WO2020091101A1 - Procédé permettant de commander un rapport de réserve de cryptomonnaie à base de chaîne de blocs, et serveur et programme permettant la mise en œuvre de ce procédé - Google Patents

Procédé permettant de commander un rapport de réserve de cryptomonnaie à base de chaîne de blocs, et serveur et programme permettant la mise en œuvre de ce procédé Download PDF

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Publication number
WO2020091101A1
WO2020091101A1 PCT/KR2018/013048 KR2018013048W WO2020091101A1 WO 2020091101 A1 WO2020091101 A1 WO 2020091101A1 KR 2018013048 W KR2018013048 W KR 2018013048W WO 2020091101 A1 WO2020091101 A1 WO 2020091101A1
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Prior art keywords
cryptocurrency
payment
reserve
blockchain
information
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PCT/KR2018/013048
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English (en)
Korean (ko)
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심재웅
문영일
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(주)디지털골드익스체인지
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Priority claimed from KR1020180130713A external-priority patent/KR20200048536A/ko
Priority claimed from KR1020180130703A external-priority patent/KR20200048526A/ko
Priority claimed from KR1020180130708A external-priority patent/KR20200048531A/ko
Publication of WO2020091101A1 publication Critical patent/WO2020091101A1/fr

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G06Q20/3676—Balancing accounts
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/381—Currency conversion
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/403—Solvency checks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/50—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols using hash chains, e.g. blockchains or hash trees
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q2220/00—Business processing using cryptography

Definitions

  • the present invention relates to a method for controlling a payment preparation rate of a blockchain-based cryptocurrency, and to a server for controlling the payment preparation rate of a cryptocurrency and a program applied thereto.
  • digital coins that can be paid for in kind are Litecoin, Darkcoin, Namecoin, Doggycoin, Ripple, etc.
  • the common characteristics of these are traders using digital cryptocurrency including Bitcoin.
  • the book of the transaction details thus traded is stored in the electronic wallet, and the book is sequentially connected according to block and hash conversion in a certain unit, and can be shared on the blockchain network in a form that can be verified by hash comparison.
  • Bitcoin, Litecoin, Darkcoin, Namecoin, Doggycoin, Ripple, etc. can be exemplified as such cryptocurrency.
  • one transaction book can be shared through nodes connected to the network, and the transaction book can be preserved by a blockchain that is verified and formed by an unspecified number of nodes. Since such a transaction ledger is continuously shared and verified and shared by all node terminals connected to the network, forgery and alteration of the transaction ledger is prevented by a majority of nodes that want to maintain the transaction system.
  • a cryptocurrency formed by a blockchain network is secured in a specific fiat currency or other cryptocurrency, and as a result, a stable coin in which the value becomes the same as the fiat currency ( STABLE COIN) method is also proposed.
  • the method according to an embodiment of the present invention for solving the above-described problems is a method for controlling the payment preparation rate of cryptocurrency exchangeable for real economic value including goods or services, and the market capitalization information of the first cryptocurrency Obtaining a; Obtaining information about payment reserves prepared in advance for payment of real economic value exchangeable in a second cryptocurrency; And determining whether to process the sale of the internal holding amount in the issued first cryptocurrency, based on at least one of the obtained market capitalization information of the first cryptocurrency and the reserve amount information of the second cryptocurrency.
  • the second cryptocurrency is convertible from the first cryptocurrency and is issued under conditions that can be incinerated by payment of the real economic value.
  • the method according to the embodiment of the present invention as described above may be implemented as a program for executing the method in a computer and a recording medium in which the program is recorded.
  • the server according to the embodiment of the present invention may perform a method for controlling the payment preparation rate of the blockchain-based cryptocurrency as described above.
  • the blockchain-based cryptocurrency payment preparation rate control system for solving the above-described problems acquires market capitalization information of the first cryptocurrency and can exchange real economic value with the second cryptocurrency
  • An information acquisition unit for acquiring information on payment reserves prepared in advance for payment of the payment;
  • a transaction determination unit for determining whether to process the sale of the internal holding amount in the issued first cryptocurrency, based on at least one of the obtained market capitalization information of the first cryptocurrency and the reserve amount information of the second cryptocurrency.
  • the second cryptocurrency is convertible from the first cryptocurrency, and is issued on a condition that can be incinerated by payment of the real economic value.
  • issuing a first cryptocurrency that is issued and distributed based on a distributed transaction issuing a second cryptocurrency that can be switched according to the actual economic value conversion ratio corresponding to the first cryptocurrency
  • the second cryptocurrency is processed to be issued in a condition that can be incinerated by a value payment process corresponding to the real economic value according to a process for preparing the payment of the real economic value, thereby stabilizing the value of the cryptocurrency itself by the real economic value
  • the sale, purchase, loan for the internal or central bank reserve of the first cryptocurrency By controlling to determine the provision of collateral, etc., cryptocurrency linked to real economic value is operated stably.
  • FIG 1 and 2 are block diagrams showing the configuration of an entire system according to an embodiment of the present invention.
  • FIG. 3 is a block diagram showing the configuration of a service providing apparatus according to an embodiment of the present invention.
  • FIG. 4 is a block diagram showing the configuration of a service processing unit included in a service providing device.
  • FIG. 5 is a block diagram showing the configuration of a system for determining the amount of issuance of a blockchain-based cryptocurrency according to an embodiment of the present invention.
  • FIG. 6 is a flowchart illustrating a method for determining a possible amount of issuance of a blockchain-based cryptocurrency according to an embodiment of the present invention.
  • FIG. 7 is a view for explaining an embodiment of a method for calculating a possible amount of issuance of cryptocurrency.
  • FIG. 8 is a view for explaining an embodiment of a method for setting a payment preparation rate.
  • FIG. 9 is a block diagram showing the configuration of a system for controlling payment preparation rate of a blockchain-based cryptocurrency according to an embodiment of the present invention.
  • 11 is a view for explaining embodiments of a method for determining whether to sell or buy cryptocurrency.
  • FIG. 12 is a block diagram showing the configuration of a system for controlling payment preparation rate of a blockchain-based cryptocurrency according to another embodiment of the present invention.
  • FIG. 13 is a flowchart illustrating a method for controlling a payment preparation rate of a blockchain-based cryptocurrency according to another embodiment of the present invention.
  • DSP digital signal processor
  • the cryptocurrency transaction system may be configured as a blockchain mesh network formed by one or more trader terminals 10 connected by wire or wirelessly through a network. have.
  • the terminals described herein may include mobile phones, smart phones, laptop computers, digital broadcasting terminals, PDAs (Personal Digital Assistants), PMPs (Portable Multimedia Players), navigation, server devices, and the like.
  • PDAs Personal Digital Assistants
  • PMPs Portable Multimedia Players
  • the present invention is not limited to this, and may be various devices capable of user input and information display.
  • each trader terminal can register the account information according to their node access to the transaction book data shared in a cloud manner through the network. And, when a transaction of cryptocurrency is required, each trader terminal can propagate the transaction information to be recorded in the transaction book data to each trader terminal.
  • each trader terminal can use a smart contract (SMART CONTRACT) pre-shared on the blockchain network by processing such that a specific transaction system process cannot be forged / modulated based on the transaction book data provided as described above.
  • SMART CONTRACT SMART CONTRACT
  • Such a smart contract may include a blockchain-based transaction system process such that post-forgery / falsification is not possible, and cryptocurrency-specific attributes, issuance conditions, transaction conditions, incineration conditions, and authority setting information for each trader.
  • the security stability of this blockchain can be formed by the system participation of sharers who share data. Accordingly, a block of transaction information including a history of sharing and issue / transaction history of sharing between each sharer terminal connected to the blockchain network can be sequentially stored, and hash values for preventing forgery are sequentially blockchained Transaction verification (work proof) processing to be performed may be distributed in each trader terminal.
  • each processing unit and modules of the system according to an embodiment of the present invention may be implemented as a DECENTRALIZED APPLICATION based on a smart contract, using the blockchain network configured as such as the main net. Can be.
  • the exchange service providing apparatus 100 constituting this, the issuance, transaction, conversion and management of the second cryptocurrency based on the main net-based first cryptocurrency and the real value, and other cryptocurrencies previously issued on the main net basis
  • An inter-trade service and a cross-currency transaction service can be provided, and further, a real value exchange and incineration process of real-value-linked second cryptocurrency is provided, which will be described later in more detail.
  • the exchange system includes an exchange service providing apparatus 100 and a trader terminal 300 based on a blockchain network, and the exchange service providing apparatus 100 is prepared for payment It is connected to the adjustment module 400, the financial server 500, and the real value providing device 200 to provide an exchange processing and transaction service according to an embodiment of the present invention.
  • the exchange service providing apparatus 100 may issue the first cryptocurrency that is issued and distributed based on the distributed transaction, and the issued first cryptocurrency data may be distributed to the trader terminal 300.
  • the trader terminal 300 purchases / sells the first cryptocurrency in another legal or cryptocurrency, or through the exchange service providing device 100, the second according to the ratio of real economic value conversion corresponding to the first cryptocurrency You can request to convert cryptocurrency.
  • the exchange service providing apparatus 100 may issue the second cryptocurrency according to the request to switch to the second cryptocurrency and pay it to the trader terminal 300.
  • the second cryptocurrency may be processed to be issued in a condition that can be incinerated by a value payment process corresponding to the real economic value, according to a process for preparing the actual economic value.
  • the actual economic value represents the value of actual goods and services
  • the trader terminal 300 can transmit a value payment request corresponding to the second cryptocurrency to the exchange service providing apparatus 100, and exchanges when a value payment request is received
  • the service providing device 100 transmits the request data corresponding to the value payment to the real value providing device 200, so that the real value providing device 200 is a user of the trader terminal 300 with the actual goods or services according to the quantity.
  • the payment process can be controlled so that it can be paid to.
  • the second cryptocurrency may be determined in quantity and issuance according to the value of the actual goods or services, and the exchange service providing apparatus 100 may process the payment preparation process for issuance in advance, and the user At any point in time, the second cryptocurrency can be converted into goods or services as real economic values. Accordingly, the converted second cryptocurrency can be incinerated.
  • the exchange service providing apparatus 100 may perform conversion processing to the second cryptocurrency corresponding to the first cryptocurrency exchange rate according to the gold price information.
  • the exchange service providing device 100 delivers a gold purchase request in a quantity corresponding to the second cryptocurrency to the real value providing device 200, or requests delivery of gold according to a gold exchange gift certificate already purchased according to a payment preparation process May be delivered to the real value providing device 200, or a delivery request for the physical gold already purchased and stored according to the payment preparation process may be delivered to the real value providing device 200.
  • the trader terminal 300 holds the second cryptocurrency based on the distributed transaction book that can be exchanged for gold at any time, even if the gold is not directly held, more efficient asset management may be possible.
  • the object of real value can be modified in various ways.
  • the second cryptocurrency is precious metals (silver copper diamonds), asset goods (gift certificates, luxury goods, antiques, etc.), and asset services (plastic surgery) Volume, massage, education, etc.), and accordingly, the real value providing apparatus 200 may perform individual provisioning processing according to the form and attribute of each real value.
  • the payment preparation rate adjustment module 400 the conversion of the first cryptocurrency to the second cryptocurrency issued and distributed by the exchange service providing apparatus 100, and the process of converting the actual value of the second cryptocurrency accordingly It is possible to set the payment reserve ratio to be maintained, and accordingly, as the payment reserve ratio is maintained, it is possible to perform analysis and adjustment processing of cryptocurrency distribution volume and payment reserve to maintain the stability of the trading platform and the system.
  • the payment preparation rate adjustment module 400 may determine whether or not payment preparation is necessary based on the predictive model, or may conditionally determine a policy process corresponding to the payment preparation need, and the financial server 500 according to the appropriate policy decision and execution by situation The financing process of the furnace can be further performed.
  • the first cryptocurrency can be issued and distributed stably, it can be converted into the second cryptocurrency linked to the real value quote, and the second cryptocurrency can be converted and paid to the real value when necessary. It is possible to block the cryptocurrency issuance, management, and trading platform that can bring together the value stabilization of the cryptocurrency itself by real economic value, the creation of value by transaction, and the usability improvement in real economic life. It can be provided through network-based distributed processing.
  • FIG. 3 is a block diagram showing a configuration of a service providing apparatus according to an embodiment of the present invention
  • FIG. 4 is a block diagram showing a configuration of a service processing unit included in a service providing apparatus.
  • the service processing unit 110 includes a first cryptocurrency management unit 111, a second cryptocurrency management unit 112, a currency conversion processing unit 113, a payment preparation unit 114, and a real value exchange processing unit 115 ), An incineration processing unit 116, a legal currency transaction service unit 117, and a cryptocurrency transaction service unit 118.
  • the communication unit 120 may include one or more modules that enable communication between the terminal 100 and the blockchain network.
  • the communication unit 120 may include a mobile communication module, a wireless Internet module, a short-range communication module, or a wired communication module.
  • the user input unit 140 may receive interface input information for service provision and management of the exchange service providing apparatus 100 and perform exchange service processing.
  • the control unit 130 controls the overall operation of the apparatus 100 for providing an exchange service, and may provide storage and processing of distributed transaction information received from a blockchain network.
  • control unit 130 may provide the processing of the requested transaction information to the blockchain network, and further, through the exchange service processing unit 110, the above-mentioned cryptocurrency issuance, transaction, currency conversion, real value exchange, Processing such as incineration can be processed based on a blockchain network.
  • control unit 130 may share the cryptocurrency transaction information according to the above-described exchange service processing on the blockchain network, and according to the approval result corresponding thereto, the cryptocurrency transaction information may be updated in the transaction book data.
  • the process for the cryptocurrency processing of the exchange service processing unit 110 may be pre-registered in the form of a code such as a smart contract in the transaction book data shared on the blockchain network, and thus forgery and alteration can be prevented. Can be.
  • the first cryptocurrency management unit 111 performs the management of the amount of storage according to the issuance and transaction service of the first cryptocurrency.
  • the internal holding amount it is the amount required for the payment preparation ratio control management of the payment preparation unit 114, for example, it can be delivered and managed to a central bank account having a separate storage authority.
  • the amount of distribution distributed to the trader terminal 300 it may be subject to the sale or purchase process by the legal currency transaction service unit 117 and the cryptocurrency transaction service unit 118. The trader may usually be able to process the purchase / sale of external distribution.
  • the legal currency transaction service unit 117 and the cryptocurrency transaction service unit 118 are capable of processing the transaction service of the first cryptocurrency corresponding to the legal currency or other cryptocurrency, respectively, and each transaction service unit 117 , 118) may allow the market price to determine the transaction price between the first cryptocurrency and the first cryptocurrency and other cryptocurrency, respectively, and purchase / sell or other cryptocurrency corresponding to the first cryptocurrency. It can provide currency exchange service.
  • the first cryptocurrency can be formed by the autonomous transaction between each seller and buyer in the exchange.
  • the transaction service units 117 and 118 directly exchange transaction services that exchange the first cryptocurrency held in the user's account for fiat currency or other cryptocurrency, or exchange the fiat currency or other cryptocurrency held for the first cryptocurrency. It can provide a transaction brokerage service that brokers transactions through other exchanges.
  • the value of the second cryptocurrency may be the same as the real economic value, and the volatility of the real value may be very low.
  • the second cryptocurrency may be gold, and the payment ratio of 1 g of gold per unit quantity of the second cryptocurrency may be 1: 1.
  • the transaction price of the first cryptocurrency can be changed in real time, and the exchange rate and the switchable quantity to the second cryptocurrency can be varied.
  • the second cryptocurrency since the second cryptocurrency maintains the same value according to the gold price, its volatility depends only on the change in the gold value, so it can have a stable form.
  • the first cryptocurrency may be converted into the second cryptocurrency according to a predetermined conversion amount and a conversion ratio.
  • the conversion ratio may be determined according to market price information of real value goods or services exchangeable in correspondence with the transaction price of the first cryptocurrency and the second cryptocurrency.
  • the first cryptocurrency can be converted into the second cryptocurrency by a predetermined amount.
  • the predetermined quantity may be determined according to the weight of gold that can be exchanged for the second cryptocurrency, and the quantity that can be converted to the second cryptocurrency among the first cryptocurrency may be different depending on the authority and level of the user requesting the conversion.
  • the exchange rate from the first cryptocurrency to the second cryptocurrency can be calculated by the price of the first cryptocurrency, the exchangeable gold weight, and the gold price, and the conversion amount of the second cryptocurrency according to the exchange is [the first cryptocurrency].
  • the second cryptocurrency conversion quantity per unit (the exchangeable gold weight) x (the highest market price per gold weight) / (the lowest transaction price of the first cryptocurrency per transaction unit)].
  • the second cryptocurrency management unit 112 performs processing for issuing and holding the second cryptocurrency.
  • the second cryptocurrency management unit 112 may calculate the amount of issuance according to the payment preparation information of the payment preparation unit 114.
  • the payment preparation information is payment reserve information, and may include information on the amount of gold that can be paid or cash information on which gold can be purchased, and the second cryptocurrency management unit 112 sets a certain amount of reserve based on the payment reserve. While maintaining, it is possible to calculate the amount of issuance as much as possible. For example, the amount of issuance may be adjusted such that the reserve for payment is maintained at a certain ratio to the market capitalization of the first cryptocurrency in circulation. Then, the second cryptocurrency management unit 112 may issue the second cryptocurrency that can be issued as a condition that can be incinerated by value payment or exchange processing corresponding to the real economic value.
  • the second cryptocurrency may be issued according to a request to convert the currency corresponding to the first cryptocurrency of the trader terminal 300.
  • the currency conversion processing unit 113 calculates a switchable amount according to the payment preparation information in advance, and determines the second switchable cryptocurrency amount among the first cryptocurrency, so that the second cryptocurrency management unit 112 and the trader terminal 300 ).
  • the second cryptocurrency management unit 112 may issue the second cryptocurrency in the amount determined by the currency conversion processing unit 113, and the issued second cryptocurrency may have the same payment value as the real value object. There will be.
  • the real value exchange processing unit 115 receives the request for payment or exchange of the second cryptocurrency from the trader terminal 300, the value providing device 200 for requesting a real value corresponding to the quantity corresponding thereto ).
  • the real value exchange processing unit 115 provides a value providing device 200 with delivery request information that allows gold or gold bars corresponding to the second cryptocurrency to be delivered to a registered destination for the trader terminal 300. Can be delivered to.
  • the real value exchange processing unit 115 may receive qualification information or personal identification information corresponding to the trader to be delivered from the trader terminal 300 in advance, and may be used for real value payment or exchange proof, but the present invention is limited to this. It is not.
  • the first cryptocurrency management unit 111 may perform conversion management processing to an internal reserve amount for the first cryptocurrency converted to the second cryptocurrency.
  • the internal holding amount is not the quantity that is circulated externally, but is used to adjust the calculation of the payment preparation rate in the payment preparation unit 114, so that the overall system and inflation stability can be promoted.
  • the cryptocurrency issuance and actual payment value Stability can be improved in terms of use for exchange and the like.
  • FIG. 5 is a block diagram showing the configuration of a system for determining the amount of issuance of a blockchain-based cryptocurrency according to an embodiment of the present invention
  • the illustrated system 500 includes an information acquisition unit 510 and an issue amount determination unit 520. , A control unit 530, a switchable amount determination unit 540, and a memory 550.
  • the cryptocurrency may be the second cryptocurrency described with reference to FIGS. 1 to 4, and the other cryptocurrency may be the first cryptocurrency described with reference to FIGS. 1 to 4.
  • the information acquisition unit 510 may communicate with the outside to receive the payment reserve information or market price information of real economic value, but the present invention is not limited thereto, and at least some of the information may be stored in the memory 550 It might be.
  • control unit 530 may read the payment reserve information stored in the memory 550 or the market price information of the actual economic value and transmit it to the information acquisition unit 510 or the issue amount determining unit 520.
  • control unit 530 serves to control overall operations of the system 500.
  • the issuable amount determining unit 520 calculates the issuable amount of cryptocurrency based on the payment reserve information obtained through the information acquisition unit 510 and the market price information of the actual economic value.
  • the issue amount determining unit 520 may calculate the amount of cryptocurrency that can be issued by dividing the current payment reserve by the current price of gold.
  • the convertible amount determining unit 540 determines the switchable amount for each trader according to the trader's rating or transaction performance within the issuable amount calculated through the issuable amount determining unit 520.
  • the amount of another cryptocurrency that the trader can convert to cryptocurrency can increase.
  • the reserve for payment is the sum of cash, real economic value, and cryptocurrency held in the system designated for the purpose of payment of real economic value, and if the cryptocurrency is linked to gold, the cash, gold and the corresponding amount held in the system It may be the sum of the values of cryptocurrency.
  • the payment reserve can be continuously adjusted to be maintained above the lower limit of the payment reserve for stable payment of real economic value exchangeable with cryptocurrency.
  • the cryptocurrency when the cryptocurrency is a second cryptocurrency as described with reference to FIGS. 1 to 4, is convertible from the first cryptocurrency, and is issued under conditions that can be incinerated by payment of real economic value.
  • the reserve for the payment of cryptocurrency may be adjusted based on the market capitalization of the first cryptocurrency and a preset payment preparation rate.
  • a payment preparation ratio (B / A) is defined according to a ratio between the market capitalization of the first cryptocurrency and the lower limit of the payment reserve, which means the minimum reserve to be secured.
  • the lower limit of the reserve for payment may also be increased by a predetermined reserve preparation rate (B / A).
  • the role of securing the cash and increasing the payment reserve to the upper limit of the payment reserve may be performed by the system.
  • the lower limit of the reserve for payment is also lowered, and the currently prepared payment reserve in the system may be higher than the lower limit of the reserve. It may be.
  • market price information for real economic value interlocked with cryptocurrency is obtained (step S610).
  • gold price information at the present time may be obtained, and the gold price information may be set as the highest price per 1 g of gold at the present time.
  • step S620 based on the payment reserve information and the market price information of the actual economic value, the amount of cryptocurrency issuance is calculated (step S620).
  • a difference between the current (T0) reserve reserve (C) and the lower reserve reserve (D) is calculated, and the calculated difference is divided by the market price of the actual economic value and can be additionally issued.
  • the amount of money can be calculated.
  • the second cryptocurrency when the second cryptocurrency is interlocked with gold and conversion from the first cryptocurrency is possible, it is determined by the payment reserve prepared in the system for payment of gold, and the market capitalization and payment preparation rate of the first cryptocurrency.
  • the difference amount (CD) between the lower reserve reserves can be calculated.
  • the amount of the second cryptocurrency that can be additionally issued can be calculated.
  • the amount of the switchable second cryptocurrency can be compared with the issuable amount calculated as above, and the comparison result Depending on the conversion request may be rejected.
  • the number (m) of the second cryptocurrency corresponding to the n first cryptocurrency is first calculated according to the conversion ratio. It may be confirmed whether the number of switchable second cryptocurrency (m) is less than or equal to the amount of second cryptocurrency that can be additionally issued.
  • the corresponding conversion request may be entirely rejected or limited to less than the amount that can be additionally issued.
  • the switchable amount for each trader is determined based on at least one of each trader's rating and transaction performance, even if the number of convertible second cryptocurrency (m) is less than or equal to the amount of the second cryptocurrency that can be additionally issued If the trader's convertible amount is exceeded, the request for conversion may be entirely rejected or limited to less than the convertible amount.
  • FIG. 8 is a view for explaining an embodiment of a method for setting a payment preparation rate.
  • the payment preparation rate for determining the payment reserve (or the lower limit of the payment reserve) relative to the market capitalization of the first cryptocurrency may have a predetermined range, and may be set to have a tendency to gradually decrease over time. Can be.
  • the payment preparation rate may be adjusted by the system so that the maximum value ⁇ of the payment preparation rate gradually decreases from 67% to 5%, which is the minimum value ⁇ .
  • the method for determining the amount of issuance of a blockchain-based cryptocurrency as described with reference to FIGS. 6 to 8 may be performed by a server operated by the person who issued the cryptocurrency.
  • FIG. 9 is a block diagram showing the configuration of a system for controlling the payment preparation rate of a blockchain-based cryptocurrency according to an embodiment of the present invention, and the illustrated system 500 includes an information acquisition unit 510 and an issue amount determination unit 520. , A control unit 530, a switchable amount determination unit 540, a memory 550, and a transaction determination unit 560.
  • the information acquisition unit 510 acquires market capitalization information of the first cryptocurrency, and acquires information about a payment reserve prepared in advance for payment of real economic value exchangeable for the second cryptocurrency.
  • the issued first cryptocurrency may consist of internal holdings, external distribution and central bank holdings, that is, some of the total issuance of the first cryptocurrency is a system using a wallet in the name of the company that issues or operates the cryptocurrency. It is maintained as the internal holding amount, and the other part is the external distribution amount that traders can sell or buy from each other through the exchange, and the rest may not be distributed unlike the internal holding amount or external distribution amount held by the central bank.
  • the market capitalization of the first cryptocurrency may be determined as the market price of the entire external circulation amount.
  • the payment reserve is the sum of the cash held in the system and the corresponding real economic value, which is designated for the purpose of payment of the real economic value, and when the second cryptocurrency is linked to gold, for example, the corresponding cryptocurrency It may be the sum of cash and gold held by the company issuing or operating to prepare for payment.
  • the information acquisition unit 510 may receive market capitalization information and payment reserve information of the first cryptocurrency from the outside, or may read information stored in the memory 550 through the control unit 530.
  • the transaction determination unit 560 is based on at least one of market capitalization information of the first cryptocurrency obtained through the information acquisition unit 510 and payment reserve information of the second cryptocurrency, based on the amount of internal storage in the first cryptocurrency. Decide whether to process the sale.
  • the payment preparation rate control system of the blockchain-based cryptocurrency as shown in FIG. 9 may perform at least some functions of the payment preparation rate adjustment module 400 as described with reference to FIGS. 1 to 4, and corresponding functions It may be implemented in the form of a server that includes.
  • step S1020 based on at least one of the obtained market capitalization information and payment reserve information of the first cryptocurrency, it is determined whether to process the sale of the internal holding amount in the first cryptocurrency issued.
  • the market capitalization of the first cryptocurrency increases rapidly above a reference value, it may be determined to sell some of the internal holdings of the first cryptocurrency.
  • a threshold decrease rate or a lower threshold value for the market capitalization of the first cryptocurrency may be preset and stored in the memory, and the market capitalization of the first cryptocurrency is periodically checked to determine the market price of the first cryptocurrency
  • the total reduction rate is higher than the preset threshold reduction rate or the market capitalization of the first cryptocurrency is lower than the preset lower limit threshold, it may be determined to purchase the first cryptocurrency from external traders through the exchange.
  • the information related to the sale or purchase of the first cryptocurrency determined as described above may be transferred from the payment preparation rate control server or payment preparation rate control device according to the present invention to the service providing device 100 as shown in FIG. 2,
  • the service providing device 100 may process a portion of the internal storage amount of the first cryptocurrency through the exchange according to the transmitted information or purchase and process the first cryptocurrency held by external traders.
  • the market capitalization of the first cryptocurrency increases or decreases with time, and the payment reserve may have a tendency to increase with time.
  • the payment preparation rate is calculated as a ratio of the reserve amount to the market capitalization of the first cryptocurrency, and as shown in FIG. 10 (c), the payment preparation rate may be targeted and set to decrease over time.
  • FIG. 12 is a block diagram showing the configuration of a system for preparing a payment rate of a blockchain-based cryptocurrency according to another embodiment of the present invention, and the illustrated system 500 includes an information acquisition unit 510 and an issue amount determination unit 520. ), A control unit 530, a switchable amount determination unit 540, a memory 550, a transaction determination unit 560, and an origin processing unit 570.
  • the information acquisition unit 510 acquires market capitalization information of the first cryptocurrency, and acquires information about a reserve prepared in advance for payment of real economic value exchangeable for the second cryptocurrency.
  • the transaction determining unit 560 Based on at least one of the market capitalization information of the first cryptocurrency obtained through the information acquisition unit 510 and the reserve amount payment information of the second cryptocurrency, the transaction determining unit 560 holds the central bank amount in the first cryptocurrency Decide whether to process the sale.
  • the withdrawal processing unit 570 processes a portion of the central bank reserve of the first cryptocurrency to be withdrawn and converted into the internal reserve.
  • the withdrawal unit 570 may request the central bank server 1200 to withdraw the central bank holding amount of the first cryptocurrency that has been determined to be sold into the wallet of the company name, and the first amount that is determined to be sold according to the request.
  • Cryptocurrency can be withdrawn from the central bank and converted into internal reserves.
  • the first cryptocurrency withdrawn from the central bank becomes available for distribution and can be sold through an exchange.
  • the payment preparation rate control system of the blockchain-based cryptocurrency as shown in FIG. 12 may perform at least some functions of the payment preparation rate adjustment module 400 as described with reference to FIGS. 1 to 4, and corresponding functions It may be implemented in the form of a server that includes.
  • FIG. 13 is a flowchart illustrating a method for controlling a payment preparation rate of a blockchain-based cryptocurrency according to another embodiment of the present invention.
  • market capitalization information of the first cryptocurrency is obtained (step S1300), and information about a reserve prepared in advance for payment of real economic value exchangeable with the second cryptocurrency is obtained (step S1310). .
  • step S1320 based on at least one of the obtained market capitalization information and payment reserve information of the first cryptocurrency, it is determined whether to process the sale of the central bank holding amount in the first cryptocurrency issued.
  • the market capitalization of the first cryptocurrency increases rapidly above the reference value, it may be determined to sell some of the central bank reserves of the first cryptocurrency.
  • the information related to the sale of the first cryptocurrency determined as described above may be delivered from the payment preparation rate control server or the payment preparation rate control device according to the present invention to the service providing device 100 as shown in FIG. 2, and providing the service
  • the device 100 may process a portion of the central bank reserve amount of the first cryptocurrency through the exchange according to the transmitted information.
  • step S1330 if it is determined to sell the central bank reserve (step S1330), a portion of the central bank reserve of the first cryptocurrency is withdrawn and processed to be converted into an internal reserve (step S1340).
  • the withdrawal for the central bank holding amount determined to be sold is requested to the central bank server 1200, and accordingly, a portion of the central bank holding amount is withdrawn into the wallet of the company name and converted into the internal holding amount.
  • FIG. 14 is a flowchart illustrating a method for controlling a payment preparation rate of a blockchain-based cryptocurrency according to another embodiment of the present invention, and a description of the same as those described with reference to FIGS. 1 to 13 of the illustrated methods will be omitted below. I will do it.
  • market capitalization information of a first cryptocurrency is obtained (step S1400), and information about a reserve prepared in advance for payment of real economic value exchangeable with a second cryptocurrency is obtained (step S1410). .
  • step S1420 based on at least one of the obtained market capitalization information of the first cryptocurrency and the reserve information of the payment of the second cryptocurrency, it is determined whether to provide loan collateral for the internal reserve amount in the first cryptocurrency (step S1420).
  • the market capitalization of the first cryptocurrency increases rapidly above a threshold, and the reserve for payment decreases, it may be determined to provide a financial company with some of the internal reserves of the first cryptocurrency as collateral for the loan.
  • the threshold increase rate or the upper limit threshold for the market capitalization of the first cryptocurrency and the threshold decrease rate or the lower threshold for the payment reserve may be preset and stored in the memory, and the market capitalization of the first cryptocurrency is Periodically confirmed, the market capitalization increase rate of the first cryptocurrency is higher than the preset threshold increase rate or the market capitalization amount of the first cryptocurrency is higher than the preset upper limit threshold and the payment reserve reduction rate is higher than the preset threshold decrease rate or paid
  • the preparation ratio becomes lower than a preset lower limit threshold it may be determined to provide the first cryptocurrency held in the company name as a loan collateral to the financial company.
  • the information related to providing collateral for the first cryptocurrency determined as described above is transferred from the payment preparation rate control server or payment preparation rate control device according to the present invention to the service providing device 100 and the financial server 500 as shown in FIG. 2. It can be delivered, and the service providing apparatus 100 may process to provide some of the internal holding amount of the first cryptocurrency to the financial server 500 as loan security according to the transmitted information.
  • the cash loaned by providing the first cryptocurrency as collateral may be added to the payment reserve, so that the payment preparation rate in a preset range may be maintained.
  • the embodiment of the present invention has been described as an example in which the internal holding amount in the first cryptocurrency is provided as a loan collateral, but the present invention is not limited to this, and the central bank holding amount in the first cryptocurrency will be provided as a loan collateral. It might be.
  • a portion of the central bank reserve of the first cryptocurrency is withdrawn and processed to be converted into an internal reserve, and the first cryptocurrency converted into the internal reserve can be provided as a loan collateral.
  • control method as described with reference to FIG. 14 may be performed by the cryptocurrency payment preparation rate control device or the payment preparation rate control server shown in FIG. 12.
  • At least some of the above-described methods according to an embodiment of the present invention may be manufactured as a program to be executed on a computer and stored in a computer-readable recording medium
  • a computer-readable recording medium is ROM , RAM, CD-ROM, magnetic tape, floppy disk, optical data storage, etc.

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Abstract

La présente invention se rapporte à un procédé permettant de commander un rapport de réserve d'une cryptomonnaie à base de chaîne de blocs, et à un serveur et à un programme permettant la mise en œuvre de ce procédé. Le procédé comprend les étapes consistant : à obtenir des informations concernant un cap de marché d'une première cryptomonnaie ; à obtenir des informations concernant une réserve d'argent liquide préparée à l'avance pour le paiement d'une valeur économique réelle pouvant être échangée pour une seconde cryptomonnaie ; et à déterminer s'il faut vendre une quantité de maintien interne de la première cryptomonnaie émise sur la base des informations obtenues concernant le cap de marché de la première cryptomonnaie et/ou des informations concernant la réserve d'argent de la seconde cryptomonnaie.
PCT/KR2018/013048 2018-10-30 2018-10-30 Procédé permettant de commander un rapport de réserve de cryptomonnaie à base de chaîne de blocs, et serveur et programme permettant la mise en œuvre de ce procédé WO2020091101A1 (fr)

Applications Claiming Priority (6)

Application Number Priority Date Filing Date Title
KR1020180130713A KR20200048536A (ko) 2018-10-30 2018-10-30 블록체인 기반 지급 준비율 제어 방법, 그를 수행하기 위한 서버 및 프로그램
KR1020180130703A KR20200048526A (ko) 2018-10-30 2018-10-30 블록체인 기반 지급 준비율 제어 방법, 그를 수행하기 위한 서버 및 프로그램
KR10-2018-0130713 2018-10-30
KR1020180130708A KR20200048531A (ko) 2018-10-30 2018-10-30 블록체인 기반 지급 준비율 제어 방법, 그를 수행하기 위한 서버 및 프로그램
KR10-2018-0130703 2018-10-30
KR10-2018-0130708 2018-10-30

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