KR20210009897A - Apparatus and method for managing digital asset transaction - Google Patents

Abstract

A device for managing digital asset transaction includes: a communication unit communicating with a user terminal or a regulatory agency server; a transaction unit for processing digital asset transactions between the user terminals; and a management unit which confirms transaction information between the user terminals through the transaction unit, wherein the management unit may suspend the transaction between the user terminals when the transaction information satisfies a preset prohibition condition. According to the present invention, the transaction of digital assets through an exchange is managed in a transparent and safe manner.

Description

Virtual asset transaction management device and method {APPARATUS AND METHOD FOR MANAGING DIGITAL ASSET TRANSACTION}

The present invention relates to an apparatus and method for managing transactions of virtual assets through an exchange.

Blockchain-based virtual assets are expected to play a key role in the 4th industrial revolution as a decentralized P2P economy business model. In line with this, G20 advanced countries are preparing to institutionalize into the regulatory domain.

The need for regulation on cryptographic assets is emphasized due to the widespread escalation, fraud, and hacking incidents of current virtual asset exchanges that exist outside the current regulatory domain.

Korean Patent Publication No. 1628007 discloses a technology that enables a simple URL-based transaction without recognizing a public address consisting of 32 bytes or more each time a digital virtual asset having a block chain is traded between parties. However, there is no content that guarantees the transparency and stability of transactions made through the virtual asset exchange.

Korean Patent Publication No. 1628007

The present invention is to provide a virtual asset transaction management apparatus and method that manages the transaction of virtual assets through an exchange to be transparent and secure.

The technical problems to be achieved by the present invention are not limited to the technical problems mentioned above, and other technical problems that are not mentioned will be clearly understood by those of ordinary skill in the technical field to which the present invention belongs from the following description. I will be able to.

The virtual asset transaction management apparatus of the present invention comprises: a communication unit communicating with a user terminal or a regulatory agency server; A transaction unit for processing a virtual asset transaction between the user terminals; And a management unit that checks transaction information between the user terminals through the transaction unit, wherein the management unit may stop the transaction between the user terminals when the transaction information satisfies a preset prohibition condition.

The virtual asset transaction management method of the present invention first allows the payment of the virtual asset when the integrity of the virtual asset transaction between user terminals is authenticated, and additionally authenticates the integrity of the second prohibition condition set in the first permission state. In the first allowed state, payment of the virtual asset is performed only in the second permitted state in which additional authentication for the second prohibition condition is completed, and the second prohibition condition is whether a market manipulation transaction, money laundering, or autobiographical transaction. It may include at least one.

In addition, illegal and illegal activities performed on the exchange are stored in the blockchain, and these activities can be reported to the regulatory agency server through artificial intelligence-based monitoring.

According to the present invention, transaction transparency and stability of virtual assets traded through an exchange can be ensured, and at the same time, there is an effect of preventing illegal acts being performed on the exchange.

1 is a block diagram showing a virtual asset transaction management apparatus of the present invention.
2 is a diagram showing the overall structure of a transaction unit according to an embodiment of the present invention.
3 is a diagram showing the structure of a personal authentication DAPP of a transaction unit according to an embodiment of the present invention.
4 is a diagram showing the structure of a verification DAPP of a transaction unit according to an embodiment of the present invention.
5 is a diagram showing the structure of a currency transaction DAPP of a transaction unit according to an embodiment of the present invention.
6 is a diagram showing the structure of a currency exchange DAPP of a transaction unit according to an embodiment of the present invention.
7 is a diagram illustrating a virtual asset transaction method using a transaction unit according to an embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings. In this process, the size or shape of the components shown in the drawings may be exaggerated for clarity and convenience of description. In addition, terms specifically defined in consideration of the configuration and operation of the present invention may vary according to the intention or custom of users or operators. Definitions of these terms should be made based on the contents throughout the present specification.

The'virtual asset' described herein may refer to a virtual currency or an online cache formed based on encryption technology.

In addition, the term virtual asset, which is a term described throughout the specification, is a concept that contrasts with real money or fiat currency, and includes electronic currency and cryptocurrency based on blockchain technology. Collectively.

In addition, the electronic wallet may refer to an electronic account that stores virtual assets.

1 is a block diagram showing a virtual asset transaction management apparatus of the present invention.

The virtual asset transaction management apparatus 1 shown in FIG. 1 may include a communication unit 30, a transaction unit 100, and a management unit 50.

Recently, with the advent of encryption technology such as blockchain, interest in cryptographic technology-based virtual assets is increasing. Among them, the most notable virtual asset is Bitcoin, and in addition, Ethereum, Ripple, Dash, and Litecoin are in service or are already in service. .

Previously, various and numerous cryptographic technology-based currencies have been used by web service companies under the name of'Cash'. In general, in e-commerce, electronic money, which is the basis of transactions, is widely used online, and credit cards that are currently used as payment methods in e-commerce are also digitalized and virtualized, and a means to conduct credit transactions without immediate payment of real money. It can be said that the circulation structure of credit card companies, banks, and affiliated stores is completed and is included in the category of electronic money.

Therefore, it is judged that the reason why virtual assets, which are a kind of existing electronic money, are rapidly receiving attention is due to the difference in operation method. Virtual assets are made by a distributed network timestamp server based on a peer-to-peer network (P2P) in the transaction method. Virtual assets are traded using public key cryptography, and by managing the distributed ledger through each node, it is possible to operate without a central authority or bank unlike the existing real money, and it is different from the existing electronic money of the centralized form. There are significant differences.

The remittance method using such a virtual asset has the advantage of being extremely low in risk and low usage fee as it can be used without information such as a card number, expiration date, and CCV number required for credit card payment.

Currently, among virtual assets that can be settled in kind, in the case of Bitcoin, transaction details between parties are stored and collected in an electronic wallet of a blockchain as a distributed ledger.

The electronic wallet can be created by installing a virtual asset client program provided by a virtual asset developer on the terminal, or by signing up for a virtual asset exchange such as'www.bithumb.com'. The created electronic wallet can be called a kind of virtual asset account. The creation of the electronic wallet can be made with an address formed by combining numbers and English case, such as a public address of 32 bytes or more. For example, the electronic wallet may be in the form of '16YxMgbMydAtgFWQB5' and'jP8rh9auwpqqthJY'.

In a transaction between parties using an electronic wallet, since transactions and remittances are possible only when the electronic wallet address is recognized with each other, it is difficult for general users to use it conveniently and quickly.

In addition, in the case of Bitcoin, it can be said that it is a virtual currency that attracts attention unprecedentedly, but problems of popularization and reflection of real life remain. In fact, in the domestic situation, only transactions that buy and sell virtual assets for investment purposes are active, and are not actually used like cash in various fields. Accordingly, it can be said that the prospects for these virtual assets vary.

Nonetheless, virtual assets are characterized by five features: transparency, immutability, low fees, borderless and fast speed. Transparency means that anyone can access the blockchain network, so that the transmission of the block in which their transaction has been made and confirmation of the transaction history is possible, and immutability means that the transaction cannot be canceled once the transaction is approved, and no one can interfere with the transaction. This indicates that fees are relatively inexpensive as there are no additional fees other than fees for moving between virtual currencies. In addition, Borderless means that you can easily send funds to any country in the world, as if you were in the room next door, and the fast speed is that with the straightforward and transparent nature of the blockchain, remittances occur almost instantly, typically in minutes rather than days or hours. It refers to the characteristic that can be checked inside.

However, despite the introduction of the blockchain, various problems with virtual assets have arisen. In particular, various problems have arisen in exchanges where virtual assets are traded.

For example, in the Japanese exchange'Mount Gox', many customers suffered damage due to illegal manipulation of the internal system. Virtual assets such as Hong Kong's'Bitfinex' and Korea's'Bithumb' have been stolen by hackers.

Since it is expected that fraudulent manipulation and hacking attacks of internal systems will continue in the future, transparent and safe management measures for the assets of customers using the exchange are required. The communication unit 30, the transaction unit 100, and the management unit 50 may be used to transparently and safely manage transactions through the exchange.

The communication unit 30 is capable of wired or wireless communication with a user terminal 10 such as a mobile communication terminal or a computer, and a regulatory agency server 90. The user terminal 10 may include a terminal for paying or receiving a virtual asset through a transaction unit or a terminal for requesting payment of a virtual asset.

The transaction unit 100 may process a virtual asset transaction between the user terminals 10. For example, the transaction unit 100 has information on virtual assets owned by each user, and may increase or decrease the amount of virtual assets possessed by each user according to payment of the virtual assets.

The transaction unit 100 may provide the user terminal 10 with an environment in which virtual assets can be traded. The transaction unit 100 may be provided with various authentication means so that transactions between user terminals can be normally performed.

The management unit 50 may be provided separately from the transaction unit 100 in order to prevent an accident that may occur despite the authentication means. The management unit 50 provided separately from the transaction unit 100 may monitor payment of virtual assets made through the transaction unit 100. The management unit 50 may have an authentication system separate from the transaction unit 100. The management unit 50 having a separate authentication system may be secure even if the transaction unit 100 is hacked. The securely protected management unit 50 may perform additional authentication for transactions between user terminals 10 made by the transaction unit 100.

The management unit 50 may check the transaction information between the user terminals 10 through the transaction unit 100 and stop the transaction when the transaction information satisfies a preset prohibition condition. In other words, even if payment of virtual assets between the user terminals 10 is permitted by the transaction unit 100, the additional permission of the management unit 50 must exist, but the virtual assets can be actually paid from a specific terminal to another terminal. . That is, the transaction unit 100 may allow the payment of the virtual asset only when it is further confirmed from the management unit 50 that there is no defect in the transaction in the first state in which it is determined that there is no defect in the transaction.

For example, the management unit 50 may transmit transaction information between the user terminals 10 to the external regulatory agency server 90 with the help of the communication unit 30. The management unit 50 may receive an additional authentication result for corresponding transaction information from the regulatory agency server 90.

The management unit 50 may secondarily determine whether to pay the virtual asset between the user terminals 10 according to the additional authentication result.

As another example, the management unit 50 may self-generate an additional authentication result and determine whether to pay a virtual asset to a specific terminal by using the self-generated additional authentication result. For example, the management unit 50 may be provided with a customer identification unit 55, a first monitoring unit 51, a second monitoring unit 52, a third monitoring unit 53, and a management unit 57. .

The customer verification unit 55 may store the user's ID card registration information when signing up for an exchange, specifically, the transaction unit 100. The customer verification unit 55 may allow payment of virtual assets only to the user's terminal in which the ID registration information is stored. The ID registration information may include an actual name, an identification number such as a resident registration number, an address, and a contact information.

The first monitoring unit 51 may monitor price manipulation transactions by machine learning.

The second monitoring unit 52 may monitor money laundering by machine learning.

The third monitoring unit 53 may monitor autorotation transactions by machine learning.

A ticker transaction may refer to an illegal securities transaction or this kind of transaction by an insider trader in order to create the illusion of mass trading on a virtual asset. Increased transactions are reported on consolidated tapes, often causing careless investors to engage in transactions.

It is an act to attract the attention of investors by breaking the order with a large unit into a large number of small orders to make it appear that many transactions have been made. In particular, if this phenomenon occurs after the virtual asset exchange (transaction unit) blocks the deposit and withdrawal of a specific virtual asset without any special reason, it may be reported to the regulatory agency server 90 at a critical level. In other words, the first monitoring unit 51 may monitor a first situation in which one order for which a virtual asset is paid is split into a plurality of orders. When the first situation is detected, the first monitoring unit 51 may stop payment of the virtual asset made by the corresponding order. When the first situation occurs while the deposit and withdrawal is blocked by the transaction unit 100, the first monitoring unit 51 may report the first situation to the regulatory agency server 90. The regulatory authority server 90 is installed in an institution having an audit function for the transaction unit 100, and the report of the first situation to the regulatory authority server 90 is scheduled to be performed for the transaction unit 100. can do.

The first monitoring unit 51 may determine whether or not a price manipulation transaction is performed using a price manipulation transaction determination model generated by machine learning.

Money laundering refers to pretending to be a legitimate property of illegal property. In the case of Korea, the law stipulates that "the act of pretending to acquire or dispose of illegal property, concealing the property, and pretending to acquire or dispose of property for the purpose of tax evasion using foreign exchange transactions, or concealing the property" have. When this phenomenon is found, the second monitoring unit 52 reports the crisis level to the regulatory agency server 90 in real time. The second monitoring unit 52 may determine money laundering using the user's ID card registration information registered in the customer identification unit 55. When it is determined that a specific order is money laundering, the second monitoring unit 52 may provide information on the specific order to the regulatory agency server 90.

The second monitoring unit 52 may determine whether or not money is laundered using the money laundering determination model generated by machine learning.

Autobiographical trading can refer to buying and selling assets between one's own family to inflate the volume of transactions. This may be the case when you place a sell/buy order on your own by the same investor or the exchange itself. However, if it is used as a means of adjusting the rate of return, it is subject to supervision by the supervisory authority. Autobiographical trading is a special trading form of exchange trading, and may include trading in which the same exchange conducts the sale and purchase of the same type, quantity, and price at the same time. Autobiographical transactions can occur when an exchange receives both buy and sell orders of the same quantity for a single virtual asset from customers. There are advantages such as quick and smooth processing of large orders that cause price fluctuations, but there is a disadvantage of reducing the quantity of orders participating in competitive trading in the market as auto-rotation transactions are conducted outside the market. In addition, if the market price is different from the default price previously determined outside the market, there is a fear of manipulating the stock price, and the exchange allows it with certain restrictions. The third monitoring unit 53 may monitor the autorotation transaction made by the transaction unit 100 and report it to the regulatory agency server 90 in real time when a restriction on the autorotation transaction is violated.

The third monitoring unit 53 may determine whether or not the autorotation transaction is made using the autorotation transaction determination model generated by machine learning.

The management unit 57 collects all the monitoring results of each monitoring unit for a specific transaction or order, and if any one of the monitoring results is abnormal, it is possible to stop payment of the virtual asset going to and from the specific transaction. In other words, the management unit 57 is a transaction subject to monitoring by each monitoring unit only when the monitoring result of all of the first monitoring unit 51, the second monitoring unit 52, and the third monitoring unit 53 satisfies the integrity. Allow payment of virtual assets for When a defect occurs in the monitoring result (monitoring result) of any one of the first monitoring unit 51, the second monitoring unit 52, and the third monitoring unit 53, the management unit 57 Payment can be stopped. In addition, defects in the monitoring result can be transmitted to the regulatory agency server 90.

When a transaction of a predetermined amount or more is detected, the management unit 57 may store information of the transaction party and report the transaction information and the information of the transaction party to the regulatory agency server 90 in real time. At this time, the information of the sender (user who pays the virtual asset) among the transaction parties may include a name, a virtual asset wallet address, and an identification number. Among the parties to the transaction, the recipient (user who receives the virtual asset) information may include a name (blank if not present) and a virtual asset wallet address.

The communication unit 30 may include a terminal communication unit 35, a first communication unit 31, a second communication unit 32, and a third communication unit 33.

The terminal communication unit 35 may communicate with the user terminal 10.

The first communication unit 31 may establish a wired or wireless first communication channel through an API between the first monitoring unit 51 and the regulatory agency server 90.

The second communication unit 32 may form a wired or wireless second communication channel through an API between the second monitoring unit 52 and the regulatory agency server 90.

The third communication unit 33 may establish a wired or wireless third communication channel through an API between the third monitoring unit 53 and the regulatory agency server 90.

According to the present invention, the terminal communication unit 35, the first communication unit 31, the second communication unit 32, and the third communication unit 33 can be independently formed and operated. Even if any one of the independently operated communication units becomes an attack target for hacking and operates abnormally, the remaining communication units may operate normally. When an abnormality occurs in any one of the communication units, the management unit 57 may stop payment of the virtual asset currently in progress.

According to the present invention, the first monitoring unit 51, the second monitoring unit 52, and the third monitoring unit 53 can also be formed and operated independently of each other. Each independently operated monitoring unit can operate normally even if an abnormality occurs in other monitoring units.

The virtual asset transaction management method of the present invention may be performed in the following order.

If the integrity of the virtual asset transaction between user terminals is authenticated, payment of the virtual asset may be allowed first. With the operation performed by the transaction unit, the transaction unit can basically authenticate the integrity (including transaction suitability) for the sender and recipient. The transaction unit can wait for further authentication by the management unit without performing the payment of the virtual asset in the first allowed state.

In the first allowed state, the integrity of the preset second prohibited condition is additionally authenticated, and the payment of the virtual asset may be performed only in the second allowed state in which additional authentication for the second prohibited condition is completed in the first allowed state.

Further authentication of the integrity for the secondary prohibition condition may be performed by the management unit. In this case, the second prohibition condition may include at least one of whether a price manipulation transaction, money laundering, and autobiographical transaction. According to the second prohibition condition, the situation in which the investor suffers damage due to internal manipulation or hacking can be prevented.

When the second permission state is reached by the management unit, the transaction unit may perform payment of a virtual asset by a specific user terminal or payment of a virtual asset to a specific user terminal.

The management unit or communication unit can report the violation of the secondary prohibition condition to the regulatory authority server.

According to the present invention, due to the additional intervention of the management unit 50, the completion time of various transactions requiring payment of a virtual asset can be increased. In order to solve the inconvenience of the user due to the increase in transaction time, a method of speeding up the transaction made in the transaction unit 100 may be additionally provided.

2 is a diagram showing the overall structure of a transaction unit 100 according to an embodiment of the present invention.

2, the transaction unit 100 according to the embodiment of the present invention distributes a private key to one or more user terminals 10, and generates one or more electronic wallets based on the private key. )(200), when a transaction between the payer and the receiver via an electronic wallet held by the user is requested from the user terminal 10, a verification DAPP 300 that verifies the validity of the transaction, proceeds with the procedure of the validated transaction And a currency transaction DAPP 400 to confirm completion, and a currency exchange DAPP 500 that converts the value of real money for virtual assets according to the currently announced exchange rate, and performs a currency exchange procedure requested. .

In addition, the transaction unit 100 of the present invention may include a separate database server or a database built in each server, and such a database 600 includes a member DB 610, a non-member DB 620, a member electronic wallet DB 630, a non-member electronic wallet DB 640, and a currency exchange transaction DB 650 may be included.

The user terminal 10 is a computing device such as a desktop PC, a laptop PC, a smart phone or a tablet PC owned by a user who intends to use the transaction unit 100 of the present invention, and accesses the transaction unit 100 through an information communication network. An application program for receiving a member registration and issuing a private key, and requesting a transaction of a virtual asset such as payment or receipt of a virtual asset using an electronic wallet according to a virtual asset account may be installed and executed.

The personal authentication DAPP 200 may generate and distribute a private key for a member in a predetermined method after member authentication is normally performed at the request of the user terminal 10. The personal authentication DAPP 200 stores the private key in the database 600 and compares the private key distributed in the case of a transaction request using the virtual asset with the private key stored in the database 600 to verify that the transaction is a normal transaction.

The verification DAPP 300 may verify the validity of a transaction according to a transaction request for a virtual asset between two users, that is, a payer and a receiver, via a virtual asset of an electronic wallet.

The verification DAPP 300 can verify whether the electronic wallet of the payer and the recipient of the transaction has (or not) and the balance of the virtual asset of the electronic wallet can be performed normally, and the transaction details and the corresponding virtual asset You can approve the transaction by comparing the transaction information generated according to the transaction.

The verification DAPP 300 may check whether the currently requested transaction is a transaction through the same virtual asset and whether or not the public address of the electronic wallet is changed.

The currency transaction DAPP 400 may perform a procedure of finally confirming to a member whether or not a transaction is in progress based on information transmitted from the personal authentication DAPP 200 and the verification DAPP 300. The currency transaction DAPP 400 may check whether the transaction is a normal transaction through a messenger or a mobile terminal input into the private key of the currency transaction member.

The currency exchange DAPP 500 may perform exchange between virtual assets and real money, not between virtual assets. The transaction method of the exchange DAPP 500 is the same as the transaction between the payer and the recipient, but exchange rates and fees for using the exchange DAPP 500 as transaction information may be provided to the user.

The currency exchange DAPP 500 performs an exchange procedure according to the currently announced exchange rate between the virtual asset that is a transaction target and the real currency that is the object of exchange.

According to the above structure, the transaction unit according to the embodiment of the present invention can easily trade various virtual assets such as Bitcoin and Ethereum according to transaction authentication and verification based on a private key and an electronic wallet.

The structure of each server constituting a transaction unit according to an embodiment of the present invention will be described in detail with reference to the drawings.

3 is a diagram showing the structure of a personal authentication DAPP of a transaction unit according to an embodiment of the present invention.

3, the personal authentication DAPP 200 of a transaction unit according to an embodiment of the present invention includes a member management unit 210 that performs a member registration, login, or member withdrawal procedure, and an individual who issues a private key to a registered member. A key generation unit 220, an information management unit 230 that manages a private key and electronic wallet for each member, and a private key authentication unit 240 that performs an authentication procedure by referring to a database when receiving a transaction request from the user terminal 10 It may include.

The personal authentication DAPP 200 serves to distribute a private key to one or more user terminals 10, and may generate and distribute a private key after member authentication in a predetermined method. The generated private key may be stored in the member DB 610.

The member management unit 210 may perform a member registration procedure according to the request of the user terminal 10, and may log-in the registered user to authenticate the corresponding user.

In addition, the member management unit 210 may perform a management procedure, such as updating member information and withdrawing membership, according to the request of the user terminal 10.

The private key generation unit 220 may generate and distribute a private key for a user who has been member-authenticated by the member management unit 210.

The aforementioned private key may include member information including account and password, user's e-mail address, messenger, password, mobile terminal phone number and address, etc., and may be stored for each member in the member DB 610. have.

In addition, the private key may be stored for each individual in the server, and authentication may be completed when the user terminal 10 and the personal authentication DAPP 200 form the same pair to obtain the same value.

After member authentication, the information management unit 230 may generate an electronic wallet for a transaction or a virtual asset held and store it in the member electronic wallet DB 630. Here, the electronic wallet may be generated for various types of currently commercialized virtual assets registered in the transaction unit of the present invention, regardless of whether the virtual asset is owned or not.

When receiving a transaction request through a virtual asset of an electronic wallet held from the user terminal 10, the private key authentication unit 240 may verify that the request is a normal request by checking the distributed private key.

When trading virtual assets, the payer selects the type of virtual asset to be transacted through his user terminal, checks the public address of his electronic wallet for the virtual asset, and then enters the recipient's public address. You can go through the process of checking. In addition, the payer may enter the amount of the virtual asset to be transacted and then transfer the virtual asset.

At this time, in the above-described method, when the payer remits the virtual asset to the recipient, the public address is incorrectly recognized, or the remittance proceeds because the type of virtual asset is incorrectly selected, but the virtual asset disappears due to an incorrect transaction.

For example, there may be a problem such as remittance to a new version of Bitcoin Cash (BTH) public address to an old version of Bitcoin (BTC) public address, which can be recovered again through a complicated process, but the inconvenience and inconvenience of the process It takes a considerable amount of time to recover, which lowers the reliability of remittance of virtual assets.

In order to improve this problem, the personal authentication unit 340 sets a public address to be classified for each virtual asset type in the member's private key, thereby reducing the process of recognizing the public address only by selecting the virtual asset of the payer. You can minimize wrong transactions. Here, since the public address has the form of a URL, the payer can realize remittance through the public address of the recipient.

Accordingly, the transaction unit according to an embodiment of the present invention can implement a virtual asset transaction only by a process of selecting the payer's private key and virtual asset, selecting the recipient private key and virtual asset, and transmitting the virtual asset upon remittance.

On the other hand, in the personal authentication DAPP 200, a verification procedure between members during a transaction between members may be performed using an identification number (ID) and a name included in the private key. The member receives personal key distribution by inputting personal information, etc. into the personal authentication DAPP 200 in a preset method, and may generate an electronic wallet. The generated private key may be stored in the server as the member DB 610.

Here, the distributed private key can be used for personal key authentication, real-time virtual asset exchange, and member-to-member transaction authentication while passing through verification DAPP, currency exchange DAPP, and currency transaction DAPP during virtual asset transaction, and transaction procedures in each server. It can be used to perform initial approval for

In addition, in the case of a virtual asset transaction between a member and a non-member, the personal authentication DAPP 200 may require two approvals. In the first approval step, the authenticity of the transaction is verified by verifying the existence of a public address of the virtual asset, and in the second step, the transaction details of non-members are classified and transacted in the non-member DB 620 and the non-member electronic wallet DB 640 You will go through the step of saving the details once more. When a non-member including transaction details is converted to a member, the details may be transferred and stored in the member DB 610 as it is.

The transaction details between the virtual asset and the real currency may be stored in the exchange transaction DB 650.

4 is a diagram showing the structure of a verification DAPP of a transaction unit according to an embodiment of the present invention.

Referring to FIG. 4, the verification DAPP 300 of the transaction unit of the present invention verifies the transaction details according to whether a corresponding electronic wallet is held and whether the balance of the electronic wallet corresponds to a withdrawable amount when a transaction is requested. The unit 310 and the transaction details may include a transaction verification unit 320 that compares transaction information generated according to the transaction of the corresponding virtual asset to verify whether or not the transaction is normal.

The transaction verification unit 310 may verify transaction information according to a transaction between members or between a flower garden and a non-member. For a virtual asset-based transaction, the payer can request a transaction by selecting his/her public address in the electronic wallet, entering the payment amount, and selecting the recipient's public address.

The payer signs using his or her own private key to generate transaction information for the virtual asset.

The transaction verification unit 320 may compare the transaction details according to the transaction request with the transaction information to verify whether the corresponding transaction is valid, and transmit the result to the currency transaction DAPP 400.

Therefore, in the case of a transaction of virtual assets between members, the personal authentication DAPP 200, the verification DAPP 300, and the currency transaction DAPP 400 are proceeded in three steps. At this time, only the transfer of the virtual asset provided from the distributed private key to the electronic wallet is authorized.

In addition, in the case of transactions between members and non-members rather than between members, 5 steps in the order of personal authentication DAPP (200), verification DAPP (300), personal authentication DAPP (200), verification DAPP (300), and currency transaction DAPP (400). It proceeds to. This is, in the case of a non-member, by receiving two approvals from the personal authentication DAPP 200, the verification DAPP 300 stores the value made in each first approval and transmits the contents of the transaction back to the personal authentication DAPP 200, This is because the value converted to the DB (620 in FIG. 3) must be received and the transaction must be approved with the value of the non-member electronic wallet DB 630.

On the other hand, as the e-wallet address of the virtual asset can be continuously generated, the transaction using the changed e-wallet as the transaction is made is not valid, and the transaction goes to the initial approval stage.

5 is a diagram showing the structure of a currency transaction DAPP of a transaction unit according to an embodiment of the present invention.

Referring to FIG. 5, the currency transaction DAPP 400 of the transaction unit of the present invention is a transaction confirmation unit 410 that checks whether the transaction procedure is completed according to information transmitted from the personal authentication DAPP 200 and the verification DAPP 300. ) And a notification unit 420 that transmits a notification on the completion of the transaction procedure confirmed by the transaction confirmation unit 410 to the user terminal.

The currency transaction DAPP 400 of the present invention may serve to receive confirmation from a member whether the last transaction has been performed based on information transmitted through the personal authentication DAPP 200 and the verification DAPP 300.

The transaction verification unit 410 may receive a personal key authentication result from the personal authentication DAPP 200 and receive a transaction verification result from the verification DAPP 300 to check the parties and the transaction result of the transaction.

The notification unit 420 may notify the transaction result through the URL or application program when the transaction is completed through information included in each member's private key, that is, a messenger or mobile terminal number. Accordingly, the member I can confirm.

As an example, the notification unit 420 may check whether each member is a normal transaction by displaying identification numbers (IDs) and names of payers and recipients through a URL or an application program of a mobile terminal.

The currency transaction DAPP (400) is to perform a procedure of finally approving all transactions between members, and the transactions made can be stored in the member DB (610 in Fig. 2), and after that, the member checks the progress and results of the transaction. You can do it, and you can also check a list with past transactions.

6 is a diagram showing the structure of a currency exchange DAPP of a transaction unit according to an embodiment of the present invention.

6, the currency exchange DAPP 500 of the transaction unit according to the embodiment of the present invention receives a request from the user terminal 10 to convert a certain amount of a virtual asset to a specific real currency, according to the currently announced exchange rate. A conversion amount calculation unit 510 that calculates the amount of real money, an exchange rate setting unit 520 that provides a currently announced exchange rate, requests the electronic wallet to deduct a virtual asset corresponding to the calculated conversion amount, and the converted real money It may include a transaction information generation unit 530 for generating transaction information.

The currency exchange DAPP 500 may convert the value between the real-time appreciation currency and the real currency with reference to the exchange rate to perform a payment between the virtual asset and the real currency or the fiat currency and perform a conversion procedure to the currency that the user wants to trade. .

The currency exchange DAPP 500 may provide currency exchange services, exchange for virtual assets required between payers and recipients, and exchange transaction services between KRW and virtual assets.

The conversion amount calculation unit 510 refers to a currency exchange transaction DB 650 including purchase and sale details of existing virtual assets, and performs a currency exchange procedure based on the extracted data.

Since virtual assets do not have a fixed base exchange rate, such as won versus dollar, a method of calculating a currency exchange base is needed. To this end, the exchange rate setting unit 520 may provide a method of calculating a standard, and a currency exchange standard may be set based on these contents by inquiring the amount of purchase or sale of a virtual asset in a virtual asset exchange. .

The exchange rate setting unit 520 may calculate the exchange rate between the won and the virtual asset according to the currently announced exchange rate and display it in seconds, and at the request of the user terminal 10, the exchange fee of the virtual asset to be purchased or sold and Exchange rates can be provided to users.

When a currency exchange request is made, the process is performed according to the same procedure as the transaction between members, but the transaction information generation unit 530 may generate transaction information for the completed exchange transaction and store it in the exchange transaction DB 650.

In addition, in a currency exchange transaction between virtual assets, the currency exchange DAPP 500 may provide the user terminal 10 with a currency exchange fee and an exchange rate display to a member through a URL or an application program.

In addition, the above-described currency exchange transaction can be simple exchange, payment, and remittance to the generated electronic wallet, and the result is stored in the exchange transaction DB 650 and is linked with the member DB (610 in FIG. 3), so that the user Can search and check their own completed transactions.

When using the currency exchange DAPP (500), the transaction must be completed within the specified time until the transaction is completed, remittance, and settlement, and the transaction is canceled when the time is exceeded. This is to minimize the loss of the difference due to the difference between the time when the exchange rate is calculated and the actual transaction time because the price fluctuation range of virtual assets is close to 24 hours, i.e., infinite.

On the other hand, in general transactions such as remittance as well as the currency exchange transaction described above, the transaction of virtual assets may be performed through a virtual asset network in a peer-to-peer (p2p) method. These virtual assets are made public by being added to the public p2p list called blockchain from blocks created by miners on the network every 1 to 10 minutes on average. The generation time of these blocks may differ for each type of virtual asset.

As it is a decentralized network, several blocks can be created at the same time, but only the block created first is included in the blockchain and the rest are discarded. In this case, transactions of all virtual assets in the created block may be recorded in the most recently created block at the same time as the transaction of virtual assets is performed. Block creation and transaction details are delivered and stored to all nearby peers, the next block is created, the previous block cannot be modified, and the miner who wants to create a new block is not included in the block yet. The next block is created including all the details.

Miners' block generation activities continue, and at this time, the miners who create blocks receive virtual assets as an incentive. Eventually, the blockchain includes all transaction history on virtual assets as a distributed ledger, and the system of virtual assets is maintained through repetition of these activities. A system that allows transactions without the authority of a central bank is maintained due to the verification activities of the miners' blocks.

Virtual assets generated through minor activities can be moved to the public address of each member's electronic wallet, and the contents of the divided blocks can be individually stored in the exchange transaction DB and the member DB for confirmation. Is done.

In the following description, the execution subject of each step is a server included in the above-described transaction unit and a constituent unit constituting each server, even if there is no separate description.

7 is a diagram showing a virtual asset transaction method using a transaction unit according to an embodiment of the present invention.

Referring to FIG. 7, in the method of trading a virtual asset by a transaction unit of the present invention, a personal authentication DAPP distributing a private key to one or more user terminals (S100), and a personal authentication DAPP is applied to the private key according to the request of the user terminal. Generating and storing one or more based electronic wallets (S110), verification DAPP verifying the validity of the transaction when a transaction is requested between the payer and the receiver via the electronic wallet held by the user from the user terminal (S120) And a step (S130) of confirming, by the currency transaction DAPP, progress and completion of the transaction for which the validity is verified.

According to step S100, the personal authentication DAPP generates a private key and distributes it to the user terminal after the user terminal request and membership sign-up, and when the login is normally completed through the user verification process.

In step S110, the user terminal may generate and store one or more electronic wallets based on the private key according to the manipulation of use. At this time, the generated electronic wallet may be stored in a database for each user account.

In step S120, in response to a virtual asset transaction request from the user terminal, when a transaction between the payer and the recipient is requested through the electronic wallet held by the user, the verification DAPP verifies the validity of the transaction using the private key and public address. do. In this case, the user may request a transaction by selecting an identification code corresponding thereto, rather than directly inputting the public address of himself or herself and the recipient.

Thereafter, when the verification is completed, as the currency transaction procedure is started in step S130, the currency transaction DAPP confirms the progress and completion of the procedure of the corresponding currency transaction.

Apart from the above-described step, after the step S110, at the request of the user terminal, the exchange DAPP converts the value of the real currency for the virtual asset according to the currently announced exchange rate, and performs the exchange procedure between the requested currency. It may further include a step.

The scenario for a member's virtual asset transaction based on the above steps is as follows.

First, the member receives the member's private key through the personal authentication DAPP. In the distributed private key, a cryptocurrency electronic wallet address is generated and some personal information is entered. The entered private key is paired with the member's private key, and the personal authentication DAPP checks whether the pair matches the transaction.

The member requests each transaction using the private key, and the requested transaction is authenticated by checking whether the member's database value and the private key value are matched through the personal authentication DAPP, and authentication is completed. You will convey the content.

The public address corresponds to the account number of the bank, and the private key corresponds to the password of the account.In the virtual asset transaction method according to the embodiment of the present invention, in order to solve the inconvenience of public address identification, the personal authentication DAPP will disclose it. It plays the role of showing the possible personal information, that is, the identification code between the parties. Only the displayed information between members can proceed with the transaction in place of the public address value.

In virtual assets, accounts are called “electronic wallets”, and there are more than one account in these electronic wallets. The account can be created one-time and continuously, and the created account can be used continuously. The created account will exist as a public address that is a combination of numbers and upper and lower case letters.

As the virtual assets used in the present invention are traded based on a public key cryptography method, it is possible to create and change accounts in places where an electronic wallet such as a smartphone or a computer can be used. And, all created accounts are stored in the member DB according to the verification of the blockchain.

The information entered through the personal authentication DAPP can be displayed after authenticating the transaction on the blockchain node through verification of the transaction information for virtual asset transaction through the currency transaction DAPP.

In addition, it analyzes the electronic wallet including the amount information in the verification DAPP and displays the information between the payer and the recipient. Virtual asset transaction can be conducted based on the inputted information.

When confirming information, the currency transaction DAPP can provide convenience of use and complement the immutability of cryptocurrency by enumerating personal information in a manner that is easy to distinguish between us based on a verified public address.

On the other hand, information stored between blockchain nodes in a public key cryptography and method is accurately verified between parties and no one can interfere. When the information in the account is confirmed, whether or not to approve the transaction is made between the parties, and the payer confirms the recipient's information and decides to complete the payment by entering the secure private key. The determined payment information may be displayed as a summary of the transaction information to the payer and the recipient after identification of the currency transaction DAPP and the member DB.

That is, each server of the transaction unit according to the embodiment of the present invention is divided into a personal authentication DAPP, a verification DAPP, a currency transaction DAPP, and a currency exchange DAPP, but each server is connected to one by complementing and linking each other's functions. The transaction method through can also be organically linked and carried out.

According to the transaction unit discussed above, rapid virtual asset transaction between users is possible. On the other hand, there may be insufficient countermeasures against internal manipulation or hacking attacks, and communication units and management units may be used as countermeasures.

Transaction transparency and transaction stability can be ensured due to the additional authentication procedure by the management unit. However, there is a problem that the total transaction time increases due to the time required for the additional authentication procedure, but it may be offset with the reduced total transaction time depending on the transaction unit discussed above. Consequently, according to the present invention, an environment in which transaction transparency and stability are guaranteed without an increase in transaction time can be provided.

Considering that the 4th industrial revolution based on the blockchain is an industry led by ICT (Information and Communications Technologies) technology, it may be advantageous to lead the Ministry of Science and ICT. However, excessive intervention of the Ministry of Science and ICT may hinder the activation of the exchange. According to the present invention, only the server of the regulatory agency is managed by the Ministry of Science and ICT, so that the Ministry of Science and ICT can lead the ICT technology within the scope of ensuring the activation of the exchange.

It is necessary to actively promote the national blockchain pilot project by activating the ICT regulatory sandbox, and to institutionalize system standards for virtual asset exchanges and to develop related AI and blockchain-based exchange platforms and regulatory technology solutions to enable regulation like current banks. This is the time you need it. The virtual asset transaction management apparatus of the present invention can be a cornerstone in the development of a blockchain-based exchange platform.

According to the present invention, market manipulation transactions, money laundering, and autobiography transactions caused by hacking or internal manipulation can be reported to the server of a government regulatory agency. Therefore, in order to self-regulate cryptocurrency exchange illegal situations like a bank, the government with a regulatory agency server can establish technical requirements for the cryptocurrency exchange system and establish and promulgate regulations on operation. According to the present invention, a blockchain-based standard cryptocurrency exchange platform and a deep learning-based real-time fraud prevention, regulation violation monitoring and reporting system suitable for the era of the 4th industrial revolution can be provided.

The management unit of the present invention can prevent forgery and alteration by storing all transaction details and compliance details performed through the transaction unit in the blockchain. Compliance information may include whether or not a price manipulation transaction, money laundering, and autobiographical transaction.

According to the present invention, there is an effect of exiting unqualified exchanges that are appearing like a raindrop, and it is possible to promote transparency and stabilization of the exchange market and protect investors by eradicating fraudulent activities such as market manipulation and autobiographical trading. By providing smart regulatory technology based on artificial intelligence, management costs can be drastically reduced compared to existing regulatory systems.

The present invention can prevent forgery and alteration of fraudulent behavior of exchanges by developing blockchain-based regulatory technology. In addition, compliance violations can be automatically monitored by artificial intelligence robots in real time and reported to the regulatory agency server.

The present invention can provide a high-reliability alternative that can contribute to the government's policy governance through a big data analysis system, and can actively comply with the FATF international standard compliance policy for cryptographic assets and virtual assets of the Financial Analysis Institute (FIU). . According to the present invention, the required standard of an exchange can be established under the initiative of the government that manages the server of the regulatory agency.

Although the embodiments according to the present invention have been described above, these are merely exemplary, and those of ordinary skill in the art will understand that various modifications and equivalent ranges of embodiments are possible therefrom. Therefore, the true technical protection scope of the present invention should be determined by the following claims.

1...virtual asset transaction management device 10...user terminal
30...communication unit 31...first communication unit
32...2nd communication unit 33...3rd communication unit
35...Terminal communication unit 50...Management unit
51...the first monitoring unit 52...the second monitoring unit
53...3rd monitoring part 55...customer identification part
57...Administration Department 90...Regulatory Authority Server
100... transaction unit 200... personal authentication DAPP
300...verification DAPP 400...currency transaction DAPP
500... currency exchange DAPP 600... database
610...member DB 620...non-member DB
630...member electronic wallet DB 640...non-member electronic wallet DB
650... Currency Exchange Transaction DB

Claims (10)

A communication unit in communication with a user terminal or a regulatory agency server;
A transaction unit for processing a virtual asset transaction between the user terminals;
Includes; a management unit for checking transaction information between the user terminals through the transaction unit,
The management unit stops the transaction between the user terminals when the transaction information satisfies a preset prohibition condition.
The method of claim 1,
The transaction unit is a virtual asset transaction management apparatus that allows payment of the virtual asset only when it is further reconfirmed from the management unit that there is no defect in the transaction in a first state in which it is determined that there is no defect in the transaction.
The method of claim 1,
The management unit transfers the transaction information between the user terminals to the regulatory agency server through the communication unit,
The management unit receives an additional authentication result for the transaction information from the regulatory agency server,
The management unit is a virtual asset transaction management device that determines whether to pay the virtual asset between the user terminals according to the additional authentication result.
The method of claim 1,
The management unit self-generates an additional authentication result for the transaction information, and determines whether to pay a virtual asset to a specific user terminal by using the self-generated additional authentication result.
The method of claim 1,
A customer verification department is prepared,
The customer verification unit stores the user's ID card registration information, and allows the payment of the virtual asset only to the user terminal in which the ID card registration information is stored.
The method of claim 1,
The management unit is provided with a first monitoring unit for monitoring market price manipulation transactions, a second monitoring unit for monitoring money laundering, and a third monitoring unit for monitoring autorotation transactions,
The management unit is a virtual asset transaction management device that stops payment of the virtual asset for the transaction when a defect occurs in the monitoring result of any one of the first monitoring unit, the second monitoring unit, and the third monitoring unit. .
The method of claim 1,
The management unit is provided with a management unit,
When the management unit detects a transaction equal to or greater than a preset amount, the virtual asset transaction management device stores information of a party to a virtual asset transaction and reports the transaction information and the transaction party's information to the regulatory agency server in real time.
The method of claim 1,
The management unit is provided with a first monitoring unit for monitoring market price manipulation transactions, a second monitoring unit for monitoring money laundering, and a third monitoring unit for monitoring autorotation transactions,
The communication unit comprises a terminal communication unit communicating with the user terminal, a first communication unit forming a first communication channel between the first monitoring unit and the regulatory agency server, and a second communication channel between the second monitoring unit and the regulatory agency server. A second communication unit forming a second communication unit, and a third communication unit forming a third communication channel between the third monitoring unit and the regulatory agency server,
The terminal communication unit, the first communication unit, the second communication unit, and the third communication unit are each independently formed and operated virtual asset transaction management apparatus.
If the integrity of the virtual asset transaction between user terminals is verified, the first payment of the virtual asset is allowed,
In the first allowed state, the integrity of the preset second prohibition condition is additionally authenticated, and the payment of the virtual asset is performed only in the second permitted state in which additional authentication for the second prohibition condition is completed in the first permitted state,
The second prohibition condition is a virtual asset transaction management method including at least one of whether a price manipulation transaction, money laundering, and autobiography transaction.
The method of claim 9,
Virtual asset transaction management method for reporting the violation of the second prohibition condition to a regulatory agency server.

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