KR102611819B1 - Server, method and computer program for providing hybrid wallet based account solution - Google Patents

Abstract

The present invention relates to an account solution that mediates the purchase of items for sale using fiat currency and alternative currency held in a hybrid wallet. The purpose of the present invention is to develop an account solution that can smoothly manage alternative currencies when paying with fiat currency. According to the server, method, and computer program according to the present invention, when generating the purchase price, one or more types of fiat currency and one or more types of substitute currency of the hybrid wallet can be converted into payment currency types equal to the sales price of the sale object; , in the case of such conversion, the payment range for each currency type, which indicates the conversion limit and priority, can be considered, so when the shortfall in the purchase price is covered from another type of currency, conversion between currencies and management of overall assets can be performed smoothly. .

Description

Server, method, and computer program providing a hybrid wallet-based account solution {SERVER, METHOD AND COMPUTER PROGRAM FOR PROVIDING HYBRID WALLET BASED ACCOUNT SOLUTION}

The present invention mediates the purchase of items for sale using fiat currency and alternative currency held in a hybrid wallet, while making payment or remittance of currency regardless of the type of payment method, such as a fiat currency account or an electronic wallet of alternative currency. It's about an account solution that makes it possible.

As the electronic finance industry and blockchain field develop, prepaid electronic payment methods (various pay, money, points, etc.), blockchain-based electronic currency, central bank digital currency (CBDC), token securities (ST), and alternative Assets such as non-profit tokens (NFTs) and stable coins are being used. These assets function as an alternative currency that complements domestic and foreign fiat currencies such as the won and dollar. As the functions and types of alternative currencies become more diverse, the number of cases where alternative currencies are paid along with legal currency when purchasing specific goods or services is increasing, and therefore, the development of an account solution that can smoothly manage various currencies is required. In relation to this, Registered Patent Publication No. 10-2109254 discloses covering the shortfall in the payment amount with cryptocurrency, but since this is a method of selling cryptocurrency on an exchange, it is possible to use token securities (ST) or non-fungible tokens ( There are limits to its usability in that it does not deal with other types of alternative currencies such as NFT) and foreign currency-based currencies.

Registered Patent Publication No. 10-2109254

The purpose of the present invention is to develop an account solution that can smoothly manage alternative currencies when paying and transferring them along with fiat currency.

According to some embodiments of the present invention, a server providing a hybrid wallet-based account solution includes: a memory configured to store commands; And by executing the above commands: Receiving the sales price and payment currency type of the sale object from the seller terminal, and identifying a hybrid wallet storing one or more types of fiat currency and one or more types of alternative currencies owned by the buyer from the buyer terminal. Receive information and a purchase request for the sale object, check balance information for each currency type of the hybrid wallet and payment range for each currency type registered for the hybrid wallet, and determine the hybrid wallet based on the payment range for each currency type. Generate purchase money by automatically or selectively converting one or more types of legal tender and one or more types of alternative currencies into the payment currency equivalent to the sales price, and approve a transaction between the object of sale and the purchase price to purchase the object of sale. a processor configured to update the sales status and balance information for each currency type of the hybrid wallet; A server providing a hybrid wallet-based account solution including a is disclosed.

According to some embodiments of the present invention, in a method of providing a hybrid wallet-based account solution performed by a processor executing instructions stored in a memory, the sales price and payment currency type of the object of sale are received from the seller terminal. steps; Receiving identification information of a hybrid wallet storing one or more types of fiat currency and one or more types of alternative currencies owned by the purchaser from the purchaser terminal and a purchase request for the sale object; Checking balance information for each currency type of the hybrid wallet and a payment range for each currency type registered for the hybrid wallet; Generating a purchase price by automatically or selectively converting one or more types of legal currency and one or more types of alternative currencies of the hybrid wallet into the payment currency type by the sales price based on the payment range for each currency type; and approving a transaction between the sale object and the purchase price to update the sales status of the sale object and balance information for each currency type of the hybrid wallet; A method of providing a hybrid wallet-based account solution comprising a is disclosed.

According to some embodiments of the present invention, in a computer program recorded on a computer-readable storage medium to perform a method of providing a hybrid wallet-based account solution, instructions of the computer program are configured to perform the method when executed. A computer program is started.

According to the server, method, and computer program according to the present invention, when generating the purchase price, one or more types of fiat currency and one or more types of substitute currency of the hybrid wallet can be converted into payment currency types equal to the sales price of the sale object; , in the case of such conversion, the payment range for each currency type, which indicates the conversion limit and priority, can be considered, so when the shortfall in the purchase price is covered from another type of currency, conversion between currencies and management of overall assets can be performed smoothly. .

1 is a diagram illustrating a system that provides a hybrid wallet-based account solution according to some embodiments of the present invention.
FIG. 2 is a diagram illustrating elements constituting a server that provides a hybrid wallet-based account solution according to some embodiments of the present invention.
FIG. 3 is a diagram illustrating legal currency and alternative currency that are integrally held and managed by a hybrid wallet according to some embodiments of the present invention.
Figure 4 is a diagram for explaining a method of covering the purchase price based on the payment range for each currency type according to some embodiments of the present invention.
Figure 5 is a diagram illustrating a method of establishing collateral when high-volatility currency is used as a purchase price according to some embodiments of the present invention.
FIG. 6 is a diagram illustrating steps configuring a method of providing a hybrid wallet-based account solution according to some embodiments of the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. The description below is only intended to specify embodiments and is not intended to limit or limit the scope of rights according to the present invention. What a person skilled in the art related to the present invention can easily infer from the detailed description and examples of the invention should be construed as falling within the scope of rights according to the present invention. Detailed descriptions of matters widely known to those skilled in the art related to the present invention will be omitted.

The terms used in the present invention are described as general terms widely used in the technical field related to the present invention, but the meaning of the terms used in the present invention is the intention of the technician working in the field, the emergence of new technology, examination standards, or precedents. It may vary depending on etc. Some terms may be arbitrarily selected by the applicant, in which case the meaning of the arbitrarily selected terms will be explained in detail. Terms used in the present invention should be construed not only in their dictionary meaning, but in a meaning that reflects the overall context of the specification.

1 is a diagram illustrating a system that provides a hybrid wallet-based account solution according to some embodiments of the present invention.

Referring to FIG. 1, the system 10 that provides a hybrid wallet-based account solution may include a seller terminal 100, a server 200 that provides a hybrid wallet-based account solution, and a buyer terminal 300. .

The system 10 that provides an account solution can provide a management solution for various types of currencies when purchasing a seller's sales object based on a hybrid wallet owned by the buyer. For example, the system 10 that provides an account solution may be implemented as a computer program or a mobile application, and the seller terminal 100, the server 200 that provides the account solution, and the buyer terminal 300 may be implemented as a program or app. You can exchange and receive necessary information by executing .

The seller terminal 100 and the buyer terminal 300 may refer to electronic devices used by sellers and buyers, respectively. For example, the seller terminal 100 and the buyer terminal 300 may be smartphone devices, and it may be possible to register an object for sale by running a mobile app through the seller terminal 100, and the buyer terminal 300 By running a mobile app, it may be possible to request a purchase of an item for sale and generate purchase money through a hybrid wallet.

The server 200 that provides the account solution can run a computer program to cover the purchase price for the object of sale based on the currencies held in the hybrid wallet. For example, if less Won is held in the hybrid wallet than the sales price set in Won, a method of converting alternative currencies other than the Won of the hybrid wallet into Won to cover the purchase price can be used.

Specifically, the account solution provided by the server 200 includes prepaid electronic payment means (pay, money, points, etc.), including fiat currency issued or handled by existing traditional financial companies (banks, securities companies, etc.) or electronic financial service providers. ) and other payment methods, including various types of accounts and blockchain-based electronic currency (Digital Currency), fiat-based stable coins, central bank digital currency (CBDC) of domestic and foreign central banks, and token securities ( ST), NFT, and virtual assets can be integrated and linked into one account to easily manage them.

There are two main functions of the account solution. First, the payment function, where fiat currency, prepaid electronic payment methods, other payment methods, electronic money, stable coins, etc. are handled by the payment source (payment target). Depending on the payment method being used, the payment is automatically converted and processed in accordance with the payment processing policy of the payment platform that adopts a “hybrid account” (e.g., Lotte Members L.P.A., Toss Bank, Kakao Pay, securities company, bank, etc.). Remittances can be made. At this time, places where the payment destination (payment target) only handles existing legacy financial accounts or pay/money are settled in the existing way, and conversely, the payment destination is a platform where payment is made with a blockchain-based electronic wallet (e.g., token stock exchange). , virtual asset exchanges, NFT marketplaces, etc.), electronic money or stable coins can be sent through an on-chain transaction on the actual blockchain.

Second, as a function of an integrated management account, it not only has the function of storing and managing various payment methods such as fiat currency, electronic currency, stable coins, and prepaid electronic payment methods, but also various digital assets (token securities, virtual assets, NFTs). An “all-in-one account” function that can be managed comprehensively can also be provided.

FIG. 2 is a diagram illustrating elements constituting a server that provides a hybrid wallet-based account solution according to some embodiments of the present invention.

Referring to FIG. 2, a server 200 that provides a hybrid wallet-based account solution may include a memory 210 and a processor 220. However, it is not limited to this, and other general-purpose elements may be further included in the server 200 that provides an account solution.

The memory 210 may have a structure for storing various commands, computer programs, or data processed by the server 200 that provides an accounting solution. For example, the memory 210 is non-volatile memory such as ROM, PROM, EPROM, EEPROM, flash memory, PRAM, MRAM, RRAM, FRAM, etc., or volatile memory such as DRAM, SRAM, SDRAM, PRAM, RRAM, and FeRAM. It may be implemented in the form of HDD, SSD, SD, Micro-SD, etc., or a combination thereof.

The processor 220 may have a structure for performing processing processes required for the operation of the server 200 that provides an account solution. The processor 220 may be implemented as an array of multiple logic gates or a general-purpose microprocessor for processing various operations, and may be comprised of a single processor or a plurality of processors. For example, the processor 220 may be implemented in the form of at least one of a microprocessor, CPU, GPU, and AP.

The processor 220 may be configured to receive the sales price and payment currency type of the object of sale from the seller terminal 100 by executing instructions stored in the memory 210.

The seller can run the app implementing the system 10 through the seller terminal 100 and upload the sales price and payment currency type of the object for sale, and the server 200 can receive them. For example, the object of sale may be a specific product or service, and the sales price may be set at a specific amount in Korean Won or a specific amount in other currencies depending on the type of payment currency.

By executing instructions stored in the memory 210, the processor 220 receives from the purchaser terminal 300 identification information of a hybrid wallet that stores one or more types of fiat currency and one or more types of alternative currencies owned by the purchaser, and It may be configured to receive a purchase request for an object of sale.

The buyer's hybrid wallet functions as an integrated account, capable of storing one or more types of fiat currency and one or more types of alternative currencies, and currency changes can be recorded by blockchain if necessary. The buyer can create a hybrid wallet by running an app implementing the system 10 through the buyer terminal 300, and record it in a blockchain or other decentralized proof system. Afterwards, the buyer can request to purchase the item for sale uploaded by the seller, and at this time, identification information of the registered hybrid wallet can be provided to the server 200.

The processor 220 may be configured to query balance information for each currency type of the hybrid wallet and payment range for each currency type registered for the hybrid wallet by executing instructions stored in the memory 210.

Balance information for each type of currency held by the hybrid wallet can be recorded and proven on the blockchain, and can be searched when a purchase request is made. In addition, payment ranges for each currency type can be registered for the hybrid wallet, and can be searched when necessary, such as when requesting a purchase. For example, the payment range for each currency type may mean the payment limit of each currency and payment priority between currencies.

The processor 220, by executing instructions stored in the memory 210, converts one or more types of fiat currency and one or more types of alternative currencies of the hybrid wallet into payment currency types equivalent to the sales price based on the payment range for each currency type. It may be configured to generate purchase money by doing so.

The payment range for each currency type can define how the various currencies of the hybrid wallet will be settled/recharged, and based on this, fiat currency and alternative currencies held in the hybrid wallet can be converted into payment currency types equivalent to the sales price. For example, if the payment currency type and sales price are 100 US dollars, 100 US dollars can be obtained by exchanging the won held in the hybrid wallet and selling Bitcoin.

The processor 220 may be configured to approve a transaction between an object of sale and a purchase price by executing instructions stored in the memory 210 to update the sales status of the object of sale and balance information for each currency type of the hybrid wallet.

If the purchase price is provided from the hybrid wallet, a transaction to trade it for the object of sale can be approved and recorded on the blockchain, etc. Thereafter, the sale status may be changed to indicate that the sale object has been sold, and balance information for each currency type may be updated to record that one or more currencies have been withdrawn from the hybrid wallet in an amount corresponding to the purchase price.

FIG. 3 is a diagram illustrating legal currency and alternative currency that are integrally held and managed by a hybrid wallet according to some embodiments of the present invention.

Referring to FIG. 3, a hybrid wallet 30 may be shown, and legal currency and alternative currency may be held and managed in an integrated manner through the hybrid wallet 30.

According to an embodiment, legal tender may include domestic currency and foreign currency, and alternative currencies may include domestic electronic currency, foreign electronic currency, won-linked stablecoin, foreign currency-linked stablecoin, won-currency CBDC, foreign-currency CBDC, and cryptocurrency. , token securities (ST; security token), and non-fungible token (NFT).

For example, foreign currency may refer to foreign legal currencies such as dollars, euros, yen, and yuan, and domestic/international electronic money may refer to currencies that can be used equally as legal tender, such as mileage, points, and savings. there is. Meanwhile, stable coins can be linked to the Korean Won, which is domestic legal tender, or overseas legal tender, and although they are not legal tenders, their valuation can be maintained substantially equal to legal tender, so they can be treated similarly to legal tender. CBDC is a digital currency issued by the country's central bank and can be treated equally as legal tender.

According to the embodiment, between the Korean won group 32, which includes domestic currency, domestic electronic money, and won-linked stable coins, and the foreign currency group 34, which includes foreign currency, foreign electronic money, and foreign currency-linked stable coins. A conversion fee may not be charged for converting the currencies of the hybrid wallet 30 into payment currency types, and a conversion fee may be charged between the Korean won group 32 and the foreign currency group 34.

Domestic currency, domestic electronic currency, and won-linked stable coins belonging to the won group (32) can all be treated in the market as equivalent to the won (\), so no conversion fee may be charged between them, and similarly, foreign currencies Even within the group 34, no conversion fee may be charged to each other. For example, if the Korean won price of the object of sale is paid with the domestic electronic currency of the hybrid wallet 30 and the Korean won-linked stable coin, a conversion fee may not be charged. However, a fee equivalent to a currency exchange fee may be charged between the Korean won group (32) and the foreign currency group (34).

Figure 4 is a diagram for explaining a method of covering the purchase price based on the payment range for each currency type according to some embodiments of the present invention.

Referring to FIG. 4 , in the process of explaining a method of covering the purchase price based on the payment range 42 for each currency type, a hybrid wallet 40 and an object for sale 44 may be shown.

The hybrid wallet 40 can hold at least a first currency, a second currency, and a third currency, and a payment range 42 for each currency type can be set for these. The payment range 42 for each currency type may include conversion limits and conversion priorities. The sale object 44 may be composed of a sales price 46 and a payment currency type 48. For example, the payment currency type 48 may be Bitcoin, and the selling price 46 may be 0.001 BTC. Meanwhile, the 20% conversion limit means that if there is a shortfall in the purchase price to purchase the sale object (44), only 20% of the specific currency of the hybrid wallet (40) can be converted to the payment currency type (48). It can be done, and the conversion priority can indicate which of the currencies will be financed first and which will be financed last.

According to the embodiment, if the payment currency type 48 corresponds to the first currency among the currencies held in the hybrid wallet 40, the first currency may be given priority for the purchase price, and the hybrid wallet 40 If this payment currency type (48) is not held or the first currency is less than the sales price (46), the remaining currencies in the hybrid wallet (40) are converted to the payment currency type by the amount of the shortfall price according to the conversion priority and conversion limit. can be converted.

In other words, if the payment currency type 48 of the sale object 44 is Bitcoin and the hybrid wallet 40 holds Bitcoin, the hybrid wallet 40 is used to cover the payment amount for the sale object 44. Bitcoin can be used as a priority. If the hybrid wallet 40 does not hold Bitcoin or the Bitcoin held is less than the sales price 46, the remaining currencies may be used for payment in a subordinated manner.

According to the embodiment, the payment range for each currency type includes a conversion limit set for each of the currencies of the hybrid wallet 40 that is converted to the payment currency type 48 to generate the purchase price, and a certain currency to be covered by the purchase price. It may include a conversion priority between currencies of the hybrid wallet 40, and the conversion limit and conversion priority may be changed based on the current cumulative rate of return and the expected future rate of return of fiat currency and alternative currency.

For example, the lower the current cumulative return and expected future return, the higher the conversion limit and conversion priority may be. The rate of return of legal currency may refer to the interest rate according to the deposit interest rate, and the rate of return of alternative currency may refer to the ratio of the current price to the principal calculated based on market profit. According to the example of the hybrid wallet 40, the current/future rate of return of the second currency may be the lowest, and the current/future rate of return of the third currency may be the highest. In this way, the buyer's entire assets managed through the hybrid wallet 40 can be maintained in an optimal state.

According to embodiments, the conversion limit and conversion priority may be varied based further on user settings indicating the limit and priority set by the purchaser for a specific currency in the hybrid wallet 40, and the conversion limit and conversion priority may be changed. When the ranking changes, the user settings are considered as the top priority, and then the future expected rate of return is considered. After that, the current cumulative rate of return can be considered, and the future expected rate of return can be estimated by a prediction model using text mining and deep learning. .

Buyers may judge that the future value of a specific currency is high based on their personal opinions or convictions, and may accordingly try to prevent conversion of that currency as much as possible. In this case, in the user settings, the conversion limit for the corresponding currency may be set to a low value such as 0% to 5%, and the conversion priority may be set to the lowest priority. Such user settings may be reflected before the current cumulative rate of return or future expected rate of return, and from the perspective of optimal management of assets, the future expected rate of return may be considered more important than the current cumulative rate of return. Meanwhile, the expected future rate of return can be calculated by collecting public opinions and public opinion about a specific currency through text mining and processing it through deep learning to analyze whether the text is positive or negative.

Figure 5 is a diagram illustrating a method of establishing collateral when high-volatility currency is used as a purchase price according to some embodiments of the present invention.

Referring to FIG. 5 , a hybrid wallet 50 and an object for sale 54 may be shown to illustrate a method of establishing collateral when high-volatility currency 52 is used as a purchase price.

In the hybrid wallet 50, cryptocurrencies, token securities (STs), non-fungible tokens (NFTs), etc. may be classified as high volatility currencies 52. High-volatility currencies (52) have high volatility, so their current market value can fluctuate significantly. Since the high-volatility currency 52 has the possibility of a sharp increase in market price, there is a possibility of missing the market profit if the high-volatility currency 52 is immediately disposed of to purchase the sale object 54, so a method to compensate for this is required. It can be.

According to the embodiment, the remaining currencies of the hybrid wallet 50, which are converted to the payment currency type 58 by the amount of the underprice, are high volatility currencies corresponding to any one of cryptocurrency, token security (ST), and non-fungible token (NFT). In the case of (52), the purchase price can be covered by setting the high-volatility currency (52) as collateral and lending the payment currency (58) equivalent to the underpriced price, and the loan amount of the payment currency (58) Interest may be charged at a preset interest rate on the loan amount until part or all of it is repaid early or at maturity.

For example, when covering the payment currency type (58) for the amount of the underpriced price with Bitcoin, the fourth currency of the hybrid wallet (50), instead of immediately selling the Bitcoin through an exchange, Bitcoin is used as collateral to cover the underprice. If the amount of payment currency (58) is loaned, even if the market price of Bitcoin rises sharply, the remaining market profit after repaying the amount held as collateral may belong to the buyer. Meanwhile, for loans of the payment currency type 58, interest may be charged and loan repayment may be made according to a typical lending policy.

According to the embodiment, when high-volatility currency 52 is set as collateral, the payment currency type ( A loan of 58) can be made, and as soon as the future conversion value falls below the threshold amount due to changes in the value of the high-volatility currency (52), the high-volatility currency (52) set as collateral is liquidated and a loan equal to the threshold amount is made. Repayment of the amount may be made.

This is because high-volatility currency (52) has the possibility of a sharp rise in market price as well as the possibility of a sharp decline in price, to prevent cases where the loan cannot be repaid due to a sharp drop in market price after receiving a loan using high-volatility currency (52) as collateral. It may be for this purpose. For example, if the underprice for purchasing the sale object 54 is 0.004 BTC, the Bitcoin held in the hybrid wallet 50 is 0.010 BTC, and the preset collateral recognition ratio (LTV) is 40%, the holding If the value of 0.010 BTC you hold plummets to 0.004 BTC after borrowing 0.004 BTC at an underpriced price using 0.010 BTC as collateral, you will immediately sell the fallen 0.004 BTC and use the sale proceeds to repay the loan of 0.004 BTC. You can.

According to the embodiment, the collateral recognition ratio (LTV) may be set to a different value for each type of high-volatility currency 52 based on the liquidity index of the high-volatility currency 52, and the liquidity index among the high-volatility currency 52 In the case of low-liquidity currency that falls below the liquidity standard, the collateral recognition ratio (LTV) is set to 0, and lending of the payment currency type (58) may be disallowed.

For example, some high-volatility currencies (52), such as minor altcoins, do not have much liquidity in the market, so automatic liquidation may not be possible even if the collateral recognition ratio (LTV) is set low, so a situation may arise where the loan cannot be recovered. To avoid such risks, loans may be disallowed for some currencies whose liquidity falls below the standard value, and liquidity indicators can be quantified based on the amount of currency distributed on the market, whether trading is restricted, etc.

FIG. 6 is a diagram illustrating steps configuring a method of providing a hybrid wallet-based account solution according to some embodiments of the present invention.

Referring to FIG. 6, a method 600 of providing a hybrid wallet-based account solution may include steps 610 to 650. However, it is not limited to this, and other general-purpose steps may be further included in the method 600 of providing a hybrid wallet-based account solution.

The method 600 of providing a hybrid wallet-based account solution may be comprised of steps processed in time series by the server 200 providing the hybrid wallet-based account solution. Therefore, even if the content is omitted below, the content described above with respect to the server 200 can be equally applied to the method 600.

The method 600 of providing a hybrid wallet-based account solution may be performed by the processor 220 executing instructions stored in the memory 210.

In step 610, the server 200, which provides a hybrid wallet-based account solution, may receive the sales price of the object of sale and the type of payment currency from the seller terminal.

In step 620, the server 200, which provides a hybrid wallet-based account solution, receives from the purchaser terminal identification information of the hybrid wallet that stores one or more types of fiat currency and one or more types of alternative currencies owned by the purchaser, and You can receive a purchase request for an object for sale.

In step 630, the server 200, which provides a hybrid wallet-based account solution, can query balance information for each currency type of the hybrid wallet and the payment range for each currency type registered for the hybrid wallet.

In step 640, the server 200, which provides a hybrid wallet-based account solution, uses at least one type of fiat currency and at least one type of alternative currency of the hybrid wallet based on the payment range for each currency type as the payment currency for the sales price. You can generate purchase money by converting to type.

In step 650, the server 200, which provides a hybrid wallet-based account solution, may approve the transaction between the sale object and the purchase price to update the sales status of the sale object and balance information for each currency type of the hybrid wallet.

Meanwhile, the method 600 of providing a hybrid wallet-based account solution may be implemented in the form of a computer program stored in a computer-readable storage medium. That is, the computer program may include instructions for implementing the method 600 of providing a hybrid wallet-based account solution, and the instructions of the computer program may be stored in a computer-readable storage medium. Computer programs may include mobile applications.

For example, computer-readable storage media include magnetic media such as hard disks, floppy disks, and magnetic tapes, optical media such as CD-ROMs and DVDs, and floptical disks. It may include magneto-optical media, such as ROM, RAM, flash memory, and hardware devices specifically configured to store and execute computer program instructions. Computer program instructions may include machine code created by a compiler and high-level language code that can be executed by a computer using an interpreter.

Although the embodiments of the present invention have been described in detail above, the scope of rights according to the present invention is not limited thereto, and various modifications and improvements made by those skilled in the art using the basic concept of the present invention described in the following claims can also be made according to the present invention. It should be interpreted as being included in the scope of rights pursuant to.

Claims (11)

In a server that provides a hybrid wallet-based account solution,
a memory configured to store instructions; and
By executing the above commands:
Receive the sales price and payment currency type of the sale object from the seller terminal,
Receiving, from the buyer terminal, identification information of a hybrid wallet that stores one or more types of fiat currency and one or more types of alternative currencies owned by the buyer and a purchase request for the sale object,
Check balance information for each currency type of the hybrid wallet and payment range for each currency type registered for the hybrid wallet,
Based on the payment range for each currency type, the purchase price is generated by automatically converting one or more types of legal currency and one or more types of alternative currencies of the hybrid wallet into the payment currency type by the amount of the sales price,
a processor configured to approve a transaction between the sale object and the purchase price to update the sales status of the sale object and balance information for each currency type of the hybrid wallet; Including,
The legal tender includes domestic currency and foreign currency,
The alternative currencies include domestic electronic currency, foreign electronic currency, won-linked stablecoin, foreign currency-linked stablecoin, won-currency CBDC, foreign-currency CBDC, cryptocurrency, token security (ST; security token), non-fungible token (NFT; non-fungible currency) Includes fungible token),
The payment range for each currency type includes a conversion limit set for each of the currencies of the hybrid wallet that are converted to the payment currency type to generate the purchase price, and the hybrid indicating which currency to cover with the purchase price. Contains conversion priorities between currencies in the wallet,
If the payment currency type corresponds to the first currency among the currencies held in the hybrid wallet, the first currency is prioritized for the purchase price,
If the hybrid wallet does not hold the payment currency type or the first currency is less than the sale price, the remaining currencies in the hybrid wallet are converted to the payment currency type by the amount of the shortfall price according to the conversion priority and the conversion limit. converted to
If the remaining currencies of the hybrid wallet that are converted to the payment currency type by the amount of the underprice are high volatility currencies corresponding to any one of the cryptocurrency, the token security (ST), and the non-fungible token (NFT), the high The purchase price is covered by setting up volatile currency as collateral and lending the payment currency equivalent to the underprice.
A server that provides a hybrid wallet-based account solution. delete According to paragraph 1,
The currency of the hybrid wallet between the Korean won group including the domestic currency, the domestic electronic money, and the won-linked stable coin, and between the foreign currency group including the foreign currency, the foreign electronic currency, and the foreign currency-linked stable coin. There is no conversion fee charged for converting them to the above payment currency types,
A server that provides a hybrid wallet-based account solution in which the conversion fee is charged between the Korean won group and the foreign currency group. delete According to clause 1,
The conversion limit and the conversion priority are changed based on the current cumulative rate of return and the expected future rate of return of the fiat currency and the alternative currency. A server that provides a hybrid wallet-based account solution. According to clause 5,
The conversion limit and the conversion priority are further changed based on user settings indicating the limit and priority set by the purchaser for a specific currency of the hybrid wallet,
When the conversion limit and the conversion priority are changed, the user settings are considered as the top priority, then the future expected rate of return is considered, and then the current cumulative rate of return is considered,
A server that provides a hybrid wallet-based account solution, where the expected future rate of return is estimated by a prediction model using text mining and deep learning. According to paragraph 1,
A server that provides a hybrid wallet-based account solution in which interest is charged at a preset interest rate on the loan amount until part or all of the loan amount of the payment currency type is repaid early or at maturity. According to paragraph 1,
When the high-volatility currency is set as collateral, a loan of the payment currency type is made only up to a threshold amount by applying a preset loan to value (LTV) ratio to the current converted value of the high-volatility currency,
As soon as the future conversion value falls below the threshold amount due to changes in the value of the high-volatility currency, the high-volatility currency set as collateral is liquidated and the loan amount equal to the threshold amount is repaid. A hybrid wallet-based account solution. A server that provides . According to clause 8,
The collateral recognition ratio (LTV) is set to a different value for each type of high-volatility currency based on the liquidity index of the high-volatility currency,
Among the high-volatility currencies, in the case of low-liquidity currencies whose liquidity index falls below the liquidity standard, the collateral recognition ratio (LTV) is set to 0 and loans of the payment currency types are not permitted, providing a hybrid wallet-based account solution. server. In a method of providing a hybrid wallet-based account solution performed by a processor executing instructions stored in memory,
Receiving the sales price and payment currency type of the sales object from the seller terminal;
Receiving identification information of a hybrid wallet storing one or more types of fiat currency and one or more types of alternative currencies owned by the purchaser from the purchaser terminal and a purchase request for the sale object;
Checking balance information for each currency type of the hybrid wallet and a payment range for each currency type registered for the hybrid wallet;
generating a purchase price by automatically converting at least one type of legal currency and at least one type of alternative currency of the hybrid wallet into the payment currency type by the sales price based on the payment range for each currency type; and
Updating the sales status of the sale object and balance information for each currency type of the hybrid wallet by approving a transaction between the sale object and the purchase price; Including,
The legal tender includes domestic currency and foreign currency,
The alternative currencies include domestic electronic currency, foreign electronic currency, won-linked stablecoin, foreign currency-linked stablecoin, won-currency CBDC, foreign-currency CBDC, cryptocurrency, token security (ST; security token), non-fungible token (NFT; non-fungible currency) Includes fungible token),
The payment range for each currency type includes a conversion limit set for each of the currencies of the hybrid wallet that are converted to the payment currency type to generate the purchase price, and the hybrid indicating which currency to cover with the purchase price. Contains conversion priorities between currencies in the wallet,
If the payment currency type corresponds to the first currency among the currencies held in the hybrid wallet, the first currency is prioritized for the purchase price,
If the hybrid wallet does not hold the payment currency type or the first currency is less than the sale price, the remaining currencies in the hybrid wallet are converted to the payment currency type by the amount of the shortfall price according to the conversion priority and the conversion limit. converted to
If the remaining currencies of the hybrid wallet that are converted to the payment currency type by the amount of the underprice are high volatility currencies corresponding to any one of the cryptocurrency, the token security (ST), and the non-fungible token (NFT), the high The purchase price is covered by setting up volatile currency as collateral and lending the payment currency equivalent to the underprice.
How to provide a hybrid wallet-based account solution. A computer program recorded on a computer-readable storage medium to perform a method of providing a hybrid wallet-based account solution, wherein instructions of the computer program are configured to perform the method of claim 10 when executed.