TWI676943B - Electronic trading system for cryptocurrency and method thereof - Google Patents

Abstract

An electronic transaction system for cryptocurrency and a method thereof, by receiving a user-initiated request from a client to exchange between cryptocurrency and fiat currency, and converting the fiat currency into a stored value amount in a wallet account in order to use the stored value amount Exchange cryptocurrencies for shopping, and deposit fiat currency into the reserve account of the financial server to achieve the technical effect of improving transaction security and convenience on the premise of protecting the purchasing power of customers.

Description

Electronic transaction system of 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 of cryptocurrency that provides a security mechanism to protect the value of electronic transactions.

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

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

First, the present invention discloses an electronic transaction system for cryptocurrency. The system includes a client, a financial server, a cryptocurrency exchange server, a wallet service server, and a shopping terminal. among them, The client is used to generate and send user-initiated requests; the financial server is used to store reserve accounts, and the reserve account contains fiat money payments, which are measured in units of fiat money types; the cryptocurrency exchange server is used to exchange transactions electronically When the request is for sale, convert the cryptocurrency into fiat money to deposit into the reserve account, and when the electronic exchange transaction request is for purchase, deduct the trading unit from the reserve account to purchase cryptocurrency equal to this trading unit and deposit it as a deposit to The corresponding wallet account.

As for the wallet service server, it includes: a wallet database, a processing module, a transaction module, and a financial module. The wallet database is used to store wallet accounts, and each wallet account is associated with cryptocurrency and contains stored value; the processing module is used to receive verification parameters to verify the deposit, and after verification, the deposit is processed to the corresponding Wallet accounts, and receiving user-initiated requests from clients, where the processing includes using fiat currency payments as stored value when the deposit is a fiat currency payment, and the user initiates a request to include a transaction unit specifying the stored value amount; According to the request initiated by the user, an electronic exchange transaction request is immediately generated and transmitted to the cryptocurrency exchange server, and the cryptocurrency purchased equal to the transaction unit is deposited into the shopping end for transactions, and the corresponding wallet account is deducted equal to The amount of stored value of this transaction unit, where the shopping end is used to complete the transaction after the shopping end confirms that a cryptocurrency equal to the transaction unit has been successfully deposited; the financial module is used when the deposit is the legal currency payment, Deposit this fiat money into the reserve account.

In addition, the present invention discloses an electronic transaction method of cryptocurrency, which is applied to a network environment having a client, a financial server, a cryptocurrency exchange server, a wallet service server, and a shopping end. The steps include: storing a reserve in a financial server Account, this reserve account contains fiat currency payments, which are measured in units of fiat currency type; store wallet accounts on the wallet service server, each wallet account is associated with a cryptocurrency and contains a stored value amount; the wallet service server Receive verification parameters to verify the deposit, and process this deposit to the corresponding wallet account after verification, and from The client receives a user-initiated request, where the processing includes when the deposit is a fiat currency payment, the fiat currency payment is used as the stored value amount, and the user initiated request includes the transaction unit of the specified stored value amount; the wallet service server initiates the request according to the user Generate and send an electronic exchange transaction request to the cryptocurrency exchange server immediately; when the electronic exchange transaction request is for sale, the cryptocurrency exchange server converts the cryptocurrency into fiat money for deposit into a reserve account, and When the electronic exchange transaction request is a purchase, the transaction unit purchases a cryptocurrency equal to the transaction unit from the reserve account and deposits it into the corresponding wallet account as the deposit; the wallet service server will purchase The cryptocurrency of the trading unit is deposited to the shopping end for trading, and the corresponding wallet account is deducted from the amount of the stored value of the trading unit, wherein after the shopping end confirms that the cryptocurrency equal to the trading unit is successfully deposited, all the The shopping end is used to complete the transaction; the wallet service server When a given currency payments to the lawful currency to deposit in the reserve account.

The system and method disclosed in the present invention are as described above. The difference from the prior art is that the present invention receives a user-initiated request from a client to exchange between cryptocurrency and fiat currency, and converts fiat currency into storage in a wallet account. Value amounts to exchange stored value amounts for cryptocurrency for purchases and to store fiat money in a reserve account on a financial server.

Through the above-mentioned technical means, the present invention can achieve the technical effect of improving transaction security and convenience on the premise of protecting the purchasing power of customers.

100‧‧‧client

110‧‧‧Financial Server

120‧‧‧crypto currency exchange server

130‧‧‧Wallet Service Server

131‧‧‧Wallet database

132‧‧‧Processing Module

133‧‧‧Transaction Module

134‧‧‧Finance Module

140‧‧‧shopping

150‧‧‧Internet

300‧‧‧ Computing Device

310‧‧‧ processor

320‧‧‧Memory

330‧‧‧ interconnected

340‧‧‧Network Interface Card

350‧‧‧Storage Interface Card

370‧‧‧Code

Step 210‧‧‧ stores a reserve account in the financial server, the reserve account contains a fiat currency payment, and the fiat currency payment is measured in a fiat currency type unit

Step 220‧‧‧ Store at least one wallet account on the wallet service server, each wallet account is associated with a cryptocurrency and contains a stored value amount

Step 230‧‧‧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 fiat currency amount, the fiat currency amount is used as the stored value amount, and the user initiates a request for the transaction unit containing the stored value amount of the wallet account

Step 235‧‧‧ When the deposit is the cryptocurrency, an electronic exchange transaction request is immediately generated, so that the cryptocurrency exchange server sells the cryptocurrency corresponding to the deposit into the legal currency payment

Step 240‧‧‧ The wallet service server immediately generates and sends an electronic exchange transaction request to the cryptocurrency exchange server according to the request initiated by the user

In step 250‧‧‧, the cryptocurrency exchange server converts the cryptocurrency into the fiat currency when the electronic exchange transaction request is for sale, and when the electronic exchange transaction request is a purchase, The reserve account is deducted from the transaction unit to purchase the cryptocurrency equal to the transaction unit and deposited as the deposit into the corresponding wallet account

Step 260‧‧‧ The wallet service server deposits the cryptocurrency purchased equal to the transaction unit to a shopping terminal for transaction, and deducts the stored value equal to the transaction unit from the corresponding wallet account

Step 270‧‧‧ The wallet service server deposits the legal currency payment into the reserve account when the deposit is the legal currency payment

FIG. 1 is a system block diagram of an electronic transaction system for cryptocurrency of the present invention.

FIG. 2A to FIG. 2C are method flowcharts of the electronic transaction method of the cryptocurrency of the present invention.

Figure 3 is a schematic diagram of the application of the present invention to exchange cryptocurrencies and fiat currencies.

FIG. 4 is a schematic diagram of shopping using the present invention.

FIG. 5 is a schematic diagram of applying the present invention to transfer fiat money into a reserve account.

FIG. 6 is a schematic diagram representing a computing device or server according to the present invention according to various embodiments.

In the following, the embodiments of the present invention will be described in detail with reference to the drawings and examples, so as to fully understand and implement the implementation process of how the present invention applies technical means to solve technical problems and achieve technical effects.

Before explaining the electronic transaction system and method of cryptocurrency disclosed in the present invention, the environment in which the present invention is applied will be described. The present invention is applied to a client having a client, a financial server, a cryptocurrency exchange server, and a wallet service server. In the network environment of the mobile device and the shopping end, the wallet service server receives the request from the client (such as: mobile device), and the user can perform the operation of the electronic transaction of cryptocurrency through the mobile application (Mobile Application, App). In order to exchange cryptocurrencies and fiat currencies from the cryptocurrency exchange server, deposit fiat currencies into the account of the financial server, and even use credit values corresponding to cryptocurrencies for shopping.

"Currency" refers to money, which can be recycled as a transaction medium representing quantitative values. "Fiat currency" means money derived from government regulations or laws. "Digital currency" means a transaction medium created and stored electronically. "Cryptocurrency" is a type of digital currency, such as Bitcoin, which refers to a digital transaction medium that uses encryption technology for security and to prevent counterfeiting and / or fraud. Cryptocurrencies can exist in a decentralized manner on a network of computing devices that maintain digital bank accounts, such as in the form of a blockchain. The blockchain is a public account that is shared in the cryptocurrency network, All financial transactions confirmed using cryptocurrencies are included in the blockchain. The integrity and time sequence of the blockchain will be encrypted. Financial transactions can occur between cryptocurrency wallets. When financial transactions begin, they spread through the cryptocurrency network and eventually merge into a block of the blockchain through the miner entity in the cryptocurrency network.

"Hot wallet" or "hot wallet service" here refers to the implementation of digital currency wallets, which can be accessed through the Internet and provide users with a portal to start financial transactions in the digital currency economy . For example, cryptocurrency-related services and transactions that can be instantly spent or withdrawn can be said to be paid by a hot wallet service. The hot wallet service can be implemented through one or more computer servers storing one or more private keys, which can authorize financial transactions to a cryptocurrency network.

"Mining" refers to a decentralized consensus system in the cryptocurrency network, which is used to confirm waiting transactions to include them in the blockchain. The mining process protects the neutrality of the cryptocurrency network in chronological order in the blockchain and allows different computers to agree on the state of the cryptocurrency system. The transaction to be confirmed and / or verified must be encapsulated in a block and verified through the cryptocurrency network with suitable strict password rules. These rules prevent previous blocks from being modified, as doing so will make all subsequent blocks complete. invalid. Mining has also established an equivalent lottery to prevent any individual from simply adding new contiguous blocks to the blockchain or replacing part of the blockchain to return their own expenses. "Miner" refers to an entity that participates in mining activities, which attempts to solve the computational challenge requirements through encryption to generate a new block.

The electronic trading system and method of the cryptocurrency of the present invention will be further described below with reference to the drawings. Please refer to "Figure 1" first. "Figure 1" is a system block diagram of the electronic trading system of the cryptocurrency of the present invention. : Client 100, financial server 110, cryptocurrency exchange server 120, wallet service server 130, and shopping terminal 140. The client 100 may have a network connection. Functional mobile devices, such as portable devices such as smartphones, tablets, laptops, personal digital assistants. The client 100 can communicate with the wallet service server 130 through a network 150. The network 150 includes a wired network and a wireless network.

The financial server 110 is used for storing a reserve account, and the reserve account contains fiat currency payments, and the fiat currency payments are measured in units of the fiat currency type. In other words, the financial server 110 is a server located on the financial operator's end, and the reserve account can be regarded as a financial account (such as a trust account) generated by the provider providing the wallet service server 130 to open an account on the financial operator's end to store legal Currency payments, such as: New Taiwan Dollar, US Dollar, Euro, etc.

The cryptocurrency exchange server 120 is configured to convert cryptocurrency into fiat money to be deposited into a 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 to purchase. The cryptocurrency of this trading unit. In actual implementation, the wallet service server 130 can split an electronic exchange transaction request into multiple electronic exchange transaction requests for transmission to different cryptocurrency exchange servers 120 for transactions, thereby obtaining the best 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, points, or credit value. In actual implementation, each wallet account has a set of cryptocurrency addresses. Taking Bitcoin as an example, the cryptocurrency address is as follows: "1BnRZk6sbniEGRjGyKQSKFhVhMxGVS6jt4". Its bank card-like card number is used to deposit and Basis for export. In actual implementation, the wallet account stored in the wallet database 131 can also contain transaction records and configuration files, and even multiple wallet databases 131 can be used to store these data respectively.

The processing module 132 is used to receive the verification parameters to verify the deposit, and to process the deposit to the corresponding wallet account after the verification, and to receive the user-initiated request from the client 100, wherein the processing includes when the deposit is a legal currency payment , The fiat currency amount is used as the stored value amount of the wallet account. In actual implementation, the stored value amount may be a value converted into a predetermined proportion in addition to a value proportional to the fiat currency amount, and may also be a credit converted by a predetermined proportion. Value, the user initiates a request for a transaction unit that contains the stored value of the wallet account. Assuming that "50" credit values are to be used for shopping, the transaction unit is the value "50". In practice, the deposits can include fiat currency deposits (also known as fiat currency payments) and cryptocurrency deposits. Assuming fiat currency deposits, the relevant information such as account number, transaction serial number, verification code can be considered as Verify parameters to verify deposits; assuming a cryptocurrency deposit, this deposit will come from a cryptocurrency address. At this time, verifying this deposit with verification parameters includes verifying a cryptographic signature, and is designed to be associated with a cryptocurrency address in a cryptocurrency network. Since the corresponding public key of the receiving public authentication parameter is used to verify the deposit for both fiat currency and cryptocurrency itself, it is a known verification mechanism, so it will not be repeated here. After the credit value converted through the predetermined ratio is used as the stored value of the wallet account, the equivalent stored value is deducted when purchasing cryptocurrency. The predetermined ratio may be "1: 1", "1: 2", "1: 3", and so on. In terms of "1: 1", that is, a unit of legal currency deposits is converted into one Credit value.

The transaction module 133 is configured to immediately generate and send an electronic exchange transaction request to the cryptocurrency exchange server 120 according to the user-initiated request received by the processing module 132, and deposit the cryptocurrency purchased to the transaction unit to the shopping end. 140 makes a transaction and deducts a corresponding amount of the stored value of the transaction unit from the corresponding wallet account. In actual implementation, the transaction unit represents a quantity designated by the user, and the electronic exchange transaction request includes at least a transaction type (such as: purchase or sale), a transaction unit, and a public key. In particular, during the transaction process, the shopping end 140 does not need to communicate with the wallet. The service server 130 confirms whether the transaction is completed, and only needs to confirm whether the cryptocurrency is successfully deposited. In addition, when the deposit is a cryptocurrency, the transaction module 133 can immediately generate an electronic exchange 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. Cryptocurrencies become fiat money payments.

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

Next, please refer to "Figure 2A" to "Figure 2C", "Figure 2A" to "Figure 2C" are electronic transaction methods of the cryptocurrency of the present invention, and are applied to a client 100, a financial server 110, and encryption. The network environment of the currency exchange server 120, the wallet service server 130, and the shopping end 140 includes the steps of: storing a reserve account in the financial server 110, where the reserve account contains fiat currency payments, and the fiat currency payments are in fiat currency type. Unit measurement (step 210); wallet accounts are stored in the wallet service server 130, each wallet account is associated with a cryptocurrency and contains 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 "Figure 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 when the deposit is a fiat currency payment, the fiat currency payment is used as the stored value amount, and the user initiated the request to include the wallet The transaction unit of the user's stored value (step 230); the wallet service server 130 immediately generates and sends an electronic exchange transaction request to the cryptocurrency exchange server 120 (step 240) according to the user-initiated request; the cryptocurrency exchange server 120 When an electronic redemption transaction request is for sale, Convert the cryptocurrency into fiat currency to deposit into the reserve account, and when the electronic exchange transaction request is a purchase, deduct the trading unit from the reserve account to purchase the cryptocurrency equal to this trading unit and deposit it into the corresponding wallet account as a deposit (step 250); the wallet service server 130 deposits the cryptocurrency purchased equal to the transaction unit into the shopping terminal 140 for transactions, and deducts the corresponding stored account amount equal to the stored value of the transaction unit from the corresponding wallet account (step 260); the wallet service When the deposit is a legal currency payment, the server 130 deposits the legal currency payment into a reserve account (step 270). Through the above steps, you can receive a user-initiated request from the client to exchange between cryptocurrency and fiat currency, and convert the fiat currency into the stored value amount in the wallet account, so that the stored value amount can be used to exchange cryptocurrency for Make purchases, and store fiat money in a reserve account on a financial server.

As shown in "Figure 2C", after step 230, when the deposit is a cryptocurrency, an electronic exchange transaction request can be generated immediately, so that the cryptocurrency exchange server 120 can sell the cryptocurrency corresponding to the deposit as legal. A monetary payment (step 235). In other words, when a cryptocurrency is deposited into a wallet account, this cryptocurrency is immediately sold for conversion into fiat money. In actual implementation, the user can also choose whether to generate an electronic exchange transaction request immediately, and the legal currency money converted into it can also be converted into a stored value amount, and the stored value amount of the corresponding wallet account is updated accordingly.

The following description will be given in an embodiment in conjunction with "Figure 3" to "Figure 6". Please refer to "Figure 3" first. "Figure 3" is a schematic diagram of the application of the present invention to exchange cryptocurrencies and fiat currencies. Taking bitcoin as an example, the cryptocurrency exchange server 120 can be regarded as a bitcoin exchange, providing exchange processing between fiat currency and cryptocurrency. Generally speaking, different cryptocurrency 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 broken into multiple requests for transmission to different ones. The cryptocurrency exchange server 120 in order to obtain the best exchange rate.

As shown in "Figure 4", "Figure 4" is a schematic diagram of shopping using the present invention. When a user wants to make a purchase, the client 100 sends a user-initiated request generated according to the user ’s shopping behavior to immediately generate an electronic exchange transaction request, and sends it to the cryptocurrency exchange server 120 to purchase 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 of the transaction unit corresponding to the user's wallet account. In actual implementation, before generating an electronic exchange transaction request based on a user-initiated request, the transaction module 133 will first determine whether the transaction unit included in the user-initiated request does not exceed the stored value of the corresponding wallet account, and only when it does not exceed A corresponding electronic exchange transaction request is generated, and the electronic exchange transaction request is transmitted to the cryptocurrency exchange server 120 for exchange processing. For example, suppose that when shopping, the transaction unit in the user-initiated request is "200" and the stored value of the wallet account is "500". Because the value of the transaction unit does not exceed the stored value of the wallet account, the transaction mode The group 133 will generate a corresponding electronic exchange transaction request and send it to the cryptocurrency exchange server 120 to purchase cryptocurrency equal to this transaction unit, and then deposit this cryptocurrency to the shopping terminal 140 for transactions, and in the corresponding wallet account The deduction is equal to the stored value of this transaction unit. At this time, the stored value in the wallet account is "300".

As shown in "Figure 5", "Figure 5" is a schematic diagram of remittance of fiat money into a reserve account using the present invention. As mentioned earlier, when the financial module 134 deposits money in legal tender, the money in legal tender is deposited into a reserve account. In actual implementation, the deposit reserve account is realized through the network of financial institutions, that is, the general financial remittance processing. Since the processing of financial remittances is a known technology, it will not be repeated here.

As shown in "Figure 6", "Figure 6" is a schematic diagram representing a computing device or server according to the present invention according to various embodiments. In actual implementation, the computing device 300 may represent the Computer or server. In various embodiments, the computing device 300 may be one or more computing devices in a system implementing "Fig. 1". The computing device 300 can implement the methods and processes described in the present invention (for example, the "method of Fig. 2"). The computing device 300 includes one or more processors 310 and a memory (such as a memory 320) that are interconnected 330 with a physical bus. The interconnection 330 described in "FIG. 6" is an abstract concept, which means that an appropriate bridge, interface card, or controller is connected by any one or more separate physical buses, point-to-point connections, or both. Therefore, the interconnection 330 may include, for example, a system bus, a Peripheral Component Interconnect (PCI) bus, a PCI-Express bus, a 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 so as to control the overall operation of the computing device 300. In some embodiments, the processor 310 is configured to execute 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. Circuits (ASICs), Programmable Logic Devices (PLDs), Trusted Platform Modules (TPMs) or their analogs or combinations of these devices.

The memory 320 is or is included in a 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, according to the mesh connection system described in the text, the memory 320 may contain a code 370 containing instructions.

The processors 310 interconnected through the interconnection 330 are 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. For example, it can be a network-based Ethernet card or a Fibre Channel interface card. The network interface card 340 may 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 the 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 may be implemented as software and / or firmware to cause the processor 310 to perform the above-mentioned actions. In some embodiments, such software or firmware may initially provide the computing device 300 for downloading from a remote system (eg, via a network interface card 340).

The techniques used to achieve this can be achieved, for example, by programming programmable circuits (for example, one or more microprocessors) or completely dedicated hardware circuits, or a combination of these, in software or firmware. Dedicated hardware circuits can be one or more ASICs, PLDs, field programmable logic gate arrays (FPGAs), and so on.

The technology or software used in the implementation may be stored on a machine-readable storage medium and may be 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 can be, for example: computers, network devices, cellular telephones, 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 with specific software and / or hardware, dedicated hardware circuits, or a combination thereof.

In summary, it can be seen that the difference between the present invention and the prior art lies in receiving a user-initiated request from the client to exchange cryptocurrencies and fiat currencies, and converting fiat currencies into the stored value amount in the wallet account, In order to use the stored value to exchange cryptocurrencies for shopping, and to store fiat money in the reserve account of the financial server, this technology can solve the problems existing in the prior technology, and achieve the premise of protecting the purchasing power of customers. Technical effects to improve transaction security and convenience.

Although the present invention is disclosed in the foregoing embodiments as above, it is not intended to limit the present invention. Any person skilled in similar arts can make some modifications and retouches without departing from the spirit and scope of the present invention. The scope of patent protection shall be determined by the scope of the patent application attached to this specification.

Claims (10)

An electronic transaction system for cryptocurrencies, the system includes: a client for generating and transmitting a user-initiated request; a financial server for storing a reserve account, the reserve account containing a fiat currency amount, the fiat currency The amount of money is measured in a unit of fiat currency; at least one cryptocurrency exchange server is used to convert a cryptocurrency into the fiat currency for deposit into the reserve account when an electronic exchange transaction request is sold; and When the electronic exchange transaction request is for purchase, a transaction unit is deducted from the reserve account to purchase the cryptocurrency equal to the transaction unit and deposited as a deposit in a corresponding wallet account; and a wallet service server, the wallet service server The device includes: a wallet database for storing the wallet account, each wallet account being associated with the cryptocurrency and containing a stored value amount; a processing module for receiving one or more verification parameters to verify the Deposit and process the deposit to the corresponding wallet account after verification and receive the deposit from the client The user initiates a request, wherein the processing includes when the deposit is the fiat currency payment, using the fiat currency payment as the stored value amount, the user initiated the request including the transaction unit specifying the stored value amount; a transaction module, According to the request initiated by the user, the electronic exchange transaction request is immediately generated and transmitted to the cryptocurrency exchange server, and the cryptocurrency purchased equal to the transaction unit is deposited into a shopping terminal for transaction, and the corresponding The wallet account is deducted equal to the stored value of the transaction unit, wherein the shopping end is used to complete the transaction after the shopping end confirms that the cryptocurrency equal to the transaction unit is successfully deposited; and a financial module is used to When the deposit is the legal currency amount, the legal currency amount is deposited into the reserve account. According to the cryptocurrency electronic transaction system according to item 1 of the patent application scope, wherein the deposit comes from a cryptocurrency address, verifying the deposit with the verification parameters includes verifying a cryptographic signature, and is aimed at communicating with the cryptocurrency network in a cryptocurrency network. A corresponding public key associated with the cryptocurrency address. According to the cryptocurrency electronic transaction system according to item 1 of the scope of patent application, wherein after the processing module is verified, when the deposit is the cryptocurrency, the transaction module immediately generates the electronic exchange transaction request to enable the encryption The currency exchange server sells the cryptocurrency corresponding to the deposit as the fiat currency payment. According to the electronic transaction system of cryptocurrency according to item 1 of the scope of patent application, wherein when the deposit is the legal currency amount, the processing is to convert the legal currency amount to a credit value at a predetermined ratio as the stored value amount . According to the cryptocurrency electronic transaction system according to the first patent application scope, the electronic exchange transaction request includes at least a transaction type, the transaction unit, and a public key. An electronic transaction method for a cryptocurrency is applied to a network environment having a client, a financial server, at least one cryptocurrency exchange server, a wallet service server, and a shopping end. The steps include: the financial server A reserve account is stored, the reserve account contains a fiat currency payment, the fiat currency payment is measured in a unit of a fiat currency type; at least one wallet account is stored in the wallet service server, each wallet account is associated with a cryptocurrency and Contains a stored value amount; the wallet service server receives one or more verification parameters to verify a deposit, processes the deposit to the corresponding wallet account after verification, and receives a user-initiated request from the client, where The processing includes when the deposit is the fiat currency amount, using the fiat currency amount as the stored value amount, the user initiated the request including a transaction unit specifying the stored value amount; the wallet service server initiates the request according to the user Generate and send an electronic exchange transaction request to the cryptocurrency exchange server immediately ; Said cryptocurrency exchange server converts the cryptocurrency into the fiat currency to deposit into the reserve account when the electronic exchange transaction request is for sale, and from the reserve when the electronic exchange transaction request is for purchase The account deducts the transaction unit to purchase the cryptocurrency equal to the transaction unit and deposits it into the corresponding wallet account as the deposit; the wallet service server deposits the cryptocurrency equal to the transaction unit to a shopping end Transaction, and deducting the stored value equal to the transaction unit from the corresponding wallet account, wherein the shopping end is used to complete the transaction after the shopping end confirms that the cryptocurrency equal to the transaction unit was successfully deposited; and The wallet service server deposits the fiat currency payment into the reserve account when the deposit is the fiat currency payment. According to the cryptocurrency electronic transaction method according to item 6 of the patent application scope, wherein the deposit comes from a cryptocurrency address, verifying the deposit with the verification parameters includes verifying a cryptographic signature, and is aimed at communicating with the cryptocurrency network in a A corresponding public key associated with the cryptocurrency address. The electronic transaction method of cryptocurrency according to item 6 of the patent application scope, wherein the method further comprises, after the wallet service server is verified, when the deposit is the cryptocurrency, the electronic exchange transaction request is generated immediately, so that A step in which the cryptocurrency exchange server sells the cryptocurrency corresponding to the deposit into the fiat currency payment. The electronic transaction method of cryptocurrency according to item 6 of the scope of patent application, wherein when the deposit is the fiat currency payment, the processing is to convert the fiat currency payment to a credit value at a predetermined ratio as the stored value amount . According to the cryptocurrency electronic transaction method according to item 6 of the patent application scope, the electronic exchange transaction request includes at least a transaction type, the transaction unit, and a public key.