KR20210142565A - Apparatus and method for exchange of different currencies - Google Patents

Abstract

The present invention relates to an exchange device between different currencies, which is to provide a decentralized exchange between currencies, to provide a method for allowing an exchange between currencies including a key currency as well as cryptocurrencies, and to provide a method for allowing a transaction even in the outside by using an API and the like. The exchange device between different currencies comprises: an exchange server to which a customer is connected; a processor for performing an exchange business; and a node connected to each currency handling branch to create a virtual account in each currency handling branch. Accordingly, anonymity is secured since a blockchain is directly used in case of transaction between cryptocurrencies. In addition, transaction between cryptocurrencies can be handled privately. Also, a currency exchange is not necessary to hold cryptocurrencies. Furthermore, an exchange can be performed even in the outside through an API.

Description

Apparatus and method for exchange between different currencies

The present invention relates to an exchange device and a method for exchange between different currencies. In detail, the present invention relates to an apparatus and method for exchanging money by directly using each currency in the exchange between different currencies including cryptocurrency and key currency.

In the case of a centralized exchange that can be used for exchange between conventional heterogeneous cryptocurrencies, a fee for using the exchange must be paid separately from the fee of the block chain corresponding to each cryptocurrency. However, in this case, there is a problem in that it is vulnerable to security because it uses its own service platform. To solve this, a cold wallet separated from security equipment and hot wallet is used, but there are disadvantages such as inconvenience in transaction. In addition, when you want to purchase cryptocurrency, you must purchase it at a price higher than the current price.

Therefore, it is possible to trade directly between individuals without going through a centralized exchange, but in this case, a reliable mediator is required or you have to make direct contact offline to trade.

Although demand for decentralized exchanges is increasing, conventional decentralized exchanges have a problem that liquidity is low because exchanges are possible only between cryptocurrencies, and there is an inconvenience that transaction parties must be online.

Republic of Korea Patent No. 10-1694455 (registered on January 03, 2017) Republic of Korea Patent Publication No. 10-2017-0015655 (published on February 09, 2017)

An object of the present invention is to provide a decentralized inter-currency exchange.

Another object of the present invention is to provide a method capable of converting between currencies, including not only cryptocurrency but also key currency.

Another object of the present invention is to provide a method that enables transactions from outside through the use of APIs and the like.

In order to solve the above problems, the present invention provides a device for exchanging between different currencies, connected to a currency exchange server to which customers connect, a processor performing exchange business, and each currency handling location to provide a virtual account in each currency handling location It provides a heterogeneous currency exchange device, characterized in that it includes a node that generates a.

According to the present invention, anonymity is secured because the block chain is directly used when transacting between cryptocurrencies.

In addition, according to the present invention, it is possible to process transactions between cryptocurrencies privately.

Also, according to the present invention, there is no need to hold cryptocurrency at the exchange office.

In addition, according to the present invention, it is possible to exchange money from the outside through the API.

1 is a view showing the configuration of a heterogeneous currency exchange device according to an embodiment of the present invention.
2 is a flowchart illustrating a method of exchanging between different currencies according to an embodiment of the present invention.
3 is a view showing the exchange request of the first customer and the acceptance of the second customer according to an embodiment of the present invention.
4 is a view showing a list of exchange requests according to an embodiment of the present invention.
5 is a diagram illustrating a virtual account creation step according to an embodiment of the present invention.
6 is a diagram illustrating a virtual account deposit step according to an embodiment of the present invention.
7 is a diagram illustrating a remittance processing step according to an embodiment of the present invention.
8 is a view showing the step of receiving a deposit according to an embodiment of the present invention.
9 is a view showing the step of refunding the deposit according to an embodiment of the present invention.
10 is a view showing an automatic currency exchange function according to an embodiment of the present invention.
11 is a view showing a portion corresponding to the payment API among the automatic currency exchange functions according to an embodiment of the present invention.
12 is an abbreviated view showing a portion corresponding to the payment API of FIG. 11 .
13 is a diagram illustrating a function of a payment API according to an embodiment of the present invention.

Terms used in this specification will be briefly described, and an embodiment of the present invention will be described in detail. The terms used in this specification have been selected as currently widely used general terms as possible while considering the functions in the present invention, which may vary depending on the intention or precedent of a person skilled in the art, the emergence of new technology, and the like. In addition, in a specific case, there is a term arbitrarily selected by the applicant, and in this case, the meaning will be described in detail in the description of the corresponding invention. Therefore, the terms used in this specification should be defined based on the meaning of the term and the overall content of the present invention, rather than the name of a simple term.

Hereinafter, an embodiment according to the present invention will be described in detail with reference to the accompanying drawings.

In this description, the 'first customer' refers to a customer who accesses the currency exchange server 10 for currency exchange and applies for a currency exchange request (Req). The 'second customer' refers to a customer who accesses the exchange server 10 and responds to the exchange request Req of the first customer. Substantially through the present invention, the exchange of heterogeneous currencies is made between the first customer and the second customer. Each of the first customer and the second customer may be a general user, and may be a financial institution or a business operator.

In addition, in this description, the 'first currency (C1)' is a currency that the first customer holds and intends to exchange into another currency. The 'second currency (C2)' is the target currency that the first customer intends to exchange through the first currency (C1). Currency exchange is established when the second customer holding the second currency C2 responds to the first customer's request for exchange Req.

1 is a view showing the configuration of a heterogeneous currency exchange device according to an embodiment of the present invention. According to the present invention, the heterogeneous currency exchange device is connected to the currency exchange server 10 to which customers connect, the processor 20 performing exchange business, and each currency handling location 300, and each currency handling location 300 ), characterized in that it includes a node 30 that creates a virtual account.

The currency exchange server 10 is a configuration that is connected to the network for customers (Customers) to access. In detail, in order to request exchange between different currencies, the first customer and the second customer who wants to exchange money in response to the request of the first customer access through the exchange server 10 and perform exchange.

In an embodiment, the currency exchange server 10 may process information related to currency exchange requests received from a plurality of customers. The exchange server 10 may receive information related to the exchange request received by the node 30 from the first customer from the node 30 .

The exchange server 10 may include a memory configuration for storing information related to a currency exchange request in addition to the network configuration.

The processor 20 is configured to control currency exchange according to each customer's request and response. In detail, the processor 20 is connected to the currency exchange server 10, receives each customer's exchange request and response information from the exchange server 10, and controls the processing of virtual account creation instruction, deposit determination, remittance, etc. is a configuration that

That is, the processor 20 may determine whether the exchange request can be established based on the information related to the exchange request received by the exchange server 10 through the plurality of nodes 30 . The processor 20 may determine whether the information related to the exchange request satisfies a predetermined condition, and may create a virtual account for performing the exchange request according to the determination result.

The node 30 is a terminal connected to the exchange server 10 and connected to each money handling service 300 through a network. The node 30 transmits information on whether money is deposited or not to the exchange server 10 , and when receiving an instruction to transfer money from the processor 20 , processes the remittance. In detail, when an instruction to create a virtual account is received from the processor 20 , the node 30 connected to the corresponding currency handling service 300 creates a virtual account. In addition, when receiving a request for confirmation of whether or not deposit is received from the processor 20 , the node 30 transmits information on whether or not deposit is received to the processor 20 . In addition, when receiving a remittance instruction from the processor 20 , the node 30 processes the remittance from the virtual account to the target account through the money handling destination 300 .

That is, the node 30 may receive various inputs related to the processing of virtual currency from the user. For example, the node 30 may receive an input related to a currency exchange request for exchanging a first virtual currency into a second virtual currency from a user or a first customer.

In addition, the node 30 may receive an instruction related to the creation of a disguise account from the processor 20 of the exchange server 10 , and upon receiving the instruction, a currency such that a virtual account is created in the connected money handling service 300 . An account creation request may be transmitted to an external network constituting the handling destination 300 .

In one example, the node 30 transmits information on whether money is deposited or not to the exchange server 10 , and when receiving an instruction for remittance from the processor 20 , processes the remittance.

2 is a flowchart illustrating a method of exchanging different currencies according to an embodiment of the present invention. According to the present invention, in the method of exchanging between different currencies, the first virtual account 101 is created in the money handling location 300 of the first currency (C1), and the first virtual account 101 is created in the money handling location 300 of the second currency (C2). 2 A virtual account creation step of creating a virtual account 102 (S100); A virtual account deposit step (S200) of receiving a first money (C1) from a first customer to the first virtual account (101) and receiving a second money (C2) from a second customer into the second virtual account (102) (S200) ); and when it is confirmed that the first virtual account 101 and the second virtual account 102 have been deposited, the first money (C1) and the second money (C2) are transferred to the first and second customers. and a remittance processing step (S300) of remittance to each deposit account.

The virtual account creation step S100 is a step of creating a virtual account for receiving money to be exchanged, respectively. In detail, the first virtual account 101 is created through the node 30 connected to the money handling location 300 of the first currency C1, and the second currency C2 is connected to the money handling location 300 A second virtual account 102 is created through the node 30 .

The virtual account deposit step (S200) is a step of, after the virtual account creation step (S100), sending information about each virtual account to each customer to request a deposit, and waiting for each currency to be deposited into each virtual account am.

The remittance processing step ( S300 ) is a step of completing the exchange by remitting money to the deposit account of each customer when it is confirmed that all deposits have been completed in each virtual account. As a preferred embodiment, the exchange processing step may include a deposit confirmation step (S310) and a final processing step (S320).

The deposit confirmation step (S310) is a step of confirming whether the deposit has been completed in the virtual account. In detail, the processor 20 requests each node 30 of the first money (C1) and the second money (C2) to check whether the deposit is made, and accordingly, the node 30 is connected to each of the connected money handling destinations. After confirming whether the deposit of the virtual account has been completed from 300 , the result is transmitted to the processor 20 .

However, since it is impossible for the customer's deposit to be completed immediately, it is preferable to set a deadline for the deposit in advance and wait for the deposit during the deadline. Accordingly, the expiration confirmation step (S311) may be included. In detail, the expiration confirmation step (S311) is a step of determining whether a preset time limit has expired when the deposits of the first customer and the second customer are not completed in the deposit confirmation step (S310). The deadline may be set in advance by the user or the first customer, and when the first customer sets the deadline, the first customer may receive an input when requesting currency exchange. If the deadline has expired, the process goes to a cancellation step (S322) to be described later, and if the deadline has not expired, it returns to the deposit confirmation step (S310).

The final processing step (S320) is a step of remittance to each customer or canceling currency exchange according to the result of the deposit confirmation step (S310). In detail, the final processing step (S320) includes a remittance step (S321) and a cancellation step (S322).

In the remittance step (S321), when it is confirmed that the deposit is completed in the deposit confirmation step (S310), the first currency (C1) of the first virtual account 101 is transferred to the deposit account of the second customer, and the first customer's deposit Remittance of the second currency (C2) of the second virtual account 102 to the account.

The cancellation step (S322) is a step of canceling the currency exchange when the deadline has expired in the expiration confirmation step (S311).

Hereinafter, each step will be described in detail with reference to FIGS. 3 to 7 .

3 is a diagram illustrating a request for currency exchange (Req) of a first customer and acceptance (Comp) of a second customer according to an exemplary embodiment of the present invention.

The first customer holds a 1-1 account 211 for a first currency C1 and a 1-2 account 212 for a second currency C2. Similarly, the second customer holds an account 2-1 221 with respect to the first currency C1 and an account 2-2 222 with respect to the second currency C2.

When the first customer accesses the currency exchange server 10 and requests currency exchange, the processor 20 posts the request to the exchange server 10 so that the second customer can read it. When the second customer reads and accepts the request, the processor 20 establishes a currency exchange transaction.

4 is a view showing a list of exchange requests according to an embodiment of the present invention.

A currency exchange request list 400 that can be read by each customer exists on the exchange server 10 . When the first customer requests currency exchange, it is registered in the exchange request list 400 . The exchange request list 400 includes information on the amount 401 of the first currency (C1), the amount 402 of the second currency (C2), and the deadline 403 . The second customer selects a desired transaction from the exchange request list 400 and accepts the exchange transaction.

5 is a diagram illustrating a virtual account creation step (S100) according to an embodiment of the present invention.

The processor 20 creates a first virtual account 101 that is a virtual account for a first currency C1 through the node 30, and a second virtual account 102 that is a virtual account for a second currency C2 ) is created. Next, the processor 20 notifies the first customer and the second customer to deposit the first currency C1 and the second currency C2 into the respective virtual accounts, and sets the deposit deadline set by the user or the first customer. notify together.

6 is a diagram illustrating a virtual account deposit step (S200) according to an embodiment of the present invention.

The first customer deposits the first currency C1 into the first virtual account 101 , and the second customer deposits the second currency C2 into the second virtual account 102 . However, when the deposit deadline has expired, the virtual account is discarded so that deposit cannot be received.

7 is a diagram illustrating a remittance processing step (S300) according to an embodiment of the present invention.

After confirming that both the first customer and the second customer have received the deposit through the node 30 , the processor 20 transfers the first currency C1 to the 2-1 account 221 , and the second currency C2 ) is transferred to the 1-2 account 212 . Accordingly, the first customer acquires the second currency C2, and the second customer acquires the first currency C1, thereby completing the exchange transaction.

Meanwhile, a deposit may be charged to each customer in order to prevent the first customer from requesting a false currency exchange, to prevent the second customer from accepting false currency exchange, and to increase the transaction success rate.

Hereinafter, the deposit will be described in detail with reference to FIGS. 8 and 9 .

8 is a view showing the step of receiving a deposit according to an embodiment of the present invention. The step of receiving a deposit before the virtual account creation step (S100) is further included. The first customer must deposit a deposit when requesting currency exchange, and the second customer must deposit a deposit when accepting the exchange. The deposit may be a currency held by each customer, or may be a key currency, and is an amount set in advance by the user. The deposit may be set in proportion to the amount of the first currency C1 that the first customer wants to exchange, or may be a fixed amount.

9 is a view showing the step of refunding the deposit according to an embodiment of the present invention. The remittance processing step (S300) further includes the step of refunding the deposit. Upon completion of the exchange, the deposit will be refunded to each customer. On the other hand, the deposit will not be refunded to customers who are attributable to the reason for the cancellation of currency exchange. Accordingly, it is possible to prevent a false exchange request and a false exchange acceptance.

In addition, it is possible to provide an automatic exchange function through the exchange device and the exchange method according to the present invention. In detail, the first customer is required to continuously confirm and act in order to confirm the acceptance (Comp) of the second customer and deposit the money into the first virtual account 101 even after the initial exchange request (Req) for exchange. In order to prevent the inconvenience of this, an automatic currency exchange function may be provided. In detail, before the virtual account creation step (S100), the first customer applies for automatic currency exchange (Req') and deposits the first currency (C1) to the automatic exchange applicant. do. In addition, in the virtual account deposit step (S200), the first customer can be automatically exchanged by depositing the automatic exchange supporter into the first deposit account on behalf of the first customer. Preferably, the automatic currency exchange applicant may be a trusted business operator or financial institution (Finance).

10 is a view showing an automatic currency exchange function according to an embodiment of the present invention.

The first customer deposits the first currency (C1) with the automatic exchange application to the automatic exchange applicant, and the automatic exchange applicant receives the first virtual account 101 from the exchange server 10, the first customer Instead, the deposited first currency C1 is deposited into the first virtual account 101 .

In addition, by matching the automatic exchange application of another customer corresponding to the first currency (C1) amount and the second currency (C2) amount of the first customer's automatic exchange application, automatic exchange in both directions is possible. That is, the second customer not shown in FIG. 10 may be a second customer by automatic currency exchange matching as well as the second customer by the above-described general acceptance.

Each customer can purchase cryptocurrency by using the automatic currency exchange function. That is, if the first customer is a business operator who wants to purchase cryptocurrency, the first currency (C1), which is the subject of the automatic exchange application, is a specific cryptocurrency, and the second currency (C2) is the key currency, the operator is the key currency You will automatically purchase cryptocurrencies through

On the other hand, using the automatic currency exchange function, a payment API (Application Programming Interface) may be provided. In detail, the payment amount to be paid by the first customer can be paid in cryptocurrency through automatic exchange through the payment API. In this case, it is possible to quickly pay by using the automatic exchange application for the above-mentioned cryptocurrency purchase.

11 is a view showing a portion (API) corresponding to the payment API among the automatic currency exchange functions according to an embodiment of the present invention. 11 is a view showing the grouping of the currency exchange server 10 and the automatic currency exchange supporter part except for the first customer in FIG. 10 as API. When this is abbreviated for the first customer, it appears as shown in FIG. 12 . In addition, the payment API (API`) function using the API shown in FIG. 12 is shown in FIG. 13 .

13 is a diagram illustrating a function of a payment API (API`) according to an embodiment of the present invention.

The payment API (API`) functions similarly to the API shown in FIG. 12 , but the second currency C2 is transferred to the payment account of the shopping mall instead of the first customer's 1-2 account 212 . However, in this case, it is preferable that the second currency C2 is a key currency required by the shopping mall. That is, the first customer requests payment (Req') through the payment API (API'), automatically converts the first currency (C1) into the key currency, and can pay the shopping mall (T01').

The above-described preferred embodiments of the present invention have been disclosed for the purpose of illustration, and various modifications, changes and additions will be possible within the spirit and scope of the present invention by those skilled in the art with respect to the present invention, and such modifications, changes and additions should be considered to be within the scope of the above claims.

Those of ordinary skill in the art to which the present invention pertains, within the scope of not departing from the technical spirit of the present invention, various substitutions, modifications and changes are possible, so the present invention is described in the above-described embodiments and the accompanying drawings. not limited by

10: money changer 20: processor
30: node
101: first virtual account 102: second virtual account
211: 1-1 account 212: 1-2 account
221: account 2-1 222: account 2-2
300: money handling
400: Currency Exchange Request List

Claims (6)

In a heterogeneous currency exchange device comprising an exchange server (10), a processor (20) and a node (30),
an exchange server 10 for receiving information related to a request for exchange between different currencies from the node 30;
a processor 20 for processing information related to a currency exchange request received by the server 10; and
A node 30 that is connected to an external network corresponding to each currency handling point 300 of different currencies and transmits a virtual account request to the external network in order to create a virtual account in each currency handling point 300; A heterogeneous currency exchange device comprising a.
The method of claim 1,
The exchange server 10 includes a blockchain storage,
The blockchain storage is
The details of the information related to the exchange request processed by the processor (20) are stored in the block chain storage.
The method of claim 1,
The exchange server 10,
After receiving the information related to the exchange request from the first customer, receiving information related to the second customer who has accepted the exchange request,
The processor 20,
Control the node 30 of the first customer and the node 30 of the second customer so that a virtual account is created in each money handling place 300 of the virtual currency held by the first customer and the second customer, ,
Controlling the node 30 so that it is determined whether to deposit into each virtual account, and each currency deposited through the node 30 is remitted to the second customer and the first customer according to the determination result Characterized by a heterogeneous currency exchange device.
In the method for exchange between different currencies,
A virtual account that creates a first virtual account 101 in the money handling location 300 of the first currency C1 and creates a second virtual account 102 in the money handling location 300 of the second currency C2 generating step (S100);
It is determined whether the first currency (C1) is deposited into the first virtual account 101 from the first customer and whether the second currency (C2) is deposited in the second virtual account 102 from the second customer to (S200); and
When it is determined that the money is deposited in the first virtual account 101 and the second virtual account 102, the first money (C1) and the second money (C2) are each of the first customer and the second customer. A method comprising: performing a remittance process to be remitted to the account (S300).
5. The method of claim 4,
The remittance processing step (S300),
and, if the deposit to the first virtual account 101 and the second virtual account 102 is not performed within a preset deposit deadline, an expiration confirmation step (S311) of canceling the exchange request; Way.
5. The method of claim 4,
Before the virtual account creation step (S100),
Receiving a user input related to automatic currency exchange from the first customer;
When the user input is received, the automatic exchange application step of depositing the first currency (C1) to the automatic exchange applicant; further comprising,
The virtual account deposit step (S200) is,
Method characterized in that it is performed by depositing the automatic exchange supporter into the first deposit account on behalf of the first customer.

Images