KR20220131496A - Method for providing digital currency platform service and system thereof - Google Patents

Abstract

The present invention relates to a method for providing a digital currency platform service premised on an environment in which digital currency, including a central bank digital currency (CBDC), can freely circulate, and a system therefor. Specifically, the present invention relates to providing a trading environment so that users can use various financial services by using digital currency, and relates to a method for providing a platform service for supporting users so that the users can experience better convenience and security when using digital currency; and a system therefor. The method includes the steps of: receiving inputs for digital currency registration from a user terminal; linking a user of the user terminal with a specific securities company system based on inputs received from the user terminal; receiving a financial transaction menu selection input from the user terminal; receiving an input of a digital currency amount for financial transaction from the user terminal; executing a financial transaction of digital currency based on the financial transaction menu selection input and the amount input; and generating transaction details according to the execution of the financial transaction and distributing the same to a blockchain network.

Description

A method for providing a digital currency platform service and a system for the same

The present invention relates to a method for providing a digital currency platform service provided that an environment in which digital currency including CBDC (Central Bank Digital Currency) can be used, and a system therefor. Specifically, the present invention relates to providing a transaction environment so that users can use various financial services using digital currency, and a platform service providing method that supports users to increase convenience and security when using digital currency; And it's about a system for that.

With the development of technology, digitalization is also accelerating in our daily life. Digitalization is progressing in general regardless of the real economy or the monetary economy, and the advent of cryptocurrencies such as bitcoin, the emergence of simple payments using smartphones, various personal credit card information, and electronic The emergence of wallets is a fragmentary example that shows the rapid digitization of the economy around our lives.

Meanwhile, at the national level, especially in the monetary economy, digitalization work is being prepared, and in the case of China, the central bank digital currency, the so-called CBDC (Central Bank Digital Currency), is already being operated on a pilot basis. As the era of full-scale central bank digital currency is approaching, in this specification, we would like to propose a platform that can trade central bank digital currency for each country. In particular, the present invention intends to propose a method and system for supporting transactions in connection with digital currency, that is, CBDC, when users want to conduct capital market transactions and securities transactions.

The present invention has been derived from such a problem, and it is possible to solve the technical problems salpinned above, as well as to provide additional technical elements that cannot be easily invented by a person of ordinary skill in the art. became

10-2019-0003429 A (2019.01.09)

An object of the present invention is to provide an environment for transacting national central bank digital currency through a platform service.

In particular, the central bank digital currency issued in a specific country is stored in the electronic wallet opened for each user, and this central bank digital currency is used in the financial world such as capital markets (securities), banks, credit (card), and insurance. The purpose of this is to provide a platform service that enables overall management of the transaction process between the financial system and the central bank.

Another object of the present invention is to provide an environment in which a user can use digital currency and conventional money when a user wants to make a transaction in the capital market, that is, a securities transaction.

Another object of the present invention is to provide a transaction environment that enables users to enjoy various convenient functions in using central bank digital currency like cash.

On the other hand, the technical problems of the present invention are not limited to the technical problems mentioned above, and other technical problems not mentioned will be clearly understood by those skilled in the art from the following description.

In order to solve the above problems, a method for a digital money platform server to provide a digital money platform service according to the present invention comprises the steps of: receiving inputs for digital currency subscription from a user terminal; interworking with a specific securities company system by a user of the user terminal based on the inputs received from the user terminal; receiving a financial transaction menu selection input from the user terminal; receiving a digital currency amount input for financial transaction from the user terminal; executing a digital currency financial transaction based on the financial transaction menu selection input and the amount input; and generating and distributing transaction details according to the execution of the financial transaction to a block chain network, wherein the digital currency may be a Central Bank Digital Currency (CBDC).

In addition, in the method of providing the digital currency platform service, the transaction details distributed to the block chain network include at least a user name, a brokerage company account number, a user's digital platform service account number opened through a digital currency platform server, and the financial transaction. It can be characterized by including the change of digital currency according to the execution of the transaction, and the type of financial transaction.

On the other hand, a method for a digital currency platform server to provide a digital currency platform service according to another embodiment of the present invention includes the steps of: receiving an arbitrary transaction service request from a user terminal of an arbitrary user; receiving digital money from the user terminal, the digital money being stored in an electronic wallet uniquely assigned to the user; and calculating a value based on a spot currency according to a predetermined ratio for the received digital currency. may include.

In addition, the method of providing the digital currency platform service may further include the step of transmitting the calculated value of the spot currency to the trading institution server, wherein the digital currency received from the user terminal is a specific approval It may be characterized in that it is received after an approval procedure for approving the change in ownership of the digital currency is executed from the institution.

According to the present invention, it is effective in that it is possible to establish an environment in which the national central bank digital currency can be used smoothly in the overall financial and economic fields. In particular, according to the present invention, there is an effect that computer-based conversion or transaction is possible so that national central bank digital currency can be used in financial institutions such as capital markets, banks, loans, or insurance.

In addition, according to the present invention, by including the digital currency ownership transfer approval procedure from the approval institution in financial transactions involving digital currency, the role of the central bank is dispersed and financial transactions using digital currency are more secure.

In addition, according to the present invention, the digital currency value is stabilized by calculating and calculating the digital currency value based on the spot currency value, and users are prevented from simply using the digital currency as a speculative asset or speculative activity, and through this There is an effect that can contribute to ensuring that the currency is harmoniously used in the market with the existing currency.

In addition, according to the present invention, there is an effect of enabling a transaction through digital currency even in an environment in which the user is offline and not connected to the Internet.

On the other hand, the effects of the present invention are not limited to those mentioned above, and other technical effects not mentioned will be clearly understood by those skilled in the art from the following description.

1 schematically shows the overall system required to provide a digital currency platform service.
2 is a diagram for explaining the role of a digital currency platform server between a plurality of securities companies and the central bank.
3 is a diagram for explaining in more detail a function provided through a digital currency platform service.
4 is a sequence diagram illustrating a process of receiving a digital currency platform service from an individual user's point of view.
5 and 6 show an embodiment of a transaction table in a common ledger managed by a digital currency platform server.
7 is a sequence listing of a process in which individual users holding central bank digital currency buy and sell stocks on the stock exchange.
FIG. 8 shows another embodiment of a method for providing a digital currency platform service according to the present invention, and illustrates a method for providing a digital currency platform service including a process of obtaining approval from an approval institution during a transaction.
9 is a diagram illustrating another embodiment of a digital currency transaction process using a payment code.
10 is a view showing another embodiment, in detail, a digital currency charging process using a charging code.
11 is a flowchart illustrating another embodiment of a smart contract mediation service providing method.
12 is a diagram illustrating another embodiment, and is a diagram for explaining a function of monitoring a transaction in a digital currency platform service.
FIG. 13 is another embodiment modified from the embodiment shown in FIG. 8 .

The purpose and technical configuration of the present invention, and details regarding the operational effects thereof will be more clearly understood by the following detailed description based on the accompanying drawings in the specification of the present invention. An embodiment according to the present invention will be described in detail with reference to the accompanying drawings.

The embodiments disclosed herein should not be construed or used as limiting the scope of the present invention. It is natural for those skilled in the art that the description including the embodiments of the present specification will have various applications. Accordingly, any embodiments described in the detailed description of the present invention are illustrative for better describing the present invention and are not intended to limit the scope of the present invention to the embodiments.

The functional blocks shown in the drawings and described below are merely examples of possible implementations. Other functional blocks may be used in other implementations without departing from the spirit and scope of the detailed description. Further, although one or more functional blocks of the present invention are represented as separate blocks, one or more of the functional blocks of the present invention may be combinations of various hardware and software configurations that perform the same function.

In addition, the expression that includes certain components is an expression of “open type” and merely refers to the existence of the corresponding components, and should not be construed as excluding additional components.

Furthermore, when it is said that a component is “connected” or “connected” to another component, it may be directly connected or connected to the other component, but it should be understood that other components may exist in between. do.

1 is a diagram to help schematically understand the digital currency platform service according to the present invention, and the digital currency platform service may be provided centering on the digital currency platform server 100 . Referring to the drawings, the digital currency platform server 100 may be networked to the central bank digital currency system 11, 12, 13, that is, the central bank digital currency system that issues and/or manages the CBDC, and also the capital market. It can be seen that the network is connected to financial systems such as the system (securities) 201, the banking system 202, the credit system (card) 203, and the insurance system 204. That is, the digital currency platform server 100 according to the present invention may exist between the central bank digital currency system 11 and the systems that provide financial services, and the process of making a transaction for actual use of digital currency between them; The process of being exchanged or the process of being distributed may be processed by the digital currency platform server 100 . In this case, the term 'processing' includes not only the process of simply relaying digital money, that is, data packets or bundles with specific information, from one system to another, but also includes all kinds of data processing that may exist in the process. can mean doing That is, in the digital currency platform server 100, when the digital currency transmitted and received between the two systems is transacted, exchanged, and circulated, necessary information is delivered as it is, some information is added, some information is subtracted, or some information is replaced. data processing can be done.

On the other hand, the digital currency systems 11, 12, 13 in the drawing may be actually implemented by at least one server computer, and in this case, the server computer may be a computing device equipped with a central processing unit and a memory. The central processing unit may also be referred to as a controller, a microcontroller, a microprocessor, a microcomputer, or the like. In addition, the central processing unit may be implemented by hardware, firmware, software, or a combination thereof. When implemented using hardware, an ASIC (application specific integrated circuit) or DSP (digital signal processor) , DSPD (digital signal processing device), PLD (programmable logic device), FPGA (field programmable gate array), etc., when implemented using firmware or software, a module, procedure or function that performs the above functions or operations, etc. Firmware or software may be configured to include In addition, the memory includes ROM (Read Only Memory), RAM (Random Access Memory), EPROM (Erasable Programmable Read Only Memory), EEPROM (Electrically Erasable Programmable Read-Only Memory), flash memory, SRAM (Static RAM), It may be implemented as a hard disk drive (HDD), a solid state drive (SSD), or the like.

On the other hand, the digital currency systems 11 , 12 , 13 may take the form of a cloud server, that is, a cloud server managed and operated by another operating entity, although not necessarily in the form of a server computer.

When looking at the digital money systems 11, 12, 13 from a functional point of view, the digital money systems 11, 12, 13 for each country can allocate a unique identifier (unique ID; 50) to each user, , it is also possible to allocate the electronic wallet 51 to each user. The unique identifier 50 is a means for distinguishing users who want to use digital currency, respectively, and may be a letter, a number, or a combination of letters and numbers. The electronic wallet 51 may be understood as a kind of account for recording how much an individual owns digital currency, when the digital currency is consumed/acquired, and the like.

In addition, between the digital currency systems 11, 12, 13, central bank digital currency of each country can be transacted through a mutual block chain network, and the digital currency platform server 100 according to the present invention also uses a block chain network. trade, exchange, and distribution of

For reference, the digital currency mentioned in this detailed description, the electronic wallet, and the relationship between the two will be briefly described. Digital currency can be understood as an intangible currency that is stored or displayed in a user terminal (eg, a smartphone, etc.) and used online/offline, unlike conventional money used offline. Current digital currency can be largely divided into virtual currency, cryptocurrency, stable coin, and central bank digital currency (CBDC) depending on the issuer, management and supervision method, anonymity guarantee, value fluctuation, etc. The digital currency referred to in the description is preferably Central Bank Digital Currency (CBDC), that is, a kind of digital cash issued by the central bank based on blockchain technology.

The e-wallet service is a service that manages and manages the user's payment, including card information used for payment on the user's terminal, user's account information, and information necessary for payment for membership cards or coupons that grant payment benefits. It is a service that allows users to purchase goods or services anytime, anywhere through an electronic wallet created and assigned to each user.

Also, for reference, blockchain refers to a distributed data storage technology in which blocks that record transaction information for a certain period are linked in a chain form and copied and stored in numerous computers at the same time. The blockchain network connects the data like a chain and discloses the transaction records for anyone to read without keeping the transaction records in a centralized server. It is a data storage technology of P2P structure.

Data recorded on the block chain is characterized by being trusted by anyone because it is very difficult to forge or falsify through hacking. Also, since the data recorded on the block chain is distributed and stored in multiple computers, DDoS attacks or ransom attacks on specific nodes It is also safe from ware attacks. Furthermore, since blockchain can be autonomously maintained and operated by equal participants, it has flexible characteristics compared to the server-client structure where all information was previously concentrated on a central server.

Blockchain technology can be used in various fields such as cryptocurrency, smart contract, logistics management, document management, identification, etc. In relation to the digital currency platform server 100 according to the present invention, in particular, block chain technology is used for smart contracts It should be noted that it can be A smart contract is a function that automatically executes the contract contents when certain conditions are satisfied. It is a digital electronic contract function that enables a desired contract to be concluded on P2P without a third-party guarantee institution in the middle.

Such a smart contract can be applied as it is on the digital currency platform server 100 according to the present invention, and of course, it is premised that such smart contract-based transactions are made on a block chain network.

Referring back to FIG. 1, it has been explained that the digital currency platform server 100 is capable of network connection with systems that provide other financial services. , 13) can be implemented as server computer(s) equipped with a central processing unit and memory.

On the other hand, the digital currency platform server 100 is not necessarily limited to being network-connected only to a server computer, and may also be connected to a so-called user terminal to provide services to general individual users. A user terminal refers to a terminal possessed or carried by a user, and may include portable terminals such as smart phones, PDAs, and tablet PCs as well as installed terminals such as home PCs. When these user terminals are viewed from the device side, it is assumed that each user terminal is provided with a central processing unit (CPU) and a memory.

The user terminal may include a display and a touch-sensitive surface, and additionally one or more other means for physical user input such as a physical keyboard, mouse and/or joystick may be additionally connected thereto. In addition, the user terminal may further include means for detecting and recording a sound or voice. Meanwhile, various applications executed on the user terminal may optionally use at least one universal physical user input means such as a touch-sensitive surface. One or more functions of the touch-sensitive surface as well as corresponding information displayed on the user terminal may optionally be adjusted and/or changed from one application to the next and/or within individual applications. In this way, the universal physical architecture (such as a touch-sensitive surface) of the user terminal may optionally support a variety of applications using user interfaces that are intuitive and clear to the user.

2 is a diagram illustrating a network connection of a plurality of securities company systems 201A to 201N to the digital currency platform server 100 according to the present invention, and each securities company system 201A to 201N is a Korea Exchange system 230 that manages stock transactions. ) or shows a state in which it is linked with another foreign stock trading system 250 for overseas stock trading. As can be confirmed once again in FIG. 2 , the digital currency platform server 100 responds to the user's request with the digital currency (CBDC) in the unique ID 50 and the electronic wallet 51, and the central bank digital currency systems 11 and 12 , 13) processes and delivers digital currency in a form usable in the capital market, and plays a role in enabling the processed digital currency to be smoothly consumed on other trading institutions or other trading systems. 2, the digital currency platform server 100 is a digital currency issued by the central bank digital money system 11, 12, 13, that is, the individual user owns in the electronic wallet 51 and It can also be understood as a role of enabling the digital currency to be utilized for trading on the capital market through the securities book systems 201A to 201N.

Figure 3 is to look into the actual implementation example in more detail, here the tasks that can be performed in the digital currency platform server 100 are listed. Looking at it, in the digital currency platform server 100 according to the present invention, account management work for each securities company, deposit/withdrawal management work, transaction history management work, digital currency management work, or exchange work, etc. are possible. In relation to the account management work for each securities company, the digital currency platform server 100 can be linked with a plurality of securities company systems, and in particular, it is possible to inquire account information opened at each securities company, or to deposit and withdraw from the account. . A user may attempt a financial transaction using digital currency in an environment linked with a plurality of securities book systems just by subscribing to the service provided by the digital currency platform server 100 .

In relation to the deposit and withdrawal management operation, the digital currency platform server 100 may internally create and manage user individual accounts or user individual accounts, and may support users to deposit and withdraw digital currency. The user may store some of his/her digital currency through, for example, the digital currency platform server 100, and compensation (interest) may be paid for the stored digital currency according to at least one of a storage amount or a storage period. In addition, the user may withdraw digital money from an account existing on the digital currency platform server 100 to his/her user terminal. For reference, the user can prevent digital currency theft in advance by storing the digital currency in an individual account or an individual account managed by the digital currency platform server 100, and digital currency loss due to loss or theft of the user terminal risk can be prevented in advance. On the other hand, the digital currency stored in the digital currency platform server 100 may be utilized for the digital currency platform server 100 to provide other financial services and other financial products to other users, and in some cases, digital currency A certain reward may be given to the original owner of the store.

In relation to the transaction history management operation, the digital currency platform server 100 may record all the details of transactions made by the user through the digital currency platform server 100, and in particular, the amount of digital currency transacted, transaction time, and transaction Ancillary information related to each transaction, such as time, customer, transaction purpose, transaction success, or transaction purpose, may be recorded together. On the other hand, such transaction history information may be stored by the digital currency platform server 100 itself, but more preferably, by distributing such transaction details on a block chain, transaction history information of individual users is manipulated or lost without permission. can be prevented from becoming

In relation to the digital currency management work, the digital currency platform server 100 naturally processes a large amount of digital currency because its essence is to support a financial transaction environment in which digital currency is utilized. At this time, the digital currency platform server 100 ) may play a role in maintaining or managing erroneous ones among a large number of processed digital currencies. Digital currency may exist in the form of specific data with software properties that can be transmitted between devices, but errors may occur in the process of being used for financial transactions or processing may become costly due to an increase in capacity. The digital currency platform server 100 can monitor whether such abnormal digital currency exists, and, if necessary, discards the digital currency or repairs/improves the error, thereby reducing the quality of the digital currency used in the market to a certain level. can keep Ancillary procedures, for example, approval from central bank digital currency systems 11, 12, 13, or approval from an individual user, may be required in the process of discarding, restoring/improving digital currency. However, on the premise that all of these procedures have been approved and completed, the digital currency platform server 100 may perform management tasks for digital currencies.

With respect to the exchange operation, the exchange operation shall include exchange between existing spot currency and digital (electronic) currency (exchange between Korean won and Korean digital currency, or between Korean won and US digital currency, etc.), or national central bank digital currency It may include exchange between Korean digital currency and US digital currency, or between US digital currency and Chinese digital currency, etc.). Also for reference, the exchange between spot money and digital (electronic) money in the digital money platform server 100 according to the present invention will be described assuming that it is made in a 1:1 ratio, but this is arbitrarily It is understood that the exchange rate may vary. Also, for reference, in this detailed description, the term 'exchange' is also used for transactions between existing currency and digital currency. It is understood that the term may be used instead.

In addition, in addition to the operations mentioned herein, various operations related to transaction actions involving digital currency (CBDC) may be performed by the digital currency platform server 100 .

On the other hand, in FIG. 3, the tasks that can be processed in the securities company system are also listed for reference. When looking at the securities company system (indicated as A securities company in the drawing), account management, trading business, cash flow management, product model management and bond dealing, Rights, securities, public offerings, loan operations, overseas transactions, financial product sales operations, etc. may be possible. In addition, each securities company system is connected to the digital currency platform server 100 through a network as needed, and financial transaction approval and transactions are performed according to the financial transaction request (eg, deposit, withdrawal request, etc.) from the digital currency platform server 100 . can perform

On the other hand, to outline the method for the digital currency platform server according to the present invention to provide a digital currency platform service, the method includes the steps of: receiving inputs for digital currency subscription from a user terminal; interworking with a specific securities company system by a user of the user terminal based on the inputs received from the user terminal; receiving a financial transaction menu selection input from the user terminal; receiving a digital currency amount input for financial transaction from the user terminal; executing a digital currency financial transaction based on the financial transaction menu selection input and the amount input; and generating and distributing transaction details according to the execution of the financial transaction to a block chain network, wherein the digital currency may be a Central Bank Digital Currency (CBDC). In this case, the financial transaction may include all types of financial transactions involving digital currency.

4 is to specifically explain the process of using the digital currency platform service from the point of view of an individual user. it is for For reference, in this embodiment, the user owns the digital currency issued by the Central Bank of Korea digital currency system 11 or a corresponding institution in the electronic wallet, and while holding his/her user terminal (smartphone) It is assumed that the situation in which the service is used is assumed.

Referring to FIG. 4 , first, the digital currency platform server 100 receives necessary information from the user terminal and joins the user as a member (S100). In this step, a user authentication process may be accompanied, and in the membership registration step including the user authentication process, a user name, social security number, address, or other information that can identify an individual may be requested.

Next, the step (S110) of interlocking the securities company may proceed. This step is a step of networking according to a request from a user so that the digital currency platform server 100 interoperates with a specific securities company system. This step is a step of receiving a securities company selection input from the user terminal (S111), and a securities company It may include a step (S112) of receiving authentication from.

If steps S100 and S110 are pre-steps for full-scale service use, it can be seen that steps S120 are steps in which the user actually uses the service.

Step S120 is a step (S120) of receiving a deposit/withdrawal menu input from the user. As described above, the digital currency platform server 100 may provide services related to various tasks to the user. Among them, this embodiment relates to the use of a service for the user to deposit and withdraw digital currency in conjunction with a securities company account. . If we look at this step in terms of the user's experience, the user runs and logs in an application installed on his/her user terminal (smartphone) or PC (eg Mobile CBDC Platform APP or Web) and then the menu displayed on the user's terminal This step can be executed by selecting the 'Account Deposit and Withdrawal' menu among them.

After that, the step of inputting the deposit/withdrawal amount (S130) and the step of selecting the deposit/withdrawal type (S140) are performed, and after all selection input from the user is completed, the digital currency platform server 100 interworks with the securities company system to perform deposits and withdrawals The executing step ( S150 ) may be performed.

5 shows an example of a transaction table in the common ledger managed by the digital currency platform server 100 . The digital currency platform server 100 records the user's transaction details, and the transaction details may be recorded in the form of a transaction table as shown in FIG. 5, and this transaction table may be distributed and stored in a blockchain network. For reference, in this detailed description, the term 'ledger' means that the digital currency platform server 100 distributes to the block chain network, and records transactions (transactions) through the digital currency platform server 100, as shown in FIG. The transaction table may be the ledger itself or some data constituting the ledger.

Referring back to FIG. 5 , the transaction table may necessarily include a user, a securities company name, a securities company account number and amount, a digital currency platform service account number (hereinafter abbreviated as a service account number), and an amount, and additionally, the amount change , items for transaction type, transaction success, or currency type may be further included. In the transaction table of FIG. 5, user A's history of using a digital currency platform service linked with a securities company called Mirae OO is described. Looking at the top transaction in order, the first transaction records a transaction in which User A newly opened a brokerage company account or a digital currency platform service account (hereinafter abbreviated as service account). And it can be seen that the account is a newly created transaction with 1,000 CBDC initially deposited in the service account. The second transaction relates to a transaction in which user A deposits money into a brokerage account. It can be seen that the balance of the brokerage account is 101,000 won by transferring 1,000 CBDC from the service account to the brokerage account. For reference, in this embodiment, the value ratio between KRW and CBDC is described on the assumption that the ratio is 1:1, of course, it should be understood that this ratio can be different, and when depositing and withdrawing money, the value appropriate for each case It should be understood that the ratio is applied to calculate the monetary value. The third transaction relates to a transaction in which a withdrawal is made from the brokerage account to the service account, and it can be seen that 101,000 won from the brokerage account is transferred to the service account, resulting in a balance of 101,000 CBDC in the service account. The fourth transaction relates to a transaction in which user A directly deposits 200,000 CBDC of digital currency into the service account, and through this, it can be seen that the balance of the service account is 301,000 CBDC. Transaction 5 relates to a transaction in which user A withdraws 100,000 CBDC of digital currency from the service account, and it can be seen that the balance of the service account is 201,000 CBDC. Finally, the sixth transaction relates to updating the balance in the securities company account, and the balance of the securities company account may change according to the operating performance at the corresponding securities company. By inquiring the brokerage account, you can update the brokerage account balance and record it in the transaction table.

6 is also an example of a transaction table managed by the digital currency platform server 100. The difference from the transaction table example of FIG. 5 is that the transaction table of FIG. 5 records only user A's transaction details, while the transaction table of FIG. 6 records transaction details of multiple users together. As such, the digital currency platform server 100 may record a dedicated transaction table for one user and share it in the blockchain network, or record a common transaction table for multiple users and share it in the blockchain network. Referring to FIG. 6 , the first transaction and the second transaction of User A relate to opening an account and withdrawing from a securities company account, respectively, and since they are the same as in FIG. 5 , a detailed description thereof will be omitted. On the other hand, User B's first transaction is made while being linked with another securities company's system, and it relates to a transaction in which User B establishes a new service account with 10,000 CBDC initially deposited into the service account. In addition, user B's second transaction relates to user B depositing 1,000 CBDC into the service account, and it can be seen that the service account (M00002) has a balance of 11,000 CBDC. In addition, user C's first transaction records the situation where user C withdraws from the service account (M00003) and the service account balance remains 9,000 CBDC. In addition, User D's first transaction is a transaction with another securities company system, which records a situation in which User D withdraws 50,000 won from the securities book account (A00004) and the balance in the service account (M00004) becomes 50,000 CBDC.

In this way, the digital currency platform server 100 records the transaction details in which the digital currency is utilized, and distributes and stores the transaction table or the ledger including the transaction table in the blockchain network.

7 shows an example in which an arbitrary individual makes a stock transaction with his or her digital currency (CBDC) by using the digital currency platform server 100. Referring to FIG. 7, the process will be reviewed in order do.

In this process, the digital currency (CBDC) stored in the electronic wallet 51 is transferred to the digital currency platform server through the blockchain network at the request of the user who is first assigned an arbitrary unique ID 50 and electronic wallet 51. It starts from the step of forwarding to (100). For reference, in the digital currency platform server 100 according to the present invention, a separate identifier mapped to the unique ID 50 or the electronic wallet 51 may be given to each user, for example, the user's unique ID ( 50) By inserting the alphabet letter "m" in front of the digital currency platform server 100, it is also possible to define and allocate an identifier that is mapped one-to-one with the unique ID 50.

On the other hand, the value of the digital currency received from the digital currency platform server 100 is calculated based on the amount of spot currency immediately according to a predetermined ratio, and the spot currency corresponding to the value may be deposited into the user's account.

The deposited spot currency may be connected to the securities company system 201 to be deposited and withdrawn from the securities company account, and the spot currency deposited into the securities company account may be used to actually trade stocks in the Korea Exchange 230 .

In this process, in particular, all data processing processes performed in the digital currency platform server 100 may remain as transaction history data, and these transaction details are shared with a plurality of participants on the block chain network to enhance security. can

FIG. 8 shows another embodiment of the service provided by the digital currency platform server 100, and shows a digital currency platform service providing method including a process of obtaining approval from an approval institution during a transaction.

Referring to FIG. 8 , it is assumed that an application dedicated to the digital currency platform service or an electronic wallet application is pre-installed in the user terminal 10 and used as a means for holding, storing, and paying the user's digital currency. On the other hand, in order to perform monetary transactions such as securities, account management, deposit and withdrawal transactions, transaction history management, and currency exchange through the digital currency the user has, first of all, the user selects the desired monetary transaction in the digital currency platform server 100 . to request a desired transaction service, and the digital currency platform server 100 may receive it (S801).

For reference, FIG. 2 shows a process in which the digital currency platform service server 100 supports the user to perform a securities transaction service through digital currency when the user selects a securities transaction. At this time, the securities Silver may include currency securities, commodity securities, capital securities, bearer securities, optional bearer securities, factor securities, and unmanned securities.

After step S801 , the digital currency platform server 100 may receive digital currency from the user terminal 10 . Here, the digital currency to be delivered from the user terminal 10 may have been approved (S802) of ownership change by the approval institution 400 in order to improve trust and stability of the transaction between the transaction parties. Here, the approval institution 400 may be an institution that has issued the digital currency or has been delegated by the issuing institution, for example, the approval institution 400 is the central bank or the central bank to approve changes in ownership It may be a separate agency that has been delegated. The approval institution 400 may be an institution operated or managed by the central government. In this case, before approving the change in ownership of the digital currency, the digital currency of a legitimate user is tracked by tracking the currency flow of the digital currency that wants to change the ownership. It is possible to perform the process of verifying digital currency, such as recognition, whether it is not an illegally intervened digital currency, and whether it is not a counterfeit or falsified digital currency.

On the other hand, the approval institution 400 can verify digital currency in cooperation with commercial banks in order to verify digital currency, and the commercial bank that has verified the digital currency in cooperation with the approval institution 400 receives the amount of digital money by a predetermined quota. The right to change ownership can be granted as a kind of reward. However, when a commercial bank changes the ownership of digital currency, it is necessary to continuously manage and supervise it by the approval institution 400 . In addition, when granting a commercial bank the authority to approve changes in ownership of digital currency, when the transaction amount is less than a predetermined amount, the commercial bank allows the commercial bank to approve the change in ownership of digital currency, and when the transaction amount exceeds the predetermined amount By allowing the central bank to be used as a way to directly approve changes in ownership of digital currencies, the role of the approval authority can be decentralized.

Referring back to FIG. 8 , if the approval institution 400 approves the change in ownership of digital money in the process of the user terminal 10 delivering digital money to the digital currency platform server 100 , the digital currency platform server 100 ) can finally receive digital currency whose ownership has changed (S803).

When receiving digital currency whose ownership has changed, the digital currency platform server 100 may calculate the digital currency value based on the spot currency according to a predetermined ratio of digital currency (S805). At this time, the predetermined ratio may vary depending on the type of securities. For example, digital currency and legal currency (existing paper money) may have a 1:1 ratio, and bonds of capital securities are creditors and debtors. The ratio agreed upon when signing the contract may be a predetermined ratio, and the ratio agreed upon when the shipper and carrier issue the invoice for goods receipt may be a predetermined ratio.

After the digital currency platform server 100 calculates the digital currency value based on the spot currency according to a predetermined ratio, the digital currency platform server 100 delivers the spot currency to the institution where the transaction is conducted with the user, that is, the transaction institution 300. The digital currency transaction between the trading institutions 200 is completed.

For reference, the embodiment shown in FIG. 8 may be applicable even when a securities transaction through digital currency, that is, a security token offering (STO) is used as a medium of the transaction. A security token can be a tokenization of various real assets such as stocks, bonds, real estate, and artworks and selling them like stocks. can Meanwhile, security tokens (STOs) have been traded centered on private companies or securities companies without any special intervention from the central government, and security tokens have not yet been clearly defined, and I am confident in their usefulness. It did not attract the public's attention because it did not exist. However, when the present invention is utilized, the ambiguity problem can be resolved as there is an intermediate approval process for security tokens. You can get a boost effect.

9 is a diagram illustrating another embodiment of a digital currency transaction process using a payment code.

The digital currency platform service providing method according to FIG. 9 is to enable financial transactions through digital currency in an offline environment as well as an online environment, and the user receives a payment code from the digital currency platform server 100 It is a payment method that induces easy digital currency transactions anytime, anywhere without on/offline restrictions. For example, when it is assumed that a user who has stored digital money in the user terminal 10 intends to buy something at a convenience store through digital currency, but the user terminal 10 is disconnected from the Internet, the user can use the digital currency platform server 100 ) presents the payment code provided to the convenience store when signing up for the service, and the convenience store recognizes the payment code so that it can be a digital currency transaction.

The payment code at this time is a code that includes a series of information related to payment, such as a barcode or QR code, and can be provided when a user subscribes to a digital currency platform service. This payment code is a unique code that identifies a user in trading digital currency, but in order to prevent theft and undue profit from other users, a service can be provided so that the user's payment code is updated after a certain period of time. .

On the other hand, in order to recognize the user's payment code, of course, a code recognizer for recognizing the payment code is required, and in general, the code recognizer may be provided in the affiliated store that is subscribed to the digital currency platform service. As the code recognizer, a barcode reader or a QR code reader may be used, and these means may be linked to the affiliated store terminal 500 . Furthermore, in consideration of the fact that digital currency transactions can be performed even among users other than affiliated stores, the payment code may be recognized through a camera provided in the user terminal 10 .

According to FIG. 9, the start of the digital currency transaction service using the payment code starts with the digital currency platform server 100 providing the payment code to the user who has subscribed to the digital currency platform service (S901).

Thereafter, the user may request a transaction by presenting the payment code to the affiliated store 500 , and at this time, the affiliated store terminal 500 recognizes the payment code through a code recognizable means ( S902 ).

Subsequently, the affiliated store terminal 500 may transmit transaction information to the digital currency platform server 100 and request transaction approval, and the digital currency platform server 100 may receive and store the transaction information (S903). In this case, the transaction information may include information for identifying individual transactions that may be generated by a transaction between the user and the affiliated store terminal 500 such as the name of the transaction party, the transaction amount, the transaction date, and the transaction time.

After step S903, the digital currency platform server 100 verifies whether the transaction is appropriate or may approve the transaction based on the transaction information, and approves the transaction when the verification is completed (S904).

After step S904, the digital currency platform server 100 may receive digital currency from the user terminal 10 through the ownership change approval process described above in FIG. 8 (S905, S906) Also, thereafter, the digital currency platform server 100 ) calculates the digital currency value based on the spot currency according to a predetermined ratio and transfers the spot currency to the affiliated store terminal 500 to complete the transaction (S907).

The embodiment of FIG. 9 may be performed in a similar manner even when the networks between the user terminal 10, the digital currency platform server 100, and the affiliated store terminal 500 are all unavailable (offline situation). When the merchant terminal 500 recognizes the payment code from the user terminal 10, the transaction information is matched with the payment code and stored separately in the merchant terminal 500, and when network connection is possible later, the digital currency platform server ( 100) can be done in a way that makes a claim to the side. That is, referring to FIG. 9 , the affiliated store terminal 500 can recognize the payment code of the user terminal 10 in an offline state, and input the product or service price to match the payment code with the payment code and store the corresponding transaction information. can be recorded. On the other hand, in a state in which the network is not available, the affiliated store terminal 500 cannot receive payment in spot currency immediately, but the affiliated store provides goods or services to the user first, and then records it in advance to the digital currency platform server 100 after the fact. By delivering the transaction information that you have placed, you can claim the price according to the transaction. This can be applied not only when the target of the transaction using digital currency is the affiliated store terminal 500, but also when the transaction between users, that is, digital currency remittance between the smartphone and the smartphone. For example, in a place where there is no network environment at all, the payment code displayed through the display of the first smartphone was recognized by shooting with the camera of the second smartphone, and the payment code to be received on the application installed on the second smartphone If the amount of digital currency is matched with the payment code and recorded, the payment code and transaction information (received digital currency), the second smartphone user will be able to receive digital currency.

On the other hand, the digital currency platform server 100 can pay the digital currency suitable for the transaction by deducting the user's digital currency that has been previously deposited when the payment code and transaction information are received after this, or By requesting the transfer of digital currency from the debtor, the digital currency payment can be made to the debtor.

10 is a view showing another embodiment, in detail, a digital currency charging process using a charging code.

The digital currency platform service shown in FIG. 10 is a digital currency platform server in the process of digital currency transaction between the user and the affiliated store terminal 500 when the user terminal 10 lacks the balance of digital currency and the transaction cannot proceed any more. (100) It relates to a process of inducing digital currency transactions by generating and providing a charging code by using the charging code to easily charge digital currency anytime, anywhere without on/offline restrictions. As an easy example, a user who had stored digital money in the user terminal 10 tried to purchase an item at a convenience store through digital currency, but the user terminal 10 was disconnected from the Internet and attempted to proceed with a transaction through a payment code. When the balance of the digital currency stored in the user terminal is insufficient, and further transactions cannot be performed, the digital currency platform server 100 generates a charging code and delivers the charging code to the affiliated store terminal 500 and the affiliated store terminal 500 ) presents the charging code to the user again, the user recognizes the charging code with the user terminal 10 so that the digital currency is charged, and then it can be understood as a service that allows the transaction to be performed again with the charged digital currency.

At this time, the charging code is a code that includes a series of information related to payment, such as a barcode and a QR code, like the payment code of FIG. There is a difference.

According to FIG. 10 , the start of the present embodiment may start from the step ( S1001 ) of the digital currency platform server 100 confirming the fact that the digital currency balance is insufficient in the user terminal 10 . When it is confirmed that the digital currency balance is insufficient, the digital currency platform server 100 notifies the merchant terminal 500 of the fact that the digital currency balance is insufficient in the user terminal 10 (S1002).

Thereafter, the affiliated store terminal 500 may request generation of a charging code from the digital currency platform server 100 in order to proceed with the transaction again, and in response to this, the digital currency platform server 100 generates a charging code (S1003) After this, it can be transferred to the affiliated store terminal 500 (S1004).

When the charging code generated by the digital currency platform server 100 is delivered to the transaction institution 200, the transaction institution provides the received charging code to the user. The method of providing will be a method of recognizing it with a recognition means (eg, a camera) provided in the user terminal 10 when the charging code is output through the display means of the affiliated store terminal 500 as in the other embodiments above. .

After recognizing the charging code, digital currency may be charged (S1007) on the user terminal 10, and the offline payment that was in progress may be performed again using the charged digital currency.

On the other hand, the charging code generated by the digital currency platform server 100 may serve as a promissory note. When looking at the process of the transaction, when the user's digital currency balance is insufficient, the merchant terminal 500 receives the charging code generated from the digital currency platform server 100, and the merchant terminal 500 presents the charging code to the user. The user recognizes the charging code through the user terminal 10 so that the transaction is immediately approved, and the digital currency platform server 100 promises to pay the digital currency within a predetermined period when the user terminal 10 recognizes the charging code It has a structure that recognizes it as an action, which is a structure in which the digital currency platform server 100 allows the user to pay digital currency within a predetermined period, and if the user does not pay the digital currency within a predetermined period, the transaction is canceled. As a result, the charging code can perform a function similar to the promissory note.

11 is a flowchart illustrating another embodiment of a smart contract mediation service providing method.

11 shows that the digital currency platform server 100 mediates contracts necessary for a user's securities transaction, real estate transaction, etc., matches a trading institution that meets the conditions desired by the user, stores and stores the contract written at the time of the contract, It relates to the so-called smart contract brokerage service that provides after-sales service that confirms whether the conditions proposed by the contractors have been fulfilled.

The smart contract mediation server 600 shown in FIG. 11 may be another server that the digital currency platform server 100 can manage, and the smart contract mediation server 600 is simply an individual and affiliated store terminal 500 ), the contract between the affiliated store terminal 500 and another affiliated store terminal, and may be a server that mediates the contract by intervening in the contract between the individual and the individual.

The smart contract mediation server 600 provides a service that matches a transaction agency that satisfies a desired condition to a user who has subscribed to the smart contract mediation service. As an easy example, when the first user wants to obtain a Jeonse room with a condition corresponding to a deposit of A or less and a Jeonse deposit of B or less, the first user sets up a real estate transaction in the smart contract brokerage service and receives a deposit of less than A and B When the conditions for Jeonse deposits of KRW or less are set, the smart contract brokerage service matches the transaction agency 200 and the second user that meet the above conditions, and even if they do not meet the above conditions, the affiliated stores that meet the conditions similar to the above conditions Alternatively, the second user may be matched. For reference, an affiliated store or user using the corresponding service will of course be an affiliated store or user subscribed to the digital currency platform server 100, and may be used for other transaction services other than the real estate transaction mentioned above.

On the other hand, the smart contract mediation server 400 provides a service for storing and storing information on behalf of a series of contract-related information such as a contract, a certificate, and a guarantee that can claim rights between the contracting parties after the contract is concluded. In other words, the smart contract mediation server 400 is a new social worker who is not yet familiar with contract transactions, the socially underprivileged who needs continuous management and protection in making money transactions, etc. In order to prevent this, contract-related information is stored and stored on behalf of the user or affiliated store. In this case, storage and storage can be of course distributed in the blockchain network.

On the other hand, the smart contract mediation server 400 may provide a follow-up service that manages the conditions presented at the time of the contract by the contracting parties on behalf of whether the contract conditions are properly implemented even after the contract is concluded. As an easy example, the first user and the second user subscribed to the digital currency platform server 100 concluded a contract through the smart contract mediation server 400, and at the time of the contract, the first user paid 1 million won per month for 1 year to the second When a condition to pay the user is signed, the smart contract brokerage server checks whether the first user paid 1 million won per month to the second user for one year on behalf of the user, and records it to manage the contract even after the contract is concluded. After-sales service can be provided.

12 is a diagram illustrating another embodiment, and is a diagram for explaining a function of monitoring a transaction in a digital currency platform service.

The digital currency platform server 100, like the smart contract mediation server 600, monitors the transaction in real time and stores the transaction details when the transaction is concluded. (700) can be further operated.

The control server 700 according to FIG. 12 may be another server operated or managed by the digital currency platform server 100, and the control server 700 is a contract between the individual and the affiliated store terminal 500, the affiliated store terminal ( 500) and another affiliated store terminal, intervening in the middle of contract signing between individuals, attempting illegal acts in the middle of contracting, detecting users (scammers) with a history of attempting illegal acts in the past It could be a server that blocks the contract before losing.

The control server 700, like the smart contract mediation server 600 described above, can monitor the transaction in real time to monitor whether an illegal action to obtain an undue advantage is made in the course of the transaction.

In addition, the control server 700 may monitor the transaction process in real time and, at the same time, store transaction details of the concluded transaction when users conclude a transaction.

On the other hand, if an illegal act or an illegal act is attempted in the course of a transaction, the control server 700 includes the name information of the special user who has acted or attempted the illegal act, the GPS address where the act was made, the special user's terminal, and the special user. It can collect and store all information about special users who have done illegal activities such as IP addresses (Internet Protocol addresses) of

On the other hand, the control server 700 prevents the special user from transacting when a special user who has committed an illegal act or attempted an illegal act in the past based on the stored transaction details and information about the special user attempts a transaction. Alternatively, in order to protect the transaction party dealing with the special user, it may detect and block the special user's transaction attempt.

As such, the control server 700 fundamentally blocks unjust transactions or illegal acts such as fraud when dealing with socially disadvantaged people who are not yet familiar with contract transactions and socially underprivileged who need continuous management and protection in monetary transactions. It can play a role in protecting and managing transactions.

Finally, Fig. 13 is an embodiment in which some modifications are applied to Fig. 8, characterized in that the step (S1401) of wrapping the digital currency is performed when the approval institution 400 approves the change in ownership of the digital currency do it with

Digital currency wrapping, assuming that there are various types of digital currency, bundles various types of digital currency issued by the digital currency issuance server 800 into one package and transmits it to the digital currency platform server 100 .

Here, the package (hereinafter referred to as “lapping data”) contains the content of the assurance that the digital currency can be used as a central bank digital currency (CBDC) by the approval institution, such as an approval mark for the change of ownership of the approval institution, and the mark of the approval institution. may be included. In addition, the lapping data may include details of the transaction, such as the names of the parties to the transaction, the transaction type, the transaction purpose, and the transaction time. In addition, the lapping data may include contents on the market price or value of digital currency, such as the market price at the time of wrapping in consideration of the variable value of the digital currency, the ratio of the value of the digital currency concluded between the transaction parties, and the like.

Referring back to FIG. 13, the digital currency platform server 100 receives the wrapped digital currency (S1303), and thereafter, the digital currency platform server 100 converts the digital currency into a digital currency based on a spot currency according to a predetermined ratio. Calculate the monetary value (S1305).

When the digital currency platform server 100 calculates the digital currency value based on the spot currency according to a predetermined ratio of the digital currency, the user and the user while delivering the spot currency to the institution where the transaction is conducted with the user, that is, the affiliated store terminal 500 The digital currency transaction between the affiliated store terminals 500 is completed.

In this way, if the digital currency transaction between the user terminal 10 and the affiliated store terminal 500 is completed through the digital currency platform server 100, the spot currency is transferred to the affiliated store terminal 500, so the digital currency platform server 100 is wrapped Only digital currency remains, and the wrapped digital currency is a digital currency wrapped with wrapping data including information on the approval mark of the approval institution and transfer of ownership. A step ( S1402 ) of releasing the lapping data of may be performed.

When the wrapping data of the wrapped digital currency is released, the digital currency from which the wrapping data is released is returned to the existing digital currency, that is, the digital currency issued by the digital currency issuance server 800 . As an easy example, if the user receives the first digital currency and the second digital currency and stores it in the user terminal, and the first digital currency and the second digital currency stored in the user terminal are wrapped by an approval authority to be used in a transaction, the wrapped Each package wraps the wrapping data to be used as central bank digital currency (CBDC), and when the transaction is completed and the wrapping data is released, the user is returned to the previously issued first and second digital currency.

On the other hand, although the figure shows one digital currency issuance server 800, if necessary, there may be multiple digital currency issuance servers, and in particular, multiple servers may exist to issue different types of digital currency. In addition, digital currencies returned to the original issuance server in this way can be reused for future financial transactions.

On the other hand, the right to wrap the digital currency is given to the approval institution, and the right to release the wrapping data of the wrapped digital currency is granted only to the digital currency platform server 100, thereby preventing reckless reuse or misuse of digital currency.

On the other hand, the digital currency platform server 100 may induce the user to proactively manage digital currency transaction contents by allowing the user to select whether to keep the released wrapping data or completely delete it.

Above, we looked at the digital currency platform server and the process of transactions on these servers. On the other hand, the present invention is not limited to the specific embodiments and applications described above, and various modifications are carried out by those skilled in the art to which the invention pertains without departing from the gist of the invention as claimed in the claims. Of course, these modifications are not to be understood as being distinct from the spirit or vision of the present invention.

user terminal 10
Central Bank Digital Currency System 11, 12, 13
Unique Identifier 50 Electronic Wallet 51
Digital Currency Platform Server 100
Capital Market (Securities) System 201
banking system 202
Goddess (card) system 203
insurance system 204
Korea Exchange System 230
Transaction institution 300
Approval body 400
Merchant Terminal 500
Smart Contract Mediation Server 600
control server 700
Digital currency issuance server 800

Claims (5)

In a method for a digital currency platform server to provide a digital currency platform service,
receiving inputs for digital currency subscription from a user terminal;
interworking with a specific securities company system by a user of the user terminal based on the inputs received from the user terminal;
receiving a financial transaction menu selection input from the user terminal;
receiving a digital currency amount input for financial transaction from the user terminal;
executing a digital currency financial transaction based on the financial transaction menu selection input and the amount input; and
generating transaction details according to the execution of the financial transaction and distributing it to a block chain network;
including,
The digital currency is characterized in that CBDC (Central Bank Digital Currency),
How to provide digital currency platform services.
According to claim 1,
The transaction details distributed to the blockchain network include at least a user name, a brokerage company account number, a user's digital platform service account number opened through a digital currency platform server, a change in digital currency according to the execution of the financial transaction, and a type of financial transaction. characterized in that it comprises,
How to provide digital currency platform services.
In a method for a digital currency platform server to provide a digital currency platform service,
receiving any transaction service request from a user terminal of any user;
receiving digital money from the user terminal, the digital money being stored in an electronic wallet uniquely assigned to the user; and
calculating a value based on the spot currency according to a predetermined ratio for the received digital currency; containing,
How to provide digital currency platform services.
4. The method of claim 3,
transmitting a spot currency equal to the calculated value to a trading institution server;
characterized in that it further comprises,
How to provide digital currency platform services.
5. The method of claim 4,
The digital currency received from the user terminal is,
Characterized in that it is received after the approval procedure for approving the change in ownership of the digital currency is executed from a specific approval institution,
How to provide digital currency platform services.

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