KR20210033688A - P2p foreign exchange direct dealing intermediation device using blockchain technology - Google Patents

Abstract

The present invention relates to a P2P foreign exchange direct transaction brokerage device using a blockchain technology, which includes: a direct transaction market register which receives a direct transaction sell request for a specific amount from a seller terminal, confirms the deposit for the specified amount, and registers direct transaction information in a direct transaction marketplace; a direct transaction contract generator which generates a foreign exchange direct transaction contract between a seller and a buyer by matching the direct transaction purchase request received from a buyer terminal with the direct transaction sell request; and a private token processing unit which issues a private token corresponding to the specific amount according to the foreign exchange direct transaction contract and processes token transfer through electronic wallets of the seller terminal and the buyer terminal.

Description

P2P foreign exchange direct brokerage device using blockchain technology {P2P FOREIGN EXCHANGE DIRECT DEALING INTERMEDIATION DEVICE USING BLOCKCHAIN TECHNOLOGY}

The present invention relates to a foreign exchange direct transaction brokerage technology, and more particularly, to a P2P foreign exchange direct transaction brokerage device using a block chain technology that provides a P2P exchange brokerage service online so that online transactions can be performed simply and safely.

Currently, currency exchange and overseas remittance through banks or financial institutions are common, but they have a problem that the burden of exchange loss (spread), exchange fees, and remittance fees due to foreign exchange purchases/sells is high. Due to the relaxation of regulations on fintech startups, many small overseas remittance companies have entered the market and are offering lower remittance fees than banks, but they are still transferring spread costs to users by applying an exchange rate higher than the standard exchange rate.

In addition, in order to save remittance fees and spread costs, direct exchange (transfer exchange) between individuals through acquaintances such as local Koreans is popular. There are difficulties that take a considerable amount of time.

Recently, using public coins such as Bitcoin and Ripple that are traded on cryptocurrency exchanges, remittance methods through coin purchase, transmission, receipt, and sale methods are being reviewed, but coin exchange fees are generated due to the purchase/sell of public coins, public coins. Several problems may arise when using cryptocurrencies traded on the coin exchange for overseas remittances, such as loss of purchase/selling due to price fluctuations in the public coin, and violation of the foreign exchange management law due to anonymous public coin transactions.

Korean Patent Publication No. 10-2002-0011603 (2002.02.09) Korean Patent Publication No. 10-2001-0008285 (2001.02.05)

An embodiment of the present invention is to provide a P2P foreign exchange direct transaction brokerage device using a blockchain technology that provides online P2P exchange brokerage services so that online transactions can be performed simply and safely.

An embodiment of the present invention is to provide a direct trading marketplace to provide a P2P foreign exchange direct transaction brokerage device using a blockchain technology that can connect foreign exchange sellers and buyers and increase the safety and visibility of transactions using electronic wallets and cryptographic tokens. .

One embodiment of the present invention is to prevent direct transaction matching between foreign exchange selling/buyer As a complementary measure, we intend to provide a P2P foreign exchange direct transaction brokerage device using blockchain technology that can directly mediate transactions by pre-purchase/pre-sell foreign exchange on behalf of buyers/sellers.

Among the embodiments, the P2P foreign exchange direct transaction brokerage device using the blockchain technology receives a direct transaction request for a specific amount from the seller terminal, confirms the deposit for the specific amount, and registers it in the direct transaction marketplace, from the buyer terminal. A direct transaction contract generation unit that creates a foreign exchange direct transaction contract between the seller and the buyer by matching the received direct transaction purchase request with the direct transaction sale request, and issues a private token corresponding to the specific amount according to the foreign exchange direct transaction contract, and the above A private token processing unit that processes token transmission through the electronic wallet of each of the seller terminal and the buyer terminal, and a direct transaction contract brokerage unit that processes the execution of the foreign exchange direct transaction contract based on the transmission result of the private token.

The direct transaction marketplace registration unit may check the deposit through linkage with an account opened in an affiliated bank or an internal virtual account, and may vary and apply the deposit confirmation step and the marketplace registration step.

The foreign exchange direct transaction contract generator may receive a direct transaction purchase reservation from the buyer terminal and transmit a notification message to the buyer terminal when a direct transaction sale request matching the direct transaction purchase reservation is registered in the direct transaction marketplace.

The foreign exchange direct transaction contract generator determines a pairing contract that matches the foreign exchange direct transaction contract when the foreign exchange direct transaction contract is a contract between different countries, and the private token processor determines the seller for each contract for the foreign exchange direct transaction contract and the pairing contract. Token transmission can be processed symmetrically between terminals and buyer terminals.

The private token processing unit transmits tokens from the seller terminal of the foreign exchange direct transaction contract to the seller terminal of the pairing contract and the pairing contract from the buyer terminal of the foreign exchange direct transaction contract when the deposit information from the buyer terminal of the foreign exchange direct transaction contract is confirmed. Token transmission to the buyer's terminal can be handled automatically.

The private token processing unit automatically processes the issuance of the private token and transmission to the seller terminal when the deposit information from the seller terminal is confirmed when the foreign exchange direct transaction contract is a contract within the same country, and deposits from the buyer terminal. When the information is confirmed, transmission of the private token from the seller terminal to the buyer terminal may be automatically processed.

The foreign exchange direct transaction contract intermediary unit may receive a request for any one of withdrawal of foreign currency, storage of foreign currency, and overseas remittance for the private token from the buyer terminal and process it as the execution of the foreign exchange direct transaction contract.

When the creation of the foreign exchange direct transaction contract is delayed, the foreign exchange direct transaction contract brokering unit may pre-purchase the direct transaction sale request to pre-process the payment of the specific amount to the seller terminal.

The disclosed technology can have the following effects. However, since it does not mean that a specific embodiment should include all of the following effects or only the following effects, it should not be understood that the scope of the rights of the disclosed technology is limited thereby.

The P2P foreign exchange direct transaction brokerage device using the blockchain technology according to an embodiment of the present invention provides a matching service that connects foreign exchange sellers and buyers, and an electronic wallet and an encrypted token to securely close the final transaction. A safety device can be provided.

The P2P foreign exchange direct transaction brokerage device using the block chain technology according to an embodiment of the present invention can directly mediate the transaction by pre-purchase/pre-sell foreign exchange on behalf of the buyer/seller as a complement to the delay in direct transaction matching between foreign exchange sales/buyers. I can.

1 is a diagram illustrating a foreign exchange direct transaction brokerage system according to an embodiment of the present invention.
FIG. 2 is a block diagram illustrating the physical configuration of the foreign exchange direct transaction intermediary device in FIG. 1.
FIG. 3 is a block diagram illustrating the functional configuration of the foreign exchange direct transaction brokerage apparatus in FIG. 1.
FIG. 4 is a flowchart illustrating a P2P foreign exchange direct transaction brokering process performed by the foreign exchange direct transaction brokering apparatus shown in FIG. 1.
5 is a diagram illustrating an embodiment of a direct sale request registered in a direct transaction marketplace.
6 is a diagram illustrating a domestic exchange process performed by the foreign exchange direct transaction intermediary device in FIG. 1.
7 is a diagram illustrating an overseas remittance process performed by the foreign exchange direct transaction intermediary device in FIG. 1.

Since the description of the present invention is merely an embodiment for structural or functional description, the scope of the present invention should not be construed as being limited by the embodiments described in the text. That is, since the embodiments can be variously changed and have various forms, the scope of the present invention should be understood to include equivalents capable of realizing the technical idea. In addition, since the object or effect presented in the present invention does not mean that a specific embodiment should include all or only such effects, the scope of the present invention should not be understood as being limited thereto.

Meanwhile, the meaning of terms described in the present application should be understood as follows.

Terms such as "first" and "second" are used to distinguish one component from other components, and the scope of rights is not limited by these terms. For example, a first component may be referred to as a second component, and similarly, a second component may be referred to as a first component.

When a component is referred to as being "connected" to another component, it should be understood that although it may be directly connected to the other component, another component may exist in the middle. On the other hand, when it is mentioned that a component is "directly connected" to another component, it should be understood that there is no other component in the middle. On the other hand, other expressions describing the relationship between components, that is, "between" and "just between" or "neighboring to" and "directly neighboring to" should be interpreted as well.

Singular expressions are to be understood as including plural expressions unless the context clearly indicates otherwise, and terms such as "comprises" or "have" refer to implemented features, numbers, steps, actions, components, parts, or It is to be understood that it is intended to designate that a combination exists and does not preclude the presence or addition of one or more other features, numbers, steps, actions, components, parts, or combinations thereof.

In each step, the identification code (e.g., a, b, c, etc.) is used for convenience of explanation, and the identification code does not describe the order of each step, and each step has a specific sequence clearly in the context. Unless otherwise stated, it may occur differently from the stated order. That is, each of the steps may occur in the same order as the specified order, may be performed substantially simultaneously, or may be performed in the reverse order.

The present invention can be implemented as computer-readable code on a computer-readable recording medium, and the computer-readable recording medium includes all types of recording devices storing data that can be read by a computer system. . Examples of computer-readable recording media include ROM, RAM, CD-ROM, magnetic tapes, floppy disks, and optical data storage devices. Further, the computer-readable recording medium is distributed over a computer system connected by a network, so that computer-readable codes can be stored and executed in a distributed manner.

All terms used herein have the same meaning as commonly understood by one of ordinary skill in the field to which the present invention belongs, unless otherwise defined. Terms defined in commonly used dictionaries should be construed as having meanings in the context of related technologies, and cannot be construed as having an ideal or excessively formal meaning unless explicitly defined in the present application.

1 is a diagram illustrating a foreign exchange direct transaction brokerage system according to an embodiment of the present invention.

Referring to FIG. 1, the foreign exchange direct transaction brokerage system 100 may include a user terminal 110, a foreign exchange direct transaction brokerage device 130, a database 150, and an affiliate server 170.

The user terminal 110 may correspond to a computing device that can use a foreign exchange direct transaction brokerage service, and may be implemented as a smartphone, a laptop, or a computer, and is not necessarily limited thereto, and may be implemented as various devices such as a tablet PC. have. The user terminal 110 may be connected to the foreign exchange direct transaction intermediary device 130 through a network, and a plurality of user terminals 110 may be connected to the foreign exchange direct transaction intermediary device 130 at the same time. In FIG. 1, the user terminal 110 may include a seller terminal 110a and a buyer terminal 110b.

The foreign exchange direct transaction brokerage device 130 may be implemented as a server corresponding to a computer or program that provides a P2P foreign exchange direct transaction brokerage service online. The foreign exchange direct transaction intermediary device 130 may be wirelessly connected to the user terminal 110 through Bluetooth, WiFi, a communication network, and the like, and may exchange data with the user terminal 110 through a network.

In one embodiment, the foreign exchange direct transaction intermediary device 130 may store information necessary in the process of providing a P2P foreign exchange direct transaction intermediary service in connection with the database 150. Meanwhile, unlike FIG. 1, the foreign exchange direct transaction intermediary device 130 may be implemented by including the database 150 therein. The foreign exchange direct transaction intermediary device 130 may be implemented including a processor, a memory, a user input/output unit, and a network input/output unit, which will be described in more detail with reference to FIG. 2.

In one embodiment, the foreign exchange direct transaction intermediary device 130 may store transaction information generated in a process of issuing and transmitting a private token in a block chain method by interlocking with the database 150. The database 150 implemented as a block chain may operate in conjunction with an external system, and, for example, may store information on token transactions for direct foreign exchange brokerage through interworking with the affiliate server 170.

In one embodiment, the foreign exchange direct transaction intermediary device 130 includes a first server that performs processing on a direct transaction marketplace, a second server that performs processing on a private token, and a third server that performs processing on a virtual account. Can be implemented. The first to third servers may be independently implemented as physical devices, but may be independently implemented as logical devices by being included in one device according to an implementation environment.

The database 150 may correspond to a storage device that stores various pieces of information required during the operation of the foreign exchange direct transaction intermediary device 130. The database 150 may store information on the operation of a direct marketplace, and may store information on the issuance and transmission of private tokens, and is not necessarily limited thereto, and the foreign direct transaction brokerage device 130 is a P2P foreign exchange direct transaction brokerage service. In the process of providing information, information collected or processed in various forms may be stored.

In one embodiment, the database 150 may be implemented as an independent blockchain network for storing transaction information regarding private tokens. In this case, the blockchain network can be implemented as a private blockchain to ensure the safety of transactions, and the transfer of private tokens can be performed only between the parties to the foreign exchange direct transaction contract.

The affiliate server 170 is an external system that operates independently from the foreign exchange direct transaction intermediary device 130 and may correspond to a computing device capable of handling the movement of funds between parties to the foreign exchange direct transaction contract, and may be used as a smartphone, a laptop, or a computer. It may be implemented, but is not necessarily limited thereto, and may be implemented in various devices such as a tablet PC. The affiliate server 170 may be connected to the foreign exchange direct transaction intermediary device 130 through a network, and may process the execution of the foreign exchange direct transaction contract through mutual interworking. The affiliate server 170 may correspond to a pre-contracted affiliate bank, and may perform a role of providing safety in foreign exchange transactions between individuals by ensuring payment to the parties of the foreign exchange direct transaction contract according to the contract.

FIG. 2 is a block diagram illustrating the physical configuration of the foreign exchange direct transaction intermediary device shown in FIG. 1.

Referring to FIG. 2, the foreign exchange direct transaction intermediary device 130 may include a processor 210, a memory 230, a user input/output unit 250, and a network input/output unit 270.

The processor 210 may execute a procedure for processing each detailed operation during the operation of the foreign exchange direct transaction intermediary device 130, and manage the memory 230 that is read or written throughout the process, and the memory ( 230), the synchronization time between the volatile memory and the non-volatile memory can be scheduled. The processor 210 can control the overall operation of the foreign exchange direct transaction intermediary device 130, and is electrically connected to the memory 230, the user input/output unit 250, and the network input/output unit 270 to control the data flow between them. can do. The processor 210 may be implemented as a CPU (Central Processing Unit) of the foreign exchange direct transaction intermediary device 130.

The memory 230 is implemented as a nonvolatile memory such as a solid state drive (SSD) or a hard disk drive (HDD), and may include an auxiliary storage device used to store all data required for the foreign exchange direct transaction intermediary device 130, and , A main memory device implemented as a volatile memory such as random access memory (RAM).

The user input/output unit 250 may include an environment for receiving a user input and an environment for outputting specific information to a user. For example, the user input/output unit 250 may include an input device including an adapter such as a touch pad, a touch screen, an on-screen keyboard, or a pointing device, and an output device including an adapter such as a monitor or a touch screen. In one embodiment, the user input/output unit 250 may correspond to a computing device connected through a remote connection, and in that case, the foreign exchange direct transaction intermediary device 130 may be performed as a server.

The network input/output unit 270 includes an environment for connecting to an external device or system through a network, for example, a local area network (LAN), a metropolitan area network (MAN), a wide area network (WAN), and a VAN ( Value Added Network) may include an adapter for communication.

FIG. 3 is a block diagram illustrating the functional configuration of the foreign exchange direct transaction brokerage apparatus in FIG. 1.

3, the foreign exchange direct transaction brokerage device 130 includes a direct transaction marketplace registration unit 310, a direct transaction contract generation unit 330, a private token processing unit 350, a direct transaction contract brokerage unit 370 and a control unit 390 can do.

The direct transaction marketplace registration unit 310 may receive a direct transaction sale request for a specific amount from the seller terminal 110a, check the deposit for the specific amount, and register in the direct transaction marketplace. That is, a seller who wants to exchange domestic currency or remittance abroad can enter a direct transaction request for a specific amount desired for currency exchange or remittance through the seller's terminal 110a, and register a direct transaction marketplace when depositing a specific amount of real money. Can be done.

In addition, even when a direct transaction sale request is received, the direct transaction market register 310 may wait for registration in a direct transaction marketplace when the deposit for a specific amount is not completed, and the waiting time for registration is determined for each direct transaction sale request. Can be set. If the deposit fails until the registration waiting time elapses, the direct transaction marketplace registration unit 310 may reject the request to sell the direct transaction. The direct transaction marketplace registration unit 310 may extract related information from the direct transaction sale request and generate the sale information for registration in the direct transaction marketplace, and the configuration of the sale information may be set in advance by the foreign exchange direct transaction intermediary device 130. .

In one embodiment, the direct transaction marketplace registration unit 310 may check the deposit through linkage with an account opened at an affiliated bank or an internal virtual account, and may vary and apply the deposit confirmation step and the marketplace registration step. When operating in conjunction with the affiliated bank, the user may deposit and withdrawal from the affiliated bank, and the direct marketplace registration unit 310 can share information on the deposit and withdrawal through the affiliated bank. When operating in conjunction with the internal virtual account, the user can directly deposit and withdrawal to the internal virtual account, and the direct marketplace register 310 can check information on the direct deposit and withdrawal through internal communication.

In addition, the direct sales market register 310 can register foreign exchange sales in the direct sales market only when the direct sales request and deposit for a specific amount are all completed. Can be registered and the deposit for a specific amount can be processed after registration. The direct transaction marketplace registration unit 310 may cancel the registration if the deposit is not processed within a specific period after pre-registration, and may transmit a notification message regarding cancellation of the registration to the seller terminal 110a if pre-registered.

The direct transaction contract generation unit 330 may generate a foreign exchange direct transaction contract between the seller and the buyer by matching the direct transaction purchase request received from the buyer terminal 110b with the direct transaction sale request. For example, in the case of domestic currency exchange, a seller who wants to convert a certain amount of U.S. dollars into Korean won can register a direct sale request for that specific amount in the direct transaction market, and the Korean won corresponding to that specific amount is converted into U.S. dollars. When the buyer who wants to exchange currency inputs a direct transaction purchase request through the buyer terminal 110b, the direct transaction contract generation unit 330 matches the seller and the buyer to create a contract for exchange between KRW and US dollars as a foreign exchange direct transaction contract. I can. The direct transaction contract generation unit 330 may limit a search for a request to sell a corresponding direct transaction in a direct transaction market when the creation of the foreign exchange direct transaction contract is completed.

In one embodiment, the direct transaction contract generator 330 receives a direct transaction purchase reservation from the buyer terminal 110b and a notification message to the buyer terminal 110b when a direct transaction sale request matching the direct transaction purchase reservation is registered in the direct transaction marketplace Can be transmitted. Here, the direct transaction purchase reservation may correspond to inputting and registering conditions for the direct transaction purchase request in advance when the buyer who desires the direct transaction does not find a desired direct transaction sale request in the direct transaction marketplace.

When a direct transaction purchase reservation is received from the purchaser terminal 110b, the direct transaction contract generator 330 may associate with the purchaser terminal 110b and store it. In addition, the direct transaction contract generation unit 330 can detect whether a matching direct transaction purchase reservation exists each time a direct transaction sale request is registered by the direct transaction marketplace registration unit 310, and is a buyer terminal 110b associated with the detected direct transaction purchase reservation. You can send a notification message to you.

In an embodiment, when the direct foreign exchange contract generation unit 330 is a contract between different countries, the direct foreign exchange contract may determine a pairing contract that matches the direct foreign exchange contract. Here, the pairing contract is a contract for an amount equal to the amount of the foreign exchange direct transaction contract according to a pairing method that processes overseas remittance, and may correspond to a contract in which the remittance direction between countries is opposite to the foreign exchange direct transaction contract. That is, the foreign exchange direct transaction intermediary device 130 may process foreign remittances through a pairing method, thereby preventing actual movement of funds between countries and allowing transactions to be made at a reference exchange rate without a foreign exchange loss (spread).

In one embodiment, the direct transaction contract generation unit 330 may generate a foreign exchange direct transaction contract as a blockchain-based smart contract. A smart contract is a digital electronic contract that pre-sets the contract conditions of the contracting party, and when all of the conditions are satisfied, it can correspond to a contract in which the contract contents are automatically processed, and can operate on a blockchain. In another embodiment, the direct transaction contract generator 330 may generate a blockchain-based smart contract for each matched case independently from the creation of the foreign exchange direct transaction contract.

The private token processing unit 350 may issue a private token corresponding to a specific amount according to a foreign exchange direct transaction contract, and may process token transmission through an electronic wallet of each of the seller terminal 110a and the buyer terminal 110b. Private tokens are cryptocurrencies based on a private black chain network and are stored and managed in a private blockchain, so transaction details and actions may not be shared and tracked except for authorized participants. The seller and the buyer may proceed with a certain membership registration procedure in order to use the foreign exchange direct transaction brokerage service, and may install an electronic wallet in each of the seller terminal 110a and the buyer terminal 110b in advance.

Through this, the foreign exchange direct transaction intermediary device 130 uses a blockchain-based private token issued internally in order to secure the safety of remittance accidents and transactions, which are the biggest concerns of direct transactions between individuals, for visibility and transparency of funds movement. Can improve. In particular, the foreign exchange direct transaction intermediary device 130 uses the self-issued private token using blockchain technology only as a purpose (functional coin) to secure transparency of funds movement and transaction safety, thereby making a public token traded on a coin exchange. ), compared to currency exchange and remittance, it can provide cost reduction and simplified transaction process.

In one embodiment, the private token processing unit 350 may symmetrically process the token transmission between the seller terminals 110a and the buyer terminals 110b for each contract for a foreign exchange direct transaction contract and a pairing contract. That is, in order to process overseas remittance in a pairing method, token transmission between each seller terminal 110a and between each buyer terminal 110b rather than between actual contracting parties may be performed internally. At this time, the transmission direction of the token transmission between the respective seller terminals 110a and the token transmission between the respective buyer terminals 110b may be different from each other.

In one embodiment, the private token processing unit 350 transmits the token from the seller terminal 110a of the foreign direct transaction contract to the seller terminal 110a of the pairing contract when the deposit information from the buyer terminal 110b of the foreign exchange direct transaction contract is confirmed. It is possible to automatically process the transmission of the token from the terminal 110b, which is the purchaser of the foreign exchange direct transaction contract, to the terminal 110b, which is the purchaser of the pairing contract. In this case, the deposit information may be shared through an affiliated bank or an internal virtual account, and the private token processing unit 350 is provided with the deposit information from the terminal 110b, which is the purchaser of the foreign exchange direct transaction contract, from the terminal 110b, which is the purchaser of the pairing contract. You can also check the deposit information.

In one embodiment, the private token processing unit 350 automatically processes transmission to the seller terminal 110a together with the issuance of a private token when the deposit information from the seller terminal 110a is confirmed when the foreign exchange direct transaction contract is a contract within the same country. And, when the deposit information from the buyer terminal 110b is confirmed, transmission of the private token from the seller terminal 110a to the buyer terminal 110b may be automatically processed.

At this time, the deposit information may be shared through an affiliated bank or an internal virtual account, and in the case of domestic currency exchange, the private token processing unit 350 may automatically process the transfer of the private token according to the deposit of currency. The transmission of the private token may be processed between electronic wallets, and the transmission result may be automatically reported to the private token processing unit 350.

In one embodiment, the private token processing unit 350 may automatically manage the issuance and disposal of the private token. More specifically, when the deposit information from the seller terminal 110a is confirmed, the private token processing unit 350 issues a private token and transmits it to the seller terminal 110a or transfers the private token stored in the internal virtual account without issuing tokens to the seller. It can be transmitted to the terminal 110a. In addition, the private token processing unit 350 may discard the previously issued private tokens by a preset number when the number of issuance of private tokens exceeds the reference number.

The direct transaction contract broker 370 may process the execution of the foreign exchange direct transaction contract based on the transmission result of the private token. The direct transaction contract intermediary unit 370 may receive a transmission result from the private token processing unit 350 and may process the execution of the foreign exchange direct transaction contract according to the transmission result. In the case of domestic currency exchange, the direct transaction contract broker 370 may provide the converted amount to the seller and the buyer, respectively, as the execution of the foreign exchange direct transaction contract. In the case of overseas remittance, the direct transaction contract intermediary unit 370 may provide the buyer with the amount remitted by the seller as the execution of the foreign exchange direct transaction contract.

In one embodiment, the direct transaction contract intermediary unit 370 may receive a request for any one of withdrawal of foreign currency, storage of foreign currency, and overseas remittance for the private token from the buyer terminal 110b and process it as the execution of the foreign exchange direct transaction contract. . The buyer can request withdrawal of foreign currency through the buyer terminal 110b, and the direct transaction contract broker 370 exchanges for the private token stored in the electronic wallet of the buyer terminal 110b to obtain the corresponding amount of real money. Can be provided to.

In addition, the buyer can request the storage of foreign currency through the buyer's terminal 110b, and in this case, the direct transaction contract broker 370 treats the execution of the foreign exchange direct transaction contract as being completed, and the buyer stores the private token in the electronic wallet to finance exchange profits. You can try. In addition, the buyer may request an overseas remittance through the buyer terminal 110b, and the direct transaction contract broker 370 may transmit the private token to a third party designated by the buyer.

In one embodiment, the direct transaction contract intermediary unit 370 may pre-purchase a direct transaction sale request and pre-process payment for a specific amount to the seller terminal 110a when the creation of the foreign exchange direct transaction contract is delayed. That is, when the creation of a foreign exchange direct transaction contract is delayed due to a matching delay, the direct transaction contract intermediary unit 370 may directly mediate the transaction by pre-purchasing a direct sale request.

Therefore, in the case of domestic currency exchange, the seller can obtain the converted amount immediately after the deposit, and in the case of overseas remittance, the buyer can obtain the remitted amount immediately after the seller's deposit. In addition, even if the direct transaction sale request is pre-purchased, the direct transaction contract intermediary unit 370 may register the direct transaction sale request in the direct transaction market and process the subsequent process in the same manner.

In an embodiment, the direct transaction contract broker 370 may provide a price adjustment negotiation function between contracting parties in the process of executing a foreign exchange direct transaction contract. In another embodiment, the direct transaction contract broker 370 may provide an auction transaction function between the parties to the foreign exchange direct transaction contract.

The control unit 390 controls the overall operation of the foreign exchange direct transaction intermediary device 130, and controls between the direct transaction marketplace registration unit 310, the direct transaction contract generation unit 330, the private token processing unit 350, and the direct transaction contract intermediary unit 370. You can manage the flow or data flow.

FIG. 4 is a flowchart illustrating a P2P foreign exchange direct transaction brokerage process performed by the foreign exchange direct transaction brokerage apparatus in FIG. 1.

4, the foreign exchange direct transaction intermediary device 130 receives a direct transaction request for a specific amount from the seller terminal 110a through the direct transaction marketplace registration unit 310, confirms the deposit for the specific amount, and registers it in the direct transaction marketplace. It can be done (step S410). The foreign exchange direct transaction intermediary device 130 may generate a foreign exchange direct transaction contract between the seller and the buyer by matching the direct transaction purchase request received from the buyer terminal 110b through the direct transaction contract generation unit 330 with the direct transaction sale request (step S430 ).

In addition, the foreign exchange direct transaction intermediary device 130 issues a private token corresponding to a specific amount according to the foreign exchange direct transaction contract through the private token processing unit 350, and through the electronic wallet of each of the seller terminal 110a and the buyer terminal 110b. Token transmission can be processed (step S450). The foreign exchange direct transaction brokerage device 130 may process the execution of the foreign exchange direct transaction contract based on the transmission result of the private token through the direct transaction contract brokerage unit 370 (step S470).

5 is a diagram illustrating an embodiment of a direct sale request registered in a direct transaction marketplace.

Referring to FIG. 5, the foreign exchange direct transaction intermediary device 130 may receive a direct transaction sale request for a specific amount from the seller terminal 110a, check the deposit for the specific amount, and register in the direct transaction marketplace. A sale registered in a direct transaction marketplace may be created in response to a direct sale request. The direct transaction sale detailed information 510 may include a transaction type, a sale currency, a desired sale amount, a KRW-translated amount, a transaction desired time point, a transaction code, and a seller ID.

In addition, the items registered in the direct marketplace may be implemented including a shopping cart menu and a purchase menu. The buyer can check the listing information registered in the direct transaction market through the buyer terminal 110b, and can store the desired direct sale request in the shopping cart or attempt a purchase.

6 is a diagram illustrating a domestic exchange process performed by the foreign exchange direct transaction intermediary device in FIG. 1.

6A corresponds to a direct transaction process through an affiliated bank, FIG. 6B corresponds to a direct transaction process through an intermediary virtual account, and FIG. 6C corresponds to a transaction direct brokerage process through a foreign exchange pre-purchase/sell of an intermediary.

Referring to FIG. 6, the foreign exchange direct transaction brokerage device 130 may provide a foreign exchange direct transaction brokerage service (domestic currency exchange) between domestic residents/residents. In the case of FIG. 6A, the foreign exchange direct transaction brokerage device 130 may provide a foreign exchange direct transaction brokerage service in connection with the affiliate server 170 operated by the affiliated bank.

More specifically, ① foreign currency sellers in Korea can deposit foreign currency into the account of the affiliated bank. ② Affiliated banks can share foreign currency deposit information in connection with the foreign exchange direct transaction intermediary device 130. ③ The foreign exchange direct transaction intermediary device 130 may transmit the token to the foreign currency seller's electronic wallet when the deposit of the foreign currency seller is confirmed. At the same time, foreign exchange sales can be automatically registered in the direct marketplace.

④ The foreign exchange direct transaction intermediary device 130 may match a transaction between a foreign currency seller and a foreign currency buyer in Korea with respect to the registered foreign exchange sale. ⑤ The buyer of the matched foreign currency can deposit KRW in the account of the affiliated bank. ⑥ Affiliated banks may share information on deposits in KRW in connection with the foreign exchange direct transaction intermediary device 130. ⑦ Affiliated banks may pay the foreign currency seller in KRW upon confirmation of the foreign currency buyer's deposit.

⑧ The foreign exchange direct transaction intermediary device 130 may automatically process the transfer of tokens from the foreign currency seller's electronic wallet to the foreign currency buyer's electronic wallet when the payment in won to the foreign currency seller is completed in connection with the affiliated bank. ⑨ Foreign currency buyers can choose between withdrawal of foreign currency, storage of foreign currency, and overseas remittance based on the received tokens.

⑩ When the foreign currency buyer chooses to withdraw foreign currency, the foreign exchange direct transaction intermediary device 130 may automatically process the transfer of tokens from the foreign currency buyer's electronic wallet to the affiliated bank's electronic wallet. ⑪ The affiliated bank can pay the foreign currency buyer after confirming the token transfer.

In the case of FIG. 6B, the foreign exchange direct transaction brokerage device 130 may provide a foreign exchange direct transaction brokerage service using an internal virtual account. The specific operation process may be the same as that of FIG. 6A, and in this case, the internal virtual account may serve as an affiliated bank.

In the case of FIG. 6C, the foreign exchange direct transaction intermediary device 130 may directly broker the foreign exchange direct transaction between the seller and the buyer through the pre-purchase/sell of foreign exchange. More specifically, ① foreign currency sellers in Korea can deposit foreign currency into an internal virtual account. ② When the foreign currency seller's deposit is confirmed, the foreign exchange direct transaction intermediary device 130 may pay the foreign currency seller in won. That is, the foreign exchange direct transaction intermediary device 130 may pre-purchase foreign exchange sales.

③ The foreign exchange direct transaction intermediary device 130 may register foreign exchange sales in the direct transaction market after the payment in won to the foreign currency seller. ④ The foreign exchange direct transaction intermediary device 130 may match a transaction between a foreign currency seller and a foreign currency buyer in Korea with respect to the registered foreign exchange sale. In this case, the foreign exchange direct transaction intermediary device 130 may provide a split transaction function.

⑤ The buyer of the matched foreign currency can deposit KRW in the internal virtual account. ⑥ The foreign exchange direct transaction intermediary device 130 may transmit a token from the internal electronic wallet to the foreign currency buyer's electronic wallet when the deposit of the foreign currency buyer is confirmed. ⑦ Foreign currency buyers can choose between withdrawal of foreign currency, storage of foreign currency, and overseas remittance based on the received tokens.

7 is a diagram illustrating an overseas remittance process performed by the foreign exchange direct transaction intermediary device in FIG. 1.

FIG. 7A corresponds to a direct transaction process through an affiliated bank, FIG. 7B corresponds to a direct transaction process through a virtual account at a brokerage center, and FIG. 7C corresponds to a transaction direct brokerage process through a foreign exchange pre-purchase/sell at an agency.

Referring to FIG. 7, the foreign exchange direct transaction intermediary device 130 may provide a foreign exchange direct transaction brokerage service (overseas remittance) between a domestic resident/resident and an overseas resident/resident. In the case of FIG. 7A, the foreign exchange direct transaction brokerage device 130 may provide a foreign exchange direct transaction brokerage service in connection with the affiliate server 170 operated by the affiliated bank. More specifically, ① foreign currency sellers overseas can deposit foreign currency into the overseas account of the affiliated bank. ② The affiliated bank can share foreign currency deposit information in connection with the foreign currency direct transaction brokerage device 130, and the foreign currency direct transaction brokerage device 130 can transmit the token to the foreign currency seller's electronic wallet when the foreign currency seller's deposit is confirmed. ③ The foreign exchange direct transaction intermediary device 130 may register a foreign currency sale in the direct transaction market when the token transmission is completed.

④ The foreign exchange direct transaction intermediary device 130 may match a transaction between a foreign currency seller and a foreign currency buyer in Korea with respect to the registered foreign currency sale. ⑤ The buyer of the matched foreign currency may remit (or deposit) KRW for purchases in dollars to the Korean account of the affiliated bank. ⑥ Affiliated banks may share KRW deposit information in connection with the foreign exchange direct transaction brokerage device 130, and the foreign currency direct transaction brokerage device 130 may transmit the token to the foreign currency buyer's electronic wallet when the foreign currency buyer's deposit is confirmed.

On the other hand, ⑤'Tokens transferred to foreign currency sellers overseas as a party to a foreign exchange direct transaction contract may be transferred to a foreign currency seller in Korea as a party to the pairing agreement. ⑥'Foreign exchange direct transaction intermediary device 130 can automatically receive tokens corresponding to the corresponding amount when a foreign currency seller in Korea requests payment in won. ⑦ Foreign exchange direct transaction intermediary device 130 may pay KRW to foreign currency sellers in Korea when the token transfer is completed.

On the other hand, ⑦'Tokens transferred to foreign currency buyers in Korea as a party to a foreign exchange direct transaction contract may be transferred to foreign currency buyers overseas as a party to the pairing agreement. ⑧ The foreign exchange direct transaction intermediary device 130 may automatically receive tokens corresponding to the corresponding amount when a foreign currency buyer requests foreign currency payment. ⑨ The foreign exchange direct transaction intermediary device 130 may pay foreign currency to foreign currency buyers overseas when the token transfer is completed.

In the case of FIG. 7B, the foreign exchange direct transaction brokerage device 130 may provide a foreign exchange direct transaction brokerage service using an internal virtual account including a Korean account and an overseas account. The specific operation process may be the same as that of FIG. 7A, and in this case, the internal virtual account may serve as an affiliated bank.

In the case of FIG. 7C, the foreign exchange direct transaction intermediary device 130 may directly broker the foreign exchange direct transaction between the seller and the buyer through the pre-purchase/sell of foreign exchange. More specifically, ① foreign currency sellers overseas can deposit foreign currency into their internal overseas accounts. ② When the foreign currency seller's deposit is confirmed, the foreign exchange direct transaction intermediary device 130 may transmit the corresponding amount of tokens to the foreign currency seller's electronic wallet. That is, the foreign exchange direct transaction intermediary device 130 may pre-purchase foreign currency sales. ③ The foreign exchange direct transaction intermediary device 130 may register a foreign currency sale in the direct transaction market when the token transmission is completed.

(④'On the other hand, tokens prepaid to foreign currency sellers overseas can be transferred to foreign currency sellers in Korea as a party to the pairing contract. ⑤'Foreign exchange direct transaction intermediary device 130 is used by foreign currency sellers in Korea to pay KRW in Korean won. If requested, the corresponding amount of tokens can be automatically transmitted.) ⑥'Foreign exchange direct transaction intermediary device 130 may pay KRW to foreign currency sellers in Korea when the token transmission is completed.)

④ The foreign exchange direct transaction intermediary device 130 may match a transaction between a foreign currency seller and a foreign currency buyer in Korea with respect to the registered foreign currency sale. At this time, the foreign exchange direct transaction intermediary device 130 may provide a split transaction function. ⑤ The buyer of the matched foreign currency may remit (or deposit) KRW for purchases in dollars to an internal Korean account. ⑥ The foreign exchange direct transaction intermediary device 130 may transmit the token to the foreign currency buyer's electronic wallet when the deposit of the foreign currency buyer is confirmed.

⑦ Tokens transferred to foreign currency buyers in Korea as a party to a foreign exchange direct transaction contract may be transferred to foreign currency buyers overseas as a party to the pairing agreement. ⑧ The foreign exchange direct transaction intermediary device 130 may automatically receive tokens corresponding to the corresponding amount when a foreign currency buyer requests foreign currency payment. ⑨ The foreign exchange direct transaction intermediary device 130 may pay foreign currency to foreign currency buyers overseas when the token transfer is completed.

The foreign exchange direct transaction intermediary device 130 may provide a marketplace for direct transactions between individuals, and in the case of overseas remittances, remittances within the same country without transfer of funds between countries may be processed to minimize service costs. In addition, since the foreign exchange direct transaction intermediary device 130 uses a private token and an electronic wallet based on blockchain technology, it is possible to increase the safety and visibility of transactions. On the other hand, since the foreign exchange direct transaction intermediary device 130 is a principle of transaction of funds between domestic accounts, user authentication is possible with only the account number, account holder, and phone number, and the service procedure is minimized by using a certificate using blockchain technology in the user authentication process. can do.

The foreign exchange direct transaction intermediary device 130 may provide real-time to the seller/buyer through a messenger (Ka-talk), SMS, app notification, etc., which have previously registered the progress of foreign exchange selling/buyer-to-buyer deposit and remittance. The foreign exchange direct transaction intermediary device 130 applies the exchange rate based on the exchange rate for each day of the exchange rate information providing institution with public confidence (for example, Google exchange rate) in the foreign exchange direct transaction between individuals, but has a related function to enable price adjustment or auction transactions under bilateral agreement. Can provide.

Although the above has been described with reference to preferred embodiments of the present invention, those skilled in the art will variously modify and change the present invention within the scope not departing from the spirit and scope of the present invention described in the following claims. You will understand that you can do it.

100: Forex direct transaction brokerage system
110: user terminal 110a: seller terminal
110b: buyer terminal 130: foreign exchange direct transaction brokerage device
150: database 170: affiliate server
210: processor 230: memory
250: user input/output unit 270: network input/output unit
310: Direct transaction market register 330: Direct transaction contract generation unit
350: Private token processing unit 370: Direct transaction contract brokerage unit
390: control unit
510: Direct Selling Details

Claims (8)

A direct transaction market register for receiving a direct transaction sale request for a specific amount from the seller terminal, confirming the deposit for the specific amount, and registering the direct transaction market;
A direct transaction contract generator for generating a foreign exchange direct transaction contract between the seller and the buyer by matching the direct transaction purchase request received from the buyer terminal with the direct transaction sale request;
A private token processing unit for issuing a private token corresponding to the specific amount according to the foreign exchange direct transaction contract and processing token transmission through an electronic wallet of each of the seller terminal and the buyer terminal; And
A peer-to-peer foreign exchange direct transaction brokerage device using a block chain technology including a direct transaction contract broker that processes the execution of the foreign exchange direct transaction contract based on the transmission result of the private token.
The method of claim 1, wherein the direct marketplace registration unit
A peer-to-peer foreign exchange direct transaction brokerage device using a blockchain technology, characterized in that the deposit is verified through interlocking with an account opened at an affiliated bank or an internal virtual account, and applying a variable before and after the deposit confirmation step and the marketplace registration step.
The method of claim 1, wherein the foreign exchange direct transaction contract generation unit
P2P foreign exchange direct transaction brokerage using blockchain technology, characterized in that when a direct transaction purchase reservation is received from the buyer terminal and a direct transaction sale request matching the direct transaction purchase reservation is registered in the direct transaction marketplace, a notification message is transmitted to the buyer terminal. Device.
The method of claim 1,
The foreign exchange direct transaction contract generation unit determines a pairing contract matching the foreign exchange direct transaction contract when the foreign exchange direct transaction contract is a contract between different countries,
The private token processing unit symmetrically processes the token transmission between the seller terminals and the buyer terminals for each contract for the foreign exchange direct transaction contract and the pairing contract. .
The method of claim 4, wherein the private token processing unit
When the deposit information from the buyer terminal of the foreign exchange direct transaction contract is confirmed, token transfer from the seller terminal of the foreign exchange direct transaction contract to the seller terminal of the pairing contract and the token from the buyer terminal of the foreign exchange direct transaction contract to the terminal that is the purchaser of the pairing contract P2P foreign exchange direct transaction brokerage device using blockchain technology, characterized in that it automatically processes transmission.
The method of claim 1, wherein the private token processing unit
If the foreign exchange direct transaction contract is a contract within the same country, when the deposit information from the seller terminal is confirmed, the private token is issued and the transfer to the seller terminal is automatically processed, and when the deposit information from the buyer terminal is confirmed, the A P2P foreign exchange direct transaction brokerage device using a blockchain technology, characterized in that automatically processing the transmission of the private token from the seller terminal to the buyer terminal.
The method of claim 1, wherein the foreign exchange direct transaction contract brokerage unit
A P2P foreign exchange direct transaction brokerage device using a block chain technology, characterized in that receiving a request for any one of withdrawal of foreign currency, storage of foreign currency, and overseas remittance for the private token from the buyer terminal and processing it as the execution of the foreign exchange direct transaction contract.
The method of claim 1, wherein the foreign exchange direct transaction contract brokerage unit
When the creation of the foreign exchange direct transaction contract is delayed, the direct transaction sale request is pre-purchased and payment for the specific amount to the seller terminal is pre-processed.

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