TWM565363U - Blockchain-based virtual currency integration system - Google Patents

Abstract

A blockchain-based virtual currency integration system, including a server and a user terminal. The server obtains a private key for a blockchain address of a blockchain, and generates authentication data according to received registration data. The user terminal is connected to the server via a network. The user terminal transmits the registration data to the server and receives the authentication data from the server in response to transmitting the registration data, wherein the user terminal uses the authentication data to transact the virtual currency stored in the blockchain address through the server.

Description

Blockchain-based virtual currency integration system

This new creation is about the management of virtual currency, and especially about a virtual currency integration system based on blockchain.

In order to encourage customers to use the financial services provided by banks, it is a common promotion method in the industry to give back to the corresponding virtual currency (for example, bonus points) based on the financial services used by customers. Taking the credit card business as an example, when the customer swipes the card, the issuing bank can return the virtual currency to the customer according to the amount of the card swiped. Taking the network automatic teller machine (WebATM) as an example, when a customer conducts a transaction through a network automatic teller machine, the bank can return different proportions of virtual currency according to the type of business (for example, cross-bank deposit) performed by the customer at the automatic teller machine. . However, the current virtual currency mechanism has many problems. For example, the virtual currencies provided by different financial services are often independent of each other, and the virtual currency of the A business cannot be converted into the virtual currency of the B business. When dividends are spread across multiple businesses, customers need to log in to multiple different business platforms to query virtual currency. In this way, it causes inconvenience to customers.

In addition, the circulation and use of virtual currency is also greatly limited. For example, a virtual currency such as a bonus point may have a lifespan and customers cannot trade virtual currency with each other. Based on this, customers often cannot effectively accumulate virtual currency within the time limit. On the other hand, since the virtual currency may be restricted to only the merchandise for a particular merchant, the customer may deposit the virtual currency to expire due to the inability to trade the virtual currency.

Based on the above, a method for effectively utilizing the virtual currency feedback mechanism is proposed, which is one of the important goals in the field.

The novel creation provides a blockchain-based virtual currency integration system, including a server and a user terminal. The server obtains the private key of the blockchain address of the blockchain, and generates authentication data according to the received registration data. The user terminal is connected to the server via a network. The user terminal sends the registration data to the server, and receives the authentication data from the server in response to sending the registration data, wherein the user terminal uses the authentication data to transaction the virtual currency stored in the blockchain address through the server.

Based on the above, the virtual currency integration system created by the novel can improve the security of storing virtual currency. The use of blockchain technology facilitates the management of virtual currency issued by each institution autonomously. In addition, the virtual currency integration system also provides trading services. Different customers can trade virtual currency with each other, so that the feedback provided by banks (or other types of institutions) can be effectively utilized. Merchants joining the virtual currency integration system can sell merchandise that is priced in virtual currency, providing a diverse consumer pipeline for virtual currency. Therefore, this new creation helps to use virtual currency to promote the use of services provided by banks (or other types of institutions).

The above described features and advantages of the present invention will become more apparent and understood from the following description.

The term "server" or "user terminal" in this novel creation may refer to various embodiments, which may include, but are not limited to, a mobile station, an advanced mobile station (AMS), a client. End, desktop computer, notebook computer, network computer, workstation, personal digital assistant (PDA), personal computer (PC), telephone device, etc., but this new creation is not limited to this.

1 is a schematic diagram of a blockchain-based virtual currency integration system 10 in accordance with an embodiment of the present invention. The virtual currency circulating between the blockchain 130 and the virtual currency integration system 10 may have cryptocurrency. The nature of its protection. The virtual currency integration system 10 can include a server 110 and one or more user terminals 120. In some embodiments, virtual currency integration system 10 may also include a server 140 that is separate from server 110.

The server 110 may have a processing unit (for example, a processor but is not limited thereto), a communication unit (such as various types of communication chips, a Bluetooth chip, a WiFi chip, etc. but not limited thereto) and a storage unit (eg, removable random storage) It is necessary to run the server 110, such as a memory, a flash memory, a hard disk, etc., but is not limited thereto. As the primary manager of the virtual currency, the server 110 has access to the blockchain 130 and the authority and functionality to generate virtual currency in the blockchain 130. In addition to transactions that can manage virtual currency, the server 110 can also generate virtual currency for rebating customers based on the type of service provided by the bank. In the novel creation, the server 110 may be affiliated with a bank or other organization having a virtual currency demand, and the novel creation is not limited thereto. The following embodiments will refer to the "branch" to the organization to which the server 110 belongs.

The user terminal 120 may have a processing unit (for example, a processor but is not limited thereto), a communication unit (such as various types of communication chips, a Bluetooth chip, a WiFi chip, etc. but not limited thereto) and a storage unit (eg, mobile random) A necessary component of the user terminal 120 such as a memory, a flash memory, a hard disk, or the like is not limited thereto. The user of the user terminal 120 may be a client of a bank to which the server 110 belongs (for example, a general public or a merchant), and the user may trade the virtual currency managed by the server 110 through the user terminal 120. In some embodiments, the virtual currency may be a bonus point issued by a bank (or other type of institution).

The blockchain 130 is constructed using a blockchain technique and belongs to a decentralized database. In the novel creation, blockchain 130 may be a public blockchain (either directly accessed/maintained by node devices belonging to different organizations (eg, server 110 and server 140) or a separate blockchain (only It can be directly accessed/maintained by the server 110 or other node devices belonging to the bank to which the server 110 belongs. The blockchain 130 can include a block 131 and one or more blocks 13n. The data in the blockchain 130 is distributed and stored in each node device, and the data is accessed, maintained, and verified by each node device (for example, the server 110 or the server 140 shown in FIG. 1). The virtual currency integration system 10 created by the novel uses the blockchain technology to maintain the transaction of the virtual currency not only to improve the security of the transaction, but also to bring flexibility to the expansion of the virtual currency integration system 10. When there are other institutions (for example, a sub-organization belonging to the same financial group as the bank to which the server 110 belongs, or another institution that has a cooperative relationship with the bank) also wants to provide the same virtual currency service to the customer, the institution may The direct access (e.g., through the server 140 shown in Figure 1) to the block in the blockchain 130 (e.g., block 131 or block 13n) allows the organization to manage its own client's virtual currency.

In some embodiments, server 140 may also manage the virtual currency of its customers in an indirect manner. For example, if the server 140 does not have the right to directly access the blockchain 130, the server 140 may request the server 110 to manage the virtual currency of the client through the authority of the server 110. The structure and function of the server 140 can be similar to the server 110, so the novel creation will not be described again.

2 is a flow chart of a method of integrating blockchain-based virtual currency in accordance with an embodiment of the present invention. The mechanism for virtual currency integration using the virtual currency integration system 10 will be described below with reference to FIG.

According to this embodiment, the server 110 is affiliated with a bank and the user terminal 120 is affiliated with a customer of the bank (e.g., a general public or a merchant). In order to increase the incentives for customers to use their financial services, banks may choose to issue virtual currency such as bonus points. When a customer uses the financial services provided by the bank, the bank can appropriately generate and reward the virtual currency to the customer according to the service it uses.

When a user wants to enable the virtual currency service, the user can apply to the bank through the user terminal 120. First, the user terminal 120 can connect to the server 110 via the network and send the registration data R to the server 110, as shown in step S201. The registration data R may include an identity card number to help the bank confirm the identity of the user and a set of passwords set by the user, but the novel creation is not limited thereto.

After the server 110 receives the registration data R sent from the user terminal 120, the server 110 may select a blockchain address of the block 131 from the blockchain 130 to store the user corresponding to the registered data R. Virtual currency. Specifically, the server 110 may select a block 131 from the blockchain 130 that is exclusive to the received registration data R (ie, the user dedicated to the user terminal 120) and pass through the block of the block 131. The chain address stores the virtual currency of the user. The server 110 may also obtain a private key for accessing the blockchain address, and generate the authentication data C according to the received registration data R, as shown in step S203.

Next, in step S205, the user terminal 120 receives the authentication material C from the server 140 in response to transmitting the registration data R to the server 140. In step S207, the user terminal 120 can use the authentication data C to trade the virtual currency stored in the blockchain address of the block 131 through the server 110. Specifically, in the novel creation, since the private key owner of the block 131 is the bank to which the server 140 belongs, the server 140 has the right to directly store the blockchain address of the block 131. When the user wants to perform the virtual currency transaction, the user can send the authentication data C and the virtual currency transaction request to the server 110 through the user terminal 120. The server 110 can identify the identity of the user based on the authentication data C. If the authentication material C is correct, the server 110 can use the blockchain address of the private key access block 131 and perform virtual currency transactions on the blockchain 130 in accordance with the transaction request from the user terminal 120. In some embodiments, when the user terminal 120 accesses the server 110 through the authentication data C, the server 110 may display the virtual currency balance in the block 131 or the transaction record of the corresponding block 131 for reference by the user.

The authentication material C is information for confirming the identity of the performer of the virtual currency transaction, which is provided by the server 110 to the user terminal 120. The authentication data C includes at least the password set by the user in the registration data R. In some embodiments, the authentication material C may also include a key to be stored in the user terminal 120. The key is a code that can be used to perform functions such as encryption, decryption or integrity verification, which can be used to encrypt and decrypt messages between the server 110 and the user terminal 120. When the server 110 provides the key to the user terminal 120, the server 110 itself also stores the same or corresponding key. When the user terminal 120 sends the authentication material C to the server 110, the user terminal 120 encrypts the authentication material C using the key. Then, after the server 110 receives the encrypted authentication data C from the user terminal 120, the server 110 can decrypt the encrypted authentication data C by using the key stored by itself, thereby obtaining the decrypted authentication data C. And identifying whether the identity of the user of the user terminal 120 conforms to the registration data R based on the decrypted authentication data C.

In some embodiments, the server 110 may generate virtual currency based on the transaction profile associated with the user's registration profile R and store the virtual currency to the blockchain address of the tile 131 belonging to the user. For example, when the user uses the financial service provided by the bank to which the server 110 belongs (for example, cash is collected across the bank at the bank's automated teller machine), the server 110 may decide to respond appropriately according to the service used by the user. The virtual currency is given to the user. The server 110 can directly access the blockchain address of the block 131 by the private key and transfer the virtual currency into it.

The server 110 can determine whether to open a virtual-to-consumer (C2C) virtual currency transaction between users according to requirements. When the transaction authority between the users is opened, each user can send a transaction request to the server 110 through the respective user terminal. After the server 110 approves the transaction, the server 110 can directly access the block addresses of the users to transfer or transfer to the virtual currency. In the course of the transaction, the server 110 may choose to deduct a portion of the virtual currency as a commission.

In some embodiments, the user can only perform virtual currency transactions with the agreed user. For example, in some cases, if the user is a company line number, the user's virtual currency must be approved by the bank before being tradable, and the bank can limit the amount of virtual currency that the user can trade. In this case, the user needs to first submit an application for the user to the bank to which the server 110 belongs. After the bank approves, the server 110 can associate the appointment user with the user's registration data R. Then, after the user sends a transaction request for the agreed user to the server 110 through the user terminal 120, the server 110 may agree to perform the transaction object described in the transaction request as the appointed user corresponding to the registration data R. The transaction of the virtual currency.

In some embodiments, virtual currency integration system 10 can provide a service that converts virtual currency to fiat currency. The user can send a request to the server 110 to convert the virtual currency into fiat money through the user terminal 120. The server 110 may convert some or all of the virtual currency in the block 131 belonging to the user into legal currency, and import the legal currency into the bank account of the user (for example, the bank account corresponding to the registration data R) ). The server 110 can also convert the virtual currency directly into cash for retrieval by the user, for example, through an automated teller machine.

In the novel creation, the virtual currency integration system 10 can also provide a payment service for merchants. The payment service can be divided into a centralized payment method or a consumer-to-business mode, but the creation of the novel is not limited thereto. When a merchant applies for a payment service, the merchant can send a request for application to the server 110 through the user terminal 120. The server 110 may generate a transaction address corresponding to the private key of the tile 131 of the merchant according to the request issued by the user terminal 120, and send the transaction address to the user terminal 120. When the merchant needs to collect money, the merchant can disclose the obtained transaction address to the consumer in the form of, for example, a two-dimensional barcode or a three-dimensional barcode. When a consumer purchases a merchandise from a merchant, the consumer can directly transfer their virtual currency to the transaction address provided by the merchant.

More specifically, when the merchant selects a centralized payment method, the merchant can set up an online store in a website provided by the bank, and price the goods sold in the virtual currency issued by the bank. When a customer wants to purchase an item in an online store, the customer can transfer the virtual currency into a transaction address provided by the server 110 to the merchant. After the customer executes the above transaction, the bank to which the server 110 belongs will notify the merchant to ship. In the part of the payment, the bank clears the virtual currency according to the cycle agreed with the merchant, and periodically converts the virtual currency into legal currency and merges it into the bank account of the merchant. Before the agreed period has expired or the customer has not notified the transaction that the transaction has been completed, the virtual currency belonging to the merchant is in a state of storage, and the merchant cannot use it to protect the interests of the customer and the bank.

When a merchant selects a payment method for a consumer business model, the merchant can publish the product on its own website or other platforms, or advertise the product through an electronic channel. When a customer wants to purchase an item in an online store, the customer can transfer the virtual currency into a transaction address provided by the server 110 to the merchant. In the part of the payment, the bank clears the virtual currency according to the cycle agreed with the merchant, and periodically converts the virtual currency into legal currency and merges it into the bank account of the merchant.

In summary, the virtual currency integration system created by the novel can store the virtual currency of the customer in the blockchain, and the bank manages the blockchain in a unified manner, thereby improving the security of storing the virtual currency. If there are different institutions (for example, sub-institutions with the same financial group as the bank) want to join the virtual currency integration system, the blockchain technology can be used to facilitate the management of virtual currency issued by each institution. In addition, the virtual currency integration system also provides trading services. Different customers can trade virtual currency with each other, so that the feedback provided by banks (or other types of institutions) can be effectively utilized. Merchants who join the virtual currency integration system can sell items that are priced in virtual currency and convert the resulting virtual currency into legal tender. In this way, diversified consumer channels can be provided for virtual currency, which can help promote financial services provided by banks (or other types of institutions).

Although the present invention has been disclosed in the above embodiments, it is not intended to limit the novel creation, and any person skilled in the art can make some changes without departing from the spirit and scope of the novel creation. Retouching, the scope of protection of this new creation is subject to the definition of the scope of the patent application attached.

10‧‧‧Virtual currency integration system
110, 140‧‧‧ server
120‧‧‧User terminal
130‧‧‧ Blockchain
131, 13n‧‧‧ blocks
C‧‧‧Certificate Information
R‧‧‧Registration Information
S201, S203, S205, S207‧‧ steps

1 is a schematic diagram of a blockchain-based virtual currency integration system in accordance with an embodiment of the present invention. 2 is a flow chart of a method of integrating blockchain-based virtual currency in accordance with an embodiment of the present invention.

Claims (8)

A blockchain-based virtual currency integration system, comprising: a server, obtaining a private key of a blockchain address of the blockchain, and generating authentication data according to the received registration data; and a user terminal, through the network Connected to the server, the user terminal sends the registration data to the server, and receives the authentication data from the server in response to transmitting the registration data, wherein the user terminal utilizes the authentication data to transmit the server The transaction stores the virtual currency stored in the blockchain address. The virtual currency integration system of claim 1, wherein the server generates the virtual currency based on transaction data associated with the registration data, and stores the virtual currency to the blockchain address. The virtual currency integration system of claim 2, wherein the virtual currency is a bonus point. The virtual currency integration system of claim 1, wherein the user terminal uses the authentication data to exchange the virtual currency stored in the blockchain address by the server, and further includes: the server Receiving the authentication material from the user terminal, and the server uses the private key to perform the transaction of the virtual currency based on the authentication material being correct. The virtual currency integration system of claim 1, wherein the user terminal uses the authentication data to exchange the virtual currency stored in the blockchain address by the server, and further includes: the server The transaction object based on the virtual currency agrees to conduct the transaction of the virtual currency for the agreed user corresponding to the registration material. The virtual currency integration system of claim 1, wherein the server converts the virtual currency into a legal currency corresponding to the registration data according to a request issued by the user terminal. The virtual currency integration system of claim 1, wherein the server generates a transaction address corresponding to the private key according to the request sent by the user terminal, and sends the transaction address to the user terminal. . The virtual currency integration system of claim 1, wherein the blockchain can be a public blockchain or a separate blockchain.