【Blockchain】 About "PumaPay" realizing pull type payment Vol.1

in #cryptocurrency6 years ago

I. Intoroduction

PumaPay is a new virtual currency designed to increase encryption currency settlement more conveniently than "banking system" and "credit card", and to offer it to a wide range of industries at low cost. Puma Pay, which has attracted the attention of the industry, is an extraordinary project raising about 12.8 billion yen, about 117 million dollars by Presale.


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I went to the block chain conference held this time in Yokohama, so I think that Steemians can introduce the situation.

※日本語についてもこの記事に後述しております。
(Japanese is also described later in this article.)

2. What is PumaPay?

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There are several settlement services for encryption currencies, but the reason why this PumaPay attracts attention is in the mechanism called "pull type settlement" carried out on the industry's first block chain. Puma Pei provides a comprehensive solution to make cryptographic currency more widely available in everyday life. The feature is that you can do pull type payment method in encryption currency.

2.1 Difference between pull type settlement and push type settlement

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The cryptography currency project of most settlements used by Steemian is deploying a push type payment system. This is the case that individuals perform remittance processing with ATM in push type settlement. In other words, either the payment source or the payment side, the amount of money, the date and time are input either by the payment side or the receiving side. In the push type, it generates a QR code including information such as a push type in which an amount is specified from a consumer's Wallet to a store's wallet, the store side includes information such as a payment amount, and a pull-type There is a type of settlement.

All monthly school systems such as telephone charges, public utility charges, Internet and video distribution services, and rents contracted and drawn on a regular basis are pull type settlements.

Currently, these payments are made through banks or credit card companies, but if you can do this in crypto currencies the fee imposed on recipients will drop dramatically. If the pull type settlement can not be realized the encryption currency will not spread, Mr. Katayama Morio of PumaPey Japan representative says.

2.2 Virtual currency handled

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The iOS and android application has a wallet function, and if it is an ERC 20 token it is possible to store it in Wallet. From this month you can also complement major currencies such as Bitcoin, BCH, ripple, ADA, Stellar.

2.3 Features of PumaPay

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For Pull type payment of PumaPay, the receiver side can design the settlement freely.

For example, after a free trial period of one month, you can design the settlement to withdraw the regular fee every month, settlement such as 1 000 yen for the first month and 1000 yen for the month from the next month from the next month.

PumaPay also supports not only regular payment and prepayment, but also payment every time. There are QR codes, credit cards and electronic money in pull type settlement, but if you introduce PumaPay, you can pay the withdrawal type by reading the QR code from PumaPay's wallet and approving the pull type contract.

PumaPay can substitute for cash payments.

2.4 Future of PumaPay

PumaPay is trying to expand this function to various wallets by converting this function into a white label in order to improve convenience. If you use the published API, in the future My PayPay payment type settlement will be possible even with My Ether Wallet.

3. Summarize

My feeling is that in order for the cryptographic currency to spread to the public in general, I feel that it is necessary not to push the current push type payment that PumaPay is trying to realize but to pull type payment widely spread.

Paying to the exchanges with a push type and paying by Steem is the current means of settlement in Japan is also fatal to penetrate the layers after Late Majority. Pull type payment such as PumaPay has penetrated, I believe that if we can make settlement even with steem, we can find another direction.

As Steemians, I also want steem to be adopted by PumaPay.

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written by tamito0201

Block chain & web engineer.

A free engineer engaged in the development of business application in the fields of web applications and finance, securities, communication, etc. After that, I experienced building virtual currency platform, I fascinated the development of DAO and DApps using block chain technology, and keep on hacking every day.

Upvote, Follow, Resteem of everyone .

(※The following is a submitted article in Japanese.
以下は、日本語での投稿記事です。)

I. Intoroduction

PumaPayは暗号通貨決済を「銀行システム」や「クレジットカード」よりも利便性を高め、低コストで幅広い業界に提供することを目的に作られた新しい仮想通貨です。ひときわ業界の注目を集めたプーマペイ(Puma Pay)は、プレセールによって約1億1700万ドル、約128億円を調達した類まれなるプロジェクトです。


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今回横浜で開催されたブロックチェーンカンファレンスに行ってきましたので、Steemiansにもその様子をご紹介できればと思います。

2. What is PumaPay?

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暗号通貨の決済サービスはいくつかありますが、このプーマペイが注目を集めている理由は、業界初のブロックチェーン上で行われる「プル型決済」という仕組みにあります。プーマペイは暗号通貨を日常的の生活で広く使えるようにするための包括的なソリューションを提供します。特徴はプル型の決済手段を暗号通貨で行える点です。

2.1 プル型決済とプッシュ型決済の違い

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Steemianが使う大半の決済の暗号通貨プロジェクトはプッシュ型の決済システムを展開しています。プッシュ型決済は個人がATMで送金処理をおこなうのがこれにあたります。言い換えれば送金元、もしくは引落し先、金額、日時を支払い側と受取側のどちらかが入力することになります。プッシュ型では、消費者のウォレットから金額を指定して店舗のウォレットに送金するプッシュ型、店舗側が支払い金額などの情報を含めたQRコードを生成し、消費者がスキャンすることで引き落とされるプル型決済のタイプがあります。

契約して定期的に引落される電話料金や公共料金、インターネットや動画配信サービス、家賃などの月学制は全てプル型決済です。

現状、これらの決済は銀行、もしくはクレジットカード会社を介して行っていますが、もし暗号通貨でこれができるようであれば今まで受け取り手に課された手数料は激的に下がります。プル型決済が実現できるようにならないと暗号通貨は普及しないとプーマペイ日本代表の片山森雄氏はいいます。

2.2 取り扱う仮想通貨

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iOSとandroidのアプリにウォレット機能があり、ERC20トークンであれば全てウォレットに保管することが可能です。今月からビットコイン、ビットコインキャッシュ、リップル、エイダ、ステラなどのメジャー通貨も補完できるようになります。

2.3 PumaPayの特徴

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プーマペイのプル型決済では、受取側が自由に決済をデザインできます。例えば一カ月の無料試用期間の後に、正規料金を毎月引き落とす決済や、初月は1万円で、翌月から毎月千円というような決済も必要に応じて設計できます。

またプーマペイは定期払いや前払いだけでなく、都度払いにも対応しています。プル型決済ではQRコードやクレジットカード、電子マネーがありますがプーマペイを導入すると、PumaPayのウォレットからQRコードを読み込んでプル型コントラクトを承認することで、引落型の支払いができます。

現金支払い以外はプーマペイで代用することが可能です。

2.4 PumaPayの今後

プーマペイでは利便性を高めるために、この機能をホワイトラベル化して、色々なウォレットに広げようとしています。公開されたAPIを利用すれば将来的にはマイ・イーサ・ウォレットでもプーマペイのプル型決済ができるようになるかもしれません。

3. Summarize

私の所感ですが、暗号通貨が世間一般に広がるにはPumaPayが実現しようとしているような現状のプッシュ型決済ではなくプル型決済が広く広まる必要があるように感じます。

プッシュ型で取引所に送金して、そのSteemによって支払いを行う日本国での現状の決済手段ではレイトマジョリティ以降の層に浸透するのには致命的でもあります。PumaPayなどプル型決済が浸透し、steemでも決済ができるようになれば、また違う方向性が見出せるのではないかと考えています。

SteemiansとしてはsteemもPumaPayで採用して欲しいところですね。

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written by tamito0201

Webアプリケーションや金融、証券、通信などの分野で業務アプリケーションの開発に従事しているフリーエンジニア。仮想通貨プラットフォームの構築を経験し、ブロックチェーン技術を使ってDAOやDAppsの開発を魅了され毎日プログラミングを行なっています。

また、プログラミング講師として次世代エンジニアを育成中。初心者から経験者までそれぞれのスキルレベルに合わせて指導し、キャリアパスなどを含め、プログラミング学習における不安がなくなるまで指導しています。

食べ歩きや散歩、旅行、また面白いと思ったニュースなどの情報もSteemitで更新しています。皆様のUpvote、Follow、Resteemが更新の励みになりますので、応援宜しくお願い致します。

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@tamito0201, In my opinion, New Services, Technologies and Innovations for sure going to boost the Cryptocurrency Space and most importantly every innovation can push this space one step towards the mass adoption. Stay blessed.

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I expect the development of new technology.

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