WO2022114413A1 - Virtual currency withdrawal-processing method and exchange system - Google Patents

Virtual currency withdrawal-processing method and exchange system Download PDF

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Publication number
WO2022114413A1
WO2022114413A1 PCT/KR2021/005667 KR2021005667W WO2022114413A1 WO 2022114413 A1 WO2022114413 A1 WO 2022114413A1 KR 2021005667 W KR2021005667 W KR 2021005667W WO 2022114413 A1 WO2022114413 A1 WO 2022114413A1
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WIPO (PCT)
Prior art keywords
user
withdrawal
information
shortened
virtual currency
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PCT/KR2021/005667
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French (fr)
Korean (ko)
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강민성
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주식회사 에이블엑스
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Publication of WO2022114413A1 publication Critical patent/WO2022114413A1/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists

Definitions

  • the present invention relates to a virtual currency withdrawal processing method and an exchange system.
  • digital virtual currency a kind of digital asset that records transaction information in a distributed ledger using encryption technology in a blockchain-based distributed environment, such as Bitcoin, Ethereum, Ripple, Rios, and Bitcoin Cash, has been used.
  • the virtual currency stored in the electronic wallet can be withdrawn into fiat currency through a virtual currency exchange or remitted to a designated recipient.
  • the present invention allows the approval time for withdrawal of virtual currency to be adjusted based on shortened item information about the user, effectively preventing the occurrence of financial accidents while satisfying the needs of users for quick withdrawal processing. It is to provide a processing method and an exchange system.
  • the present invention can maximize the convenience of withdrawing virtual currency by enabling the recipient's electronic wallet to be specified using an e-mail address, and to provide a virtual currency withdrawal processing method and exchange system that can easily detect and respond to hacking it is for
  • a user response unit for receiving a withdrawal request for virtual currency from a user terminal, and calculating a conversion approval time corresponding to the user who requested the withdrawal; an authentication unit that authenticates the user; and when the conversion approval time elapses, an account management unit that processes withdrawal of virtual currency in response to a withdrawal request for which authentication is successfully completed is provided.
  • the user response unit calculates a shortened time by referring to the shortened item information corresponding to the user, and calculates the conversion approval time by subtracting the shortened time from a preset reference approval time, wherein the shortened item information is a point for each shortened item is given in advance, and the shortened time may be calculated using a user class to which the sum of points or the sum of points according to the shortened item information for the user corresponds.
  • the user response unit calculates a shortened time by referring to the shortened item information corresponding to the user, and calculates the conversion approval time by subtracting the shortened time from a preset reference approval time, wherein the shortened item information is a point for each shortened item is given in advance, and the shortened time is calculated by multiplying the sum of credit rating information, additional authentication information, and performance information by a preset weight value corresponding to the user, It can also be calculated using user ratings.
  • the credit rating information may be implemented to be provided through a communication network from a previously designated credit rating agency device.
  • the authentication unit further determines whether the withdrawal request satisfies the pre-stored restriction setting information for the user, wherein the restriction setting information includes limited information on a user terminal to be used by the user when requesting a withdrawal, and a limitation on a country to request a withdrawal It may include one or more of information.
  • the account manager processes the withdrawal of virtual currency to a specific recipient's wallet address by using the linkage information for the wallet address and the email address can be performed.
  • the interworking information may be stored in advance in a database or managed by being propagated to a blockchain network.
  • a method for processing virtual currency withdrawal comprising: receiving, by a user correspondence unit, a withdrawal request for virtual currency transmitted from a user terminal; performing, by an authentication unit, authentication on the withdrawal request; when the authentication is successfully completed, calculating, by the user correspondence unit, a conversion approval time corresponding to the user who requested the withdrawal; and when the conversion approval time elapses, the account management unit processes the withdrawal of virtual currency in response to the withdrawal request.
  • the account manager processes the withdrawal of virtual currency to a specific recipient's wallet address by using the linkage information for the wallet address and the email address can be performed.
  • the approval time for the withdrawal of virtual currency can be adjusted based on the shortened item information about the user, thereby effectively preventing the occurrence of a financial accident while satisfying the needs of users for quick withdrawal processing there is
  • FIG. 1 is a block diagram schematically showing the configuration of an exchange system according to an embodiment of the present invention.
  • FIG. 2 is a diagram illustrating shortened item information according to an embodiment of the present invention.
  • FIG. 3 is a diagram illustrating necessary information for remittance according to an embodiment of the present invention.
  • FIG. 4 is a flowchart illustrating a method for processing virtual currency withdrawal according to an embodiment of the present invention.
  • FIG. 1 is a block diagram schematically showing the configuration of an exchange system according to an embodiment of the present invention
  • FIG. 2 is a diagram illustrating shortened item information according to an embodiment of the present invention
  • FIG. 3 is a diagram of the present invention It is a diagram illustrating necessary information for remittance according to an embodiment.
  • the exchange system 110 which mediates virtual currency transactions, etc., includes a user correspondence unit 111 , an authentication unit 113 , a node management unit 115 , an account management unit 117 , and a database 119 .
  • the user correspondence unit 111 , the authentication unit 113 , the node management unit 115 , and the account management unit 117 may be implemented as a software program or may be implemented in a form in which a software program and a hardware device are combined.
  • the user response unit 111 receives a withdrawal request for withdrawal (eg, currency exchange, remittance, etc.) of virtual currency stored in the electronic wallet from the user terminal 130, and determines the conversion approval time corresponding to the user who requested the withdrawal. It calculates, and when the conversion approval time expires, a preset process for the withdrawal of virtual currency is performed.
  • a withdrawal request for withdrawal eg, currency exchange, remittance, etc.
  • the user correspondence unit 111 may be implemented as an integrated device for the above-described processing, but for example, a front-end server that communicates with the user terminal 130, conversion approval time It may be implemented separately by a main module server that calculates and processes the withdrawal process to be performed.
  • the user correspondence unit 111 calculates a shortened time corresponding to the user by referring to the shortened item information stored in the database 119 to correspond to the user, and subtracts the shortened time from the preset standard approval time to approve conversion conforming to the user time can be calculated.
  • the shortened item information includes additional personal information (refer to (a) of FIG. 2) stored in the database 119 for recognizing the user's credit level or for accurate authentication processing for the user, and the corresponding user targeting the exchange system 110 It may be preset to further include one or more of the performance information (refer to (b) of FIG. 2).
  • the additional personal information of the shortened item information may include the user's credit rating information and additional authentication information. Points designated for each shortened item included in the shortened item information may be given in advance, respectively.
  • the user response unit 111 may receive the user's credit rating information from a credit rating agency (eg, Nice Rating Information, Korea Credit View, etc.) through a communication network.
  • a credit rating agency eg, Nice Rating Information, Korea Credit View, etc.
  • the additional authentication information may include whether the user's mobile phone is authenticated, whether to register an OTP (One Time Password) card, whether to register face information, whether to register fingerprint information, and whether to register iris information. Additional authentication information may be collected in the user's membership registration process or member information modification process and stored in the database 119 .
  • OTP One Time Password
  • a user terminal 130 equipped with a photographing function, a fingerprint recognition function, etc. in order to allow additional authentication processing to proceed using additional authentication information (eg, biometric information) such as face information this could be used.
  • additional authentication information eg, biometric information
  • the performance information included in the shortened item information may be set so that the transaction volume of virtual currency targeting the exchange system 110, the number of transactions, etc. are divided into sections, and points may be assigned to each section.
  • the user correspondence unit 111 calculates the shortened time by using the user grade to which the sum of points or the sum of points according to the shortened item information for the user corresponds, and in a preset reference approval time
  • the conversion approval time can be calculated by subtracting the shortened time.
  • the standard approval time is designated as 72 hours and the shortened time calculation standard is designated so that 1 hour is added for each point
  • the standard approval time is specified as 72 hours
  • the shortened time calculation standard is specified to increase by 4 hours as the user level is increased
  • the shortened time is multiplied by a preset weight value to the sum of each point of credit rating information, additional authentication information, and performance information included in the shortened item information, and the sum or sum of these is the corresponding value. It can also be calculated using the user class that is
  • the user response unit 111 may control the node manager 115, the account manager 117, and the like to perform a predetermined operation to perform a withdrawal process according to the withdrawal request.
  • the withdrawal processing method and the exchange system 110 even when the reference approval time is specified as a specific time, the higher the user's credit rating, the more additional authentication information is registered in various ways. As the number of transactions for the exchange system 110 increases, the withdrawal process can be completed within a relatively short time.
  • the authentication unit 113 authenticates the withdrawal request at the request of the user correspondence unit 111 .
  • the authenticator 113 may be implemented as a hardware security module (HSM) or the like to implement data protection functions such as encryption, key management, digital signature, and user authentication based on hardware.
  • HSM hardware security module
  • the authentication unit 113 may perform authentication using a private key provided from the user terminal 130 for a withdrawal request.
  • the authenticator 113 may use an n-of-m multisig technology.
  • the authentication unit 113 may perform additional authentication using authentication information registered by the user as additional authentication information in the shortened item information.
  • the authentication unit 113 determines that the corresponding withdrawal request is based on the restriction setting information. Additional authentication may be performed as to whether it is applicable.
  • the restriction setting information may be, for example, limited information on a user terminal to be used when a user requests a withdrawal, limited information on a country to request a withdrawal, and the like.
  • the corresponding withdrawal request is a virtual currency remittance request, it may be additionally checked whether the recipient is included in the black list previously registered in the database 119 .
  • the authentication unit 113 is, for example, the personal secret key is invalid, authentication using the authentication information registered as additional authentication information is recognized as a failure, is a withdrawal request that does not satisfy the restriction setting information, or for a remittance transaction
  • authentication failure information may be transmitted to the user correspondence unit 111 .
  • the user correspondence unit 111 will transmit withdrawal rejection information to the user terminal 130 together with the reason for the authentication failure.
  • the node management unit 115 stores the transaction information for the withdrawal request in a block online at the request of the user correspondence unit 111, By propagating the corresponding block information to the blockchain network 150 , the validity of the corresponding withdrawal request is approved from the blockchain network 150 .
  • An approved withdrawal request (i.e. a transaction) is linked to the existing blockchain as a new block.
  • the node manager 115 may be implemented as one or more block chain node servers, and it is natural that the user terminal 130 that has transmitted the withdrawal request may also be included as a component in the block chain network 150 .
  • the account management unit 117 When the user who requested withdrawal by the authentication unit 113 is authenticated and the block information is processed by the node management unit 115 to be connected to the existing block chain using the block chain network 150, the account management unit 117 is the user In response to the request of the corresponding unit 111, virtual currency is transmitted for exchange or remittance corresponding to the withdrawal request. Since the operation of the account management unit 117 in response to a normal withdrawal request is obvious to those skilled in the art, a detailed description thereof will be omitted.
  • the withdrawal request received from the user terminal 130 is a request for money exchange or transfer of virtual currency to a specific recipient
  • the withdrawal request is for the recipient's wallet address and remittance amount as exemplified in (a) of FIG. 3 . include information.
  • the wallet address consists of a long string of about 30 to 40 characters in which English uppercase and lowercase letters and numbers are randomly mixed.
  • the wallet address is composed of a long string in a complex form, which is difficult to memorize and causes a lot of confusion and errors in the user input process.
  • the wallet address copied by the user is temporarily stored in a memory area called the clipboard area.
  • the clipboard area When the user terminal 130 is infected with malicious code, a situation in which the wallet address temporarily stored in the clipboard is replaced with the hacker's wallet address also occurs. is becoming However, even if the recipient's wallet address is replaced with the hacker's wallet address, there is a problem in that it is difficult to recognize that the wallet address has been replaced because the wallet address is composed of a long string in a complex form.
  • the account management unit 117 of the exchange system 110 of the present embodiment may be implemented to specify the recipient's wallet address using the recipient's email address included in the withdrawal request (FIG. 3 (( b) see).
  • linkage information for each user's email address and wallet address may be stored and managed in the database 119 .
  • linkage information for each user's email address and wallet address may be propagated to and managed by the block chain network 150 so as to be connected to the block chain as block information.
  • the exchange system 110 allows the recipient's email address to be included in the withdrawal request by replacing the recipient's wallet address, thereby maximizing the convenience of withdrawing virtual currency and allowing the user to check the fact of hacking. It has the advantage of being able to easily identify and respond to it.
  • FIG. 4 is a flowchart illustrating a virtual currency withdrawal processing method according to an embodiment of the present invention.
  • the exchange system 110 receives a withdrawal request for withdrawal (eg, currency exchange, remittance, etc.) of virtual currency stored in the electronic wallet from the user in step 410 .
  • a withdrawal request for withdrawal eg, currency exchange, remittance, etc.
  • step 420 the exchange system 110 authenticates the validity of the withdrawal request using the stored personal information corresponding to the user who requested the withdrawal.
  • the authentication processing of the exchange system 110 is, for example, authentication using the personal secret key provided from the user terminal 130, as well as additional authentication information (eg, OTP, biometric information, etc.) registered by the user in the shortened item information. ) to perform additional authentication.
  • additional authentication information eg, OTP, biometric information, etc.
  • the exchange system 110 may additionally authenticate whether the corresponding withdrawal request corresponds to the limit setting information.
  • the restriction setting information may be, for example, limited information on a user terminal to be used when a user requests a withdrawal, limited information on a country to request a withdrawal, and the like.
  • the corresponding withdrawal request is a virtual currency remittance request
  • step 430 when the user's withdrawal request is normally authenticated, the exchange system 110 stores the withdrawal request information in the database 119 and notifies the user terminal 130 that the withdrawal request is normally registered.
  • step 440 the exchange system 110 refers to the shortened item information stored in the database 119 to correspond to the user and calculates the shortened time and the conversion approval time corresponding to the user.
  • the shortened item information may include, for example, the user's credit rating information, additional authentication information, and performance information targeting the exchange system 110 . Points designated for each shortened item included in the shortened item information may be given in advance, respectively.
  • the user's credit rating information can be provided from a credit rating agency designated in advance through the communication network. Whether to register, whether to register iris information, etc. may be included.
  • the performance information may be set so that the transaction volume of virtual currency targeting the exchange system 110 , the number of transactions, etc. are divided into sections.
  • the shortened time may be calculated, for example, by using the user class to which the sum of points or the sum of points according to the shortened item information for the user corresponds, and the conversion approval time is shortened from the preset standard approval time It can be calculated by subtracting time.
  • the shortened time is calculated by multiplying a preset weight value by the sum of each point of credit rating information, additional authentication information, and performance information included in the shortened item information, It can also be calculated using user ratings.
  • the exchange system 110 When the conversion approval time expires, the exchange system 110 performs withdrawal processing according to the user's withdrawal request in step 450 .
  • transaction information for a withdrawal request is stored in a block online, the block information is propagated to the block chain network 150, and the validity of the withdrawal request is approved by the block chain network 150. After that, it may be performed as a procedure for performing the transfer of virtual currency to correspond to the withdrawal request.
  • a wallet address to which virtual currency will be received is input. Since the wallet address consists of a long string in a complex form and is inconvenient to use, the method of copying the wallet address and pasting it into the remittance target wallet address field is mainly used.
  • the exchange system 110 has a feature that allows an email address to be used instead of a wallet address for a withdrawal request.
  • the exchange system can use the linkage information between the e-mail address and the wallet address, specify the wallet address using the e-mail address, and transmit it as virtual currency to the specified wallet address.
  • the interworking information may be stored in the database 119 or may be propagated to and managed by the blockchain network 150 .
  • the above-described virtual currency withdrawal processing method may be implemented as a software program, an application, etc. embedded in a digital processing device, and may be performed as an automated procedure according to a time-series sequence. Codes and code segments constituting the program or the like can be easily inferred by a computer programmer in the art.
  • the program is stored in a computer readable medium (computer readable media), read and executed by the computer to implement the method.

Abstract

A virtual currency withdrawal-processing method and an exchange system are disclosed. The exchange system comprises: a user response unit for receiving a withdrawal request for virtual currency from a user terminal and calculating an exchange approval time corresponding to the user having requested the withdrawal; an authentication unit for authenticating the user; and an account management unit for processing the withdrawal of virtual currency in response to the withdrawal request for which authentication has been successfully completed, when the exchange approval time elapses.

Description

가상 화폐의 출금 처리 방법 및 거래소 시스템Cryptocurrency withdrawal processing method and exchange system
본 발명은 가상 화폐의 출금 처리 방법 및 거래소 시스템에 관한 것이다. The present invention relates to a virtual currency withdrawal processing method and an exchange system.
최근, 비트코인, 이더리움, 리플, 리오스, 비트코인캐시 등과 같이, 블록 체인 기반의 분산 환경에서 암호화 기술을 사용하여 분산 장부에 거래 정보를 기록하는 일종의 디지털 자산인 디지털 가상 화폐가 사용되고 있다. Recently, digital virtual currency, a kind of digital asset that records transaction information in a distributed ledger using encryption technology in a blockchain-based distributed environment, such as Bitcoin, Ethereum, Ripple, Rios, and Bitcoin Cash, has been used.
전자 지갑에 보관된 가상 화폐는 가상 화폐 거래소를 통해 명목 화폐로 환전되거나, 지정된 수신자에게 송금되는 등의 방식으로 출금될 수 있다. The virtual currency stored in the electronic wallet can be withdrawn into fiat currency through a virtual currency exchange or remitted to a designated recipient.
일반적으로, 가상 화폐를 구매하여 전자 지갑에 입금하는 처리는 빠른 시간 내에 이루어지는 반면, 전자 지갑에 보관된 가상 화폐의 출금 처리는 상대적으로 오랜 시간이 소요되고 있어, 이용자들의 불만이 많은 현실이다. In general, the processing of purchasing virtual currency and depositing it in an electronic wallet is performed within a short time, whereas the processing of withdrawal of virtual currency stored in the electronic wallet takes a relatively long time, which is a reality with many complaints from users.
그러나, 가상 화폐 거래소의 입장에서는 이용자의 수가 급증하면서 출금 신청건이 급증하고 있어 신속한 출금 처리가 쉽지 않을 뿐 아니라, 보이스 피싱 등 금융 사고를 예방하기 위해 미리 설정된 승인 시간을 확보할 필요가 있어, 이용자들의 요구를 단순 수용하기도 쉽지 않는 문제점이 있다. However, from the point of view of virtual currency exchanges, it is not easy to process withdrawals quickly as the number of withdrawal requests is rapidly increasing as the number of users increases. There is a problem in that it is not easy to simply accept the request.
본 발명은 가상 화폐의 출금을 위한 승인 시간을 이용자에 관한 단축 항목 정보를 토대로 조정할 수 있도록 하여, 금융 사고의 발생을 효과적으로 방지하면서도 신속한 출금 처리에 관한 이용자들의 요구를 만족시킬 수 있는 가상 화폐의 출금 처리 방법 및 거래소 시스템을 제공하기 위한 것이다. The present invention allows the approval time for withdrawal of virtual currency to be adjusted based on shortened item information about the user, effectively preventing the occurrence of financial accidents while satisfying the needs of users for quick withdrawal processing. It is to provide a processing method and an exchange system.
본 발명은 이메일 주소를 이용하여 수신자의 전자 지갑을 특정할 수 있도록 함으로써 가상 화폐의 출금 편의를 극대화할 수 있고, 해킹 사실을 쉽게 파악하여 대응할 수 있는 가상 화폐의 출금 처리 방법 및 거래소 시스템을 제공하기 위한 것이다. The present invention can maximize the convenience of withdrawing virtual currency by enabling the recipient's electronic wallet to be specified using an e-mail address, and to provide a virtual currency withdrawal processing method and exchange system that can easily detect and respond to hacking it is for
본 발명의 이외의 목적들은 하기의 설명을 통해 쉽게 이해될 수 있을 것이다.Objects other than the present invention will be easily understood through the following description.
본 발명의 일 측면에 따르면, 유저 단말로부터 가상 화폐에 대한 출금 요청을 수신하고, 출금 요청한 이용자에 부합하는 환산 승인 시간을 산출하는 유저 대응부; 상기 이용자에 대한 인증을 수행하는 인증부; 및 상기 환산 승인 시간이 경과되면, 인증이 성공적으로 완료된 출금 요청에 상응하여 가상 화폐의 출금을 처리하는 계좌 관리부를 포함하는 거래소 시스템이 제공된다. According to an aspect of the present invention, a user response unit for receiving a withdrawal request for virtual currency from a user terminal, and calculating a conversion approval time corresponding to the user who requested the withdrawal; an authentication unit that authenticates the user; and when the conversion approval time elapses, an account management unit that processes withdrawal of virtual currency in response to a withdrawal request for which authentication is successfully completed is provided.
상기 유저 대응부는 상기 이용자에 상응하는 단축 항목 정보를 참조하여 단축 시간을 산출하고, 미리 설정된 기준 승인 시간에서 상기 단축 시간을 차감하여 상기 환산 승인 시간을 산출하되, 상기 단축 항목 정보는 단축 항목별로 포인트가 미리 부여되고, 상기 단축 시간은 상기 이용자에 대한 단축 항목 정보에 따른 포인트의 합산값 또는 포인트의 합산값이 해당되는 이용자 등급을 이용하여 산출될 수 있다.The user response unit calculates a shortened time by referring to the shortened item information corresponding to the user, and calculates the conversion approval time by subtracting the shortened time from a preset reference approval time, wherein the shortened item information is a point for each shortened item is given in advance, and the shortened time may be calculated using a user class to which the sum of points or the sum of points according to the shortened item information for the user corresponds.
상기 유저 대응부는 상기 이용자에 상응하는 단축 항목 정보를 참조하여 단축 시간을 산출하고, 미리 설정된 기준 승인 시간에서 상기 단축 시간을 차감하여 상기 환산 승인 시간을 산출하되, 상기 단축 항목 정보는 단축 항목별로 포인트가 미리 부여되고, 상기 단축 시간은 상기 이용자에 상응하여 신용 등급 정보, 추가 인증 정보 및 실적 정보 각각의 포인트 합산값에 미리 설정된 가중치 값이 곱셈 연산되고, 이들이 합산된 합산값 또는 합산값이 해당되는 이용자 등급을 이용하여 산출될 수도 있다.The user response unit calculates a shortened time by referring to the shortened item information corresponding to the user, and calculates the conversion approval time by subtracting the shortened time from a preset reference approval time, wherein the shortened item information is a point for each shortened item is given in advance, and the shortened time is calculated by multiplying the sum of credit rating information, additional authentication information, and performance information by a preset weight value corresponding to the user, It can also be calculated using user ratings.
상기 신용 등급 정보는 미리 지정된 신용 평가사 장치로부터 통신망을 통해 제공받도록 구현될 수 있다. The credit rating information may be implemented to be provided through a communication network from a previously designated credit rating agency device.
상기 인증부는 상기 출금 요청이 상기 이용자에 대해 미리 저장된 제한 설정 정보를 만족하는지 여부를 더 판단하되, 상기 제한 설정 정보는 상기 이용자가 출금 요청시 이용할 유저 단말에 대한 한정 정보, 출금 요청할 국가에 대한 한정 정보 중 하나 이상을 포함할 수 있다. The authentication unit further determines whether the withdrawal request satisfies the pre-stored restriction setting information for the user, wherein the restriction setting information includes limited information on a user terminal to be used by the user when requesting a withdrawal, and a limitation on a country to request a withdrawal It may include one or more of information.
상기 출금 요청에 수신자의 지갑 주소를 대체하도록 수신자의 이메일 주소가 포함된 경우, 상기 계좌 관리부는 상기 지갑 주소와 상기 이메일 주소에 대한 연동 정보를 이용하여 특정한 상기 수신자의 지갑 주소로 가상 화폐의 출금 처리를 수행할 수 있다.When a recipient's email address is included in the withdrawal request to replace the recipient's wallet address, the account manager processes the withdrawal of virtual currency to a specific recipient's wallet address by using the linkage information for the wallet address and the email address can be performed.
상기 연동 정보는 데이터베이스에 미리 저장되거나 블록체인 네트워크에 전파되어 관리될 수 있다.The interworking information may be stored in advance in a database or managed by being propagated to a blockchain network.
본 발명의 다른 측면에 따르면, 가상 화폐의 출금 처리 방법에 있어서, 유저 대응부가 유저 단말로부터 전송된 가상 화폐에 대한 출금 요청을 입력받는 단계; 인증부가 상기 출금 요청에 대한 인증을 수행하는 단계; 인증이 성공적으로 완료되면, 상기 유저 대응부가 상기 출금 요청한 이용자에 부합하는 환산 승인 시간을 산출하는 단계; 및 상기 환산 승인 시간이 경과되면, 계좌 관리부가 상기 출금 요청에 상응하여 가상 화폐의 출금을 처리하는 단계를 포함하는 가상 화폐의 출금 처리 방법이 제공된다. According to another aspect of the present invention, there is provided a method for processing virtual currency withdrawal, the method comprising: receiving, by a user correspondence unit, a withdrawal request for virtual currency transmitted from a user terminal; performing, by an authentication unit, authentication on the withdrawal request; when the authentication is successfully completed, calculating, by the user correspondence unit, a conversion approval time corresponding to the user who requested the withdrawal; and when the conversion approval time elapses, the account management unit processes the withdrawal of virtual currency in response to the withdrawal request.
상기 출금 요청에 수신자의 지갑 주소를 대체하도록 수신자의 이메일 주소가 포함된 경우, 상기 계좌 관리부는 상기 지갑 주소와 상기 이메일 주소에 대한 연동 정보를 이용하여 특정한 상기 수신자의 지갑 주소로 가상 화폐의 출금 처리를 수행할 수 있다.When a recipient's email address is included in the withdrawal request to replace the recipient's wallet address, the account manager processes the withdrawal of virtual currency to a specific recipient's wallet address by using the linkage information for the wallet address and the email address can be performed.
전술한 것 외의 다른 측면, 특징, 이점이 이하의 도면, 청구범위 및 발명의 상세한 설명으로부터 명확해질 것이다.Other aspects, features and advantages other than those described above will become apparent from the following drawings, claims, and detailed description of the invention.
본 발명의 실시예에 따르면, 가상 화폐의 출금을 위한 승인 시간을 이용자에 관한 단축 항목 정보를 토대로 조정할 수 있도록 하여, 금융 사고의 발생을 효과적으로 방지하면서도 신속한 출금 처리에 관한 이용자들의 요구를 만족시키는 효과가 있다. According to an embodiment of the present invention, the approval time for the withdrawal of virtual currency can be adjusted based on the shortened item information about the user, thereby effectively preventing the occurrence of a financial accident while satisfying the needs of users for quick withdrawal processing there is
또한, 이메일 주소를 이용하여 수신자의 전자 지갑을 특정할 수 있도록 함으로써 가상 화폐의 출금 편의가 극대화되고, 해킹 사실을 쉽게 파악하여 대응할 수 있도록 하는 효과도 있다.In addition, by allowing the recipient's e-wallet to be specified using the e-mail address, the convenience of withdrawing virtual currency is maximized, and there is an effect of easily identifying and responding to hacking.
도 1은 본 발명의 일 실시예에 따른 거래소 시스템의 구성을 개략적으로 나타낸 블록 구성도.1 is a block diagram schematically showing the configuration of an exchange system according to an embodiment of the present invention.
도 2는 본 발명의 일 실시예에 따른 단축 항목 정보들을 예시한 도면.2 is a diagram illustrating shortened item information according to an embodiment of the present invention.
도 3은 본 발명의 일 실시예에 따른 송금시 필요 정보들을 예시한 도면.3 is a diagram illustrating necessary information for remittance according to an embodiment of the present invention.
도 4는 본 발명의 일 실시예에 따른 가상 화폐의 출금 처리 방법을 나타낸 순서도.4 is a flowchart illustrating a method for processing virtual currency withdrawal according to an embodiment of the present invention.
본 발명은 다양한 변경을 가할 수 있고 여러 가지 실시예를 가질 수 있는 바, 특정 실시예들을 도면에 예시하고 상세한 설명에 상세하게 설명하고자 한다. 그러나 이는 본 발명을 특정한 실시 형태에 대해 한정하려는 것이 아니며, 본 발명의 사상 및 기술 범위에 포함되는 모든 변경, 균등물 내지 대체물을 포함하는 것으로 이해되어야 한다.Since the present invention can have various changes and can have various embodiments, specific embodiments are illustrated in the drawings and described in detail in the detailed description. However, this is not intended to limit the present invention to specific embodiments, and it should be understood to include all modifications, equivalents, and substitutes included in the spirit and scope of the present invention.
본 명세서에서 사용한 용어는 단지 특정한 실시예를 설명하기 위해 사용된 것으로, 본 발명을 한정하려는 의도가 아니다. 단수의 표현은 문맥상 명백하게 다르게 뜻하지 않는 한, 복수의 표현을 포함한다. 본 명세서에서, "포함하다" 또는 "가지다" 등의 용어는 명세서상에 기재된 특징, 숫자, 단계, 동작, 구성요소, 부품 또는 이들을 조합한 것이 존재함을 지정하려는 것이지, 하나 또는 그 이상의 다른 특징들이나 숫자, 단계, 동작, 구성요소, 부품 또는 이들을 조합한 것들의 존재 또는 부가 가능성을 미리 배제하지 않는 것으로 이해되어야 한다.The terminology used herein is used only to describe specific embodiments, and is not intended to limit the present invention. The singular expression includes the plural expression unless the context clearly dictates otherwise. In the present specification, terms such as “comprise” or “have” are intended to designate that a feature, number, step, operation, component, part, or combination thereof described in the specification exists, but one or more other features It is to be understood that this does not preclude the possibility of addition or existence of numbers, steps, operations, components, parts, or combinations thereof.
도 1은 본 발명의 일 실시예에 따른 거래소 시스템의 구성을 개략적으로 나타낸 블록 구성도이고, 도 2는 본 발명의 일 실시예에 따른 단축 항목 정보들을 예시한 도면이며, 도 3은 본 발명의 일 실시예에 따른 송금시 필요 정보들을 예시한 도면이다.1 is a block diagram schematically showing the configuration of an exchange system according to an embodiment of the present invention, FIG. 2 is a diagram illustrating shortened item information according to an embodiment of the present invention, and FIG. 3 is a diagram of the present invention It is a diagram illustrating necessary information for remittance according to an embodiment.
도 1을 참조하면, 가상 화폐의 거래 등을 중개하는 거래소 시스템(110)은 유저 대응부(111), 인증부(113), 노드 관리부(115), 계좌 관리부(117) 및 데이터베이스(119)를 포함할 수 있다. 여기서, 유저 대응부(111), 인증부(113), 노드 관리부(115) 및 계좌 관리부(117)는 소프트웨어 프로그램으로 구현되거나, 소프트웨어 프로그램과 하드웨어 장치가 결합된 형태로 구현될 수 있다. Referring to FIG. 1 , the exchange system 110 , which mediates virtual currency transactions, etc., includes a user correspondence unit 111 , an authentication unit 113 , a node management unit 115 , an account management unit 117 , and a database 119 . may include Here, the user correspondence unit 111 , the authentication unit 113 , the node management unit 115 , and the account management unit 117 may be implemented as a software program or may be implemented in a form in which a software program and a hardware device are combined.
유저 대응부(111)는 유저 단말(130)로부터 전자 지갑에 보관된 가상 화폐의 출금(예를 들어, 환전, 송금 등)을 위한 출금 요청을 수신하고, 출금 요청한 이용자에 부합하는 환산 승인 시간을 산출하며, 환산 승인 시간이 만료되면 가상 화폐의 출금을 위해 미리 설정된 처리가 수행되도록 한다. The user response unit 111 receives a withdrawal request for withdrawal (eg, currency exchange, remittance, etc.) of virtual currency stored in the electronic wallet from the user terminal 130, and determines the conversion approval time corresponding to the user who requested the withdrawal. It calculates, and when the conversion approval time expires, a preset process for the withdrawal of virtual currency is performed.
여기서, 유저 대응부(111)는 전술한 처리를 위해 통합된 장치로 구현될 수도 있으나, 예를 들어 유저 단말(130)과 통신을 수행하는 프론트-엔드 서버(front-end server), 환산 승인 시간을 산출하여 출금 처리가 수행되도록 처리하는 메인 모듈 서버(main module server) 등으로 분리되어 구현될 수도 있다. Here, the user correspondence unit 111 may be implemented as an integrated device for the above-described processing, but for example, a front-end server that communicates with the user terminal 130, conversion approval time It may be implemented separately by a main module server that calculates and processes the withdrawal process to be performed.
유저 대응부(111)는 이용자에 상응하도록 데이터베이스(119)에 저장된 단축 항목 정보를 참조하여 이용자에 부합하는 단축 시간을 산출하고, 미리 설정된 기준 승인 시간에서 단축 시간을 차감하여 이용자에 부합하는 환산 승인 시간을 산출할 수 있다. The user correspondence unit 111 calculates a shortened time corresponding to the user by referring to the shortened item information stored in the database 119 to correspond to the user, and subtracts the shortened time from the preset standard approval time to approve conversion conforming to the user time can be calculated.
단축 항목 정보는 이용자의 신용 정도를 인식하거나 이용자에 대한 정확한 인증 처리를 위해 데이터베이스(119)에 저장되는 추가 개인 정보(도 2의 (a) 참조)와, 해당 이용자가 거래소 시스템(110)을 대상으로 하는 실적 정보(도 2의 (b) 참조) 등 중 하나 이상을 더 포함하도록 미리 설정될 수 있다. The shortened item information includes additional personal information (refer to (a) of FIG. 2) stored in the database 119 for recognizing the user's credit level or for accurate authentication processing for the user, and the corresponding user targeting the exchange system 110 It may be preset to further include one or more of the performance information (refer to (b) of FIG. 2).
도 2에 예시된 바와 같이, 단축 항목 정보의 추가 개인 정보에는 이용자의 신용 등급 정보와 추가 인증 정보가 포함될 수 있다. 단축 항목 정보에 포함된 단축 항목별로 지정된 포인트가 각각 미리 부여될 수 있다. As illustrated in FIG. 2 , the additional personal information of the shortened item information may include the user's credit rating information and additional authentication information. Points designated for each shortened item included in the shortened item information may be given in advance, respectively.
이용자의 신용 등급 정보를 획득하기 위해, 유저 대응부(111)는 통신망을 통해 신용 평가사(예를 들어, 나이스평가정보, 코리아크레딧뷰 등)로부터 이용자의 신용 등급 정보를 제공받을 수도 있다.In order to obtain the user's credit rating information, the user response unit 111 may receive the user's credit rating information from a credit rating agency (eg, Nice Rating Information, Korea Credit View, etc.) through a communication network.
또한, 추가 인증 정보에는 이용자의 휴대폰 인증 여부, OTP(One Time Password) 카드 등록 여부, 얼굴 정보 등록 여부, 지문 정보 등록 여부, 홍채 정보 등록 여부 등이 포함될 수 있다. 추가 인증 정보는 이용자의 회원 가입 과정이나 회원 정보 수정 과정에서 수집되어 데이터베이스(119)에 저장될 수 있다. In addition, the additional authentication information may include whether the user's mobile phone is authenticated, whether to register an OTP (One Time Password) card, whether to register face information, whether to register fingerprint information, and whether to register iris information. Additional authentication information may be collected in the user's membership registration process or member information modification process and stored in the database 119 .
이용자가 출금 요청하는 경우, 얼굴 정보 등과 같은 추가 인증 정보(예를 들어, 생체 정보)를 이용하여 추가 인증 처리가 진행될 수 있도록 하기 위해, 촬영 기능, 지문 인식 기능 등이 구비된 유저 단말(130)이 이용될 수 있을 것이다. When a user requests a withdrawal, a user terminal 130 equipped with a photographing function, a fingerprint recognition function, etc. in order to allow additional authentication processing to proceed using additional authentication information (eg, biometric information) such as face information this could be used.
단축 항목 정보에 포함되는 실적 정보에는 거래소 시스템(110)을 대상으로 하는 가상 화폐의 거래량, 거래 건수 등이 구간으로 나뉘어 구분되도록 설정될 수 있으며, 각 구간별로 포인트가 각각 부여될 수 있다. The performance information included in the shortened item information may be set so that the transaction volume of virtual currency targeting the exchange system 110, the number of transactions, etc. are divided into sections, and points may be assigned to each section.
유저 대응부(111)는 예를 들어, 해당 이용자에 대한 단축 항목 정보에 따른 포인트의 합산값, 또는 포인트의 합산값이 해당되는 이용자 등급을 이용하여 단축 시간을 산출하고, 미리 설정된 기준 승인 시간에서 단축 시간을 차감하여 환산 승인 시간을 산출할 수 있다.The user correspondence unit 111, for example, calculates the shortened time by using the user grade to which the sum of points or the sum of points according to the shortened item information for the user corresponds, and in a preset reference approval time The conversion approval time can be calculated by subtracting the shortened time.
예를 들어, 기준 승인 시간이 72시간으로 지정되고, 1 포인트당 1시간씩 가산되도록 단축 시간 산출 기준이 지정된 경우, 해당 이용자의 단축 항목 정보에 따른 포인트가 45포인트라면, 단축 시간은 45시간(= 45포인트 x 1시간)으로 산출될 수 있고, 환산 승인 시간은 27시간(= 72시간 - 45시간)으로 산출될 수 있다. For example, if the standard approval time is designated as 72 hours and the shortened time calculation standard is designated so that 1 hour is added for each point, if the number of points according to the shortened item information of the user is 45 points, the shortened time is 45 hours ( = 45 points x 1 hour), and the conversion approval time may be calculated as 27 hours (= 72 hours - 45 hours).
다른 예로서, 기준 승인 시간이 72시간으로 지정되고, 이용자 등급이 상향될수록 4시간씩 증가하도록 단축 시간 산출 기준이 지정된 경우, 해당 이용자가 10등급에 해당된다면, 단축 시간은 40시간(= 10등급 x 4시간)으로 산출될 수 있고, 환산 승인 시간은 32시간(= 72시간 - 40시간)으로 산출될 수 있다. As another example, if the standard approval time is specified as 72 hours, and the shortened time calculation standard is specified to increase by 4 hours as the user level is increased, if the corresponding user falls under the 10th level, the shortened time is 40 hours (= 10th level) x 4 hours), and the conversion approval time may be calculated as 32 hours (= 72 hours - 40 hours).
또 다른 예로서, 단축 시간은 단축 항목 정보에 포함되는 신용 등급 정보, 추가 인증 정보 및 실적 정보 각각의 포인트 합산값에 미리 설정된 가중치 값이 곱셈 연산되고, 이들이 합산된 합산값, 또는 합산값이 해당되는 이용자 등급을 이용하여 산출될 수도 있다. As another example, the shortened time is multiplied by a preset weight value to the sum of each point of credit rating information, additional authentication information, and performance information included in the shortened item information, and the sum or sum of these is the corresponding value. It can also be calculated using the user class that is
유저 대응부(111)는 환산 승인 시간이 경과되면, 노드 관리부(115), 계좌 관리부(117) 등이 미리 지정된 동작을 수행하도록 하여 출금 요청에 따른 출금 처리가 수행되도록 제어할 수 있다.When the conversion approval time elapses, the user response unit 111 may control the node manager 115, the account manager 117, and the like to perform a predetermined operation to perform a withdrawal process according to the withdrawal request.
이와 같이, 본 실시예에 따른 출금 처리 방법 및 거래소 시스템(110)은, 기준 승인 시간이 특정의 시간으로 지정된 경우일지라도, 이용자의 신용 등급이 높을수록, 추가 인증 정보가 다양하게 추가 등록되어 인증에 이용될수록, 거래소 시스템(110)을 대상으로 하는 거래가 많을수록 상대적으로 짧은 시간내에 출금 처리가 완료될 수 있도록 하는 특징을 가지고 있다. As such, in the withdrawal processing method and the exchange system 110 according to the present embodiment, even when the reference approval time is specified as a specific time, the higher the user's credit rating, the more additional authentication information is registered in various ways. As the number of transactions for the exchange system 110 increases, the withdrawal process can be completed within a relatively short time.
이를 통해, 이용자들이 높은 신용 상태에서 다양한 인증 절차를 통해 안전한 거래를 진행하도록 유도할 수 있어, 가상 화폐 시장의 건전한 발전을 도모할 수 있는 장점도 있다. Through this, users can be encouraged to conduct safe transactions through various authentication procedures in a high credit state, which has the advantage of promoting the healthy development of the virtual currency market.
출금 요청이 수신되면, 인증부(113)는 유저 대응부(111)의 요청에 의해 출금 요청에 대한 인증을 수행한다. 예를 들어, 인증부(113)는 하드웨어를 기반으로 암호화, 키 관리, 디지털 서명, 사용자 인증 등의 데이터 보호 기능을 구현하기 위해 HSM(Hardware Security Module) 등으로 구현될 수 있다. When the withdrawal request is received, the authentication unit 113 authenticates the withdrawal request at the request of the user correspondence unit 111 . For example, the authenticator 113 may be implemented as a hardware security module (HSM) or the like to implement data protection functions such as encryption, key management, digital signature, and user authentication based on hardware.
예를 들어, 인증부(113)는 출금 요청을 위해 유저 단말(130)에서 제공된 개인 비밀키(private key)를 이용한 인증을 수행할 수 있다. 여기서, 인증부(113)는 n-of-m 멀티시그(multisig) 기술을 이용할 수도 있다. For example, the authentication unit 113 may perform authentication using a private key provided from the user terminal 130 for a withdrawal request. Here, the authenticator 113 may use an n-of-m multisig technology.
또한, 인증부(113)는 해당 이용자가 단축 항목 정보에 추가 인증 정보로 등록한 인증 정보들을 이용하여 추가적인 인증을 수행할 수 있다. In addition, the authentication unit 113 may perform additional authentication using authentication information registered by the user as additional authentication information in the shortened item information.
또한, 회원 가입 및/또는 전자지갑의 생성시 이용자가 출금 거래 조건을 한정하도록 설정하여 데이터베이스(119)에 저장된 제한 설정 정보가 존재하는 경우, 인증부(113)는 해당 출금 요청이 제한 설정 정보에 해당하는지에 관하여 추가적인 인증을 수행할 수 있다. 제한 설정 정보는 예를 들어 이용자가 출금 요청시 이용할 유저 단말에 대한 한정 정보, 출금 요청할 국가에 대한 한정 정보 등일 수 있다. In addition, when there is restriction setting information stored in the database 119 by setting the user to limit withdrawal transaction conditions when registering for membership and/or creating an electronic wallet, the authentication unit 113 determines that the corresponding withdrawal request is based on the restriction setting information. Additional authentication may be performed as to whether it is applicable. The restriction setting information may be, for example, limited information on a user terminal to be used when a user requests a withdrawal, limited information on a country to request a withdrawal, and the like.
이와 별도로, 해당 출금 요청이 가상 화폐의 송금 요청인 경우, 수신자가 데이터베이스(119)에 미리 등록된 블랙 리스트에 포함되었는지 여부를 추가적으로 확인할 수 있다. Separately, if the corresponding withdrawal request is a virtual currency remittance request, it may be additionally checked whether the recipient is included in the black list previously registered in the database 119 .
인증부(113)는 예를 들어, 개인 비밀키가 유효하지 않거나, 추가 인증 정보로 등록된 인증 정보를 이용한 인증이 실패로 인정되거나, 제한 설정 정보를 만족하지 않는 출금 요청이거나, 송금 거래를 위한 수신자가 블랙리스트에 포함된 경우에는 인증 실패 정보를 유저 대응부(111)로 전송할 수 있다. 유저 대응부(111)는 인증 실패 정보가 수신되면, 인증 실패 사유와 함께 출금 거절 정보를 유저 단말(130)로 전송할 것이다. The authentication unit 113 is, for example, the personal secret key is invalid, authentication using the authentication information registered as additional authentication information is recognized as a failure, is a withdrawal request that does not satisfy the restriction setting information, or for a remittance transaction When the recipient is included in the blacklist, authentication failure information may be transmitted to the user correspondence unit 111 . When the authentication failure information is received, the user correspondence unit 111 will transmit withdrawal rejection information to the user terminal 130 together with the reason for the authentication failure.
인증부(113)에 의한 인증이 성공적으로 완료된 후 환산 승인 시간이 만료되면, 노드 관리부(115)는 유저 대응부(111)의 요청에 의해 출금 요청에 대한 거래 정보를 온라인 상에서 블록에 저장하고, 해당 블록 정보를 블록체인 네트워크(150)에 전파하여, 블록체인 네트워크(150)로부터 해당 출금 요청에 대한 유효성을 승인받는다. 승인된 출금 요청(즉, 거래)은 새로운 블록으로 기존의 블록 체인에 연결된다. When the conversion approval time expires after the authentication by the authentication unit 113 is successfully completed, the node management unit 115 stores the transaction information for the withdrawal request in a block online at the request of the user correspondence unit 111, By propagating the corresponding block information to the blockchain network 150 , the validity of the corresponding withdrawal request is approved from the blockchain network 150 . An approved withdrawal request (i.e. a transaction) is linked to the existing blockchain as a new block.
노드 관리부(115)는 하나 이상의 블록체인 노드 서버로 구현될 수 있으며, 출금 요청을 전송한 유저 단말(130)도 블록체인 네트워크(150)에 일 구성요소로 포함될 수 있음은 당연하다. The node manager 115 may be implemented as one or more block chain node servers, and it is natural that the user terminal 130 that has transmitted the withdrawal request may also be included as a component in the block chain network 150 .
인증부(113)에 의해 출금 요청한 이용자가 인증되고, 노드 관리부(115)에 의해 블록 정보가 블록체인 네트워크(150)를 이용하여 기존의 블록 체인에 연결되도록 처리되면, 계좌 관리부(117)는 유저 대응부(111)의 요청에 따라 출금 요청에 상응하는 환전 또는 송금 등을 위해 가상 화폐의 전송을 수행한다. 정상적인 출금 요청에 따른 계좌 관리부(117)의 동작은 당업자에게 자명한 사항이므로 이에 대한 구체적인 설명은 생략한다. When the user who requested withdrawal by the authentication unit 113 is authenticated and the block information is processed by the node management unit 115 to be connected to the existing block chain using the block chain network 150, the account management unit 117 is the user In response to the request of the corresponding unit 111, virtual currency is transmitted for exchange or remittance corresponding to the withdrawal request. Since the operation of the account management unit 117 in response to a normal withdrawal request is obvious to those skilled in the art, a detailed description thereof will be omitted.
유저 단말(130)로부터 수신된 출금 요청이 환전하거나 특정의 수신자에게 가상 화폐를 전송하는 송금 요청 등의 경우, 출금 요청은 도 3의 (a)에 예시된 바와 같이 수신자의 지갑 주소, 송금액에 대한 정보를 포함한다. When the withdrawal request received from the user terminal 130 is a request for money exchange or transfer of virtual currency to a specific recipient, the withdrawal request is for the recipient's wallet address and remittance amount as exemplified in (a) of FIG. 3 . include information.
그러나, 지갑 주소는 영문 대소문자와 숫자가 무질서하게 뒤섞인 약 30 내지 40자리의 긴 문자열로 구성되어 있다. However, the wallet address consists of a long string of about 30 to 40 characters in which English uppercase and lowercase letters and numbers are randomly mixed.
이와 같이, 지갑 주소는 복잡한 형태의 긴 문자열로 구성되어 있어, 외우기 어려울 뿐 아니라 이용자가 입력하는 과정에서 많은 혼동과 오류를 야기시킨다. As such, the wallet address is composed of a long string in a complex form, which is difficult to memorize and causes a lot of confusion and errors in the user input process.
따라서, 대부분의 이용자들은 긴 문자열로 구성된 지갑 주소를 복사(예를 들어, 컨트롤키와 c키를 조합)하여 송금 대상 지갑 주소란에 붙여넣기(예를 들어, 컨트롤키와 v키를 조합)하고 있다. Therefore, most users copy the wallet address composed of a long string (for example, combining the control key and the c key) and pasting it into the remittance target wallet address field (for example, combining the control key and the v key). .
이용자가 복사한 지갑 주소는 클립보드 영역이라 불리는 메모리 영역에 임시 저장되는데, 유저 단말(130)이 악성 코드에 감염된 경우에는 클립 보드에 임시 저장된 지갑 주소가 해커의 지갑 주소로 바꿔치기되는 상황도 발생되고 있다. 그러나, 수신자의 지갑 주소가 해커의 지갑 주소로 바꿔치기되더라도 지갑 주소가 복잡한 형태의 긴 문자열로 구성되어 있어 지갑 주소가 바꿔치기되었음을 인식하기 어려운 문제점도 있다. The wallet address copied by the user is temporarily stored in a memory area called the clipboard area. When the user terminal 130 is infected with malicious code, a situation in which the wallet address temporarily stored in the clipboard is replaced with the hacker's wallet address also occurs. is becoming However, even if the recipient's wallet address is replaced with the hacker's wallet address, there is a problem in that it is difficult to recognize that the wallet address has been replaced because the wallet address is composed of a long string in a complex form.
이러한 문제점을 해결하기 위해, 본 실시예의 거래소 시스템(110)의 계좌 관리부(117)는 출금 요청에 포함된 수신자의 이메일 주소를 이용하여 수신자의 지갑 주소를 특정하도록 구현될 수 있다(도 3의 (b) 참조). In order to solve this problem, the account management unit 117 of the exchange system 110 of the present embodiment may be implemented to specify the recipient's wallet address using the recipient's email address included in the withdrawal request (FIG. 3 (( b) see).
이를 위해, 이용자들 각각의 이메일 주소와 지갑 주소에 대한 연동 정보는 데이터베이스(119)에 저장되어 관리될 수 있다. 또는, 이용자들 각각의 이메일 주소와 지갑 주소에 대한 연동 정보가 블록 정보로서 블록 체인에 연결되도록 블록체인 네트워크(150)에 전파되어 관리될 수도 있다. To this end, linkage information for each user's email address and wallet address may be stored and managed in the database 119 . Alternatively, linkage information for each user's email address and wallet address may be propagated to and managed by the block chain network 150 so as to be connected to the block chain as block information.
전술한 바와 같이, 본 실시예에 따른 거래소 시스템(110)은 출금 요청에 수신자의 지갑 주소를 대체하여 수신자의 이메일 주소가 포함될 수 있도록 함으로써, 가상 화폐의 출금 편의가 극대화되고, 이용자가 해킹 사실을 쉽게 파악하여 대응할 수 있도록 하는 장점이 있다. As described above, the exchange system 110 according to the present embodiment allows the recipient's email address to be included in the withdrawal request by replacing the recipient's wallet address, thereby maximizing the convenience of withdrawing virtual currency and allowing the user to check the fact of hacking. It has the advantage of being able to easily identify and respond to it.
도 4는 본 발명의 일 실시예에 따른 가상 화폐의 출금 처리 방법을 나타낸 순서도이다.4 is a flowchart illustrating a virtual currency withdrawal processing method according to an embodiment of the present invention.
도 4를 참조하면, 거래소 시스템(110)은 단계 410에서 이용자로부터 전자 지갑에 보관된 가상 화폐의 출금(예를 들어, 환전, 송금 등)을 위한 출금 요청을 수신한다. Referring to FIG. 4 , the exchange system 110 receives a withdrawal request for withdrawal (eg, currency exchange, remittance, etc.) of virtual currency stored in the electronic wallet from the user in step 410 .
단계 420에서, 거래소 시스템(110)은 출금 요청한 이용자에 상응하도록 저장된 개인 정보를 이용하여 출금 요청의 유효성에 대한 인증을 수행한다. In step 420, the exchange system 110 authenticates the validity of the withdrawal request using the stored personal information corresponding to the user who requested the withdrawal.
거래소 시스템(110)의 인증 처리는 예를 들어, 유저 단말(130)로부터 제공된 개인 비밀키를 이용한 인증뿐 아니라, 해당 이용자가 단축 항목 정보에 등록한 추가 인증 정보(예를 들어, OTP, 생체 정보 등)를 이용하여 추가적인 인증을 수행할 수 있다. The authentication processing of the exchange system 110 is, for example, authentication using the personal secret key provided from the user terminal 130, as well as additional authentication information (eg, OTP, biometric information, etc.) registered by the user in the shortened item information. ) to perform additional authentication.
이때, 거래소 시스템(110)은 해당 이용자에 상응하도록 데이터베이스(119)에 제한 설정 정보가 저장되어 있는 경우, 해당 출금 요청이 제한 설정 정보에 해당하는지 여부를 추가적으로 인증할 수 있다. 제한 설정 정보는 예를 들어 이용자가 출금 요청시 이용할 유저 단말에 대한 한정 정보, 출금 요청할 국가에 대한 한정 정보 등일 수 있다.In this case, when the limit setting information is stored in the database 119 to correspond to the user, the exchange system 110 may additionally authenticate whether the corresponding withdrawal request corresponds to the limit setting information. The restriction setting information may be, for example, limited information on a user terminal to be used when a user requests a withdrawal, limited information on a country to request a withdrawal, and the like.
이와 별도로, 해당 출금 요청이 가상 화폐의 송금 요청인 경우, 수신자가 데이터베이스(119)에 미리 등록된 블랙 리스트에 포함되었는지 여부를 추가적으로 확인할 수도 있다.Separately, when the corresponding withdrawal request is a virtual currency remittance request, it may be additionally checked whether the recipient is included in the black list previously registered in the database 119 .
단계 430에서, 거래소 시스템(110)은 이용자의 출금 요청이 정상적으로 인증 완료되면, 출금 요청 정보를 데이터베이스(119)에 저장하고, 출금 요청이 정상 등록되었음을 유저 단말(130)로 통지한다. In step 430 , when the user's withdrawal request is normally authenticated, the exchange system 110 stores the withdrawal request information in the database 119 and notifies the user terminal 130 that the withdrawal request is normally registered.
단계 440에서, 거래소 시스템(110)은 이용자에 상응하도록 데이터베이스(119)에 저장된 단축 항목 정보를 참조하여 이용자에 부합하는 단축 시간과 환산 승인 시간을 산출한다. In step 440, the exchange system 110 refers to the shortened item information stored in the database 119 to correspond to the user and calculates the shortened time and the conversion approval time corresponding to the user.
단축 항목 정보는 예를 들어 이용자의 신용 등급 정보, 추가 인증 정보, 거래소 시스템(110)을 대상으로 하는 실적 정보 등이 포함될 수 있다. 단축 항목 정보에 포함된 단축 항목별로 지정된 포인트가 각각 미리 부여될 수 있다. The shortened item information may include, for example, the user's credit rating information, additional authentication information, and performance information targeting the exchange system 110 . Points designated for each shortened item included in the shortened item information may be given in advance, respectively.
예를 들어, 이용자의 신용 등급 정보는 통신망을 통해 미리 지정된 신용 평가사로부터 제공받을 수 있고, 추가 인증 정보에는 이용자의 휴대폰 인증 여부, OTP(One Time Password) 카드 등록 여부, 얼굴 정보 등록 여부, 지문 정보 등록 여부, 홍채 정보 등록 여부 등이 포함될 수 있다. 또한, 실적 정보는 거래소 시스템(110)을 대상으로 하는 가상 화폐의 거래량, 거래 건수 등이 구간으로 나뉘어 구분되도록 설정될 수 있다. For example, the user's credit rating information can be provided from a credit rating agency designated in advance through the communication network. Whether to register, whether to register iris information, etc. may be included. In addition, the performance information may be set so that the transaction volume of virtual currency targeting the exchange system 110 , the number of transactions, etc. are divided into sections.
단축 시간은 예를 들어, 해당 이용자에 대한 단축 항목 정보에 따른 포인트의 합산값, 또는 포인트의 합산값이 해당되는 이용자 등급을 이용하여 산출될 수 있고, 환산 승인 시간은 미리 설정된 기준 승인 시간에서 단축 시간을 차감하여 산출될 수 있다. 다른 예로서, 단축 시간은 단축 항목 정보에 포함되는 신용 등급 정보, 추가 인증 정보 및 실적 정보 각각의 포인트 합산값에 미리 설정된 가중치 값이 곱셈 연산되고, 이들이 합산된 합산값, 또는 합산값이 해당되는 이용자 등급을 이용하여 산출될 수도 있다.The shortened time may be calculated, for example, by using the user class to which the sum of points or the sum of points according to the shortened item information for the user corresponds, and the conversion approval time is shortened from the preset standard approval time It can be calculated by subtracting time. As another example, the shortened time is calculated by multiplying a preset weight value by the sum of each point of credit rating information, additional authentication information, and performance information included in the shortened item information, It can also be calculated using user ratings.
환산 승인 시간이 만료되면, 거래소 시스템(110)은 단계 450에서 이용자의 출금 요청에 따른 출금 처리를 수행한다. When the conversion approval time expires, the exchange system 110 performs withdrawal processing according to the user's withdrawal request in step 450 .
구체적으로, 출금 처리는 출금 요청에 대한 거래 정보를 온라인 상에서 블록에 저장하고, 해당 블록 정보를 블록체인 네트워크(150)에 전파하여, 블록체인 네트워크(150)로부터 해당 출금 요청에 대한 유효성을 승인받은 후, 출금 요청에 상응하도록 가상 화폐의 전송을 수행하는 절차로 수행될 수 있다. Specifically, in the withdrawal process, transaction information for a withdrawal request is stored in a block online, the block information is propagated to the block chain network 150, and the validity of the withdrawal request is approved by the block chain network 150. After that, it may be performed as a procedure for performing the transfer of virtual currency to correspond to the withdrawal request.
일반적으로, 출금 요청시 가상 화폐 등이 수신될 지갑 주소가 입력된다. 지갑 주소는 복잡한 형태의 긴 문자열로 구성되어 이용시 불편하기 때문에, 지갑 주소를 복사하여 송금 대상 지갑 주소란에 붙여넣기하는 방법이 주로 이용되고 있다. In general, when a withdrawal request is made, a wallet address to which virtual currency will be received is input. Since the wallet address consists of a long string in a complex form and is inconvenient to use, the method of copying the wallet address and pasting it into the remittance target wallet address field is mainly used.
그러나, 복사 및 붙여넣기의 방법은 보안상 취약한 문제점이 있어, 본 실시예에 따른 거래소 시스템(110)은 출금 요청에 지갑 주소 대신 이메일 주소가 이용될 수 있도록 하는 특징이 있다. However, the method of copying and pasting has a weak security problem, so the exchange system 110 according to the present embodiment has a feature that allows an email address to be used instead of a wallet address for a withdrawal request.
즉, 출금 요청에 수신자의 이메일 주소가 포함되면, 거래소 시스템은 이메일 주소와 지갑 주소 간의 연동 정보를 이용하여, 이메일 주소를 이용하여 지갑 주소를 특정하고, 특정된 지갑 주소로 가상 화폐로 전송할 수 있다. 연동 정보는 데이터베이스(119)에 저장되거나, 블록체인 네트워크(150)에 전파되어 관리될 수 있다. That is, if the e-mail address of the recipient is included in the withdrawal request, the exchange system can use the linkage information between the e-mail address and the wallet address, specify the wallet address using the e-mail address, and transmit it as virtual currency to the specified wallet address. . The interworking information may be stored in the database 119 or may be propagated to and managed by the blockchain network 150 .
상술한 가상 화폐의 출금 처리 방법은 디지털 처리 장치에 내장된 소프트웨어 프로그램, 어플리케이션 등으로 구현되어 시계열적 순서에 따른 자동화된 절차로 수행될 수도 있음은 당연하다. 상기 프로그램 등을 구성하는 코드들 및 코드 세그먼트들은 당해 분야의 컴퓨터 프로그래머에 의하여 용이하게 추론될 수 있다. 또한, 상기 프로그램은 컴퓨터가 읽을 수 있는 정보저장매체(computer readable media)에 저장되고, 컴퓨터에 의하여 읽혀지고 실행됨으로써 상기 방법을 구현한다. It goes without saying that the above-described virtual currency withdrawal processing method may be implemented as a software program, an application, etc. embedded in a digital processing device, and may be performed as an automated procedure according to a time-series sequence. Codes and code segments constituting the program or the like can be easily inferred by a computer programmer in the art. In addition, the program is stored in a computer readable medium (computer readable media), read and executed by the computer to implement the method.
상기에서는 본 발명의 실시예를 참조하여 설명하였지만, 해당 기술 분야에서 통상의 지식을 가진 자라면 하기의 특허 청구의 범위에 기재된 본 발명의 사상 및 영역으로부터 벗어나지 않는 범위 내에서 본 발명을 다양하게 수정 및 변경시킬 수 있음을 이해할 수 있을 것이다.Although the above has been described with reference to the embodiments of the present invention, those of ordinary skill in the art can variously modify the present invention within the scope without departing from the spirit and scope of the present invention described in the claims below. and may be changed.

Claims (9)

  1. 유저 단말로부터 가상 화폐에 대한 출금 요청을 수신하고, 출금 요청한 이용자에 부합하는 환산 승인 시간을 산출하는 유저 대응부;a user correspondence unit for receiving a withdrawal request for virtual currency from the user terminal and calculating a conversion approval time corresponding to the user who requested the withdrawal;
    상기 이용자에 대한 인증을 수행하는 인증부; 및an authentication unit that authenticates the user; and
    상기 환산 승인 시간이 경과되면, 인증이 성공적으로 완료된 출금 요청에 상응하여 가상 화폐의 출금을 처리하는 계좌 관리부를 포함하는 거래소 시스템.and an account management unit that processes withdrawal of virtual currency in response to a withdrawal request for which authentication is successfully completed when the conversion approval time has elapsed.
  2. 제1항에 있어서,According to claim 1,
    상기 유저 대응부는 상기 이용자에 상응하는 단축 항목 정보를 참조하여 단축 시간을 산출하고, 미리 설정된 기준 승인 시간에서 상기 단축 시간을 차감하여 상기 환산 승인 시간을 산출하되,The user response unit calculates the shortened time by referring to the shortened item information corresponding to the user, and calculates the conversion approval time by subtracting the shortened time from the preset reference approval time,
    상기 단축 항목 정보는 단축 항목별로 포인트가 미리 부여되고,In the shortened item information, points are given in advance for each shortened item,
    상기 단축 시간은 상기 이용자에 대한 단축 항목 정보에 따른 포인트의 합산값 또는 포인트의 합산값이 해당되는 이용자 등급을 이용하여 산출되는 것을 특징으로 하는, 거래소 시스템.The shortened time is an exchange system, characterized in that calculated using a user class to which the sum of points or the sum of points according to the shortened item information for the user corresponds.
  3. 제1항에 있어서,According to claim 1,
    상기 유저 대응부는 상기 이용자에 상응하는 단축 항목 정보를 참조하여 단축 시간을 산출하고, 미리 설정된 기준 승인 시간에서 상기 단축 시간을 차감하여 상기 환산 승인 시간을 산출하되,The user response unit calculates a shortened time with reference to the shortened item information corresponding to the user, and calculates the conversion approval time by subtracting the shortened time from a preset reference approval time,
    상기 단축 항목 정보는 단축 항목별로 포인트가 미리 부여되고,In the shortened item information, points are given in advance for each shortened item,
    상기 단축 시간은 상기 이용자에 상응하여 신용 등급 정보, 추가 인증 정보 및 실적 정보 각각의 포인트 합산값에 미리 설정된 가중치 값이 곱셈 연산되고, 이들이 합산된 합산값 또는 합산값이 해당되는 이용자 등급을 이용하여 산출되는 것을 특징으로 하는, 거래소 시스템. The shortened time is calculated by multiplying the sum of credit rating information, additional authentication information, and performance information by a preset weight value corresponding to the user, and using the sum or user rating to which the sum is applied Characterized in that it is calculated, the exchange system.
  4. 제3항에 있어서,4. The method of claim 3,
    상기 신용 등급 정보는 미리 지정된 신용 평가사 장치로부터 통신망을 통해 제공받는 것을 특징으로 하는, 거래소 시스템.The credit rating information is characterized in that it is provided from a predetermined credit rating agency device through a communication network, the exchange system.
  5. 제1항에 있어서,The method of claim 1,
    상기 인증부는 상기 출금 요청이 상기 이용자에 대해 미리 저장된 제한 설정 정보를 만족하는지 여부를 더 판단하되,The authentication unit further determines whether the withdrawal request satisfies the previously stored restriction setting information for the user,
    상기 제한 설정 정보는 상기 이용자가 출금 요청시 이용할 유저 단말에 대한 한정 정보, 출금 요청할 국가에 대한 한정 정보 중 하나 이상을 포함하는 것을 특징으로 하는, 거래소 시스템.The restriction setting information includes at least one of limited information on a user terminal to be used by the user when requesting a withdrawal and limited information on a country to request a withdrawal from.
  6. 제1항에 있어서,The method of claim 1,
    상기 출금 요청에 수신자의 지갑 주소를 대체하도록 수신자의 이메일 주소가 포함된 경우, 상기 계좌 관리부는 상기 지갑 주소와 상기 이메일 주소에 대한 연동 정보를 이용하여 특정한 상기 수신자의 지갑 주소로 가상 화폐의 출금 처리를 수행하는 것을 특징으로 하는, 거래소 시스템.When a recipient's email address is included in the withdrawal request to replace the recipient's wallet address, the account manager processes the withdrawal of virtual currency to a specific recipient's wallet address by using the linkage information for the wallet address and the email address characterized in that to perform, the exchange system.
  7. 제6항에 있어서,7. The method of claim 6,
    상기 연동 정보는 데이터베이스에 미리 저장되거나 블록체인 네트워크에 전파되어 관리되는 것을 특징으로 하는, 거래소 시스템.The exchange system, characterized in that the interworking information is stored in advance in a database or is propagated and managed in a block chain network.
  8. 가상 화폐의 출금 처리 방법에 있어서,A virtual currency withdrawal processing method, comprising:
    유저 대응부가 유저 단말로부터 전송된 가상 화폐에 대한 출금 요청을 입력받는 단계;receiving, by the user correspondence unit, a withdrawal request for virtual currency transmitted from the user terminal;
    인증부가 상기 출금 요청에 대한 인증을 수행하는 단계;performing, by an authentication unit, authentication on the withdrawal request;
    인증이 성공적으로 완료되면, 상기 유저 대응부가 상기 출금 요청한 이용자에 부합하는 환산 승인 시간을 산출하는 단계; 및when the authentication is successfully completed, calculating, by the user correspondence unit, a conversion approval time corresponding to the user who requested the withdrawal; and
    상기 환산 승인 시간이 경과되면, 계좌 관리부가 상기 출금 요청에 상응하여 가상 화폐의 출금을 처리하는 단계를 포함하는 가상 화폐의 출금 처리 방법.and when the conversion approval time elapses, the account management unit processes the withdrawal of virtual currency in response to the withdrawal request.
  9. 제8항에 있어서,9. The method of claim 8,
    상기 출금 요청에 수신자의 지갑 주소를 대체하도록 수신자의 이메일 주소가 포함된 경우, 상기 계좌 관리부는 상기 지갑 주소와 상기 이메일 주소에 대한 연동 정보를 이용하여 특정한 상기 수신자의 지갑 주소로 가상 화폐의 출금 처리를 수행하는 것을 특징으로 하는, 가상 화폐의 출금 처리 방법.When a recipient's email address is included in the withdrawal request to replace the recipient's wallet address, the account manager processes the withdrawal of virtual currency to a specific recipient's wallet address by using the linkage information for the wallet address and the email address A method of processing virtual currency withdrawal, characterized in that performing a.
PCT/KR2021/005667 2020-11-25 2021-05-06 Virtual currency withdrawal-processing method and exchange system WO2022114413A1 (en)

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