omitted. When describing embodiments, if a detailed description of a related known technology is judged to unnecessarily obscure the gist of the embodiment, the detailed description will be omitted.

[0032] According to one embodiment, a method for providing reverse electronic money based on a multi-party transaction performed by a device (server) comprises the steps of: receiving transaction request information from a buyer terminal (S100); confirming whether a transaction amount corresponding to the transaction request information has been paid (S200); if the transaction amount has been paid: transmitting the transaction request information to a first seller terminal; receiving transaction completion information from the first seller terminal (S400); based on the transaction completion information and first seller virtual account information, paying first reverse electronic money in an amount equal to a first portion of the transaction amount to a first seller virtual account (S500); based on the buyer virtual account information, paying second reverse electronic money in an amount equal to a second portion of the transaction amount to a buyer virtual account (S600); based on the buyer virtual account information, paying third reverse electronic money in an amount equal to the second portion of the transaction amount to an administrator virtual account (S700); A method for providing reverse currency based on a multi-party transaction is provided, comprising: a step (S800) of receiving a withdrawal request for the first or second reverse currency; a step (S900) of transmitting a transfer request to a bank API based on the withdrawal request; and a step (S1000) of deducting the first or second reverse currency from the first seller virtual account or the buyer virtual account based on the withdrawal request; wherein the sum of the first and second portions is configured to be equal to the transaction amount, and wherein the first to third reverse currency stores: the buyer virtual account information, the first seller virtual account information, the administrator virtual account information, the transaction amount, and the transaction date and time, and wherein the payment method for the transaction amount includes: at least one of 'the fourth reverse currency in which the first seller virtual account information is stored among the second reverse currency recorded in the buyer virtual account information', cash, a card, an account transfer, a deposit without a bankbook, and digital goods.

[0033] The term 'multi-party transaction' used in the description of the present invention means a transaction between buyers and sellers within a platform available to multiple buyers, multiple sellers (first sellers, second sellers), and multiple administrators.

[0034] In the description of the present invention, the word “user” can be interpreted as referring to all of the purchasers, sellers, and administrators.

[0035] Reverse digital currency is a commodity that can be used as a means of payment in e-commerce transactions and operates based on data stored in a specified database. For example, recharging reverse digital currency with cash or a card increases the reverse digital currency balance in data terms. Payment for goods or services with reverse digital currency can decrease the balance (transfer it from one user to another).

[0036] The above virtual account information can perform certain digital identification functions.

[0037] The above digital identification can be expressed / described with various data such as letters, numbers, pictures, and 3D avatars.

[0038] According to one embodiment of the present invention, a digital identification function can be performed by transmitting and receiving information contained in a virtual account and information contained in a reverse electronic currency in packet form among a purchaser, a first seller, and an administrator, and comparing / verifying them with each other.

[0039] The above digital goods can be interpreted to include generally accepted digital currency / electronic money, digital gift certificates, points, etc.

[0040] In the step (S100) of receiving transaction request information from the above-mentioned purchaser terminal, transaction request information including which product / service to purchase, quantity, product / service information, purchaser information (unique number, address, contact information, email, virtual account address, etc.), purchase date, payment method, payment date and time, etc. is received from the purchaser terminal.

[0041] In the step (S200) of confirming whether the transaction amount corresponding to the above transaction request information has been paid, payment is requested to allow the buyer to pay the transaction amount of the product / service purchased through the buyer terminal based on various payment methods, and it is confirmed whether the buyer has completed the payment normally or has failed to do so.

[0042] In the case where the above transaction amount has been paid: In the step of transmitting the above transaction request information to the first seller terminal; if the entire transaction amount has been paid normally, the transaction request information is transmitted to the first seller terminal so that the first seller can manufacture / ship the product or perform the service, and information such as the amount of the transaction amount, who the buyer is, the payment date and time, if it is a service, when the service is due, and what the details / requirements of the service are is transmitted.

[0043] In the step (S400) of receiving transaction completion information from the first seller terminal, transaction completion information (shipping note / delivery information, service results, etc.) is received when the first seller has completed manufacturing or shipping a product, completed a service, etc.

[0044] In the step (S500) of processing payment of a first electronic currency equal to a first portion of the transaction amount to the first seller virtual account based on the above transaction completion information and the first seller virtual account information, when the delivery of the product or provision of the service is completed, the amount to be paid to the first seller based on the information is processed for payment to the first seller virtual account.

[0045] For example, if the reward provided to the buyer is 5% (second part), the first reverse cryptocurrency equivalent to (first part) of the payment amount (transaction amount) is paid to the first seller's virtual account.

[0046] In the step (S600) of paying the second reverse electronic currency in an amount equal to the second portion of the transaction amount to the buyer's virtual account based on the buyer's virtual account information, the second reverse electronic currency in an amount corresponding to the second portion (the portion of the total transaction amount excluding sales / profits earned by the first seller) provided to the buyer is paid to the buyer's virtual account.

[0047] In the step (S700) of paying the third reverse electronic currency in the same amount as the second portion of the above transaction amount to the administrator virtual account, the third reverse electronic currency in the same amount as the second portion is paid to the administrator virtual account in order to prevent the value of the second reverse electronic currency from being lost due to the insolvency of the first seller, etc., and to record / manage the transaction history of the reverse electronic currency.

[0048] Therefore, if the transaction amount is 1 million won and the reward (second part) is 5%, 950,000 won (first part) is paid to the first seller's virtual account, and 50,000 won (second part) is paid to the buyer's virtual account and the administrator's virtual account, respectively.

[0049] Here, the third-party electronic currency paid to the administrator virtual account is managed so that it cannot be used for transactions or refunded / withdrawn, and is used in cases where the value of the second-party electronic currency corresponding to the third-party electronic currency is lost, such as when the first seller goes bankrupt.

[0050] In the step (S800) of receiving a withdrawal request for the first or second reverse electronic currency, a withdrawal request (exchange or redemption) of each reverse electronic currency requested by the buyer or the first seller is received.

[0051] In the step (S900) of transmitting a transfer request to a bank API based on the above withdrawal request, a transfer request is transmitted to a bank server based on the bank API to pay / transfer cash to a bank account designated by the buyer or the first seller.

[0052] In the step (S1000) of deducting the first or second reverse digital currency from the first seller virtual account or the buyer virtual account based on the withdrawal request, after confirming whether the cash payment / transfer to the bank account has been completed, if the cash payment has been processed normally, the first or second reverse digital currency is deducted from the corresponding virtual account of the first seller or buyer.

[0053] The first to third reverse electronic currency may store: the buyer virtual account information, the first seller virtual account information, the administrator virtual account information, the transaction amount, and the transaction date and time.

[0054] Each cryptocurrencies is assigned a unique number, allowing them to be managed as individual tokens. Additional information, such as transaction information and balances, are recorded within the cryptocurrencies. If an existing cryptocurrencies exist during a transaction, transaction information and balance changes can be recorded in the existing cryptocurrencies without creating a new cryptocurrencies.

[0055] The payment method for the above transaction amount may include at least one of: 'the fourth reverse electronic currency in which the first seller virtual account information is stored among the second reverse electronic currency recorded in the buyer virtual account information', cash, card, account transfer, and bank transfer.

[0056] In other words, transaction amounts can be processed / managed using common transaction methods such as cash, cards, bank transfers, bank deposits, and digital goods, and part or all of the transaction amount can be paid using the fourth-party digital currency.

[0057] Here, the fourth reverse electronic currency refers to the second reverse electronic currency generated from a transaction with the first seller who is currently processing the transaction among the various second reverse electronic currency (second reverse electronic currency generated from transactions with each of several different sellers) held by a buyer.

[0058] Therefore, the second-tier cryptocurrency can only be used for transactions between existing transaction parties (buyer-first seller).

[0059] In addition, in the buyer virtual account information: one or more buyer available IP addresses and buyer contact information are stored, in the first seller virtual account information: one or more first seller available IP addresses, first seller contact information, and whether or not it is inactive are stored, in the first reverse electronic money: a first seller country code, a first seller unique number, and a first seller terminal IP address are further stored, and in the second reverse electronic money: a buyer country code, a buyer unique number, and a buyer terminal IP address are further stored, and the step (S200) of confirming whether payment of the transaction amount corresponding to the transaction request information is made includes: a step of confirming whether the IP address of the transaction request terminal recorded in the transaction request information matches any one of the buyer available IP addresses; a step of disallowing the transaction when the IP address of the transaction request terminal recorded in the transaction request information does not match any one of the buyer available IP addresses; And if the IP address of the transaction request terminal recorded in the transaction request information matches any one of the available IP addresses of the buyer: a step of allowing the transaction; and the step of disallowing the transaction includes: a step of transmitting transaction failure information to the buyer contact information and the first seller contact information; and the step of allowing the transaction includes: a step of requesting payment for the transaction amount to the buyer terminal; and the payment method for the transaction amount further includes: 'the fifth reverse electronic currency in which the inactivity of the first seller virtual account information among the second reverse electronic currency is inactive', and the step (S500) of paying the first reverse electronic currency to the first seller virtual account includes: a step of: if the transaction amount includes the fourth reverse electronic currency or the fifth reverse electronic currency: a step of paying the sixth reverse electronic currency, which is the same amount as the fourth reverse electronic currency or the fifth reverse electronic currency included in the transaction amount, from the administrator virtual account to the seller virtual account;And if the transaction amount includes the fourth or fifth reverse electronic currency: a step of deducting the sixth reverse electronic currency from the administrator virtual account;

[0060] The above available IP addresses refer to IP addresses designated by the buyer or primary seller, and can be used to conduct transactions. Transaction / payment requests from IP addresses other than those available will be rejected, preventing transaction / withdrawal requests resulting from hacking or other threats.

[0061] Meanwhile, according to one embodiment of the present invention, configurations including an 'IP address' may be replaced with a 'MAC address' or may be implemented in a form including both an IP address and a MAC address.

[0062] The above inactivity may be a Boolean value indicating a state in which the use of the second reverse electronic currency becomes impossible due to the first seller's insolvency or other reasons, such as the first seller permanently ceasing operations within the platform.

[0063] In the step of checking whether the IP address of the transaction request terminal recorded in the above transaction request information matches any one of the above available IP addresses of the buyer, the IP address of the buyer terminal that sent the transaction request information is compared with the available IP address of the buyer registered in the standard, and it is checked whether the IP of the terminal that requested the transaction is an IP that can be traded.

[0064] The step of disallowing the above transaction may include: a step of sending transaction failure information to the buyer contact information and the first seller contact information; and may inform the user that a transaction request has been made from an incorrect IP address, thereby making the user aware that a hacking attempt or similar act has occurred.

[0065]

[0066] *In one embodiment, a MAC address may be used instead of an IP address, or transactions may be performed using both an IP address and a MAC address.

[0067] MAC address stands for "Media Access Control" and is an address that uniquely identifies a network device.

[0068] These MAC addresses are assigned to network devices such as network cards or network interface cards (NICs). These addresses are used at the data link layer and are primarily required for communication on wired and wireless networks such as Ethernet and Wi-Fi.

[0069] MAC addresses are typically 48 bits (6 bytes) long and are expressed in hexadecimal format, for example, “00:1A:2B:3C:4D:5E”.

[0070] Each MAC address is divided into two parts: the OUI and the NIC unique identifier.

[0071] OUI stands for "Organizationally Unique Identifier." The first 24 bits (3 bytes) of the MAC address are a unique identifier that identifies the manufacturer. This identifier can be used to determine which company manufactured a network device.

[0072] The NIC Unique Identifier is the remaining 24 bits (3 bytes) and is a unique identifier assigned by the manufacturer that is used to identify a specific device.

[0073] MAC addresses are used by network devices to transmit and receive data on the network and to identify other devices. These addresses are physically assigned to the hardware and are usually fixed. However, some devices allow the MAC address to be changed through software.

[0074] Unlike IP addresses, MAC addresses are primarily used at the data link layer, but they can work in conjunction with IP addresses used at the network layer to control network communications.

[0075] In one embodiment, the reliability of reverse cryptocurrency transactions can be significantly improved by using MAC addresses instead of IP addresses, or by performing transactions using both IP addresses and MAC addresses.

[0076] In the step of requesting payment for the transaction amount to the above-mentioned buyer terminal, the transaction amount is paid based on the above-mentioned transaction means, etc.

[0077] At this time, the payment method for the transaction amount may further include: 'the fifth inactive ...

[0078] In other words, the buyer can pay part / all of the transaction amount not with the first seller with whom the buyer wishes to transact, but with the second electronic currency linked to another second seller with whom the buyer previously transacted but who has become unable to use the second electronic currency due to bankruptcy or other reasons, i.e., the fifth electronic currency.

[0079] A portion of the buyer's payment, typically paid in cash or other forms, may be processed as a second payment to the administrator's virtual account, temporarily stored, and then paid to the first seller during the payment process described above. In other words, a portion of the transaction amount paid / recharged by the buyer may be temporarily held by the administrator and then paid to the first seller.

[0080] In this process, the first seller can receive the full amount of the transaction amount he is entitled to.

[0081] Here, if the buyer withdraws the second reverse electronic currency, the amount has already been deducted from the buyer's virtual account, thus preventing double payment.

[0082] The step (S500) of processing payment of the first reverse electronic currency to the first seller's virtual account includes: when the transaction amount includes the fourth reverse electronic currency (the second reverse electronic currency generated from a transaction with the first seller among the second reverse electronic currency held by the buyer) or the fifth reverse electronic currency (the second reverse electronic currency that has become unusable for the second seller due to the second seller's bankruptcy, etc.): a step of processing payment of the sixth reverse electronic currency, in an amount equal to the fourth or fifth reverse electronic currency included in the transaction amount, from the administrator's virtual account to the seller's virtual account; and a step of deducting the sixth reverse electronic currency from the administrator's virtual account when the transaction amount includes the fourth or fifth reverse electronic currency; so that when the buyer pays part / all of the amount with the second reverse electronic currency, the transaction amount can be normally processed for payment to the first seller.

[0083] Here, as described above, the fourth or fifth reverse electronic currency is also paid / deducted from the purchaser's virtual account.

[0084] And, the step (S500) of processing payment of the first reverse electronic currency to the first seller virtual account includes: if there is no first reverse electronic currency corresponding to the buyer virtual account information and the first seller virtual account information: issuing a new first reverse electronic currency; recording the transaction completion information in the first reverse electronic currency and updating the balance of the first reverse electronic currency; and updating and storing a first token that encrypts a copy of the first reverse electronic currency in the first seller terminal; and the step (S600) of processing payment of the second reverse electronic currency to the buyer virtual account includes: if there is no second reverse electronic currency corresponding to the buyer virtual account information and the first seller virtual account information: issuing a new second reverse electronic currency; recording the transaction completion information in the second reverse electronic currency and updating the balance of the second reverse electronic currency. And a step of updating and storing a second token that encrypts a copy of the second reverse electronic currency in the buyer terminal; and a step (S700) of processing payment of the third reverse electronic currency to an administrator virtual account: if a third reverse electronic currency corresponding to the buyer virtual account information and the first seller virtual account information does not exist: a step of newly issuing a third reverse electronic currency; a step of recording the transaction completion information in the third reverse electronic currency and updating the balance of the third reverse electronic currency; and a step of updating and storing a third token that encrypts a copy of the third reverse electronic currency in the administrator terminal; and a step (S200) of confirming whether payment of the transaction amount corresponding to the transaction request information has been made: a step (S201) of receiving the first token from the first seller terminal; a step (S202) of receiving the second token from the buyer terminal; a step (S203) of receiving the third token from the administrator terminal; a step (S204) of confirming whether the first token and the third token match;If the first to third tokens do not match: a step of disallowing the transaction (S205); and if the first to third tokens match: a step of allowing the transaction (S206); wherein the step of disallowing the transaction includes: a step of transmitting transaction failure information to the buyer contact information and the first seller contact information; and the step of allowing the transaction may include: a step of requesting payment for the transaction amount from the buyer terminal;

[0085] In the case where there is no first reverse electronic currency corresponding to the above-mentioned buyer virtual account information and the above-mentioned first seller virtual account information: In the step of newly issuing the first reverse electronic currency, if the transaction between the buyer and the first seller is the first, the first reverse electronic currency (token) is newly created.

[0086] In the step of recording the transaction completion information in the first reverse electronic currency and updating the balance of the first reverse electronic currency, information such as transaction details (who the transaction was with, how much the transaction amount (transaction price, first part) was, when the transaction was made, what the transaction object (goods, services) is, etc.) is recorded in the first reverse electronic currency, and the balance of the first reverse electronic currency is increased or decreased.

[0087] In the step of updating and storing a first token encrypted with a copy of the first reverse electronic currency in the first seller terminal, after the transaction is completed, the first token encrypted with a copy of the first reverse electronic currency (token) in an updated state is updated and stored in the first seller terminal. In other words, if there is an old first token previously stored in the first seller terminal, the old first token is deleted and a new first token is stored, and if there is no first token previously stored in the first seller terminal, a new first token is stored.

[0088] If there is no second reverse electronic currency corresponding to the above-mentioned buyer virtual account information and the above-mentioned first seller virtual account information: the steps of newly issuing a second reverse electronic currency; recording the transaction completion information in the second reverse electronic currency and updating the balance of the second reverse electronic currency; and updating and storing a second token that is an encrypted copy of the second reverse electronic currency in the buyer terminal; can be processed in the same manner as the above-mentioned updating and token storage process for the first reverse electronic currency.

[0089] The step (S700) of processing payment of the third reverse electronic currency to the administrator virtual account includes: if there is no third reverse electronic currency corresponding to the buyer virtual account information and the first seller virtual account information: the step of newly issuing the third reverse electronic currency; the step of recording the transaction completion information in the third reverse electronic currency and updating the balance of the third reverse electronic currency; and the step of updating and storing a third token that is an encrypted copy of the third reverse electronic currency in the administrator terminal; can be processed in the same manner as the update and token storage process for the first reverse electronic currency and the second reverse electronic currency described above.

[0090] The step (S200) of confirming whether payment of the transaction amount corresponding to the above transaction request information has been made may include: a step (S201) of receiving the first token from the first seller terminal; a step (S202) of receiving the second token from the buyer terminal; a step (S203) of receiving the third token from the administrator terminal; and a step (S204) of confirming whether the first token and the third token match.

[0091] Here, the step (S204) of confirming whether the first to third tokens match is a procedure for confirming whether each of the first to third tokens corresponds to each of the first to third reverse electronic money, and does not compare the first to third tokens with each other.

[0092] Based on this process, the platform / system according to one embodiment of the present invention can have security similar to a blockchain or distributed ledger.

[0093] Blockchain consumes a lot of time and cost (electricity, etc.) to process and record transactions, but in one embodiment of the present invention, data processing is performed only on each terminal and device (server), so the time can be greatly shortened, and since data is verified based on multiple terminals / devices, transactions can be performed safely from hacking of a single terminal / device.

[0094] In addition, the step (S200) of confirming whether payment of the transaction amount corresponding to the transaction request information has been made includes: the step of receiving a first image from the buyer terminal; the step of processing the buyer's identity verification based on the first image; the step of disallowing the transaction if the buyer's identity verification fails; and the step of allowing the transaction if the buyer's identity verification succeeds; wherein the step of disallowing the transaction includes: the step of transmitting transaction failure information to the buyer's contact information and the first seller's contact information; and the step of allowing the transaction includes: the step of requesting payment of the transaction amount to the buyer terminal; wherein the buyer terminal includes: a projection device that projects predetermined image information; and a camera arranged to capture an image in the same direction as a projection direction of the projection device; and wherein the buyer terminal includes: the step (S1) of reading a first random number table pre-designated for each buyer's unique number; the step (S2) of generating a first timestamp based on a current time; the step (S3) of selecting a random number value from the first random number table based on the first timestamp and extracting a first code; The method may be controlled according to the steps of: (S4) inputting the first code into a predetermined hash function to generate a second code; (S5) extracting the first four letters of the second code to generate a third code; (S6) capturing a first image with the camera; (S7) determining a placement position of the third code based on the first image; (S8) projecting the third code with the projection device; (S9) capturing a second image with the camera; (S10) capturing a frame in which a human object and the third code are recognized from the second image to generate the first image; and (S10) transmitting the first image to the device.

[0095] The above purchaser terminal may include: a projection device that projects predetermined image information; and a camera positioned to capture an image in the same direction as the projection direction of the projection device.

[0096] Here, the purchaser terminal may be configured to include a predetermined projection device (beam projector, etc.) as a smart device or a separately manufactured device.

[0097] In the step of reading the first random number table assigned to each buyer's unique number, the first random number table assigned to each buyer's unique number and stored in each buyer terminal and device is read.

[0098] In the step of generating a first timestamp based on the current time; and the step of extracting a first code by selecting a random number value from the first random number table based on the first timestamp; the first code, which is one of a plurality of random number values ​​written in the first random number table, is extracted based on the current time.

[0099] In the step of generating a second code by inputting the first code into a predetermined hash function; and the step of generating a third code by extracting the first four characters of the second code; the first code is converted based on the hash function to generate a second code, and the third code is generated by extracting only the first four characters of the second code.

[0100] In the step of capturing a first image with the camera; and the step of determining a placement position of the third code based on the first image; the position of a human object is recognized from the first image captured by the camera, and based on that, the position at which the third code is to be placed in an image to be projected by a projection device is determined.

[0101] In the step of projecting the third code with the above projection device; and the step of capturing a second image with the camera; the third code is projected so as to overlap with the human object, and the state is captured to generate a second image.

[0102] In the step of generating the first image by capturing a frame in which a human object and the third code are recognized from the second image; and the step of transmitting the first image to the device; the first image is generated by capturing a frame in which both a human object and the third code are recognized from the second image taken for a certain period of time, and the generated first image is transmitted to the device (server).

[0103] The device (server) can analyze the first image received to determine whether the buyer is authenticated.

[0104] In addition, the step of determining the arrangement position of the third code may include: a step of capturing a frame in which a human face object and a human upper body object are recognized from the first image to generate a second image; a step of recognizing a human cheek object from the second image; a step of calculating an area of ​​the cheek object; a step of calculating a first coordinate that is a center position of the cheek object; a step of extracting first regions from the human upper body object; a step of extracting a second region that is a first region with a largest area among the first regions; and a step of calculating a second coordinate that is a center position of the second region; and the step of determining the arrangement position of the third code may include: a step of drawing a predetermined first rectangle so as to be 70% of the area of ​​the cheek object; a step of placing a third code at the first coordinate so as to correspond to the size of the first rectangle; a step of drawing a predetermined second rectangle so as to be 70% of the area of ​​the second region; and a step of placing a third code at the second coordinate so as to correspond to the size of the second rectangle.

[0105] In the step of generating a second image by capturing a frame in which a human face object and a human upper body object are recognized from the first image, the first image captured for a predetermined period of time is tracked, and a frame in which both a human face object and a human upper body object are recognized is captured to generate a second image.

[0106] To this end, a predetermined guideline may be displayed on the purchaser terminal to guide the purchaser to the correct location.

[0107] A third code can be projected onto the center position (first coordinate) of the cheek of the person, including the steps of recognizing a cheek object of the person from the second image; calculating an area of ​​the cheek object; and calculating a first coordinate which is a center position of the cheek object.

[0108] The third code can be projected onto the widest point among the parts of the upper body of the person with uniform clothing patterns / colors, including the steps of: extracting first regions from the upper body of the person; extracting a second region, which is the first region with the largest area among the first regions; and calculating a second coordinate, which is the center position of the second region.

[0109] The step of determining the placement position of the third code includes: a step of drawing a first rectangle to be 70% of the area of ​​the cheek object; a step of placing the third code at the first coordinates so as to correspond to the size of the first rectangle; a step of drawing a second rectangle to be 70% of the area of ​​the second region; and a step of placing the third code at the second coordinates so as to correspond to the size of the second rectangle; according to which the third code can be placed so that the projected third code does not deviate from the corresponding point even if the human object moves from the initial position.

[0110] And, the step of extracting the first regions includes: a first extraction step of extracting a first color code for each pixel constituting the human upper body object; a second extraction step of calculating an occurrence frequency for each of the extracted first color codes; a second extraction step of sorting the first color codes in descending order based on the occurrence frequency; a third extraction step of dividing the human upper body object into predetermined first grids; a fourth extraction step of calculating a second color code, which is an average value of the first color codes of pixels located inside the first grid, for each of the first grids; a fifth extraction step of extracting a second grid having the highest similarity to a 'third color code having the highest occurrence frequency among the first color codes' based on the second color codes and adding the second grid to a grid list; a sixth extraction step of extracting fourth grids that are not included in the grid list among third grids located above, below, to the left and right of the second grid; A seventh extraction step of extracting a fifth grid having the highest similarity to the third color code among the fourth grids based on the second color codes; If the 'similarity between the second color code of the fifth grid and the third color code' is equal to or greater than a predetermined threshold: an eighth extraction step of adding the fifth grid to a grid list; If the 'similarity between the second color code of the fifth grid and the third color code' is equal to or greater than a predetermined threshold: a ninth extraction step of repeating the sixth to eighth extraction steps for third grids located above, below, left, and right of the fifth grid; If the 'similarity between the second color code of the fifth grid and the third color code' is less than a predetermined threshold: a tenth extraction step of merging grids included in the grid list and designating them as a first region; Based on the above second color codes, an 11th extraction step of extracting the second grid having the highest similarity to the 'third color code having the nth highest frequency of appearance among the first color codes' (n is a set consisting of natural numbers greater than or equal to 2 and less than or equal to 10) and adding it to the grid list;And a twelfth extraction step repeating the sixth to tenth extraction steps; and the step of projecting the third code with the projection device may include: a step of extracting a fourth color code for each pixel constituting the second area; a step of calculating a fifth color code which is an average value of the fourth color codes; a step of calculating a sixth color code which is a complementary color of the fifth color code based on the fifth color code; and a step of designating the font color of the third code as the sixth color code.

[0111] In the first extraction step of extracting a first color code for each pixel constituting the upper body object of the person, the first color code, which is a color code of each pixel included in the upper body object of the person, is extracted based on the second image.

[0112] For example, if the upper body object of the person above is composed of 10,000 pixels, 10,000 first color codes are extracted.

[0113] A color code is a value recorded in the form of #223344, and can mean a code in which the intensity of each RGB color is recorded in hexadecimal.

[0114] In the second extraction step of calculating the frequency of occurrence for each of the extracted first color codes, the frequency of occurrence is calculated to indicate how many times the same first color codes appear among the extracted first color codes.

[0115] For example, among 10,000 first color codes, the color code #44242D can be calculated to have an appearance frequency of 1604 times.

[0116] In the second extraction step of sorting the first color codes in descending order based on the above-mentioned frequency of appearance, a list with duplicates of each first color code removed can be sorted based on the frequency of appearance.

[0117] In the third extraction step of dividing the human upper body object into predetermined first grids, the human upper body object can be divided into a plurality of first grids by dividing it into a mesh form.

[0118] In the fourth extraction step of calculating a second color code, which is an average value of the first color codes of pixels located inside the first grid, for each of the first grids, an average value of the first color codes of all pixels located inside the first grid is calculated.

[0119] In the fifth extraction step, based on the second color codes, the second grid having the highest similarity to the 'third color code having the highest frequency of appearance among the first color codes' is extracted and added to the grid list; the second grid having the second color code, which is the average value of the first color codes of the first grids, most similar to the third color code is extracted and added to the grid list.

[0120] In other words, the first grid similar to the third color code with the highest frequency of appearance among the first grids is extracted as the second grid.

[0121] In the sixth extraction step of extracting fourth grids that are not included in the grid list among the third grids located above, below, left, and right of the second grid, only the fourth grids that are not included in the grid list among the third grids located above, below, left, and right of the previously extracted second grid are extracted.

[0122] In the seventh extraction step of extracting the fifth grid having the highest similarity to the third color code among the fourth grids based on the second color codes, the fifth grid having the highest similarity to the third color code among the fourth grids is extracted.

[0123] In the 8th extraction step of adding the fifth grid to the grid list when the 'similarity between the second color code and the third color code of the fifth grid' is greater than or equal to a predetermined standard value: the fifth grid is added to the grid list only when the similarity of the fifth grid is greater than or equal to a preset standard value.

[0124] In the case where the 'similarity between the second color code of the fifth grid and the third color code' is greater than a predetermined reference value: in the ninth extraction step of repeating the sixth to eighth extraction steps for third grids located above, below, left, and right of the fifth grid; the sixth to eighth extraction steps are repeated for other third grids adjacent to the fifth grids having similarity greater than the reference value, thereby updating the grid list.

[0125] At this time, the 9th extraction step is not performed on the third grid that has gone through the 6th to 8th extraction steps.

[0126] In the case where the 'similarity between the second color code of the fifth grid and the third color code' is less than a predetermined standard value: In the 10th extraction step of merging grids included in the grid list and designating them as the first region, all fifth grids having a similarity greater than or equal to the standard value are extracted, and then grids included in the grid list are merged and designated as the first region.

[0127] Based on the second color codes, the eleventh extraction step extracts the second grid having the highest similarity to the 'third color code having the nth highest frequency of appearance among the first color codes' (n is a set of natural numbers greater than or equal to 2 and less than or equal to 10) and adds it to the grid list; and the twelfth extraction step repeating the sixth to tenth extraction steps; in the same manner as the above-described process, a grid list is generated for a plurality of first color codes having different frequency of appearance, and first regions are generated based on the grid list.

[0128] Accordingly, a plurality of first areas are created according to the frequency of appearance, and each first area includes a plurality of first color codes with a high frequency of appearance.

[0129] Accordingly, the first regions can be derived in the form of a predetermined shape composed of pixels with similar colors.

[0130] The step of projecting the third code with the above-mentioned projection device includes: a step of extracting a fourth color code for each pixel constituting the second area; a step of calculating a fifth color code which is an average value of the fourth color codes; a step of calculating a sixth color code which is a complementary color of the fifth color code based on the fifth color code; and a step of designating a font color of the third code as the sixth color code; wherein, by designating the font color of the third code to be projected by the projection device as a complementary color of the color of the projection point, the third code can be more clearly identified from an image captured by a camera.

[0131] In one embodiment, the step of processing the buyer's identity authentication includes comparing the buyer's location information provided to the seller with the buyer's actual location information and processing the authentication if they match.

[0132] Specifically, the seller may be configured to approve the authentication step if the seller maintains the location information or a series of location information change history that the buyer has provided by consent and the buyer's real-time location information identified by GPS-based or Wi-Fi-based location services matches the information.

[0133] This improves the reliability of identity verification and ensures safe transactions.

[0134] In one embodiment, the step of processing the seller's identity verification includes comparing the seller's location information provided to the buyer with the seller's actual location information and processing the verification if they match.

[0135] Specifically, the buyer may be configured to approve the authentication step if the seller's real-time location information, as determined by GPS-based or Wi-Fi-based location services, matches the location information or a history of location information changes provided by the seller through consent.

[0136] This improves the reliability of identity verification and ensures safe transactions.

[0137] According to one embodiment, a device for providing reverse electronic money based on a multi-party transaction that communicates with a buyer terminal, a first seller terminal, and an administrator terminal through wired or wireless communication comprises the steps of: receiving transaction request information from the buyer terminal; confirming whether a transaction amount corresponding to the transaction request information has been paid; if the transaction amount has been paid: transmitting the transaction request information to the first seller terminal; receiving transaction completion information from the first seller terminal; paying a first reverse electronic money amount equal to a first portion of the transaction amount to the first seller virtual account based on the transaction completion information and first seller virtual account information; paying a second reverse electronic money amount equal to a second portion of the transaction amount to the buyer virtual account based on the buyer virtual account information; paying a third reverse electronic money amount equal to the second portion of the transaction amount to the administrator virtual account; receiving a withdrawal request for the first reverse electronic money or the second reverse electronic money; transmitting a transfer request to a bank API based on the withdrawal request; And a step of deducting the first reverse electronic currency or the second reverse electronic currency from the first seller virtual account or the buyer virtual account based on the withdrawal request; and the sum of the first part and the second part is configured to be equal to the transaction amount, and in the first reverse electronic currency to the third reverse electronic currency: the buyer virtual account information, the first seller virtual account information, the administrator virtual account information, the transaction amount, and the transaction date and time are stored, and the payment method of the transaction amount includes: at least one of 'the fourth reverse electronic currency in which the first seller virtual account information is stored among the second reverse electronic currency recorded in the buyer virtual account information', cash, card, account transfer, bank transfer, and digital goods, and a device (server) for providing reverse electronic currency based on a multi-party transaction is provided.

[0138] The device for providing reverse electronic money based on the above multilateral transaction may be applied to the embodiments of the method for providing reverse electronic money based on the above multilateral transaction.

[0139] The embodiments described above may be implemented using hardware components, software components, and / or a combination of hardware components and software components. For example, the devices, methods, and components described in the embodiments may be implemented using one or more general-purpose computers or special-purpose computers, such as, for example, a processor, a controller, an arithmetic logic unit (ALU), a digital signal processor, a microcomputer, a field programmable gate array (FPGA), a programmable logic unit (PLU), a microprocessor, or any other device capable of executing instructions and responding to them. The processing device may execute an operating system (OS) and one or more software applications running on the operating system. The processing device may also access, store, manipulate, process, and generate data in response to the execution of the software. For ease of understanding, the processing device is sometimes described as being used alone; however, one of ordinary skill in the art will recognize that the processing device may include multiple processing elements and / or multiple types of processing elements. For example, a processing unit may include multiple processors, or a processor and a controller. Other processing configurations, such as parallel processors, are also possible.

[0140] The method according to the embodiment may be implemented in the form of program commands that can be executed through various computer means and recorded on a computer-readable medium. The computer-readable medium may include program commands, data files, data structures, etc., alone or in combination. The program commands recorded on the medium may be those specially designed and configured for the embodiment or may be those known and available to those skilled in the art of computer software. Examples of the computer-readable recording medium include magnetic media such as hard disks, floppy disks, and magnetic tapes, optical media such as CD-ROMs and DVDs, magneto-optical media such as floptical disks, and hardware devices specially configured to store and execute program commands, such as ROMs, RAMs, and flash memories. Examples of the program commands include not only machine language codes generated by a compiler, but also high-level language codes that can be executed by a computer using an interpreter, etc. The hardware devices described above may be configured to operate as one or more software modules to perform the operations of the embodiment, and vice versa.

[0141] Software may include a computer program, code, instructions, or a combination of one or more of these, and may configure a processing device to perform a desired operation or, independently or collectively, command the processing device. The software and / or data may be permanently or temporarily embodied in any type of machine, component, physical device, virtual equipment, computer storage medium or device, or transmitted signal wave, for interpretation by the processing device or for providing instructions or data to the processing device. The software may also be distributed over networked computer systems and stored or executed in a distributed manner. The software and data may be stored on one or more computer-readable recording media.

[0142] Although the embodiments described above have been described with limited drawings, those skilled in the art will appreciate that various technical modifications and variations can be applied based on the above. For example, appropriate results can still be achieved even if the described techniques are performed in a different order than described, and / or components of the described systems, structures, devices, circuits, etc. are combined or combined in a different manner than described, or are replaced or substituted with other components or equivalents.

[0143] Therefore, other implementations, other embodiments, and equivalents to the claims also fall within the scope of the claims described below.

Claims

1. A method for providing reverse electronic money based on multilateral transactions performed by a device, A step of receiving transaction request information from a buyer terminal; A step for confirming whether payment of the transaction amount corresponding to the above transaction request information has been made; When the above transaction amount is paid: a step of transmitting the above transaction request information to the first seller terminal; A step of receiving transaction completion information from the first seller terminal; A step of processing payment of a first electronic currency equal to the first portion of the transaction amount to the first seller virtual account based on the above transaction completion information and the first seller virtual account information; A step of paying a second electronic currency equal to the amount of the second portion, which is the amount obtained by deducting the first portion from the transaction amount, to the buyer's virtual account based on the buyer's virtual account information; A step of processing payment of a third electronic currency of the same amount as the second part to the administrator virtual account; A step of receiving a withdrawal request for the first or second reverse electronic currency; A step of sending a transfer request to a bank API based on the above withdrawal request; and A step of deducting the first reverse electronic currency or the second reverse electronic currency from the first seller virtual account or the buyer virtual account based on the withdrawal request; The sum of the first and second parts is configured to be equal to the transaction amount, The first to third reverse electronic currency mentioned above are: The above buyer virtual account information, first seller virtual account information, administrator virtual account information, transaction amount, and transaction date and time are stored. Payment methods for the above transaction amount include: 'Among the second reverse electronic currency recorded in the above buyer virtual account information, the fourth reverse electronic currency, which is the second reverse electronic currency in which the first seller virtual account information is stored' is included, At least one of cash, card, bank transfer, bank deposit, and digital goods is included. Payment of transaction amount based on the above 4th reverse electronic currency is possible only for the 'first seller corresponding to the transaction for which the above 4th reverse electronic currency was paid', The above buyer virtual account information includes: One or more available buyer IP addresses and buyer contact details are stored, The above first seller virtual account information includes: One or more primary seller available IP addresses, primary seller contact information and inactivity are stored, The steps to check whether the transaction amount corresponding to the above transaction request information has been paid are: A step of checking whether the IP address of the transaction request terminal recorded in the above transaction request information matches any one of the available IP addresses of the buyer; If the IP address of the transaction request terminal recorded in the above transaction request information does not match any of the available IP addresses of the buyer: a step of disallowing the transaction; and If the IP address of the transaction request terminal recorded in the above transaction request information matches any one of the available IP addresses of the buyer: a step of allowing the transaction; Steps to disallow the above transaction are: A step of transmitting transaction failure information to the above buyer contact information and the first seller contact information; The steps to allow the above transaction are: A step of requesting payment for the transaction amount to the buyer terminal; Payment methods for the above transaction amount include: Among the above second reverse electronic currency, the fifth reverse electronic currency, which is a second reverse electronic currency that is inactive, is further included, in which the second seller corresponding to the transaction for which the second reverse electronic currency was paid is inactive. Payment of transaction amount is possible based on the above 5th electronic currency for the above 1st seller, The steps for processing the payment of the above first reverse electronic currency to the first seller virtual account are: If the transaction amount includes the fourth or fifth reverse electronic currency: a step of processing payment of the sixth reverse electronic currency in an amount equal to the fourth or fifth reverse electronic currency included in the transaction amount from the administrator virtual account to the first seller virtual account; and In the case where the transaction amount includes the fourth or fifth reverse electronic currency: a step of deducting the sixth reverse electronic currency from the administrator virtual account; The above first to sixth reverse electronic currency are: goods that operate based on data stored in a predetermined database and can be used as a means of payment in electronic commerce. A method for providing a reverse electronic currency based on multilateral transactions.

2. In a method for providing reverse electronic money based on multilateral transactions performed by a device, A step of receiving transaction request information from a buyer terminal; A step for confirming whether payment of the transaction amount corresponding to the above transaction request information has been made; When the above transaction amount is paid: a step of transmitting the above transaction request information to the first seller terminal; A step of receiving transaction completion information from the first seller terminal; A step of processing payment of a first electronic currency equal to the first portion of the transaction amount to the first seller virtual account based on the above transaction completion information and the first seller virtual account information; A step of paying a second electronic currency equal to the amount of the second portion, which is the amount obtained by deducting the first portion from the transaction amount, to the buyer's virtual account based on the buyer's virtual account information; A step of processing payment of a third electronic currency of the same amount as the second part to the administrator virtual account; A step of receiving a withdrawal request for the first or second reverse electronic currency; A step of sending a transfer request to a bank API based on the above withdrawal request; and A step of deducting the first reverse electronic currency or the second reverse electronic currency from the first seller virtual account or the buyer virtual account based on the withdrawal request; The sum of the first and second parts is configured to be equal to the transaction amount, The first to third reverse electronic currency mentioned above are: The above buyer virtual account information, first seller virtual account information, administrator virtual account information, transaction amount, and transaction date and time are stored. The above buyer virtual account information includes: One or more available buyer IP addresses and buyer contact details are stored, Payment methods for the above transaction amount include: 'Among the second reverse electronic currency recorded in the above buyer virtual account information, the fourth reverse electronic currency, which is the second reverse electronic currency in which the first seller virtual account information is stored' is included, At least one of cash, card, bank transfer, bank deposit, and digital goods is included. Payment of transaction amount based on the above 4th reverse electronic currency is possible only for the 'first seller corresponding to the transaction for which the above 4th reverse electronic currency was paid', The steps for processing the payment of the above first reverse electronic currency to the first seller virtual account are: If there is no first reverse electronic currency corresponding to the above buyer virtual account information and the above first seller virtual account information: a step of newly issuing the first reverse electronic currency; A step of recording the transaction completion information in the first reverse electronic currency and updating the balance of the first reverse electronic currency; and A step of updating and storing a first token that encrypts a copy of the first electronic currency in the first seller terminal; The steps for processing the payment of the above second reverse electronic currency to the buyer's virtual account are: If there is no second reverse electronic currency corresponding to the above buyer virtual account information and the above first seller virtual account information: a step of newly issuing a second reverse electronic currency; A step of recording the transaction completion information in the second reverse electronic currency and updating the balance of the second reverse electronic currency; and A step of updating and storing a second token that encrypts a copy of the second reverse electronic currency in the purchaser terminal; The steps for processing the payment of the above third-party electronic currency to the administrator virtual account are: If there is no third reverse electronic currency corresponding to the above buyer virtual account information and the above first seller virtual account information: a step of newly issuing a third reverse electronic currency; A step of recording the transaction completion information in the third electronic currency and updating the balance of the third electronic currency; and A step of updating and storing a third token that encrypts a copy of the third electronic currency on an administrator terminal; The steps to check whether the transaction amount corresponding to the above transaction request information has been paid are: A step of receiving the first token from the first seller terminal; A step of receiving the second token from the purchaser terminal; A step of receiving the third token from the administrator terminal; A step of checking whether the first to third tokens match; If the first to third tokens do not match: a step of disallowing the transaction; and If the first to third tokens match, the step of allowing the transaction is included; Steps to disallow the above transaction are: A step of transmitting transaction failure information to the above buyer contact information and the first seller contact information; The steps to allow the above transaction are: A step of requesting payment for the transaction amount to the buyer terminal; The above first to fourth reverse electronic money are: goods that operate based on data stored in a predetermined database and can be used as a means of payment in electronic commerce. Method of providing a reverse electronic currency based on multilateral transactions 3. In a method for providing reverse electronic money based on multilateral transactions performed by a device, A step of receiving transaction request information from a buyer terminal; A step for confirming whether payment of the transaction amount corresponding to the above transaction request information has been made; When the above transaction amount is paid: a step of transmitting the above transaction request information to the first seller terminal; A step of receiving transaction completion information from the first seller terminal; A step of processing payment of a first electronic currency equal to the first portion of the transaction amount to the first seller virtual account based on the above transaction completion information and the first seller virtual account information; A step of paying a second electronic currency equal to the amount of the second portion, which is the amount obtained by deducting the first portion from the transaction amount, to the buyer's virtual account based on the buyer's virtual account information; A step of processing payment of a third electronic currency of the same amount as the second part to the administrator virtual account; A step of receiving a withdrawal request for the first or second reverse electronic currency; A step of sending a transfer request to a bank API based on the above withdrawal request; and A step of deducting the first reverse electronic currency or the second reverse electronic currency from the first seller virtual account or the buyer virtual account based on the withdrawal request; The sum of the first and second parts is configured to be equal to the transaction amount, The first to third reverse electronic currency mentioned above are: The above buyer virtual account information, first seller virtual account information, administrator virtual account information, transaction amount, and transaction date and time are stored. The above buyer virtual account information includes: One or more available buyer IP addresses and buyer contact details are stored, Payment methods for the above transaction amount include: 'Among the second reverse electronic currency recorded in the above buyer virtual account information, the fourth reverse electronic currency, which is the second reverse electronic currency in which the first seller virtual account information is stored' is included, At least one of cash, card, bank transfer, bank deposit, and digital goods is included. Payment of transaction amount based on the above 4th reverse electronic currency is possible only for the 'first seller corresponding to the transaction for which the above 4th reverse electronic currency was paid', The steps to check whether the transaction amount corresponding to the above transaction request information has been paid are: A step of receiving a first image from the purchaser terminal; A step of processing the purchaser's identity verification based on the first image; If the above buyer's identity verification fails: Steps to disallow the transaction; and If the identity verification for the above buyer is successful: a step for allowing the transaction; Steps to disallow the above transaction are: A step of transmitting transaction failure information to the above buyer contact information and the first seller contact information; The steps to allow the above transaction are: A step of requesting payment for the transaction amount to the buyer terminal; The above buyer terminal is: A projection device that projects a predetermined image information; and A camera positioned to photograph in the same direction as the projection direction of the above projector; The above buyer terminal is: A step of reading the first random number table assigned to each buyer's unique number; Step of generating a first timestamp based on the current time; A step of extracting a first code by selecting a random value from the first random number table based on the first timestamp; A step of generating a second code by inputting the first code into a predetermined hash function; A step of generating a third code by extracting the first four letters of the second code; A step of shooting a first image with the above camera; A step of determining the placement location of the third code based on the first image; A step of projecting the third code using the above projection device; A step of shooting a second image with the above camera; A step of generating the first image by capturing a frame in which a human object and the third code are recognized from the second image; and The step of transmitting the first image to the device is controlled according to the step; The above first to fourth reverse electronic money are: goods that operate based on data stored in a predetermined database and can be used as a means of payment in electronic commerce. A method for providing a reverse electronic currency based on multilateral transactions.

4. In a device for providing reverse electronic money based on multi-party transactions that communicate with a buyer terminal, a first seller terminal, and an administrator terminal through wired or wireless communication, A step of receiving transaction request information from a buyer terminal; A step for confirming whether payment of the transaction amount corresponding to the above transaction request information has been made; When the above transaction amount is paid: a step of transmitting the above transaction request information to the first seller terminal; A step of receiving transaction completion information from the first seller terminal; A step of processing payment of a first electronic currency equal to the first portion of the transaction amount to the first seller virtual account based on the above transaction completion information and the first seller virtual account information; A step of paying a second electronic currency equal to the amount of the second portion, which is the amount obtained by deducting the first portion from the transaction amount, to the buyer's virtual account based on the buyer's virtual account information; A step of processing payment of a third electronic currency of the same amount as the second part to the administrator virtual account; A step of receiving a withdrawal request for the first or second reverse electronic currency; A step of sending a transfer request to a bank API based on the above withdrawal request; and A step of deducting the first reverse electronic currency or the second reverse electronic currency from the first seller virtual account or the buyer virtual account based on the withdrawal request; The sum of the first and second parts is configured to be equal to the transaction amount, The first to third reverse electronic currency mentioned above are: The above buyer virtual account information, first seller virtual account information, administrator virtual account information, transaction amount, and transaction date and time are stored. Payment methods for the above transaction amount include: 'Among the second reverse electronic currency recorded in the above buyer virtual account information, the fourth reverse electronic currency, which is the second reverse electronic currency in which the first seller virtual account information is stored' is included, At least one of cash, card, bank transfer, bank deposit, and digital goods is included. Payment of transaction amount based on the above 4th reverse electronic currency is possible only for the 'first seller corresponding to the transaction for which the above 4th reverse electronic currency was paid', The above buyer virtual account information includes: One or more available buyer IP addresses and buyer contact details are stored, The above first seller virtual account information includes: One or more primary seller available IP addresses, primary seller contact information and inactivity are stored, The steps to check whether the transaction amount corresponding to the above transaction request information has been paid are: A step of checking whether the IP address of the transaction request terminal recorded in the above transaction request information matches any one of the available IP addresses of the buyer; If the IP address of the transaction request terminal recorded in the above transaction request information does not match any of the available IP addresses of the buyer: a step of disallowing the transaction; and If the IP address of the transaction request terminal recorded in the above transaction request information matches any one of the available IP addresses of the buyer: a step of allowing the transaction; Steps to disallow the above transaction are: A step of transmitting transaction failure information to the above buyer contact information and the first seller contact information; The steps to allow the above transaction are: A step of requesting payment for the transaction amount to the buyer terminal; Payment methods for the above transaction amount include: Among the above second reverse electronic currency, the fifth reverse electronic currency, which is a second reverse electronic currency that is inactive, is further included, in which the second seller corresponding to the transaction for which the second reverse electronic currency was paid is inactive. Payment of transaction amount is possible based on the above 5th electronic currency for the above 1st seller, The steps for processing the payment of the above first reverse electronic currency to the first seller virtual account are: If the transaction amount includes the fourth or fifth reverse electronic currency: a step of processing payment of the sixth reverse electronic currency in an amount equal to the fourth or fifth reverse electronic currency included in the transaction amount from the administrator virtual account to the first seller virtual account; and In the case where the transaction amount includes the fourth or fifth reverse electronic currency: a step of deducting the sixth reverse electronic currency from the administrator virtual account; The above first to sixth reverse electronic currency are: goods that operate based on data stored in a predetermined database and can be used as a means of payment in electronic commerce. A device for providing reverse electronic money based on multilateral transactions.

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