PAYMENT SERVICE APPARATUS FOR PROVIDING PRODUCT INFORMATION TO OFFLINE MERCHANT ON BASIS OF LOCATION INFORMATION AND SUPPORTING PAYMENT PROCESSING BASED ON VIRTUAL CURRENCY AND OPERATING METHOD THEREOF

摘要

Disclosed are a payment service apparatus for providing product information to an offline merchant on the basis of location information and supporting payment processing based on a virtual currency and an operating method thereof. The present invention selects offline merchants positioned within a predetermined distance based on current location information of a user terminal and then selects a merchant that transmits a beacon signal having a maximum strength among beacon signals transmitted by beacons provided in the selected merchants and transmits product information for products being sold in the merchant to the user terminal, and when the information on the virtual currency amount of the one predetermined product together with a payment request for one predetermined product from the user terminal are received, completes transfer processing from an electronic wallet account of a user to the electronic wallet account of the merchant for a virtual currency amount of one predetermined product to support the user to easily purchase the product in the offline merchant.