TW201643783A - Electronic trading system for cryptocurrency and method thereof - Google Patents

Abstract

An electronic trading system for cryptocurrency and method thereof is disclosed. By receiving a user-initiated request from a client so as to exchange between a cryptocurrency and a fiat currency, and changing the fiat currency to a stored value into a wallet account, so as to use the stored value to exchange the cryptocurrency for shopping, and depositing the fiat currency into a reserve account at a financial server. The mechanism is help to improve the security and the convenience of the transaction under the premise of protecting the purchasing power of customers.

Description

Electronic transaction system for cryptocurrency and method thereof

The present invention relates to an electronic transaction system and method thereof, and more particularly to an electronic transaction system and method for providing cryptographic currency with a security mechanism to protect the value of electronic transactions.

Various types of computer network systems are used to facilitate electronic transactions that transfer value between at least two accounts. In the design of computer systems, promoting electronic transactions, privacy, security and efficiency is often the primary concern. The security of computer systems in modern financial institutions often depends on laws, regulations and security rules. These laws and regulations may require third parties (such as agents or computer agents) to involve all electronic transaction transfer values. Some third parties may even modify the content of electronic transactions, which inevitably spread information about electronic transactions to more entities and inevitably delay the actual transfer of value.

The invention discloses an electronic transaction system for cryptocurrency and a method thereof.

First, the present invention discloses an electronic transaction system for cryptocurrency, the system comprising: a client, a financial server, a cryptographic currency exchange server, a wallet service server, and a shopping terminal. The client is used to generate and transmit a user initiated request; the financial server is used to store a reserve account, and the reserve account includes a legal currency amount, which is measured in units of legal tender type; the encrypted currency exchange server is used in the electronic When the redemption transaction request is for sale, the cryptocurrency is converted into a legal currency amount for deposit into the reserve account, and when the electronic exchange transaction request is for purchase, the transaction unit purchases the cryptocurrency equal to the transaction unit from the reserve account.

As for the wallet service server, it includes: a wallet database, a processing module, a transaction module, and a financial module. Wherein, the wallet database is used to store the wallet account, each wallet account is associated with the cryptocurrency and includes a stored value; the processing module is configured to receive the verification parameter to verify the deposit, and process the deposit to the corresponding said after verification a wallet account, and receiving a user initiated request from the client, wherein the processing includes using the legal currency amount as a stored value amount when the deposit is a legal tender amount, and the user initiates a transaction unit that requests the stored value of the wallet account; The transaction module is configured to immediately generate and transmit an electronic redemption transaction request to the cryptocurrency server according to a request initiated by the user, and deposit the cryptocurrency purchased equal to the transaction unit to the shopping terminal for transaction, and in the corresponding The wallet account deduction is equal to the stored value of the transaction unit; the financial module is used to deposit the legal currency amount into the reserve account when the deposit is the legal currency amount.

In addition, the present invention discloses an electronic transaction method for cryptocurrency, which is applied to a network environment having a client, a financial server, a cryptographic currency exchange server, a wallet service server, and a shopping terminal, and the steps include: storing a reserve in a financial server Account, this reserve account contains legal tender money, which is measured in units of fiat currency type; the wallet service server stores wallet accounts, each wallet account is associated with cryptocurrency and contains stored value; wallet service server Receiving a verification parameter to verify the deposit, and processing the deposit to the corresponding wallet account after verification, and receiving a user initiated request from the client, wherein the processing includes storing the legal currency amount as a deposit when the deposit is a legal tender amount a value amount, and the user initiates a request for a transaction unit containing the stored value of the wallet account; the wallet service server immediately generates and transmits an electronic redemption transaction request to the encrypted currency exchange server according to the user initiated request; the encrypted currency exchange Server in electronic exchange transaction request At the time of sale, the cryptocurrency is converted into a legal currency amount for deposit into the reserve account, and when the electronic exchange transaction request is for purchase, the transaction account purchase is deducted from the reserve account equal to the cryptocurrency of the transaction unit and The deposit is deposited into the corresponding wallet account; the wallet service server deposits the cryptocurrency equal to the transaction unit to the shopping terminal for transaction, and deducts the stored value amount equal to the transaction unit in the corresponding wallet account. The wallet service server deposits the legal currency money into the reserve account when the deposit is a legal currency amount.

The system and method disclosed by the present invention are as above, and the difference from the prior art is that the present invention receives a user-initiated request from a client to perform redemption between cryptocurrency and legal tender, and converts legal currency into a store in a wallet account. The amount of the value, in order to use the stored value to convert the cryptocurrency for purchase, and to store the legal currency to the financial server's reserve account.

Through the above technical means, the present invention can achieve the technical effect of improving transaction security and convenience under the premise of ensuring the purchasing power of the customer.

The embodiments of the present invention will be described in detail below with reference to the drawings and embodiments, so that the application of the technical means to solve the technical problems and achieve the technical effects can be fully understood and implemented.

Before describing the electronic transaction system and method of the cryptocurrency disclosed in the present invention, the environment to which the present invention is applied will be described. The present invention is applied to a client, a financial server, a cryptographic currency exchange server, and a wallet service servo. In the network environment of the shopping device and the shopping terminal, the wallet service server receives the request from the client (eg, the mobile device), and the user can perform the electronic transaction of the cryptocurrency through the mobile application (App). In order to convert the cryptocurrency and fiat money from the cryptocurrency server, and deposit the fiat money into the account of the financial server, or even use the credit value corresponding to the cryptocurrency for shopping.

"Currency" refers to money that can be recycled as a medium of trading that represents quantitative values. "Legal currency" means money derived from government regulations or laws. “Digital currency” means the medium of trading established and stored electronically. "Cryptographic currency" is a type of digital currency, such as bitcoin, which refers to a digital trading medium that uses encryption for security and to prevent counterfeiting and/or fraud. The cryptocurrency can exist in a decentralized manner in the network of computing devices that maintain digital bank accounts, such as in the form of a block chain. The blockchain is a public account that is shared in the cryptocurrency network, and all financial transactions that are confirmed using the cryptocurrency are included in the blockchain. The integrity and chronological order of the blockchain will be encrypted. Financial transactions can occur between cryptocurrency wallets, spread through a cryptocurrency network when financial transactions begin, and eventually merge into one block of the blockchain through a miner entity in the cryptocurrency network.

"Hot wallet" or "hot wallet service" here refers to the realization of a digital currency wallet that can be accessed online via the Internet, providing users with an entry site to start financial transactions in the digital currency economy. . For example, cryptocurrency-related services and transactions can be spent instantly or paid for withdrawals, which can be said to be paid by the hot wallet service. The hot wallet service can be implemented by one or more computer servers that store one or more private keys that can authorize financial transactions to the cryptocurrency network.

"Mining" refers to a decentralized consensus system in a cryptocurrency network that is used to confirm that waiting for a transaction to include them in a blockchain. During the mining process, the neutrality of the protected cryptocurrency network is chronologically arranged in the blockchain, and different computers are allowed to agree to the state of the cryptocurrency system. The transaction to be confirmed and/or verified must be encapsulated in the block and verified by the cryptocurrency network with the appropriate strict password rules. These rules prevent the previous block from being modified, as this will cause all subsequent blocks to be modified. invalid. Mining also creates a competing lottery ticket to prevent any individual from simply adding new contiguous blocks to the blockchain in the blockchain or replacing parts to return to their own expense. “Miners” are entities involved in mining activities that attempt to solve computational challenge requirements through encryption to create a new block.

The electronic trading system and method for the cryptocurrency of the present invention will be further described below with reference to the drawings. Please refer to "FIG. 1", which is a system block diagram of an electronic trading system for cryptocurrency of the present invention. The client 100, the financial server 110, the cryptocurrency server 120, the wallet service server 130, and the shopping terminal 140. The client 100 can be a mobile device with a network connection function, such as a smart phone, a tablet computer, a notebook computer, a personal digital assistant, and the like. The client 100 can communicate with the wallet service server 130 via a network 150, which includes a wired network and a wireless network.

The financial server 110 is used to store a reserve account, which contains legal tender money, which is measured in units of legal tender type. In other words, the financial server 110 is a server located on the financial provider side, and the reserve account can be regarded as a financial account (such as a trust account) generated by the operator of the wallet service server 130 to open an account on the financial institution side, for storing the statutory account. Money payments, such as: NT, US dollars, Euros, etc.

The cryptographic currency exchange server 120 is configured to convert the cryptocurrency into a legal currency amount for deposit into the reserve account when the electronic exchange transaction request is for sale, and deduct the transaction unit purchase from the reserve account when the electronic exchange transaction request is for purchase The cryptocurrency of this trading unit. In actual implementation, the wallet service server 130 may split an electronic redemption transaction request into multiple electronic exchange transaction requests for transmission to different cryptographic currency exchange servers 120 for transaction, thereby achieving an optimal exchange rate.

The wallet service server 130 includes a wallet database 131, a processing module 132, a transaction module 133, and a financial module 134. The wallet database 131 is used to store wallet accounts, each wallet account is associated with a cryptocurrency and each wallet account contains a stored value such as an amount, a credit or a credit. In actual implementation, each wallet account has a set of cryptocurrency addresses, for example, Bitcoin, whose cryptographic currency address is “1BnRZk6sbniEGRjGyKQSKFhVhMxGVS6jt4”, which is similar to the bank card number used for deposit and The basis for remittance. In actual implementation, the wallet account stored in the wallet database 131 may further include transaction records and configuration files, and even multiple wallet databases 131 may be used to store the data separately.

The processing module 132 is configured to receive the verification parameter to verify the deposit, and process the deposit to the corresponding wallet account after verification, and receive a user initiated request from the client 100, wherein the processing includes when the deposit is a legal tender amount The legal currency amount is used as the stored value of the wallet account. In actual implementation, the stored value may be a value converted to a predetermined proportion, in addition to a value proportional to the legal currency amount. A value, the user initiates a transaction unit that includes the stored value of the wallet account, assuming that the "50" credit value is to be used for shopping, the transaction unit is the value "50". In actual implementation, the deposit may include deposits in fiat currency (also known as legal tender money) and deposits in cryptocurrency. Assuming deposits in fiat currency, the relevant information such as account number, transaction serial number, verification code, etc. may be regarded as Verify the parameter to verify the deposit; assuming the deposit is in cryptocurrency, the deposit will come from the cryptocurrency address, at this point verifying that the deposit contains the verification cryptographic signature, associated with the cryptographic currency address in the cryptocurrency network The corresponding public key, as the verification verification parameter to verify that the deposit is a conventional verification mechanism for the legal currency and the cryptocurrency itself, will not be repeated here. After the credit value converted by the predetermined ratio is used as the stored value of the wallet account, the equivalent stored value is deducted when the cryptocurrency is purchased. The predetermined ratio may be "1:1", "1:2", "1:3", etc., and so on. In terms of "1:1", that is, a unit of legal currency deposit is converted into one. Credit value.

The transaction module 133 is configured to immediately generate and transmit an electronic redemption transaction request to the encrypted currency exchange server 120 according to the user initiated request received by the processing module 132, and deposit the encrypted currency purchased equal to the transaction unit to the shopping terminal. The transaction is made 140 and the amount of the stored value equal to the transaction unit is deducted in the corresponding wallet account. In actual implementation, the transaction unit represents a quantity specified by the user, and the electronic exchange transaction request includes at least a transaction type (eg, purchase or sale), a transaction unit, and a public key. In particular, during the transaction process, the shopping terminal 140 does not need to confirm with the wallet service server 130 whether the transaction is completed, and only confirms whether the encrypted currency is successfully deposited. In addition, when the deposit is a cryptocurrency, the transaction module 133 can immediately generate an electronic redemption transaction request, or the user can choose whether to immediately generate an electronic exchange transaction request, so that the cryptocurrency exchange server sells the corresponding deposit. The cryptocurrency becomes a legal currency payment.

The financial module 134 is configured to deposit the legal currency money into the reserve account when the deposit is a legal currency amount. For example, suppose the user deposits fifty dollars in the wallet account, and the fifty dollars will be regarded as a deposit. After the processing module 132 verifies the deposit, since the deposit is a legal money, the processing module 132 will It is converted to the stored value of the wallet account, and the financial module 134 can establish a connection with the financial server 110 to deposit the fifty dollars into the reserve account of the financial server 110.

Next, please refer to "2A" to "2C", "2A" to "2C" are electronic trading methods for cryptocurrency of the present invention, which are applied to client 100, financial server 110, and encryption. The network environment of the currency exchange server 120, the wallet service server 130 and the shopping terminal 140 includes the steps of: storing, on the financial server 110, a reserve account, the reserve account containing legal tender money, the legal currency amount being legal currency type Unit measurement (step 210); the wallet service server 130 stores a wallet account, each wallet account is associated with the cryptocurrency and includes a stored value amount (step 220); the steps 210 and 220 are used to establish an initial environment, when After the initial environment is established, as shown in "FIG. 2B", the wallet service server 130 receives the verification parameters to verify the deposit, and processes the deposit to the corresponding wallet account after verification, and receives the user initiated request from the client 100. Wherein the processing includes using a legal currency amount as a stored value amount when the deposit is a legal tender amount, the user initiated request including the a transaction unit of the stored value of the wallet account (step 230); the wallet service server 130 immediately generates and transmits an electronic redemption transaction request to the cryptographic currency exchange server 120 according to the user initiated request (step 240); the cryptographic currency exchange server 120, when the electronic exchange transaction request is for sale, convert the cryptocurrency into a legal currency amount for deposit into the reserve account, and when the electronic exchange transaction request is for purchase, deduct the transaction unit from the reserve account and purchase the cryptocurrency equal to the transaction unit and Deposited as a deposit to the corresponding wallet account (step 250); the wallet service server 130 deposits the cryptocurrency purchased equal to the transaction unit to the shopping terminal 140 for transaction, and deducts the corresponding transaction unit in the corresponding wallet account The stored value amount (step 260); the wallet service server 130 deposits the legal tender amount into the reserve account when the deposit is a legal tender amount (step 270). Through the above steps, the user can initiate a request to exchange the cryptocurrency and fiat money by the client, and convert the legal currency into the stored value in the wallet account, so as to use the stored value to exchange the cryptocurrency for the purpose. Shopping, and storing the legal currency to the reserve account of the financial server.

As shown in FIG. 2C, after step 230, an electronic exchange transaction request may be immediately generated when the deposit is a cryptocurrency, so that the cryptographic currency exchange server 120 sells the cryptographic currency corresponding to the deposit as a legal Monetary money (step 235). In other words, when the cryptocurrency is deposited in the wallet account, the cryptocurrency is immediately sold for conversion to legal tender. In actual implementation, the user may also choose whether to immediately generate an electronic exchange transaction request, and the converted legal money amount may also be converted into the stored value amount and thereby update the stored value of the corresponding wallet account.

The following is a description of the embodiments in the following manners. Please refer to "Figure 3" and "Figure 3" for a schematic diagram of the conversion of cryptocurrency and fiat currency by applying the present invention. In the case of Bitcoin, the cryptocurrency server 120 can be regarded as a bitcoin exchange, providing a redemption process between legal tender and cryptocurrency. In general, different cryptographic currency exchange servers 120 may have different exchange rates. Therefore, when the transaction module 133 transmits an electronic exchange transaction request, the electronic exchange transaction request may be disassembled into multiple requests for transmission to different ones. The cryptocurrency exchange server 120 is used to obtain the best exchange rate.

As shown in "Fig. 4", "Fig. 4" is a schematic diagram of shopping using the present invention. When the user wants to make a purchase, the client 100 transmits a user-initiated request generated by the user's shopping behavior to immediately generate an electronic redemption transaction request, and transmits it to the cryptographic currency exchange server 120 to purchase a cryptocurrency equal to the transaction unit. Next, the transaction module 133 deposits the previously purchased cryptocurrency into the shopping terminal 140 for transaction, and deducts the stored value amount equal to the transaction unit in the wallet account corresponding to the user. In actual implementation, before the transaction request is generated according to the user's request, the transaction module 133 first determines whether the transaction unit included in the user initiation request does not exceed the stored value of the corresponding wallet account, and does not exceed A corresponding electronic redemption transaction request is generated and the electronic redemption transaction request is transmitted to the cryptographic currency exchange server 120 for redemption processing. For example, suppose that at the time of shopping, the transaction unit in the user initiated request is “200”, and the stored value of the wallet account is “500”. Since the value of the transaction unit does not exceed the stored value of the wallet account, the transaction model The group 133 will generate a corresponding electronic redemption transaction request and transmit it to the cryptographic currency exchange server 120 to purchase a cryptocurrency equal to the transaction unit, and then deposit the cryptocurrency into the shopping terminal 140 for transaction, and in the corresponding wallet account. After deducting the amount of the stored value equal to this trading unit, the amount of stored value in the wallet account is "300".

As shown in Figure 5, Figure 5 is a schematic diagram of the application of the present invention to remit legal money into a reserve account. As mentioned earlier, the financial module 134 will deposit the legal tender money into the reserve account when the deposit is a legal tender. In actual implementation, the deposited reserve account is realized through the network of the financial institution, that is, the general financial remittance processing. Since the processing of financial remittance is a conventional technology, no further description is made here.

As shown in "figure 6", "figure 6" is a schematic diagram representing a computing device or server according to the present invention in accordance with various embodiments. In actual implementation, computing device 300 can represent a computer or server as described herein. In various embodiments, computing device 300 may be one or more computing devices in a system that implements "FIG. 1". The computing device 300 can implement the methods and processes described herein (eg, the "Method of FIG. 2"). The computing device 300 includes one or more processors 310 and a memory (eg, memory 320) interconnected with the physical bus bar 330. The interconnections 330 described in FIG. 6 are abstract concepts that represent any one or more separate physical busses, point-to-point connections, or a combination of both by a suitable bridge, interface card, or controller. Therefore, the interconnections 330 may include, for example, a system bus, a Peripheral Component Interconnect (PCI) bus, a PCI-Express bus, an HT bus (HyperTransport), or an Industry Standard Architecture (ISA). Bus, small computer system interface (SCSI) bus, universal serial bus (USB), internal integrated circuit (I2C) bus or FireWire.

The processor 310 is a central processing unit (CPU) of the computing device 300, thereby controlling the overall operation of the computing device 300. In some embodiments, the processor 310 is configured to execute a software or firmware stored in the memory 320. The processor 310 may be or may include one or more programmable general purpose or special purpose microprocessors, digital signal processors (DSPs), programmable controllers, and application specific integrated circuits (Application Specific Integrated). Circuits, ASICs, Programmable Logic Devices (PLDs), Trusted Platform Modules (TPMs), or the like, or a combination of these devices.

The memory 320 is or is included in the main memory of the computing device 300. The memory 320 represents any form of random access memory, read only memory, flash memory, or the like, or a combination of the devices. In use, memory 320 may contain code 370 containing instructions in accordance with the mesh connection system described herein.

The processor 310 interconnected by the interconnect 330 is a network interface card 340 and a storage interface card 350. The network interface card 340 provides the computing device 300 with remote device communication capabilities, which may be, for example, a network-based Ethernet card or a Fibre Channel interface card. The network interface card 340 can also provide the computing device 300 with the ability to communicate with other computing devices. The storage interface card 350 enables the computing device 300 to access persistent storage and may be, for example, a Fibre Channel interface card or a SCSI interface card.

The code 370 stored in the memory 320 can be implemented as a software and/or firmware to cause the processor 310 to perform the actions described above. In some embodiments, such software or firmware may initially provide the computing device 300 to download from a remote system (eg, via the network interface card 340).

The techniques described herein can be implemented by, for example, programming a programmable circuit (eg, one or more microprocessors) or a fully dedicated hardware circuit, or a combination of these, in software or firmware. A dedicated hardware circuit can be one or more ASICs, PLDs, field programmable logic gate arrays (FPGAs), and the like.

The techniques used in the implementation of the software or firmware may be stored on a machine readable storage medium and executed by one or more general purpose or special purpose programmable microprocessors. The term "machine-readable storage medium" as used herein includes any mechanism that can store information in a machine readable form (machines such as: computers, network devices, cellular phones, personal digital assistants (PDAs), manufacturing) Tools, any device with one or more processors, etc.). For example, machine-readable storage media includes recordable/non-recordable media (eg, read only memory (ROM), random access memory (RAM), disk storage media, optical storage media, flash memory devices, etc.) .

The term "logic" as used herein may include, for example, a programmable circuit having a particular software and/or hardware, a dedicated hardware circuit, or a combination thereof.

In summary, it can be seen that the difference between the present invention and the prior art is that the user initiates a request from the client to perform the exchange between the cryptocurrency and the legal currency, and converts the legal currency into the stored value in the wallet account. In order to use the stored value to convert the cryptocurrency for shopping, and to store the legal currency to the reserve account of the financial server, the technical problem can solve the problems of the prior art, and then, under the premise of ensuring the purchasing power of the customer, Improve the technical effectiveness of transaction security and convenience.

While the present invention has been described above in the foregoing embodiments, it is not intended to limit the invention, and the invention may be modified and modified without departing from the spirit and scope of the invention. The scope of patent protection shall be subject to the definition of the scope of the patent application attached to this specification.

100‧‧‧Client
110‧‧‧Financial Server
120‧‧‧Encrypted Currency Exchange Server
130‧‧‧Wallet Service Server
131‧‧‧Wallet database
132‧‧‧Processing module
133‧‧‧Transaction module
134‧‧‧Financial Module
140‧‧‧shopping
150‧‧‧Network
300‧‧‧ Computing device
310‧‧‧ processor
320‧‧‧ memory
330‧‧‧Interconnected
340‧‧‧Network interface card
350‧‧‧Storage interface card
370‧‧‧ Code Step 210‧‧ A storage account is stored on the financial server, the reserve account contains a legal currency amount, which is measured in units of a legal currency type. Step 220‧‧ ‧ in the wallet service server Storing at least one wallet account, each wallet account associated with a cryptocurrency and including a stored value amount. Step 230‧‧ The wallet service server receives one or more verification parameters to verify a deposit and processes the deposit after verification Retrieving a user-initiated request from the corresponding wallet account, wherein the processing includes, when the deposit is the legal currency amount, the legal currency amount is used as a stored value amount, and the user initiates the request including the The transaction unit of the stored value of the wallet account. Step 235‧‧ When the deposit is the cryptocurrency, an electronic exchange transaction request is immediately generated, so that the cryptocurrency server sells the cryptocurrency corresponding to the deposit Steps to become the legal tender money step 240‧‧ The wallet service server immediately produces the request based on the user's request And transmitting an electronic redemption transaction request to the cryptographic currency exchange server. The cryptographic currency exchange server, in step 250‧ ‧ converts the cryptocurrency into the legal currency amount when the electronic exchange transaction request is for sale, and When the electronic exchange transaction request is a purchase, the transaction unit purchases the cryptocurrency equal to the transaction unit from the corresponding reserve account and deposits the deposit as the deposit to the corresponding wallet account. Step 260‧‧‧ The wallet service The server deposits the cryptocurrency equal to the transaction unit to a shopping terminal for transaction, and deducts the stored value equal to the transaction unit in the corresponding wallet account. Step 270‧‧ The wallet service server When the deposit is in the legal currency, the legal currency amount is deposited into the reserve account

1 is a system block diagram of an electronic transaction system for cryptocurrency of the present invention. 2A to 2C are flowcharts showing the method of the electronic transaction method of the cryptocurrency of the present invention. Figure 3 is a schematic diagram of the exchange of cryptocurrency and fiat currency using the present invention. Figure 4 is a schematic diagram of shopping using the present invention. Figure 5 is a schematic diagram of the application of the present invention to remit legal money into a reserve account. Figure 6 is a schematic diagram showing a computing device or server in accordance with the present invention in accordance with various embodiments.

100‧‧‧Client

110‧‧‧Financial Server

120‧‧‧Encrypted Currency Exchange Server

130‧‧‧Wallet Service Server

131‧‧‧Wallet database

132‧‧‧Processing module

133‧‧‧Transaction module

134‧‧‧Financial Module

140‧‧‧shopping

150‧‧‧Network

Claims (10)

An electronic transaction system for cryptocurrency, the system comprising: a client for generating and transmitting a user initiated request; a financial server for storing a reserve account, the reserve account including a legal currency amount, the legal currency The money is measured in units of a legal currency type; at least one cryptocurrency server is used to exchange a cryptocurrency into the legal currency for deposit into the reserve account when an electronic exchange transaction request is for sale, and The electronic exchange transaction request is a purchase, deducting a transaction unit from the reserve account to purchase the cryptocurrency equal to the transaction unit; and a wallet service server, the wallet service server comprising: a wallet database for storing at least a wallet account, each wallet account associated with the cryptocurrency and including a stored value amount; a processing module for receiving one or more verification parameters to verify a deposit, and processing the deposit to a corresponding one after verification The wallet account, and receiving the user initiated request from the client, wherein the processing package When the deposit is the legal currency amount, the legal currency amount is used as the stored value amount, and the user initiates the request to include the trading unit of the stored value of the wallet account; a transaction module is used according to the user Initiating a request to immediately generate and transmit the electronic exchange transaction request to the cryptocurrency server, and depositing the cryptocurrency equal to the transaction unit to a shopping terminal for transaction, and deducting the corresponding wallet account An amount equal to the stored value of the trading unit; and a financial module for depositing the legal tender money into the reserve account when the deposit is the legal currency amount. An electronic transaction system according to the cryptographic currency of claim 1 wherein the deposit is from a cryptographic currency address, and the verification parameter verifies that the deposit comprises a verification-encrypted signature for a cryptocurrency network A corresponding public key associated with the cryptocurrency address. According to the electronic transaction system of the cryptocurrency of claim 1, wherein the processing module immediately generates the electronic exchange transaction request when the deposit is the cryptocurrency after the verification is completed, so that the encryption The currency exchange server sells the cryptocurrency corresponding to the deposit to become the legal currency amount. According to the electronic transaction system of the cryptocurrency of claim 1, wherein the deposit is the legal currency amount, the processing is to convert the legal money amount into a credit value by a predetermined ratio as the stored value amount. . An electronic transaction system according to the cryptographic currency of claim 1, wherein the electronic exchange transaction request includes at least one transaction type, the transaction unit, and a public key. An electronic transaction method for cryptocurrency, which is applied to a network environment having a client, a financial server, at least one cryptocurrency server, a wallet service server and a shopping terminal, the steps comprising: the financial server Storing a reserve account comprising a legal currency amount, the legal currency amount being measured in units of one legal currency type; the wallet service server storing at least one wallet account, each wallet account being associated with a cryptocurrency Including a stored value amount; the wallet service server receives one or more verification parameters to verify a deposit, and processes the deposit to the corresponding wallet account after verification, and receives a user initiated request from the client, wherein The processing includes, when the deposit is the legal currency amount, the legal currency amount as the stored value amount, the user initiates requesting the transaction unit including the stored value of the wallet account; the wallet service server is based on The user initiates a request to immediately generate and transmit an electronic redemption transaction request to the encryption a currency exchange server; the cryptocurrency server converts the cryptocurrency into the legal currency amount for deposit into the reserve account when the electronic exchange transaction request is for sale, and when the electronic exchange transaction request is for purchase Deducting from the reserve account that the transaction unit purchases the cryptocurrency equal to the transaction unit and deposits the deposit as the deposit to the corresponding wallet account; the wallet service server deposits the cryptocurrency equal to the transaction unit to a shopping terminal performs a transaction, and deducts the stored value amount corresponding to the transaction unit in the corresponding wallet account; and the wallet service server deposits the legal money amount into the deposit when the deposit is the legal money amount Reserve account. An electronic transaction method for cryptocurrency according to claim 6 wherein the deposit is from a cryptographic currency address, and the verification parameter verifies that the deposit comprises a verification-encrypted signature for a cryptocurrency network A corresponding public key associated with the cryptocurrency address. According to the electronic transaction method of the cryptocurrency of claim 6, wherein the method further comprises: after the verification of the wallet service server is completed, when the deposit is the cryptocurrency, the electronic exchange transaction request is immediately generated, so that the The cryptocurrency server sells the cryptocurrency corresponding to the deposit as a step in the legal currency. According to the electronic transaction method of the cryptocurrency of claim 6, wherein the deposit is the legal currency amount, the processing is to convert the legal money amount into a credit value by a predetermined ratio as the stored value amount. . The electronic transaction method of the cryptographic currency according to claim 6 of the patent application, wherein the electronic exchange transaction request includes at least one transaction type, the transaction unit, and a public key.