Immediate payment (Q-pay) is a method of issuing cryptocurrency based on card sales credit using blockchain technology, and it is a system of immediately providing cryptocurrency based on the credit card revenues generated by the shop and replaces it fiat money when credit card bills are received by card company. (※ BM patent application : 10-2017-0135741) The received Qcoin is immediately exchanged 1:1 with the legal currency and retained Qcoin can be used as Q-s2s or Q-point.