KR102429569B1 - A system of Virtual currency using machine learning - Google Patents

Abstract

The present invention provides a virtual currency trading system capable of paying at travel agencies, hotels, restaurants, and general merchants with virtual currency. According to one embodiment, the virtual currency trading method performed in a virtual currency trading system comprising a server and a first user terminal including a front camera and a display comprises: a step in which the server obtains a first input value of a user from the first user terminal; a step in which the server transmits a signal to output a selection window asking whether the user is a member on the display to the first user terminal; a step in which the server performs identity authentication corresponding to the input value for the selection window obtained from the first user terminal; a step in which the server, when the identity authentication is completed, obtains a real-time price of virtual currency from a first external server and transmits a signal to output the real-time price on the display to the first user terminal; a step in which the server performs a task for deposit, withdrawal, purchase or sale corresponding to a second input value; and a step in which the server, when the task is completed, sends a signal to output a task completion alarm on the display to the first user terminal.

Description

A system of Virtual currency using machine learning

The present invention relates to a virtual currency transaction system that can be linked with an ATM, POS, and kiosk to make interlocking payments with virtual assets at restaurants, etc.

Recently, as interest in coins has been concentrated, demand for cryptocurrency payment systems related to coins is increasing. In particular, research to develop technologies for using coins, which are virtual currencies, in real life is being actively conducted. When using virtual currency, identity authentication, identity information, currency exchange history, transaction history, etc. are all recorded on the block chain, and this record creates a serial number (NFT) unique to each individual, and all transaction details for each individual are recorded. By recording all individual transaction details, you can use a system that is automatically reported in the relevant period, such as the National Tax Service, Customs Service, FIU, and FATF.

At this time, since personal information problems or credit problems may occur, it may be necessary to authenticate the individual's identity with a smartphone or other terminal. Therefore, the need for a means to authenticate individual credit is increasing, and it is necessary to record this in connection with blockchain technology.

Republic of Korea Patent Publication No. 10-2019-0045949 (2019.05.07.) Republic of Korea Patent Publication No. 10-2014-0003840 (2014.01.10.)

The present invention can provide a virtual currency transaction system that allows payment through virtual currency in travel agencies, hotels, restaurants, and general affiliated stores.

In the virtual currency transaction method performed in a virtual currency transaction system including a server, a first user terminal including a front camera and a display according to an embodiment, the server receives a user's first input value from the first user terminal acquiring, sending, by the server, a signal for displaying, on the display, a selection window asking whether the user is a member, to the first user terminal, the server, the selection obtained from the first user terminal performing identity authentication corresponding to an input value for a window, the server, when the identity authentication is completed, obtains a real-time price of virtual currency from a first external server and sends a signal to display on the display to the first user transmitting to the terminal, the server performing a task for deposit, withdrawal, purchase or sale corresponding to the second input value, and when the server completes the task, a task performance completion alarm is displayed on the display It may include the step of transmitting a display signal to the first user terminal.

The virtual currency transaction method may include: obtaining, by the server, an exchange input signal from the first user terminal; comparing, by the server, an amount included in the exchange input signal with an extra limit for the user's electronic wallet step, the server, if the limit surplus amount is greater than the amount included in the exchange input signal, transmitting an exchange signal to a second external server based on the exchange input signal, the server, the second external server Obtaining a currency exchange response signal corresponding to the exchange signal from the server, based on the exchange response signal, may further include the step of transmitting an exchange result alarm to the first user terminal.

The step of performing, by the server, the user authentication corresponding to the input value for the selection window obtained from the first user terminal, includes, by the server, obtaining a non-member user access signal from the first user terminal, the server A, transmitting a non-member authentication request command signal to the first user terminal, obtaining, by the server, the ID information of the non-member user from the first user terminal and personal image information through the camera, the identification information issuing the unique serial number of the non-member user based on

In the virtual currency transaction method, if the server determines that the user is the person, creating an electronic wallet corresponding to the unique serial number, the server setting the use limit index of the electronic wallet, the server , determining a usage limit amount corresponding to the usage limit index, converting, by the server, the amount input by the user within the usage limit amount in response to the input signal of the user, and the server, The method may further include transferring the remaining amount to the user's account or sending it to an electronic wallet corresponding to the user's unique serial number.

In the virtual currency transaction method, when the server receives a transaction signal from the first user terminal, recording transaction details in virtual currency corresponding to the transaction signal, the server, the transaction in the unique serial number Recording details, the server transmitting tax-related data to a third external server, the server transmitting currency exchange-related data to a fourth external server, the server, the transaction being a predetermined suspicious condition The method may further include the steps of reporting a suspicious transaction to a fifth external server and transmitting, by the server, an alarm reporting the tax-related data, the currency exchange-related data, and the suspicious transaction to the user.

The virtual currency transaction method includes, by the server, obtaining a membership subscription signal from the first user terminal, the server transmitting a subscription authentication request command signal to the first user terminal, the server, 1 obtaining the user's ID information from the user terminal and the user's image information through the camera, the server, after accepting the user's membership subscription, pays the user a predetermined virtual currency to the electronic wallet Step, by the server, transmitting a signal indicating whether the predetermined virtual currency is to be paid to the first user terminal, the server setting the amount corresponding to the predetermined virtual currency in the country in which the user has set displaying a currency amount; issuing, by the server, a unique serial number to the user based on the identification information and the personal image information; when the server receives a transaction signal from the first user terminal, the Recording the transaction details in virtual currency corresponding to the transaction signal, the server, the step of recording the transaction details in the unique serial number, the server, the tax-related data of the second user to the third external server transmitting, by the server, transmitting the currency exchange-related data of the second user to the 4 external servers, and the server reporting the suspicious transaction to the fifth external server if the transaction meets a predetermined suspicious condition may include more.

The present invention can improve user convenience by using virtual currency in conjunction with a kiosk, etc. at a travel agency, a hotel catering company, and a general affiliated store.

The present invention can improve the stability of payment by dividing the payment into members and non-members, and can be used as data related to tax payment after the enforcement of the Special Act, and information corresponding to suspicious transactions such as money laundering can be used in relation to FIU, etc. By transmitting to an institution, suspicious transactions can be prevented in advance.

BRIEF DESCRIPTION OF THE DRAWINGS The accompanying drawings, which are included as part of the detailed description to aid understanding of the various embodiments, provide various embodiments and, together with the detailed description, explain technical features of the various embodiments.
1 is a diagram illustrating an operation of a processor according to an embodiment.
2 illustrates a virtual account trading system according to an embodiment.
3 illustrates an operation of performing a virtual account transaction business according to an exemplary embodiment.
4 illustrates a virtual currency exchange operation according to an embodiment.
5 illustrates an operation of determining a usage limit amount according to an exemplary embodiment.
6 illustrates a virtual currency transaction operation according to an embodiment.
7 illustrates an operation of registering as a member of a virtual account according to an exemplary embodiment.
8 illustrates an operation of exchanging money through the first user terminal according to an embodiment.

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 should be understood to include all modifications, equivalents and substitutes included in the spirit and scope of the present invention. In describing each figure, like reference numerals have been used for like elements.

Terms such as first, second, A, B, etc. may be used to describe various elements, but the elements should not be limited by the terms. The above terms are used only for the purpose of distinguishing one component from another. For example, without departing from the scope of the present invention, a first component may be referred to as a second component, and similarly, a second component may also be referred to as a first component. The term “and/or” includes any combination of a plurality of related listed items or any of a plurality of related listed items.

When a component is referred to as being “connected” or “connected” to another component, it may be directly connected or connected to the other component, but it is understood that other components may exist in between. it should be On the other hand, when it is said that a certain element is "directly connected" or "directly connected" to another element, it should be understood that the other element does not exist in the middle.

The terms used in the present application are only used to describe specific embodiments, and are not intended to limit the present invention. The singular expression includes the plural expression unless the context clearly dictates otherwise. In the present application, 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 the presence or addition of numbers, steps, operations, components, parts, or combinations thereof.

Unless defined otherwise, all terms used herein, including technical or scientific terms, have the same meaning as commonly understood by one of ordinary skill in the art to which this invention belongs. Terms such as those defined in a commonly used dictionary should be interpreted as having a meaning consistent with the meaning in the context of the related art, and should not be interpreted in an ideal or excessively formal meaning unless explicitly defined in the present application. does not

Hereinafter, preferred embodiments of the present invention will be described in more detail with reference to the accompanying drawings. In describing the present invention, in order to facilitate the overall understanding, the same reference numerals are used for the same components in the drawings, and duplicate descriptions of the same components are omitted.

1 is a diagram illustrating an operation of a processor belonging to a server according to an embodiment. Referring specifically to FIG. 1 , the at least one processor 110 is a central processing unit (CPU), a graphics processing unit (GPU), or a dedicated unit in which methods according to embodiments of the present invention are performed. may mean a processor of Each of the memory 120 and the storage device 160 may be configured as at least one of a volatile storage medium and a non-volatile storage medium. For example, the memory 120 may be one of a read only memory (ROM) and a random access memory (RAM), and the storage device 160 is a flash-memory. , a hard disk drive (HDD), a solid state drive (SSD), or various memory cards (eg, micro SD card).

In addition, the server 100 may be included in the server, and may include a transceiver 130 for performing communication through a wireless network. In addition, the server 100 may further include an input interface device 140 , an output interface device 150 , a storage device 160 , and the like. Each of the components included in the server 100 may be connected by a bus 170 to communicate with each other.

For example, a communicationable desktop computer (desktop computer), laptop computer (laptop computer), notebook (notebook), smart phone (smart phone), tablet PC (tablet PC), mobile phone (mobile phone), smart Watch (smart watch), smart glass (smart glass), e-book reader, PMP (portable multimedia player), portable game console, navigation device, digital camera, DMB (digital multimedia broadcasting) player, digital It may be a digital audio recorder, a digital audio player, a digital video recorder, a digital video player, a personal digital assistant (PDA), or the like.

2 illustrates a virtual account trading system according to an embodiment.

Referring specifically to FIG. 2 , the server obtains the first input value of the user from the first user terminal 1 , and transmits a signal for displaying on the display a selection window asking whether the user is a member. Transmitted to the user terminal 1, the user authentication corresponding to the input value for the selection window obtained from the first user terminal 1 is performed, and when the identity authentication is completed, the first external server 2 acquires the real-time price of virtual currency from the , transmits a signal displayed on the display to the first user terminal 1, and performs tasks for deposit, withdrawal, purchase or sale corresponding to the second input value, and When the task is completed, a signal for displaying a task performance completion alarm on the display may be transmitted to the first user terminal 1 . The first user terminal 1 may include an ATM, a kiosk, a POS, and the like, and may refer to a universal device including a camera and a display. It can be used in restaurants or pubs and general stores. The first input value may mean a touch for first executing the first user terminal 1 . That is, the first input value may mean touching a corresponding area on the display to execute currency exchange, remittance, deposit, withdrawal, transaction, and the like. The selection window asking whether the user is a member may mean a window for selecting whether the user is a non-member/member. That is, it is possible to check whether the user is a member or a non-member when using virtual currency with the first user terminal 1 . Each member and non-member may have different limits on available services and amount. Thereafter, when the user authentication is completed by performing identity authentication, a real-time price of virtual currency can be obtained from the first external server 2 . The virtual currency may refer to digital money or electronic money used in an electronic form in a specific virtual space connected by a network without physical objects such as banknotes or coins. Virtual currency may include cryptocurrency. As will be described later in detail, when virtual currency is transacted through the kiosk, data corresponding to each of the third external server 5 , the fourth external server 3 , and the fifth external server may be transmitted. It is also possible to log in to the kiosk using the user's user terminal (4). This can be done using a QR code method, and in addition, it can be based on a commonly used method. In addition, the first user terminal 1 may be linked with the application of the user terminal 4 of the user, and based on information generated during virtual currency transaction, basic information for paying taxes including transfer tax to the first user It can be displayed on the terminal 1 or the user terminal 4 of the user. While using the first user terminal 1, authentication or various virtual currency transactions may be performed through the application, and other tasks such as currency exchange, deposit, and withdrawal may be interlocked.

3 illustrates an operation of performing a virtual account transaction business according to an exemplary embodiment. Referring specifically to FIG. 3 , the server obtains the first input value of the user from the first user terminal, and sends a signal for displaying a selection window asking whether the user is a member on the display to the first user terminal transmit, and perform identity authentication corresponding to the input value for the selection window obtained from the first user terminal, and when the identity authentication is completed, obtain a real-time price of virtual currency from the first external server and display it on the display Sending a display signal to the first user terminal, performing a task for deposit, withdrawal, purchase or sale corresponding to a second input value, and displaying a task performance completion alarm on the display when the task is completed A signal may be transmitted to the first user terminal. The first external server may refer to a server having market price information of virtual currency. The first input value may mean an input value for using virtual currency after user authentication is completed. That is, the first input value may mean an input value before user authentication to start using virtual currency, and the second input value may mean an input value for use after identity authentication is completed. The second input value may include various tasks such as deposit, withdrawal, purchase or sale of virtual currency, and the like.

In this case, the ATM may be a device connected to the server separately from the first user terminal.

That is, when rearranging FIG. 3 , the server can transmit (301) a signal for displaying a selection window asking whether the user is a member on the display to the first user terminal, and from the first user terminal to the input value for the selection window. Corresponding self-authentication process 302 can be performed, and when self-authentication is completed, a real-time price of virtual currency can be acquired and signal transmitted 303 displayed on the display, and the task corresponding to the second input value and the task are completed When done, it is possible to transmit (304) a signal for displaying a task performance completion alarm on the display.

4 illustrates a virtual currency exchange operation according to an embodiment.

Referring specifically to FIG. 4 , the server may obtain a currency exchange input signal from the first user terminal. The exchange input signal may mean that the user converts cash into virtual currency or virtual currency into cash. The server compares the amount included in the exchange input signal with the limit surplus amount for the user's electronic wallet, and the amount included in the exchange input signal may mean the amount the user wants to exchange, and the limit surplus The amount may mean the maximum amount that can be exchanged in the current user's electronic wallet. When the server, if the limit surplus amount is greater than the amount included in the exchange input signal, transmits an exchange signal to a second external server based on the exchange input signal, and the server responds to the exchange signal from the second external server. A corresponding exchange response signal may be obtained, and the server may transmit an exchange result alarm to the first user terminal based on the exchange response signal.

That is, the server may obtain a currency exchange input signal from the first user terminal and compare (401) the amount included in the exchange input signal and the limit surplus amount, and if the limit surplus amount is greater than the amount included in the exchange input signal, It is possible to transmit a currency exchange signal 402 to the second external server based on the exchange signal, and may transmit an exchange response signal acquisition and exchange result alarm to the first user terminal (403).

5 illustrates an operation of determining a usage limit amount according to an exemplary embodiment.

Referring specifically to FIG. 5 , the server may obtain a non-member user access signal from the first user terminal. The non-member user access signal may refer to a signal input and transmitted by a non-member who does not subscribe to use a service. The server transmits a non-member authentication request command signal to the first user terminal, obtains the ID information of the non-member user from the first user terminal and personal image information through the camera, and based on the ID information, the non-member user can issue a unique serial number of The user's ID information may mean information about a means for authenticating the user, such as resident registration card or passport information. The user's image information may include a user's face image photographed through a camera. The server may determine whether or not the identity matches the identity information and the identity information stored in advance with the identity information. In this case, the comparison between the user's image information and the stored identity information can be determined through the matching rate through machine learning. In this case, a deep learning model can be used, and it can be performed using a machine learning model. In this case, the learning data set may include various voice information and word information as the learning data set, and a supervised learning method may be used. In this case, the deep learning model module may use a deep neural network (DNN) algorithm. Without being limited to the description, convolutional neural network (CNN), recurrent neural network (RNN), Restricted Boltzmann Machine (RBM), 　 Deep Belief Network (DBN) algorithms are may be used, and since each algorithm is a well-known technique, a description thereof will be omitted.

When the server determines that the user is the person, the server creates an electronic wallet corresponding to the unique serial number, and the server may set a usage limit index of the electronic wallet. The use limit index may be based on Equation 1 below.

S may refer to the use limit index obtained through Equation (1). A may mean the user's age, and b may mean the user's work experience. F may mean a credit score, and C may mean a loan amount previously used by the user. X may mean the user's credit rating, and y may mean the user's annual salary. In this case, the usage limit index here is to divide the usage limit into stages, and the usage limit amount can be determined by multiplying the usage limit index by a numerical value set by the user. Through Equation 1, a large weight is given to the credit score, and the credit rating and annual salary can be considered collectively, and the existing loan amount can be reflected, but the weight can be reduced and considered along with other factors, and the age and workplace of the user The percentage of experience can be set, so the use limit index can be determined rationally. Through Equation 1, the user's age, work experience, credit score, loan amount, and credit rating can be comprehensively taken into consideration to efficiently calculate the usage limit, and the user's usage limit can be accurately determined. In addition, through this, illegal acts such as bad credit, financial fraud, and tax evasion can be prevented in advance. The usage limit amount can be determined in proportion to the usage limit index. That is, the higher the usage limit index, the higher the usage limit amount may be. However, it can be set in inverse proportion according to the user's settings, and other variables can be added, deleted, or changed. The server may determine a usage limit amount corresponding to the usage limit index, and the server may exchange the amount input by the user within the usage limit amount in response to the input signal of the user. That is, if the usage limit is 50 million won and the input amount is 70 million won, the server displays the content that only 50 million won is available through the first user terminal, and displays a window for selecting whether to cancel or use only 50 million won on the display. can be displayed

The server may remit the remaining amount after exchange to the user's account or to an electronic wallet corresponding to the user's unique serial number. At this time, the amount may remain after the exchange. This is because there may be virtual currencies whose price unit is not 1 won. At this time, the remaining amount can be transferred to the user's account or transferred to an electronic wallet with a unique serial number. In this case, the user's account may mean an account designated or set by the user.

In other words, it is possible to obtain a non-member user access signal, transmit a non-member authentication request command signal, and obtain identification information and image information of a non-member user (501), and issue a unique serial number and determine whether the person matches (502) based on the identification information. You can create an e-wallet corresponding to your unique serial number at your own discretion, set the usage limit index and determine the usage limit amount (503), and exchange and exchange the input amount within the usage limit amount in response to the input signal Afterwards, the remaining amount may be transferred to the account or transferred 504 to the electronic wallet.

6 illustrates a virtual currency transaction operation according to an embodiment.

6 , when the server receives the transaction signal from the first user terminal, the server may record the transaction details in virtual currency corresponding to the transaction signal. By recording transaction details in virtual currency, it is possible to transparently store individual transaction details. The server may record transaction details in a unique serial number and transmit tax-related data to a third external server. The third external server may refer to a server used by transaction details and tax-related organizations such as the National Tax Service. The server may transmit exchange-related data to the fourth external server. The fourth external server may mean a server linked with a bank. That is, data can be transmitted to the fourth external server for currency exchange and remittance, and the amount can be received or sent, and can be deposited and stored in a bank in relation to operating funds and foreign currency. If the transaction meets a predetermined suspicious condition, a suspicious transaction may be reported to the fifth external server, and an alarm may be sent to the user for reporting tax-related data, currency exchange-related data, and suspicious transaction. The suspicious condition may consider the number and amount of virtual currency transactions made by the user through the first user terminal during the first set period set by the user, and the transaction for a second set period longer than the first set period set by the user The number and amount of money may be considered, the user's credit score, the number and amount of loan borrowed by the user during the first set period may be considered, the total loan amount of the user and the user's occupation, and the user during the first set period more than a certain amount It is possible to comprehensively review whether it has been sent or not. In this case, the user's occupation may be reflected by subdividing the preset grade for each occupational group. The fifth external server may refer to a server located in an institution that monitors transaction details or suspicious transactions like the third external server. That is, the fifth external server may be included in the third external server, and the fifth external server may include the third external server.

That is, it is possible to record transaction details in virtual currency corresponding to the transaction signal and record transaction details in a unique serial number (601), and transmit tax-related data to a third external server and transfer-related data to a fourth external server (602) If the transaction corresponds to a predetermined suspicious condition, it is possible to report the suspicious transaction to the fifth external server and transmit an alarm to the user (603).

7 illustrates an operation of registering as a member of a virtual account according to an exemplary embodiment.

Referring specifically to FIG. 7 , the server may obtain a membership subscription signal from the first user terminal. The membership sign-up signal may mean a signal input by the user to try to sign up for a membership through the first user terminal being used. The server transmits a subscription authentication request command signal to the first user terminal, obtains the user's identification information and image information through the camera from the first user terminal, and after accepting the user's membership subscription, It is possible to pay the specified virtual currency to the electronic wallet. The predetermined virtual currency is a virtual currency set in advance by a user, which may mean virtual currency given as an event to a new member signing up for membership. At this time, the quantity can also be set in advance, and there may be a premise that a member is not registered at this time. A signal indicating whether a predetermined virtual currency is paid may be transmitted to the first user terminal. When the amount corresponding to the predetermined virtual currency is displayed as the currency amount of the country set by the user, a unique serial number is issued to the user based on identification information and personal image information, and a transaction signal is received from the first user terminal, Record the transaction details in the virtual currency corresponding to the transaction signal, record the transaction details in the unique serial number, transmit the tax-related data of the second user to a third external server, 4 data may be transmitted, and if the transaction meets a predetermined suspicious condition, the suspicious transaction may be reported to the fifth external server. In this case, data transmission to the third, fourth, and fifth external servers may be the same as for non-members. At this time, in addition to paying a predetermined virtual currency as a reward, the server obtains GPS information to obtain the location of the first user terminal, obtains coupon information from nearby stores of the first user terminal, or obtains coupon information from nearby stores of the first user terminal, or Coupons can be held in partnership, and rewards can be set so that users who have signed up for membership can choose coupons from nearby stores.

In one embodiment, when registering as a member, a screen indicating information on shops and sites that can be used for each virtual currency may be displayed on the display. When a user signs up for a membership and the user enters the details of virtual currencies that he or she has traded and interested in, offline stores and nationwide available within a certain distance based on the location of the first user terminal. Available offline information may be displayed, and an available online market or electronic payment method may be displayed. In addition, it is possible to display the fluctuation rate of the corresponding virtual currency within a predetermined period, and it is also possible to quantify the risk and display it together. Numericalization of the risk may be performed according to Equation (2).

K may mean a numerical value of risk. For g, if the volatility grade is below a certain standard, 1.5 can be substituted, and when the volatility grade is higher than a certain standard, 2 can be substituted. E means the range of volatility, and may mean the average rate of change in the price of virtual currency per week, and h may mean the number of months in which the virtual currency is created. Through Equation 2, considering the number of months that virtual currency was created, it is reflected because there is a possibility that virtual currency is safer the longer it is created, but the risk can be calculated by lowering the weight and mainly reflecting volatility. i may be set to a value of 2<i<5, and i is a value quantified in advance by the user and may mean a value obtained by quantifying the size of the virtual currency (market cap). In other words, the larger the scale, the safer the asset. Through this formula, the level of risk can be quantified by reflecting the scale, and the weight can be adjusted according to the volatility grade. The calculated risk level may be used when setting the above-described usage limit amount. That is, the use limit amount can be determined by multiplying the use limit index by the risk level and multiplying this by the amount corresponding to the preset risk level. This can be adjusted by the user's settings. This is to prevent financial risk in advance by lowering the limit of use as the risk is higher.

In this case, the available offline and online information may be obtained from a sixth external server, and the sixth external server may mean a server that collects online and offline information available for virtual currencies.

That is, the server may acquire a membership sign-up signal (701), transmit a subscription authentication request command signal to the first user terminal (702), and obtain identification information and personal image information from the first user terminal (703) ), and after accepting membership subscription, a signal indicating whether to pay and pay a predetermined virtual currency to the virtual wallet may be transmitted 704 to the user.

8 illustrates an operation of exchanging money through the first user terminal according to an embodiment. Referring specifically to FIG. 8 , on the display of the first user terminal 1 , Korean Won can be exchanged into dollars, and dollars can be exchanged into various currencies other than Korean Won, and may also be exchanged into virtual currency. In addition, a device for authenticating means capable of proving identity, such as an ID card or passport, may be provided. This may be done by a scanner, or by various other methods.

The methods according to the present invention may be implemented in the form of program instructions that can be executed by various computer means and recorded in a computer-readable medium. The computer-readable medium may include program instructions, data files, data structures, and the like, alone or in combination. The program instructions recorded on the computer readable medium may be specially designed and configured for the present invention, or may be known and available to those skilled in the art of computer software.

Examples of computer-readable media may include hardware devices specially configured to store and execute program instructions, such as ROM, RAM, flash memory, and the like. Examples of program instructions may include not only machine language codes such as those generated by a compiler, but also high-level language codes that can be executed by a computer using an interpreter or the like. The hardware device described above may be configured to operate as at least one software module to perform the operations of the present invention, and vice versa.

In addition, the above-described method or apparatus may be implemented by combining all or part of its configuration or function, or may be implemented separately.

Although the above has been described with reference to preferred embodiments of the present invention, those skilled in the art can variously modify and change the present invention within the scope without departing from the spirit and scope of the present invention as set forth in the claims below. You will understand that it can be done.

1: first user terminal
2: first external server
3: 4th external server
4: User's user terminal

Claims (5)

A virtual currency transaction method performed in a virtual currency transaction system including a server, a first user terminal including a front camera and a display, the method comprising:
obtaining, by the server, a first input value of a first user from the first user terminal;
transmitting, by the server, a signal for displaying, on the display, a selection window asking whether the first user is a member, to the first user terminal;
performing, by the server, a user authentication corresponding to an input value for the selection window obtained from the first user terminal;
transmitting, by the server, a signal displayed on the display to the first user terminal by obtaining a real-time price of virtual currency from a first external server when the user authentication is completed;
outputting, by the server, information on deposit, withdrawal, purchase, or sale corresponding to a second input value; and
When the server completes the task corresponding to the information on the deposit, withdrawal, purchase or sale, transmitting a signal for displaying a task performance completion alarm on the display to the first user terminal,
obtaining, by the server, an exchange input signal from the first user terminal;
comparing, by the server, the amount included in the exchange input signal with the amount of extra limit for the electronic wallet of the first user;
transmitting, by the server, an exchange signal to a second external server based on the exchange input signal when the limit surplus amount is greater than the amount included in the exchange input signal;
obtaining, by the server, a currency exchange response signal corresponding to the exchange signal from the second external server; and
The server further comprises; transmitting an exchange result alarm to the first user terminal based on the exchange response signal;
The step of the server performing identity authentication corresponding to the input value for the selection window obtained from the first user terminal,
obtaining, by the server, an access signal of a non-member second user from the first user terminal;
transmitting, by the server, a non-member authentication request command signal to the first user terminal;
obtaining, by the server, first identification information of the second user from the first user terminal and first image information of the second user through the camera; and
Further comprising the step of issuing a unique serial number of the second user based on the first identification information,
The server obtains, from the first user terminal, the second ID information of the second user and the second self image information through the camera, and compares it with the previously obtained first ID information to determine whether the person matches the person step;
generating, by the server, an electronic wallet of the second user corresponding to the unique serial number when it is determined that the user is the person according to the identity of the user;
setting, by the server, a usage limit index of the second user's electronic wallet;
determining, by the server, a usage limit amount corresponding to the usage limit index;
exchanging, by the server, the amount input by the user within the usage limit amount in response to the input signal of the second user; and
The method further comprising, by the server, remittance of the remaining amount after the exchange to the account of the second user or to the electronic wallet of the second user;
when the server receives a transaction signal from the first user terminal, recording the transaction details in virtual currency corresponding to the transaction signal;
transmitting, by the server, tax-related data based on the transaction details to a third external server;
transmitting, by the server, exchange-related data based on the transaction details to a fourth external server; and
The method further comprising the step of reporting, by the server, the distance details as a suspicious transaction to a fifth external server if the transaction details correspond to a predetermined suspicious condition;
The use limit index of the electronic wallet of the second user is calculated based on the following equation,

,
S represents the limit index of use, a represents the age information of the second user, b represents information about the work experience of the second user, and F represents the credit score of the second user. information about the second user, where C represents information about the current loan amount of the second user, x represents information about the credit rating of the second user, and y represents information about the annual salary of the second user The age information, the information about the work experience, the information about the credit score, the information about the current loan amount, the information about the credit rating, and the information about the annual salary are based on the first identification information. obtained from a sixth external server,
How to trade virtual currency. delete delete delete delete

Images