KR20200074907A - Apparatus and method for exchange of different currencies - Google Patents

Abstract

The present invention relates to an apparatus for exchanging different currencies, capable of providing a decentralized currency trading center, and providing a method of exchanging currencies including key currencies as well as cryptocurrencies, while providing a method of enabling a transaction from the outside by using an API or the like. The apparatus for exchanging different currencies includes: a currency exchange server accessed by clients; a processor performing a currency exchange process; and a node connected with each currency agency to create a virtual account on each currency agency. According to the present invention, in the case of a transaction between cryptocurrencies, a blockchain is directly used to secure anonymity. Moreover, the transaction between cryptocurrencies can be processed in a non-disclosure manner. Also, there is no need for a currency exchange office to possess cryptocurrencies. Also, an exchange can be made from the outside through an API.

Description

Apparatus and method for exchange between different currencies{APPARATUS AND METHOD FOR EXCHANGE OF DIFFERENT CURRENCIES}

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

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

Therefore, it is possible to trade directly between individuals without going through a centralized exchange, but in this case, a reliable mediator is needed or must be dealt with in direct contact offline.

Although the demand for decentralized exchanges is increasing, conventional decentralized exchanges have the problem of low liquidity because they can only be exchanged between cryptocurrencies, and there is the inconvenience that trading parties must be online.

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

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

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

Another object of the present invention is to provide a method that can be traded from the outside through the use of APIs.

In order to solve the above problems, the present invention, in the apparatus for currency exchange between heterogeneous currencies, the exchange server to which customers are connected, a processor performing a currency exchange task, and each currency handling place connected to a virtual account in each currency handling place It provides a heterogeneous currency exchange device characterized in that it comprises a node for generating.

According to the present invention, when trading between cryptocurrencies, anonymity is secured because the blockchain is used directly.

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

In addition, according to the present invention, there is no need to hold a cryptocurrency in a currency exchange office.

In addition, according to the present invention, foreign currency exchange is possible through the API.

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

Terms used in the specification will be briefly described, and an embodiment of the present invention will be described in detail. The terms used in the present specification have selected general terms that are currently widely used as possible while considering functions in the present invention, but this may be changed according to intentions or precedents of a person skilled in the art or the appearance of new technologies. In addition, in certain cases, some terms are arbitrarily selected by the applicant, and in this case, their meanings will be described in detail in the description of the applicable invention. Therefore, the terms used in the present specification should be defined based on the meaning of the terms and the contents of the present invention, not simply the names of the terms.

Hereinafter, embodiments according to the present invention will be described in detail through the accompanying drawings.

In this description, the term'first customer' means a customer who has applied to a currency exchange request (Req) by accessing the currency exchange server 10 for currency exchange. The'second customer' means a customer who has connected to the currency exchange server 10 and has responded to the first customer's exchange request (Req). Substantially through the present invention, exchange of different currencies between the first customer and the second customer is made. The first customer and the second customer may each be general users, or may be financial institutions or business operators.

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

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

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

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

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

The processor 20 is configured to control currency exchange according to each customer's request and response. In detail, the processor 20 is connected to the currency exchange server 10, and receives the exchange request and response information of each customer from the currency exchange server 10 to control the processing of the virtual account creation instruction, whether to deposit or not, and remittance. It is a configuration.

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

The node 30 is a terminal connected to the currency exchange server 10 and connected to each currency handling station 300 through a network. The node 30 transmits determination information on whether or not money has been deposited, to the currency exchange server 10, and processes the money transfer when the processor 20 is instructed to send the money. In detail, when instructed to generate a virtual account from the processor 20, the node 30 connected to the corresponding currency handling station 300 creates a virtual account. In addition, when the processor 20 is requested to confirm whether or not the deposit is received, the node 30 transmits the deposit information to the processor 20. In addition, when the remittance is instructed from the processor 20, the node 30 processes the remittance from the virtual account to the target account through the money handling unit 300.

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

In addition, the node 30 may receive an instruction related to the creation of an impersonation account from the processor 20 of the currency exchange server 10, and when receiving the instruction, a currency to generate a virtual account in the connected currency handling place 300 The account creation request may be delivered to an external network constituting the handling destination 300.

In one example, the node 30 transmits the information to determine whether or not to deposit the money to the currency exchange server 10, and processes the remittance when the remittance is instructed from the processor 20.

Figure 2 is a flow chart showing a method for currency exchange between different currencies according to an embodiment of the present invention. According to the present invention, the method for converting currency between heterogeneous currencies generates a first virtual account 101 in the currency handling destination 300 of the first currency C1 and removes the currency in the currency handling location 300 of the second currency C2. 2 virtual account generation step of generating a virtual account (102) (S100); A virtual account depositing step (S200) of receiving a first currency (C1) in the first virtual account 101 from a first customer and receiving a second currency (C2) in the second virtual account 102 from a second customer (S200) ); And when it is confirmed that the first virtual account 101 and the second virtual account 102 are deposited, the first currency C1 and the second currency C2 are transferred to the first and second customers. It characterized in that it comprises a; remittance processing step (S300) to send money to each deposit account.

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

The virtual account deposit step (S200), after the virtual account creation step (S100), requests each customer to deposit information by sending information about each virtual account, and waits for each currency to be deposited in each virtual account. to be.

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

The deposit confirmation step (S310) is a step of confirming whether or not the deposit has been completed in the virtual account. In detail, the processor 20 requests each node 30 of the first currency (C1) and the second currency (C2) to check whether it is deposited, and accordingly, the nodes (30) are each connected to a currency handling place. After checking whether the deposit of the virtual account is completed from 300, the result is transmitted to the processor 20.

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

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

In the remittance step (S321), when it is confirmed that the deposit is completed in the deposit confirmation step (S310), the first money (C1) of the first virtual account 101 is remitted to the deposit account of the second customer, and the deposit of the first customer This is a step of transferring the second currency C2 of the second virtual account 102 to the account.

The canceling step (S322) is a step of canceling the currency exchange when the deadline expires in the expiration of the expiration (S311).

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

3 is a view showing a first customer's exchange request (Req) and a second customer's acceptance (Comp) according to an exemplary embodiment of the present invention.

The first customer has a 1-1 account 211 for the first currency C1 and a 1-2 account 212 for the second currency C2. Similarly, the second customer has a 2-1 account 221 for the first currency C1 and a 2-2 account 222 for the second currency C2.

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

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

On the currency exchange server 10, there is a currency exchange request list 400 that each customer can view. When the first customer requests a currency exchange, it is listed on the exchange request list 400. The exchange request list 400 includes information on the amount 401 of the first currency C1, the amount 402 of the second currency C2, and the deadline 403. The second customer selects the desired transaction from the exchange request list 400 and accepts the exchange transaction.

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

The processor 20 generates a first virtual account 101 that is a virtual account for the first currency C1 through the node 30, and a second virtual account 102 that is a virtual account for the second currency C2. ). Subsequently, the processor 20 notifies the first customer and the second customer to deposit the first currency C1 and the second currency C2 in each virtual account, and sets the deposit deadline set by the user or the first customer. Notify together.

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

The first customer deposits the first currency C1 in the first virtual account 101, and the second customer deposits the second currency C2 in the second virtual account 102. However, if the deposit period has expired, the virtual account will be discarded so that it cannot be deposited.

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

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

On the other hand, a deposit can be charged to each customer in order to prevent the first customer from requesting a false exchange, to prevent the second customer from accepting a false exchange, and to increase the transaction success rate.

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

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

9 is a view showing a step of refunding a deposit according to an embodiment of the present invention. The remittance processing step (S300) further includes the step of refunding the deposit. When the exchange is completed, the deposit is refunded to each customer. On the other hand, deposits are not refunded to customers who are at fault for the reason the currency exchange was cancelled. Accordingly, it is possible to prevent false currency requests and false currency acceptance.

In addition, an automatic exchange function may be provided through a currency exchange device and a currency exchange method according to the present invention. In detail, the first customer is required to continuously check and act to confirm the acceptance of the second customer (Comp) and deposit the first virtual account 101 even after the initial exchange request (Req) for the exchange. In order to prevent the hassle accordingly, an automatic currency exchange function may be provided. In detail, prior to the step of creating the virtual account (S100), the first customer requests an automatic currency exchange (Req') and deposits the first currency (C1) to the automatic currency exchange applicant further includes an automatic currency exchange application step do. In addition, in the virtual account depositing step (S200 ), the first customer can be automatically exchanged by the automatic money exchange applicant depositing the first deposit account on behalf of the first customer. Preferably, the automatic currency exchange applicant may be a trusted business operator or financial institution.

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

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

In addition, it is also possible to automatically exchange both sides by matching the automatic exchange application of another customer corresponding to the first currency (C1) amount and the second currency (C2) amount of the first customer's automatic exchange application. That is, the second customer not shown in FIG. 10 may be not only the second customer by the general acceptance described above, but also the second customer by automatic currency exchange matching.

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

Meanwhile, a payment API (Application Programming Interface) may be provided using the automatic currency exchange function. In detail, the payment to be paid by the first customer can be paid in cryptocurrency through automatic exchange through the payment API. In this case, payment can be quickly made by using the automatic currency exchange application for the above-mentioned cryptocurrency purchase.

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

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

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

The above-described preferred embodiments of the present invention are disclosed for the purpose of illustration, and those skilled in the art will appreciate various modifications, changes and additions within the spirit and scope of the present invention. It should be regarded as belonging to the above claims.

If a person having ordinary knowledge in the technical field to which the present invention pertains, various substitutions, modifications, and changes are possible without departing from the technical spirit of the present invention. It is not limited by.

10: currency exchange device 20: processor
30: node
101: first virtual account 102: second virtual account
211: 1-1 account 212: 1-2 account
221: Account 2-1 222: Account 2-2
300: currency handling
400: exchange request list

Claims (6)

In the heterogeneous currency exchange apparatus comprising a currency exchange server 10, processor 20 and node 30,
A currency exchange server 10 that receives information related to a currency exchange request between different currencies from the node 30;
A processor 20 that processes information related to a currency exchange request received by the server 10; And
A node 30 that is connected to an external network corresponding to each currency handling destination 300 of the heterogeneous currency, and transmits a virtual account request to the external network to generate a virtual account in each currency handling location 300; Heterogeneous currency exchange device comprising a.
According to claim 1,
The currency exchange server 10 includes a blockchain storage,
The blockchain storage,
Heterogeneous currency exchange device characterized in that the history of the information related to the exchange request processed by the processor 20 is stored in the blockchain storage.
According to claim 1,
The currency exchange server 10,
After receiving information related to the exchange request from a first customer, receiving information related to a second customer who accepted the exchange request,
The processor 20,
Control the node 30 of the first customer and the node 30 of the second customer so that a virtual account is created in each currency handling place 300 of the virtual currency held by the first customer and the second customer, ,
Determining whether or not to deposit the virtual account, and controlling the node 30 so that each currency deposited through the node 30 is remitted to the second customer and the first customer according to the determination result. A heterogeneous currency exchange device characterized in that.
In the method for currency exchange between different currencies,
A virtual account that generates a first virtual account 101 in the currency handling destination 300 of the first currency C1 and a second virtual account 102 in the currency handling location 300 of the second currency C2. Generating step (S100);
It is determined whether a first currency C1 has been deposited in the first virtual account 101 from a first customer, and whether a second currency C2 has been deposited in the second virtual account 102 from a second customer. Step (S200) to do; And
When it is determined that the first virtual account 101 and the second virtual account 102 are deposited, the first currency C1 and the second currency C2 are the respective values of the first and second customers. And performing a remittance process to send money to the account (S300).
The method of claim 4,
The remittance processing step (S300),
If the deposit to the first virtual account 101 and the second virtual account 102 is not performed within a preset deposit period, the expiration confirmation step (S311) of canceling the exchange request is included. Way.
The method of claim 4,
Before the virtual account creation step (S100),
Receiving a user input related to automatic currency exchange from the first customer,
Further comprising, when the user input is received, an automatic currency exchange application step of depositing a first currency (C1) to an automatic currency exchange applicant;
The virtual account deposit step (S200),
And wherein the automatic money exchange applicant is deposited on the first deposit account on behalf of the first customer.

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