TW202004632A - Legal currency wallet and a cryptocurrency wallet service integration platform - Google Patents

Abstract

A legal currency wallet and a cryptocurrency wallet service integration platform with an Identity verification module, a trading request receiving module, wallet module, and a trade module, and a distributed ledger module is disclosed. The trading request receiving module receives a trading request. The wallet module has a legal currency wallet and a cryptocurrency wallet. The trade module uses the legal currency wallet or the cryptocurrency wallet to trade with a to-trade end according to the trading request. The distributed ledger module records every trade record happened between the cryptocurrency wallet and the to-trade end.

Description

Virtual currency and fiat currency service integration platform

The invention relates to a virtual currency and fiat currency service integration platform, in particular to a virtual currency and fiat currency service integration platform integrating fiat currency transactions and cryptocurrency transactions.

In recent years, with the development of science and technology, the provision of financial services and transaction methods have also become more convenient and rapid. However, in the existing financial service system, there has not been a financial service system that simultaneously integrates fiat currencies with cryptocurrencies. Cryptocurrencies are being received more and more, so it is necessary to provide a service system that integrates fiat currencies and cryptocurrencies to improve the convenience of use and solve the problems in the existing technology.

The main purpose of the present invention is to provide a virtual currency and fiat currency service integration platform integrating fiat currency transactions and cryptocurrency transactions.

Another main objective of the present invention is to provide a virtual currency and fiat currency service integration platform that further integrates point exchange transactions.

In order to achieve the above purpose, the virtual currency and fiat currency service integration platform of the present invention receives the transaction request sent by the user device, and completes a transaction service between the user device and the transaction terminal according to the transaction request. The financial service integration system includes an identity verification module, a transaction request receiving module, a wallet management module, a transaction module, and a distributed ledger module. The identity verification module verifies the identity of the user of the user device. The transaction request receiving module receives the transaction request. The wallet management module includes fiat currency wallet and cryptocurrency wallet. The signal of the transaction module is connected to the wallet management module and the transaction terminal. The transaction module uses the legal currency wallet or the cryptocurrency wallet to perform transaction services with the transaction terminal and generates transaction records corresponding to the transaction service according to the transaction request. The distributed ledger module signal connects to the transaction module, where the distributed ledger module records each transaction record of the transaction service using the cryptocurrency wallet.

With the integrated platform of virtual currency and fiat currency services of the present invention, users can freely choose fiat currency or cryptocurrency to trade with a desired transaction terminal, and according to a specific embodiment of the present invention, the virtual currency and fiat currency services of the present invention The integration platform can further integrate the point information belonging to the same user, so that the user can use the point information to conduct a point exchange transaction with the terminal to be traded, thereby providing users with convenient and complete financial transaction services.

In order to enable your reviewing committee to better understand the technical content of the present invention, the preferred specific embodiments are described below. Hereinafter, please refer to FIGS. 1 to 4 for a schematic diagram of the hardware architecture and usage environment of the virtual currency and fiat currency service integration platform of the present invention, a schematic diagram of an embodiment of a service click interface, and a hardware block diagram.

As shown in FIG. 1, the virtual currency and fiat currency service integration platform 1 of the present invention receives a transaction request 101 sent by a user device 100, and completes the transaction between the user device 100 and the transaction terminal 200 according to the transaction request 101. Trading services. According to a specific embodiment of the present invention, according to different transaction requests, the virtual currency and fiat currency service integration platform 1 of the present invention has access to the transaction terminal 200, the third-party blockchain network 300, the credit source provider 400, and/or Or the financial server is connected by internet signal in order to complete the corresponding transaction service.

According to a specific embodiment of the present invention, the user device 100 may be a personal computer, a notebook computer, a mobile device (such as a mobile phone or a tablet) electronic device. The transaction terminal 200 may be an individual, a physical store, an online store, a convenience store, or the like. The transaction service referred to in the present invention may include legal currency transaction service, encrypted currency transaction service, point exchange transaction service and other services, but the invention is not limited to this. The financial server may be a bank's management server, and the point source 400 may be a bank's customer management center, a shopping mall's member center, an online game point management center, etc.

As shown in FIG. 1, in this embodiment, the virtual currency and fiat currency service integration platform 1 of the present invention includes an identity verification module 10, a transaction request receiving module 20, a wallet management module 30, a transaction module 40, and decentralization Type ledger module 50. The identity verification module 10 verifies the identity of a user 120 of the user device 100. According to a specific embodiment of the present invention, the identity verification module 10 may be a biometric identification device built in the user device 100, such as : Fingerprint recognition device, voiceprint recognition device, or face recognition device, or, the identity verification module 10 may require the user 120 to enter a preset password or answer a specific question, and verify the user by checking the password and answering the question Whether 120 is a qualified user. If the user 120 cannot pass the verification of the identity verification module 10, the user 120 cannot use the services provided by the virtual currency and fiat currency service integration platform 1 of the present invention.

As shown in FIGS. 1 and 2, the transaction request receiving module 20 is electrically connected to the identity verification module 10. When the identity verification module 10 verifies the identity of the user 120, the transaction request receiving module 20 can receive The user 120 uses the transaction request 101 sent by the user device 100. According to a specific embodiment of the present invention, as shown in FIG. 3, the transaction request receiving module 20 may display a point selection interface 201 on the display screen of the user device 100 for the user 120 to select the transaction request 101, 101a to be used , 101b.

As shown in FIGS. 1 and 2, the wallet management module 30 includes a fiat currency wallet 31 and an encrypted currency wallet 32. In this embodiment, the fiat currency wallet 31 includes a fiat currency stored value 311 and a fiat currency transaction record module 312, wherein the transaction module 40 uses the fiat currency stored value 311 and the transaction terminal 200 to perform transaction services, for example The user 120 may use a credit card to store a certain amount of legal currency stored value 311 in advance, and the transaction module 40 uses the legal currency stored value 311 to conduct a transaction.

The cryptocurrency wallet 32 includes a blockchain wallet data exchange interface 321, an exchange rate calculation module 322, and an exchange record module 323, wherein the exchange rate calculation module 322 calculates the exchange rate of a cryptocurrency exchanged from a cryptocurrency to a legal currency Or exchange fiat currency to one of fiat currencies, fiat currency exchange rate, exchange record module 323 records the exchange of cryptocurrencies to fiat currencies, and exchange record module 323 can also record fiat currencies to fiat currencies. One of the encrypted currencies is the fiat currency exchange record, and the distributed ledger module 50 records the aforementioned cryptocurrency exchange record and fiat currency exchange record. It should be noted here that legal currency refers to the currency issued by the government, such as: New Taiwan dollar or US dollar, and cryptocurrency refers to a virtual currency, such as: Bitcoin or Ethereum.

The signal of the transaction module 40 connects the wallet management module 30 and the transaction terminal 200, and the transaction module 40 uses the legal currency wallet 31 or the cryptocurrency wallet 32 to perform transaction services with the transaction terminal 200 according to the transaction request 101 and generates corresponding transaction services. A transaction record 41. The decentralized ledger module 50 is connected to the transaction module 30 through signals, wherein the decentralized ledger module 50 records each transaction record 41a of the transaction service using the cryptocurrency wallet 22.

Here is an example to illustrate the operation of the cryptocurrency wallet 32 in the virtual currency and fiat currency service integration platform 1, as shown in FIGS. 1 to 3, assuming that the user 120 is preparing to use 5 bitcoin in the online bookstore ) Purchase a complete set of Harry Potter. At this time, the user 120 first passes the fingerprint authentication of the identity verification module 10, and then selects the encrypted currency transaction (transaction request 101a) on the click interface 201, and the transaction request receiving module 20 Receive cryptocurrency transactions (transaction request 101a).

At this time, the transaction module 40 initiates the transaction between the cryptocurrency wallet 32 and the online bookstore (to be traded 200) according to the cryptocurrency transaction (transaction request 101a), and stores the transaction records 41a corresponding to the transaction service in the decentralized In the ledger module 50, a transaction ledger block is formed. In this embodiment, the transaction record 41a may include the number of cryptocurrencies in the cryptocurrency wallet 32 before the user 120 performs the transaction, the amount of the transaction (5 BTC), and the cryptocurrency in the cryptocurrency wallet 32 after the transaction The balance, the address information of the online bookstore (200 to be traded), the transaction date and other information.

According to a specific embodiment of the present invention, in this embodiment, the blockchain wallet data exchange interface 321 is an application programming interface (API), and the transaction module 40 can further communicate with third parties through the blockchain wallet data exchange interface 321 Blockchain network 300 signal connection to obtain the cryptocurrency account information in the third-party blockchain network 300 and one of the cryptocurrency wallet 32 holders (users 120), and can transfer the transaction ledger block to the third party Blockchain network 300. Alternatively, the transaction module 40 also stores the aforementioned encrypted currency account information in the aforementioned transaction ledger block, so that the distributed ledger module 50 maintains and manages the user 120’s integration of the platform 1 using virtual currency and fiat currency services All transactions performed by the cryptocurrency wallet 32.

Here is an example to illustrate the operation mode of the fiat currency wallet 31 in the virtual currency and fiat currency service integration platform 1. As shown in FIGS. 1 to 3, according to an embodiment of the present invention, the user 120 can pre-use the credit card in TWD The legal currency stored value of 5,000 yuan is 1,000 points, and the stored value is 311. The user 120 wants to buy a complete set of Harry Potter at the online bookstore (for the transaction terminal 200), and this book is worth 500 points. At this time, the user 120 first passes the fingerprint authentication of the identity verification module 10, and then selects the fiat currency transaction (transaction request 101) on the click interface 201, and the fiat currency transaction (transaction request 101) is received by the transaction request receiving module 20.

At this time, the transaction module 40 activates the fiat currency wallet 31 according to the fiat currency transaction (transaction request 101) and conducts a transaction with the online bookstore (desired transaction terminal 200) using the fixed currency stored value amount 311, and will conduct a transaction corresponding to the service The record 41 is stored in the fiat currency transaction record module 312. In this embodiment, the transaction record 41 may include the amount of legal currency stored value 311 in the legal currency wallet 31 before the user 120 conducts the transaction, the amount of the transaction, the balance of the amount of legal currency stored value 311 after the transaction, the net Information such as the name of the road bookstore (200 to be traded), the transaction amount (500 points), and the transaction date.

As shown in FIGS. 1, 3, and 4, the transaction request 101 of the virtual currency and fiat currency service integration platform 1 of the present invention further includes a point exchange request 101b, and the wallet management module 30 further includes a point management module 33. The point management module 33 receives a point message 401 provided by the point source 400 and belongs to the user 120 for the transaction module 40 and the transaction terminal 200 to perform a point exchange transaction and form a point exchange transaction record. The credit information 401 includes credit card credit information, game credit information, community credit information, shopping credit information, membership card credits, mileage credit information, or welfare credit credit information .

Here is an example to illustrate the operation mode of the credit management module 33 in the virtual currency and fiat currency service integration platform 1, as shown in FIGS. 1, 3, and 4, assume that the user 120 is preparing to use a bank to issue credit card bonus points 10,000 points for a merchandise pickup voucher for a department store. At this time, the user 120 first passes the fingerprint authentication of the identity verification module 10, and then selects the point exchange transaction on the click interface 201 (transaction request 101b), and the transaction request The receiving module 20 receives a point exchange transaction (transaction request 101b). At this time, the transaction module 40 activates the point management module 33 according to the point exchange transaction (transaction request 101b), and a bank customer management center (point source 400) provides bonus point information belonging to the user 120 ( Credit information 401, such as: user 120 has a total of 100,000 credit card bonus points) deduct 10,000 points to complete the service of redeeming a merchandise pickup voucher of a department store in the electronic ticket center, and will correspond to the service The transaction record 41b is stored in the distributed ledger module 50 to form a transaction ledger block. In this embodiment, the transaction record 41b may include the specific point information 401 (the amount of credit card bonus points issued by a bank) before the user 120 performs the point exchange transaction, the amount of the point exchange (the amount issued by a bank) Credit card bonus points (10000 points), transaction date and other information.

It should be noted that the above modules can be configured as hardware devices, software programs, firmware, or combinations thereof, and can also be configured by circuit loops or other suitable types; and, each module can be configured in a separate type. , Can also be combined with the type configuration. A preferred embodiment is that each module is a software program stored in the memory, and a module (not shown) in the virtual currency and fiat currency service integration platform 1 executes each module to achieve the function of the invention . In addition, this embodiment only exemplifies the preferred embodiment of the present invention. In order to avoid redundancy, all possible combinations of changes are not described in detail. However, those of ordinary skill in the art should understand that the above modules or components are not necessarily necessary. In order to implement the present invention, other conventional modules or components in more detail may also be included. Each module or component may be omitted or modified as needed, and there may not be other modules or components between any two modules.

With the virtual currency and fiat currency service integration platform 1 of the present invention, the user 120 can freely select the fiat currency wallet 31 or the cryptocurrency wallet 32 to transact with a transaction terminal 200, and according to a specific embodiment of the present invention, the present invention The virtual currency and fiat currency service integration platform 1 can further integrate the point information 401 belonging to the same user 120 for the user 120 to use the point information 401 and the transaction terminal 200 to perform a point exchange transaction, thereby User 120 provides convenient and complete financial transaction services.

It should be noted that the above-mentioned embodiments are only examples for convenience of description, and the scope of rights claimed by the present invention should be based on the scope of the patent application, not limited to the above-mentioned embodiments.

1‧‧‧ Virtual currency and fiat currency service integration platform 10‧‧‧ Identity Verification Module 20‧‧‧Transaction request receiving module 30‧‧‧ Wallet Management Module 31‧‧‧ fiat currency wallet 311‧‧‧Fat currency stored value 312‧‧‧ fiat currency transaction record module 32‧‧‧Cryptocurrency Wallet 321‧‧‧ Blockchain wallet data exchange interface 322‧‧‧ Exchange rate calculation module 323‧‧‧ Exchange Record Module 40‧‧‧Transaction Module 50‧‧‧Decentralized ledger module 100‧‧‧User device 101, 101a, 101b ‧‧‧ transaction request 200‧‧‧Want to trade 300‧‧‧third-party blockchain network 400‧‧‧Point source 401‧‧‧point information 41, 41a, 41b ‧‧‧ transaction records 120‧‧‧User 33‧‧‧point management module 201‧‧‧Click interface

FIG. 1 is a schematic diagram of the hardware architecture and usage environment of the virtual currency and fiat currency service integration platform of the present invention. 2 is one of the hardware block diagrams of the virtual currency and fiat currency service integration platform of the present invention. FIG. 3 is a schematic diagram of an embodiment of a service click interface. 4 is the second hardware block diagram of the virtual currency and fiat currency service integration platform of the present invention.

1‧‧‧ Virtual currency and fiat currency service integration platform

10‧‧‧ Identity Verification Module

20‧‧‧Transaction request receiving module

30‧‧‧ Wallet Management Module

31‧‧‧ fiat currency wallet

311‧‧‧Fat currency stored value

312‧‧‧ fiat currency transaction record module

32‧‧‧Cryptocurrency Wallet

321‧‧‧ Blockchain wallet data exchange interface

322‧‧‧ Exchange rate calculation module

323‧‧‧ Exchange Record Module

40‧‧‧Transaction Module

50‧‧‧Decentralized ledger module

100‧‧‧User device

200‧‧‧Want to trade

400‧‧‧Point source

401‧‧‧point information

120‧‧‧User

33‧‧‧point management module

101‧‧‧Transaction request

Claims (10)

A virtual currency and fiat currency service integration platform for receiving a transaction request sent by a user device, and completing a transaction service between the user device and a client to be traded according to the transaction request, the financial service The integrated system includes: an identity verification module to verify the identity of a user of the user device; a transaction request receiving module to receive the transaction request; a wallet management module to connect the transaction request with a signal Receiving module, the wallet management module includes a fiat currency wallet and a cryptocurrency wallet; a transaction module, the signal connects the wallet management module and the terminal to be traded, the transaction module uses the fiat currency according to the transaction request The wallet or the cryptocurrency wallet performs the transaction service with the transaction terminal and generates a transaction record corresponding to the transaction service; and a decentralized ledger module, the signal is connected to the transaction module, wherein the decentralized ledger module The group records each transaction record of the transaction service using the cryptocurrency wallet. As described in the patent application scope item 1, the virtual currency and fiat currency service integration platform, the cryptocurrency wallet includes a blockchain wallet data exchange interface, wherein the transaction module uses the blockchain wallet data exchange interface and A third-party blockchain network signal connects to obtain cryptocurrency account information in the third-party blockchain network and one of the cryptocurrency wallet holders. As described in the first patent application, the virtual currency and fiat currency service integration platform, the cryptocurrency wallet includes an exchange rate calculation module, wherein the exchange rate calculation module calculates to convert a cryptocurrency into one of fiat currencies The exchange rate of the cryptocurrency exchange rate, or the exchange rate calculation module calculates the exchange rate of the fiat currency exchange rate for converting a fiat currency to a cryptocurrency. As described in the patent application, the virtual currency and fiat currency service integration platform, the cryptocurrency wallet includes an exchange record module, wherein the exchange record module records the exchange of the cryptocurrency into one of the fiat currencies An exchange record, and the exchange record module record records a legal currency exchange record for converting the fiat currency to the encrypted currency, and the decentralized ledger module records the currency exchange record and the fiat currency exchange record. As described in the patent application, the virtual currency and fiat currency service integration platform, the transaction request includes a point exchange request, the wallet management module includes a point management module, the point management module receives the point The source provider provides one point message belonging to the user for the transaction module to perform a point exchange transaction with the terminal to be traded and form a point exchange transaction record. For the virtual currency and fiat currency service integration platform described in item 5 of the patent application scope, the point exchange transaction includes the exchange of the point information into an electronic ticket and/or the use of the point information with the transaction end The transaction service. As described in item 6 of the patent scope, the virtual currency and fiat currency service integration platform, the credit information includes a credit card credit information, a game credit information, a community credit information, a shopping credit information, a Membership card points, one mile point information, or one benefit point information. The virtual currency and fiat currency service integration platform as described in item 7 of the patent application scope, wherein the decentralized ledger module records the points exchange transaction record. According to the virtual currency and fiat currency service integration platform described in item 1 of the patent scope, the fiat currency wallet includes a fiat currency stored value, and the transaction module uses the fiat currency stored value and the transaction terminal to conduct the transaction Trading services. If the virtual currency and fiat currency service integration platform described in item 9 of the patent scope is included, the fiat currency wallet includes a fiat currency transaction record module, and the fiat currency transaction record module records the transaction using the fiat currency stored value amount The transaction record of the service.

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