KR20220168799A - Global financing service system integrated real money with virtual asset - Google Patents

Abstract

The present invention relates to a global financial service system integrating real money and virtual assets. The system enables users to easily and safely enjoy various financial services, including deposit and withdrawal, anywhere in the world by charging the e-wallet using real money and virtual assets.

Description

Global financing service system integrated real money with virtual asset}

The present invention relates to financial service technology, and more particularly to a global financial service system integrating real money and virtual assets.

Recently, public interest in virtual assets such as virtual money is rapidly increasing, and as described in Korean Patent Publication No. 10-2002-0005337 (Jan. There have been various attempts to connect with (Real Money).

It would be very advantageous in terms of user convenience if users could easily and safely enjoy various financial services including deposit and withdrawal anywhere in the world by charging their electronic wallets using real money and virtual assets.

Therefore, the present inventors provide a global financial service technology that integrates real money and virtual assets that allows users to easily and safely enjoy various financial services including deposit and withdrawal anywhere in the world by charging an electronic wallet using real money and virtual assets. did research.

Republic of Korea Patent Publication No. 10-2002-0005337 (2002.01.17)

The present invention provides a global financial service system that integrates real money and virtual assets that allows users to easily and safely enjoy various financial services including deposit and withdrawal anywhere in the world by charging their electronic wallet using real money and virtual assets. The purpose.

According to one aspect of the present invention for achieving the above object, a global financial service system integrating real money and virtual assets operates an electronic wallet for each global financial service member to provide global financial services integrating real money and virtual assets. a global financial service platform server that provides; Global financial service operated by the global financial service platform server handles deposits and withdrawals of real money and virtual assets to the electronic wallets of each member to provide global financial services that integrate real money and virtual assets provided by the global financial service platform server. It includes a plurality of user mobile terminals on which a global financial service app is installed.

According to an additional aspect of the present invention, the global financial service platform server provides an app provider for providing a global financial service app to a user's mobile terminal; a user registration unit for registering a user by receiving input of global financial service member identification card information through a global financial service app loaded on a user's mobile terminal; A KYC authentication unit for performing KYC (Know Your Customer) authentication on the user registered by the user registration unit to verify the identity of the user;

It includes an app licensing unit that authorizes official use of global financial service apps loaded on the user's mobile terminal of the user who has been identified through the KYC authentication unit.

According to an additional aspect of the present invention, the app permission unit may be implemented to request the user's mobile terminal to pay the app usage fee, and formally authorize the use of the global financial service app when the app usage fee is paid.

According to an additional aspect of the present invention, the global financial service platform server may further include an electronic wallet operating unit that opens and operates an electronic wallet for a user identified through a KYC authentication unit.

According to an additional aspect of the present invention, the global financial service platform server using real money to charge the electronic wallet with a real money charging unit and; A virtual asset charging unit for charging the electronic wallet with virtual assets may be further included.

According to an additional aspect of the present invention, the real money charging unit may be implemented to charge the electronic wallet by converting the real currency unit of the country in which charging is requested into a global standard currency unit.

According to an additional aspect of the present invention, the virtual currency charging unit may be implemented to convert the virtual asset unit of the virtual asset exchange requested for charging into a global standard currency unit and charge the electronic wallet with the charge.

According to an additional aspect of the present invention, a prepaid card operation unit for issuing and operating a global prepaid card for a user whose identity has been verified through a KYC authentication unit by a global financial service platform server; The electronic wallet may further include a prepaid card charging unit for charging the global prepaid card with the charged money using the charged money.

According to an additional aspect of the present invention, a gift card operation unit for issuing and operating a global gift card for a user identified by the global financial service platform server through the KYC authentication unit; The electronic wallet may further include a gift card charging unit for charging the global gift card with the charging money using the charging money.

According to an additional aspect of the present invention, the electronic wallet operation unit performs overseas remittance processing of transferring all or part of the recharged funds in the user's electronic wallet to an overseas financial account of a third party through a global financial service platform server financial account. can be implemented

The present invention has an effect of improving user convenience because a user can easily and safely enjoy various financial services including deposit and withdrawal anywhere in the world by charging an electronic wallet using real money and virtual assets.

1 is a network schematic diagram of a global financial service system integrating real money and virtual assets according to the present invention.
2 is a block diagram showing the configuration of an embodiment of a global financial service platform server of a global financial service system integrating real money and virtual assets according to the present invention.

Hereinafter, the present invention will be described in detail so that those skilled in the art can easily understand and reproduce the present invention through preferred embodiments described with reference to the accompanying drawings. Although specific embodiments are illustrated in the drawings and related details are described, they are not intended to limit the various embodiments of the present invention to any particular form.

In describing the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the gist of the embodiments of the present invention, the detailed description will be omitted.

It is understood that when an element is referred to as being "connected" or "connected" to another element, it may be directly connected or connected to the other element, but other elements may exist in the middle. It should be.

On the other hand, when a component is referred to as “directly connected” or “directly connected” to another component, it should be understood that no other component exists in the middle.

1 is a network schematic diagram of a global financial service system integrating real money and virtual assets according to the present invention. As shown in FIG. 1 , the global financial service system integrating real money and virtual assets according to this embodiment includes a global financial service platform server 100 and a plurality of user mobile terminals 200 .

The global financial service platform server 100 provides global financial services integrating real money and virtual assets by operating electronic wallets for each global financial service member. At this time, the global financial service platform server 100 provides the global financial service app to the user's mobile terminal 200, thereby providing global financial services.

Meanwhile, the global financial service platform server 100 withdraws all or part of the charge charged in the electronic wallet of each member of the global financial service as cash from an ATM device or a financial company, or withdraws all or part of the charge charged in the electronic wallet to itself or Overall financial services can be provided by transferring money to a third party's domestic or overseas financial account, charging a prepaid card or gift card using the recharged money in an electronic wallet, or transferring money to a third party's electronic wallet for free.

A plurality of user mobile terminals 200 execute the global financial service app provided from the global financial service platform server 100, and the real thing about the electronic wallet for each global financial service member operated by the global financial service platform server 100. It processes deposits and withdrawals for currency and virtual assets, and performs global financial services that integrate real money and virtual assets provided by the global financial service platform server 100.

By implementing this, the present invention can improve user convenience because the user can easily and safely enjoy various financial services including deposit and withdrawal anywhere in the world by charging the electronic wallet using real money and virtual assets.

2 is a block diagram showing the configuration of an embodiment of a global financial service platform server of a global financial service system integrating real money and virtual assets according to the present invention.

As shown in FIG. 2, the global financial service platform server 100 according to this embodiment includes an app providing unit 110, a user registration unit 120, a KYC authentication unit 130, and an app permission unit ( 140).

The app provider 110 provides the global financial service app to the user's mobile terminal 200 . For example, the user mobile terminal 200 may be a personal communication terminal carried by a user, such as a smart phone, a PDA, or a laptop.

Meanwhile, the global financial service app may be mobile-based software that is executed by the user's mobile terminal 200 and performs global financial services including deposit and withdrawal processing for real money and virtual assets for the user's electronic wallet.

The user registration unit 120 receives global financial service member identification card information through the global financial service app that is loaded and executed on the user mobile terminal 200 and registers the user. In this case, the global financial service member identification card may be an offline or online card issued for global financial service member subscription (user registration).

Meanwhile, the global financial service member identification card information may be a unique card number mapped with the global financial service member identification card, and the unique card number may be composed of a specific digit number of letters or/and number arrangement.

For example, a global financial service app loaded and executed on the user's mobile terminal 200 receives global financial service member identification card information from the user through a user registration UI (not shown) and transmits it to the global financial service platform server 100. can be implemented to

Then, by referring to the global financial service member identification card issuance information pre-stored in the user register 120 of the global financial service platform server 100, whether the global financial service member identification card corresponding to the global financial service member identification card information has been issued. It can be implemented to check and register the user if it is normally issued.

The KYC authentication unit 130 performs KYC (Know Your Customer) authentication on the user registered by the user registration unit 120 to verify identity. KYC authentication is an international financial real-name system that authenticates a person through a passport.

For example, a global financial service app that is loaded and executed on the user's mobile terminal 200 receives a photo of the user holding their passport, passport photo, and English resident registration document from the user through the KYC authentication UI (not shown in the drawing), and provides global financial services It may be implemented to transmit to the platform server 100.

Then, the KYC authentication unit 130 of the global financial service platform server 100 identifies the user registered by the user registration unit 120 using a photo of holding one's passport, passport photo, and English resident registration document, A photo of you holding your passport, a photo of your passport, and a copy of your resident registration are stored as user authentication information.

The app use permission unit 140 authorizes official use of the global financial service app loaded on the user's mobile terminal 200 of the user who has been identified through the KYC authentication unit 130. At this time, the app use authorization unit 140 may request the user's mobile terminal 200 to pay the app usage fee, and if the app usage fee is paid, it may be implemented to formally authorize the use of the global financial service app.

For example, the app usage permitting unit 140 provides a specific app usage fee payment UI (not shown) through a global financial service app that is loaded and executed on the user's mobile terminal 200, through which the app usage fee is paid and the global financial service app is executed. It can be implemented to formally authorize the use of financial service apps.

Here, formal use permission for the global financial service app means that the use of global financial services, including the processing of deposits and withdrawals of real money and virtual assets for electronic wallets for each global financial service member, excluding user registration and KYC authentication, is permitted. means that

By implementing in this way, the present invention can register a user for using a global financial service that integrates real money and virtual assets, user identification, and permission to use a global financial service.

Meanwhile, according to an additional aspect of the invention, the global financial service platform server 100 of the global financial service system integrating real money and virtual assets may further include an electronic wallet operation unit 150. The electronic wallet operation unit 150 opens and operates an electronic wallet for a user whose identity has been verified through the KYC authentication unit 130.

E-wallet operation here refers to withdrawal of funds charged in an e-wallet, domestic or overseas remittance to a third party's domestic or foreign financial account, prepaid card or gift card recharge, free remittance to a third party's e-wallet. It means handling overall financial services, including

For example, the electronic wallet operation unit 150 withdraws all or part of the charge stored in the electronic wallet as cash from an ATM or a financial company, or transfers all or part of the charge stored in the electronic wallet to itself or a third party in Korea or overseas. It may be implemented to transfer money by transferring to a financial account, charge a prepaid card or gift card using the charge stored in the electronic wallet, or transfer money to a third party's electronic wallet free of charge.

By implementing this, the present invention can improve user convenience because the user can easily and safely enjoy various financial services including deposit and withdrawal anywhere in the world by charging the electronic wallet using real money and virtual assets.

Meanwhile, according to an additional aspect of the invention, the global financial service platform server 100 of the global financial service system integrating real money and virtual assets further includes a real money charging unit 160 and a virtual asset charging unit 170. can

The real money charging unit 160 charges the electronic wallet with real money. At this time, the real money charging unit 160 may be implemented to charge the electronic wallet by converting the real money unit of the requested country into a global standard currency unit.

For example, the real money charging unit 160 provides a real money charging UI (not shown in the drawing) through a global financial service app that is loaded and executed on the user's mobile terminal, through which the user inputs the charging amount and the financial account for depositing the charging amount. receive, withdraw the charged amount from the charged amount deposit financial account, and transfer the charged amount to a real or virtual financial account mapped to the electronic wallet.

The virtual asset charging unit 170 charges the electronic wallet with the virtual asset. At this time, the virtual currency charging unit 170 may be implemented to convert the requested virtual asset unit of the virtual asset exchange into a global standard currency unit and charge the electronic wallet with the charge.

For example, the virtual asset charging unit 170 provides a virtual asset charging UI (not shown in the drawing) through a global financial service app that is loaded and executed on the user's mobile terminal, through which the charging amount and the virtual asset address for depositing the charging amount are transmitted from the user. Upon receiving the input, the charged amount may be withdrawn from the virtual address for depositing the charged amount and transferred to a real or virtual financial account mapped to the electronic wallet.

In this case, the real currency unit may be Korean won, the global standard currency unit may be US dollar, and the virtual asset unit of the virtual asset exchange may be Ethereum virtual coin unit, but is not limited thereto.

By implementing this, the present invention can charge the electronic wallet with real money or virtual assets, and enjoy various financial services including deposit and withdrawal freely anywhere in the world using the charged funds in the electronic wallet easily and safely. .

Meanwhile, according to an additional aspect of the invention, the global financial service platform server 100 of the global financial service system integrating real money and virtual assets further includes a prepaid card operating unit 180 and a prepaid card charging unit 190. can do.

The prepaid card operation unit 180 issues and operates a global prepaid card for a user whose identity has been verified through the KYC authentication unit 130. At this time, the global prepaid card is a physical card that can be freely used for online/offline prepaid payment anywhere in the world.

The prepaid card charging unit 190 charges the global prepaid card with the charged money using the charged money in the electronic wallet. For example, the prepaid card charging unit 190 provides a prepaid card charging UI (not shown) through a global financial service app that is loaded and executed on the user's mobile terminal, and through this, the user can receive the charged amount and his or her global prepaid card number. It may be implemented to charge the global prepaid card by receiving input and transferring all or part of the recharged money charged in the electronic wallet to a virtual account mapped to the global prepaid card.

On the other hand, the prepaid card operation unit 180 provides a prepaid card free transfer UI (not shown) through a global financial service app that is loaded and executed on the user's mobile terminal, and through this, the free transfer amount and the third party to receive free transfer The global prepaid card number may be input, and the free transfer amount may be deducted from the charge amount of the global prepaid card and transferred to a third party's global prepaid card for free.

By implementing this, the present invention can charge and use a global prepaid card that can be freely used for online/offline prepaid payment anywhere in the world using the recharged money in the electronic wallet using real money or virtual assets, and use the global prepaid card. It is also possible to transfer the inter-charge free of charge.

Meanwhile, according to an additional aspect of the invention, the global financial service platform server 100 of the global financial service system integrating real money and virtual assets further includes a gift card operation unit 192 and a gift card charging unit 194. can do.

The gift card operation unit 192 issues and operates a global gift card for a user who has been identified through the KYC authentication unit 130. At this time, the global gift card is a physical card that can be used freely anywhere in the world to pay for specific content or purchase of specific merchants or specific products.

The gift card recharging unit 194 charges the global gift card with the recharged money using the recharged money in the electronic wallet. For example, the gift card charging unit 194 provides a gift card charging UI (not shown) through a global financial service app loaded and executed on the user's mobile terminal, through which the user can receive the charging amount and his/her global gift card number. It may be implemented to charge the global gift card by receiving input and transferring all or part of the charge charged in the electronic wallet to a virtual account mapped to the global gift card.

On the other hand, the gift card operation unit 192 provides a gift card free transfer UI (not shown) through a global financial service app loaded and executed on the user's mobile terminal, through which the free transfer amount and the third party's It may be implemented to receive a global gift card number, deduct the free transfer amount from the charge amount of the global gift card, and transfer the free transfer amount to a third party's global gift card.

By implementing in this way, the present invention can charge and use a global gift card that can be freely used anywhere in the world using the charge charged in the electronic wallet using real money or virtual assets, and free transfer of charge between global gift cards is possible. Do.

On the other hand, according to an additional aspect of the invention, the electronic wallet operation unit 150 transfers all or part of the charging money charged to the user's electronic wallet to a third party's overseas financial account through a global financial service platform server financial account. It can be implemented to perform remittance processing.

At this time, the global financial service platform server financial account is a financial account operated by the global financial service platform server manager, and serves to relay the transfer amount from the electronic wallets of users using global financial services to a third party's overseas financial account. .

For example, the electronic wallet operation unit 150 provides an overseas remittance UI (not shown in the figure) through a global financial service app that is loaded and executed on the user's mobile terminal, and through this, the user's remittance amount and a third party's overseas It can be implemented to receive a financial account number, deduct the remittance amount from one's own electronic wallet charge, and transfer the remittance to a third party's overseas financial account.

At this time, the electronic wallet operation unit 150 remits a portion of the user's remittance amount deposited into the global financial service platform server financial account to a third party's overseas financial account, and the remaining amount is transferred to the third party's overseas financial account in the same country. It may be implemented to remit money from the overseas financial account of the opened global financial service platform server operator to the overseas financial account of a third party.

By implementing in this way, the present invention can freely remit the money charged in the electronic wallet to a third party overseas using real money or virtual assets anywhere in the world.

As described above, the present invention can improve user convenience because a user can easily and safely enjoy various financial services including deposit and withdrawal anywhere in the world by charging an electronic wallet using real money and virtual assets.

Various embodiments disclosed in this specification and drawings are only presented as specific examples to aid understanding, and are not intended to limit the scope of various embodiments of the present invention.

Therefore, the scope of various embodiments of the present invention includes all changes or modified forms derived based on the technical spirit of various embodiments of the present invention other than the embodiments described herein are included in the scope of various embodiments of the present invention. should be interpreted as being

The present invention can be used industrially in the global financial service technology field and its application technology field.

100: Global financial service platform server
110: App provision unit
120: user register
130: KYC authentication department
140: app permission department
150: electronic wallet operation unit
160: real money charging unit
170: virtual asset charging unit
180: prepaid card operation department
190: prepaid card charging unit
192: gift card operation department
194: gift card charging unit
200: user mobile terminal

Claims (10)

A global financial service platform server that provides global financial services integrating real money and virtual assets by operating electronic wallets for each global financial service member;
Global financial service operated by the global financial service platform server handles deposits and withdrawals of real money and virtual assets to the electronic wallets of each member to provide global financial services that integrate real money and virtual assets provided by the global financial service platform server. A plurality of user mobile terminals equipped with global financial service apps that do;
A global financial service system that integrates real money and virtual assets, including According to claim 1,
Global Financial Services Platform Server:
an app providing unit that provides a global financial service app to a user's mobile terminal;
a user registration unit for registering a user by receiving input of global financial service member identification card information through a global financial service app loaded on a user's mobile terminal;
A KYC authentication unit for performing KYC (Know Your Customer) authentication on the user registered by the user registration unit to verify the identity of the user;
An app permission unit that authorizes formal use of global financial service apps mounted on the user's mobile terminal of the user who has been identified through the KYC authentication unit;
A global financial service system that integrates real money and virtual assets, including According to claim 2,
App licenses include:
A global financial service system that integrates real money and virtual assets that requests payment of app usage fees to the user's mobile terminal and formally authorizes the use of global financial service apps when app usage fees are paid. According to claim 1,
Global Financial Services Platform Server:
An electronic wallet operation unit that opens and operates an electronic wallet for a user who has been identified through the KYC authentication unit;
A global financial services system that integrates real money and virtual assets, including more. According to claim 1,
Global Financial Services Platform Server:
a real money charging unit for charging the electronic wallet with real money;
a virtual asset charging unit for charging a charge in an electronic wallet using virtual assets;
A global financial services system that integrates real money and virtual assets, including more. According to claim 5,
Fiat currency refills include:
A global financial service system that integrates real money and virtual assets that converts the country's real currency unit requested for recharge into a global standard currency unit and recharges the electronic wallet. According to claim 5,
Virtual currency refills include:
A global financial service system that integrates real money and virtual assets that converts the requested virtual asset unit of the virtual asset exchange into a global standard currency unit and recharges the electronic wallet. According to claim 1,
Global Financial Services Platform Server:
A prepaid card operation unit that issues and operates global prepaid cards for users who have been identified through the KYC authentication unit;
a prepaid card charging unit for charging a global prepaid card with a charge using the charge stored in the electronic wallet;
A global financial services system that integrates real money and virtual assets, including more. According to claim 8,
Global Financial Services Platform Server:
A gift card operation unit that issues and operates global gift cards for users who have been identified through the KYC authentication unit;
a gift card charging unit for charging the global gift card with the charging money stored in the electronic wallet;
A global financial services system that integrates real money and virtual assets, including more. According to claim 4,
Electronic wallet operation department:
A global financial service system integrating real money and virtual assets that remits all or part of the recharged funds in the user's electronic wallet to a third party's overseas financial account through the global financial service platform server financial account.

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