WO2020124844A1 - Online and offline virtual currency transfer method and system therefor - Google Patents

Online and offline virtual currency transfer method and system therefor Download PDF

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Publication number
WO2020124844A1
WO2020124844A1 PCT/CN2019/079914 CN2019079914W WO2020124844A1 WO 2020124844 A1 WO2020124844 A1 WO 2020124844A1 CN 2019079914 W CN2019079914 W CN 2019079914W WO 2020124844 A1 WO2020124844 A1 WO 2020124844A1
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WIPO (PCT)
Prior art keywords
online
storage unit
offline
transaction
value
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PCT/CN2019/079914
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French (fr)
Chinese (zh)
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吴阮弘
张祐铭
萧志平
李佰桓
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萨摩亚商恩旺股份有限公司
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Priority to JP2021535284A priority Critical patent/JP2022519438A/en
Priority to KR1020217021459A priority patent/KR20210100693A/en
Publication of WO2020124844A1 publication Critical patent/WO2020124844A1/en

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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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • 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
    • 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
    • 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
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/04—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks
    • H04L63/0428—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks wherein the data content is protected, e.g. by encrypting or encapsulating the payload
    • 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
    • H04L9/08—Key distribution or management, e.g. generation, sharing or updating, of cryptographic keys or passwords
    • H04L9/0816—Key establishment, i.e. cryptographic processes or cryptographic protocols whereby a shared secret becomes available to two or more parties, for subsequent use
    • H04L9/0819—Key transport or distribution, i.e. key establishment techniques where one party creates or otherwise obtains a secret value, and securely transfers it to the other(s)
    • H04L9/0825—Key transport or distribution, i.e. key establishment techniques where one party creates or otherwise obtains a secret value, and securely transfers it to the other(s) using asymmetric-key encryption or public key infrastructure [PKI], e.g. key signature or public key certificates
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L2209/00—Additional information or applications relating to cryptographic mechanisms or cryptographic arrangements for secret or secure communication H04L9/00
    • H04L2209/56—Financial cryptography, e.g. electronic payment or e-cash

Definitions

  • the invention relates to an online and offline virtual currency transfer method and system, in particular to a blockchain, security mechanism, and online and offline virtual currency transfer method and transaction cost reduction Its system.
  • blockchain we use includes all forms of electronic devices, computers, or distributed ledgers. These include but are not limited to blockchain and transaction-chain technologies, authorized and unauthorized ledgers, shared ledgers and their variants. Although other blockchain applications have been proposed and developed, the most widely known blockchain technology is the application of Bitcoin accounts. For ease of explanation, the present invention uses Bitcoin as a reference, but it should be noted that the present invention is not limited to the use of the Bitcoin blockchain and alternative blockchain implementations and protocols, which fall within the scope of the present invention .
  • Virtual currency refers to a currency system that replaces the use of cash transactions with digital accounting. Virtual currency has the ability to effectively improve the efficiency and security of transactions For example, consumers do not need to carry large amounts of cash, and merchants do not need to manually count cash.
  • the transaction process is mainly completed by financial institutions or P2P systems. In order to write transactions into a blockchain, the transactions must go through "verification".
  • Miners perform work to ensure that each transaction is valid, and to ensure that invalid transactions will be rejected by the network, if the transaction is valid, the transaction will be written to the blockchain, and at the same time the mining union obtains a fee to incentivize Miners continue to mine to provide enough computing power for Bitcoin to ensure the security of the Bitcoin network.
  • Miners perform work to ensure that each transaction is valid, and to ensure that invalid transactions will be rejected by the network, if the transaction is valid, the transaction will be written to the blockchain, and at the same time the mining union obtains a fee to incentivize Miners continue to mine to provide enough computing power for Bitcoin to ensure the security of the Bitcoin network.
  • the consumer must pay a handling fee to the miner, which will cause a huge handling fee expenditure;
  • An object of the present invention is to provide an online and offline virtual currency transfer method and system to solve the problem that the virtual currency transaction in the technology brings huge handling expenses to consumers.
  • An online and offline virtual currency transfer method including the following steps:
  • Step 1 Provide a wallet storage module with at least one online storage unit and one offline storage unit;
  • Step 2 The online storage unit has an integrated unit and a plurality of transaction data, the offline storage unit has a storage unit and a plurality of data data, and each data data has a corresponding encrypted currency address And a corresponding encrypted value;
  • Step 3 When the online storage unit and the offline storage unit conduct an internal transaction, that is, transfer the encrypted currency address from the offline storage unit to the online storage unit, the encrypted currency address is transferred to the storage unit Internal storage, and at the same time the encrypted currency address and the encrypted value are sent to the integrated unit for storage;
  • Step 4 And when the online storage unit performs an external transaction with an external transaction unit, a corresponding value is generated from the encrypted value in the integrated unit, and then the value is transmitted to the external transaction unit for automatic detection The transaction confirms the validity of the value, so that a verification terminal processing the value obtains a transaction fee.
  • the online storage unit is an online wallet
  • the offline storage unit is an offline wallet
  • the offline wallet is selected as a warm wallet, a cold wallet or a lightweight wallet.
  • the internal transaction is performed offline, and the external transaction is performed online.
  • the transaction data includes at least one account, at least one stored value amount, at least one cryptocurrency address, at least one transaction record, or at least one configuration file.
  • each account has the encrypted currency address
  • the encrypted currency address is formed by extrapolating a public key
  • the public key is formed by the encrypted value
  • the data includes at least one account, at least one stored value amount, at least one transaction record, or at least one configuration file.
  • each account has the encrypted currency address
  • the encrypted currency address is formed by extrapolating a public key
  • the public key is formed by the encrypted value
  • An online and offline virtual currency transfer system includes a wallet storage module with at least one online storage unit and one offline storage unit, the online storage unit includes an integration unit and a plurality of transaction data, the offline The storage unit includes a storage unit and a plurality of data data, which have an encrypted currency address and an encrypted value;
  • An external transaction unit for receiving a value generated by the integration unit, and the external transaction unit for detecting the validity of the value
  • the online storage unit is an online wallet
  • the offline storage unit is an offline wallet
  • the offline wallet is selected as a warm wallet, a cold wallet or a lightweight wallet.
  • the transaction data includes at least one account, at least one stored value amount, at least one cryptocurrency address, at least one transaction record, or at least one configuration file, and each account has the cryptocurrency address, the cryptocurrency bit The address is formed by calculating a public key, and the public key is formed by the encrypted value.
  • the data includes at least one account, at least one stored value amount, at least one transaction record, or at least one configuration file.
  • the encryption corresponding to the data data is performed every time an internal transaction is performed
  • the currency address will be sent to the storage unit for storage, and at the same time, the encrypted currency address and encrypted value will also be sent to the integrated unit of the online storage unit for storage;
  • the client when the client is conducting external transactions, it will Generate a corresponding value through the encrypted value in the integration unit, and then send the value to the external transaction unit to automatically detect the transaction to confirm that the value is valid or invalid, if the value is confirmed as a valid transaction, then the
  • the value verification terminal can obtain the transaction processing fee, so that the user terminal can be exempted from the transaction processing fee generated when conducting the internal transaction, and only needs to pay the transaction processing fee to the verification during the external transaction
  • it greatly improves the lack of a transaction fee that must be lost for every transaction in the existing virtual currency system, to achieve the effect of reducing transaction fees.
  • FIG. 1 is a schematic block diagram of a system according to a preferred embodiment of the present invention.
  • FIG. 2 is a flowchart of method steps of a preferred embodiment of the present invention.
  • 2-wallet storage module 20-online storage unit, 200-integration unit, 201-transaction data, 21-offline storage unit, 210-storage unit, 211-data data, 3-external transaction unit, 4 -Verification end.
  • FIG. 1 is a schematic block diagram of a system for online and offline virtual currency transfer systems of the present invention.
  • the system includes a wallet storage module 2, an external transaction unit 3, and a verification terminal 4.
  • the wallet The storage module 2 has at least one online storage unit 20 and one offline storage unit 21.
  • the online storage unit 20 includes an integration unit 200 and a plurality of transaction data 201.
  • the offline storage unit 21 includes a storage unit 210 and a plurality of data Data 211, the data data 211 has an encrypted currency address and an encrypted value, the external transaction unit 3 is used to receive a value generated by the integration unit 200, and the external transaction unit 3 is used to detect the validity of the value
  • the verification terminal 4 is used to receive the value to obtain a transaction fee.
  • FIG. 2 is a flowchart of the method steps of the present invention.
  • the aforementioned system is equipped with the following method.
  • the method includes the following steps:
  • Step 1 Provide a wallet storage module with at least one online storage unit and one offline storage unit.
  • a wallet storage module 2 is provided for a user terminal, where the user terminal refers to, for example, a portable mobile device, a handheld electronic device, a desktop computer, etc.
  • the user terminal can pass the portable mobile device or a handheld electronic device or a desktop
  • the computer application (Mobile Application, app) performs electronic transaction operations of the virtual currency system.
  • the online storage unit 20 is an online wallet, which is a wallet generated in the network state, and the offline storage unit 21 is used in the present invention Is the offline wallet that sends and receives virtual currency (such as bitcoin) in the virtual currency system.
  • the offline wallet can be a warm wallet, a cold wallet, or a lightweight wallet.
  • the wallet storage module 2 There can be more than one online storage unit 20 and more than one offline storage unit 21, that is to say, there can be multiple online storage units 20 and offline storage held by the same client in the wallet storage module 2
  • the unit 21, or alternatively, the wallet storage module 2 may have multiple users holding one or more online storage units 20 and offline storage units 21, respectively.
  • Step 2 The online storage unit has an integrated unit and a plurality of transaction data, the offline storage unit has a storage unit and a plurality of data data, and each data data has a corresponding encrypted currency address And a corresponding encrypted value.
  • the online storage unit 20 also has an integration unit 200 and a plurality of transaction data 201
  • the offline storage unit 21 also has a storage unit 210 and a plurality of data data 211
  • each data data 211 has A corresponding encrypted currency address and a corresponding encrypted value
  • the function of the integration unit 200 is to organize and integrate the encrypted currency address and encrypted value of each data data 211, and provide the encrypted currency address And the encrypted value is stored in it;
  • the transaction data 201 includes at least one account, at least one stored value, at least one cryptocurrency address, at least one transaction record, or at least one configuration file, and each account has a cryptocurrency address
  • the encrypted currency address is formed by calculating a public key, and the public key is formed by the encrypted value
  • the data data 211 includes at least one account in addition to the aforementioned encrypted currency address and encrypted value , At least one stored value amount, at least one transaction record, or at least one configuration file, and each account has the encrypted currency address, the encrypted currency address is derived from a public key, and the public key is formed by the encrypted value Formed by
  • the number of the integration unit 200 is described as one. In actual implementation, the integration unit 200 may be two or more, which will be described first.
  • Step 3 When the online storage unit and the offline storage unit conduct an internal transaction, that is, transfer the encrypted currency address from the offline storage unit to the online storage unit, the encrypted currency address is transferred to the storage unit Internal storage, and at the same time the encrypted currency address and the encrypted value are sent to the integrated unit for storage.
  • the encrypted currency address of the offline storage unit 21 is transferred to the storage unit 210 for storage at the same time, and the offline The encrypted currency address and encrypted value in the storage unit 21 are sent to the integrated unit 200 and stored therein. Therefore, when the client conducts an internal transaction, the encrypted currency address and encryption corresponding to the data 211 The values are all stored in the integrated unit 200, and it should be noted that the internal transaction represents that the step is performed offline.
  • Step 4 When the online storage unit performs an external transaction with an external transaction unit, a corresponding value is generated from the encrypted value in the integrated unit, and then the value is transmitted to the external transaction unit for automatic detection of transactions In order to confirm the validity of the value, a verification terminal processing the value obtains a transaction fee.
  • the client When the client performs an external transaction with the online storage unit 20 and an external transaction unit 3, the plurality of encrypted values stored in the integration unit 200 generates its corresponding value, and then transmits the value to the external transaction Unit 3 performs an automatic detection transaction to confirm that the value is valid or invalid. It should be noted that this transaction process is performed in a networked state.
  • the external transaction unit 3 In order to verify and confirm the validity of the value, in this embodiment, the external transaction unit 3 is the "blockchain" in the virtual currency system. After verification by the external transaction unit 3, if the value is confirmed as a valid transaction, a verification terminal 4 that processes the value can obtain a sum Transaction Fees.
  • the encrypted currency address corresponding to the data 211 is transferred to the memory of the storage unit 210 every time an internal transaction is performed at the same time, the encrypted currency address and encrypted value will also be sent to the integrated unit 200 of the online storage unit 20 for storage.
  • the encrypted value in the integrated unit 200 will be generated.
  • Corresponding value and send the value to the external transaction unit 3 to automatically detect the transaction to confirm that the value is valid or invalid. If the value is confirmed as a valid transaction, the verification terminal 4 of the value can obtain it The aforementioned transaction fee.
  • the present invention only needs to pay a transaction fee to the verification terminal 4 during external transactions.
  • Improve the existing virtual currency system for every transaction (whether it is an internal transaction or an external transaction), you must lose a missing transaction fee, to achieve the effect of reducing transaction fees.

Abstract

An online and offline virtual currency transfer method and a system therefor. The system comprises: a wallet storage module, an external transaction unit and a verification terminal, the wallet storage module having at least an online storage unit and an offline storage unit, the online storage unit comprising an integration unit and a plurality of pieces of transaction data, the offline storage unit comprising a storage unit and a plurality of pieces of data, such data having a cryptocurrency bit address and an encrypted value, the external transaction unit being used to receive a numerical value generated by the integration unit and to detect the validity of the numerical value, the verification terminal being used to receive the numerical value to acquire a transaction fee.

Description

一种线上及线下的虚拟货币转移方法及其系统Online and offline virtual currency transfer method and system 技术领域Technical field
本发明涉及一种线上及线下的虚拟货币转移方法及其系统，尤指一种区块链(blockchain)、安全机制以及可降低交易手续费的线上及线下的虚拟货币转移方法及其系统。The invention relates to an online and offline virtual currency transfer method and system, in particular to a blockchain, security mechanism, and online and offline virtual currency transfer method and transaction cost reduction Its system.
背景技术Background technique
消费者于消费后直接进行现金付费一直是人们的直觉性支付行为，但随着时代与科技的进步，金融卡、信用卡、电子钱包、虚拟货币等各种交易付款方式的出现，使得人们可在既有的交易金额里持更少的实体货币；而智能型行动设备(移动装置)趋于大量化后，智能型行动设备已为现今大部分人们生活不可或缺的工具，将信用卡信息储于行动设备上，或在行动设备上使用电子钱包来进行消费付款，都可避免带着大量的信用卡、现金等实体物品，着实降低了货币提领成本并增加了生活的便利性。It is always an intuitive payment behavior for consumers to make cash payments directly after consumption, but with the advancement of the times and technology, the emergence of various transaction payment methods such as financial cards, credit cards, electronic wallets, virtual currencies, etc. The existing transaction amount holds less physical currency; and as smart mobile devices (mobile devices) tend to become larger, smart mobile devices have become an indispensable tool for most people’s lives today, storing credit card information in On mobile devices, or using electronic wallets on mobile devices for consumer payments, you can avoid carrying a large amount of physical items such as credit cards and cash, which really reduces the cost of currency withdrawal and increases the convenience of life.
在本发明中，我们所使用术语「区块链」包括所有电子装置、计算机或分布式分类帐的形式。这些包括但不限定于区块链和交易链技术(transaction-chaintechnologies)、授权和未授权的分类帐，共享分类帐及其变体等。尽管已有其他区块链应用已提出且发展，但最广为人知的区块链技术还是比特币账的应用。为了方便说明目的，本发明以比特币作为参考说明，但应当注意，本发明不限用于比特币区块链和替代的区块链实施方案和协议一起使用，这些皆落入本发明的范围。In the present invention, the term "blockchain" we use includes all forms of electronic devices, computers, or distributed ledgers. These include but are not limited to blockchain and transaction-chain technologies, authorized and unauthorized ledgers, shared ledgers and their variants. Although other blockchain applications have been proposed and developed, the most widely known blockchain technology is the application of Bitcoin accounts. For ease of explanation, the present invention uses Bitcoin as a reference, but it should be noted that the present invention is not limited to the use of the Bitcoin blockchain and alternative blockchain implementations and protocols, which fall within the scope of the present invention .
近年来，开始出现虚拟货币如比特币、莱特币、瑞波币等的虚拟交易支付方式，虚拟货币指以数码记帐的方式代替使用现金交易的货币系统，虚拟货币具有有效提高交易的效率与安全，例如消费者无须携带大量现金，商户同时无须人手点算现金，交易过程主要通过金融机构或P2P系统来完成，为了将交易写入一区块链中，交易必须经过「验证」，网络节点(矿工miners)执行工作以确保每个交易是有效的，以及确保无效的交易会被网络拒绝，若该笔交易是有效的，会将交易写入区块链，并同时矿工会获取手续费以激励 矿工继续挖矿为比特币提供足够的算力从而确保比特币网络的安全。然而，每产生一笔交易，消费者就必须支付一次手续费给矿工，如此累积下来会造成庞大的手续费支出；In recent years, virtual currency payment methods such as Bitcoin, Litecoin, Ripple, etc. have begun to appear. Virtual currency refers to a currency system that replaces the use of cash transactions with digital accounting. Virtual currency has the ability to effectively improve the efficiency and security of transactions For example, consumers do not need to carry large amounts of cash, and merchants do not need to manually count cash. The transaction process is mainly completed by financial institutions or P2P systems. In order to write transactions into a blockchain, the transactions must go through "verification". The network node ( Miners) perform work to ensure that each transaction is valid, and to ensure that invalid transactions will be rejected by the network, if the transaction is valid, the transaction will be written to the blockchain, and at the same time the mining union obtains a fee to incentivize Miners continue to mine to provide enough computing power for Bitcoin to ensure the security of the Bitcoin network. However, every time a transaction occurs, the consumer must pay a handling fee to the miner, which will cause a huge handling fee expenditure;
因此，现有技术中亟需一种新的技术方案解决上述问题。Therefore, in the prior art, a new technical solution is urgently needed to solve the above problems.
发明内容Summary of the invention
本发明的目的在于提供一种线上及线下的虚拟货币转移方法及其系统，解决有技术中的虚拟货币交易给消费者带来庞大的手续费支出的问题。An object of the present invention is to provide an online and offline virtual currency transfer method and system to solve the problem that the virtual currency transaction in the technology brings huge handling expenses to consumers.
一种线上及线下的虚拟货币转移方法，包含下列步骤：An online and offline virtual currency transfer method, including the following steps:
步骤一：提供一钱包储存模块，该钱包储存模块具有至少一线上储存单元及一线下储存单元；Step 1: Provide a wallet storage module with at least one online storage unit and one offline storage unit;
步骤二：所述线上储存单元具有一整合单元及复数笔交易资料，所述线下储存单元具有一存放单元及复数笔数据资料，且每一笔数据资料具有一相对应的加密货币位址及一相对应的加密值；Step 2: The online storage unit has an integrated unit and a plurality of transaction data, the offline storage unit has a storage unit and a plurality of data data, and each data data has a corresponding encrypted currency address And a corresponding encrypted value;
步骤三：当所述线上储存单元与线下储存单元进行一内部交易，即转移加密货币位址自线下储存单元至线上储存单元时，将该加密货币位址传送至所述存放单元内存放，并同时该加密货币位址及该加密值传送至所述整合单元内储存；Step 3: When the online storage unit and the offline storage unit conduct an internal transaction, that is, transfer the encrypted currency address from the offline storage unit to the online storage unit, the encrypted currency address is transferred to the storage unit Internal storage, and at the same time the encrypted currency address and the encrypted value are sent to the integrated unit for storage;
步骤四：及当所述线上储存单元与一外部交易单元进行一外部交易时，通过该整合单元内的加密值产生相对应的一数值，再将该数值传送至该外部交易单元进行自动检测交易以确认该数值的有效性，以使得处理该数值的一验证端获取一交易手续费。Step 4: And when the online storage unit performs an external transaction with an external transaction unit, a corresponding value is generated from the encrypted value in the integrated unit, and then the value is transmitted to the external transaction unit for automatic detection The transaction confirms the validity of the value, so that a verification terminal processing the value obtains a transaction fee.
进一步，所述线上储存单元为一线上钱包，所述线下储存单元为一离线钱包，该离线钱包选择为暖钱包、冷钱包(cold wallet)或轻量钱包。Further, the online storage unit is an online wallet, and the offline storage unit is an offline wallet, and the offline wallet is selected as a warm wallet, a cold wallet or a lightweight wallet.
进一步，所述内部交易为离线状态下进行，所述外部交易为联网状态下进行。Further, the internal transaction is performed offline, and the external transaction is performed online.
进一步，所述交易资料包含至少一账户、至少一储值数额、至少一加密货币位址、至少一交易纪录或至少一配置文件。Further, the transaction data includes at least one account, at least one stored value amount, at least one cryptocurrency address, at least one transaction record, or at least one configuration file.
进一步，所述每一账户具有所述加密货币位址，该加密货币位址由一公 钥推算形成，而该公钥由所述加密值所形成。Further, each account has the encrypted currency address, the encrypted currency address is formed by extrapolating a public key, and the public key is formed by the encrypted value.
进一步，所述数据资料包含至少一账户、至少一储值数额、至少一交易纪录或至少一配置文件。Further, the data includes at least one account, at least one stored value amount, at least one transaction record, or at least one configuration file.
进一步，所述每一账户具有所述加密货币位址，该加密货币位址由一公钥推算形成，而该公钥由所述加密值所形成。Further, each account has the encrypted currency address, the encrypted currency address is formed by extrapolating a public key, and the public key is formed by the encrypted value.
一种线上及线下的虚拟货币转移系统，包括一钱包储存模块，其具有至少一线上储存单元及一线下储存单元，该线上储存单元包含一整合单元及复数笔交易资料，该线下储存单元包含一存放单元及复数笔数据资料，该等数据资料具有一加密货币位址及一加密值；An online and offline virtual currency transfer system includes a wallet storage module with at least one online storage unit and one offline storage unit, the online storage unit includes an integration unit and a plurality of transaction data, the offline The storage unit includes a storage unit and a plurality of data data, which have an encrypted currency address and an encrypted value;
一外部交易单元，用于接收所述整合单元产生的一数值，并该外部交易单元用以检测该数值的有效性；An external transaction unit, for receiving a value generated by the integration unit, and the external transaction unit for detecting the validity of the value;
及一验证端，用于接收所述数值以获取一交易手续费。And a verification terminal for receiving the value to obtain a transaction fee.
进一步，所述线上储存单元为一线上钱包，所述线下储存单元为一离线钱包，该离线钱包选择为暖钱包、冷钱包(cold wallet)或轻量钱包。Further, the online storage unit is an online wallet, and the offline storage unit is an offline wallet, and the offline wallet is selected as a warm wallet, a cold wallet or a lightweight wallet.
进一步，所述交易资料包含至少一账户、至少一储值数额、至少一加密货币位址、至少一交易纪录或至少一配置文件，而每一账户具有所述加密货币位址，该加密货币位址由一公钥推算形成，而该公钥由所述加密值所形成，所述数据资料包含至少一账户、至少一储值数额、至少一交易纪录或至少一配置文件。Further, the transaction data includes at least one account, at least one stored value amount, at least one cryptocurrency address, at least one transaction record, or at least one configuration file, and each account has the cryptocurrency address, the cryptocurrency bit The address is formed by calculating a public key, and the public key is formed by the encrypted value. The data includes at least one account, at least one stored value amount, at least one transaction record, or at least one configuration file.
采用上述技术方案的本发明能够带来以下有益效果：The invention adopting the above technical solution can bring the following beneficial effects:
通过本发明的方法及其系统，当一用户端进行内部交易，即转移加密货币位址自线下储存单元至线上储存单元时，每进行内部交易一次，所述数据资料所相对应的加密货币位址会传送至该存放单元内存放，且同时，该加密货币位址及加密值也会传送至所述线上储存单元的整合单元内储存；当用户端在进行外部交易时，会将通过整合单元内的加密值产生相对应的一数值，再将该数值传送至所述外部交易单元进行自动检测交易以确认该数值有效或者无效，若该数值被确认为有效交易，则处里该数值的验证端则可获取该交易手续费，如此一来，该用户端可免除于进行该内部交易时所产生的交易 手续费的问题，而仅需在外部交易时支付交易手续费给该验证端，大幅改善现有在虚拟货币系统每进行一笔交易就必须损失一笔手续费的缺失，达到减少交易手续费的效果。With the method and system of the present invention, when a user conducts an internal transaction, that is, when transferring an encrypted currency address from an offline storage unit to an online storage unit, the encryption corresponding to the data data is performed every time an internal transaction is performed The currency address will be sent to the storage unit for storage, and at the same time, the encrypted currency address and encrypted value will also be sent to the integrated unit of the online storage unit for storage; when the client is conducting external transactions, it will Generate a corresponding value through the encrypted value in the integration unit, and then send the value to the external transaction unit to automatically detect the transaction to confirm that the value is valid or invalid, if the value is confirmed as a valid transaction, then the The value verification terminal can obtain the transaction processing fee, so that the user terminal can be exempted from the transaction processing fee generated when conducting the internal transaction, and only needs to pay the transaction processing fee to the verification during the external transaction On the other hand, it greatly improves the lack of a transaction fee that must be lost for every transaction in the existing virtual currency system, to achieve the effect of reducing transaction fees.
附图说明BRIEF DESCRIPTION
图1为本发明较佳实施例的系统方块示意图；1 is a schematic block diagram of a system according to a preferred embodiment of the present invention;
图2为本发明较佳实施例的方法步骤流程图。FIG. 2 is a flowchart of method steps of a preferred embodiment of the present invention.
图中，2-钱包储存模块、20-线上储存单元、200-整合单元、201-交易资料、21-线下储存单元、210-存放单元、211-数据资料、3-外部交易单元、4-验证端。In the picture, 2-wallet storage module, 20-online storage unit, 200-integration unit, 201-transaction data, 21-offline storage unit, 210-storage unit, 211-data data, 3-external transaction unit, 4 -Verification end.
具体实施方式detailed description
以下结合附图及具体实施方式对本发明作进一步说明；The present invention will be further described below with reference to the drawings and specific embodiments;
请参阅图1，为本发明线上及线下的虚拟货币转移系统的系统方块示意图，如图所示，该系统包括一钱包储存模块2、一外部交易单元3及一验证端4，该钱包储存模块2具有至少一线上储存单元20及一线下储存单元21，该线上储存单元20包含一整合单元200及复数笔交易资料201，该线下储存单元21包含一存放单元210及复数笔数据资料211，该等数据资料211具有一加密货币位址及一加密值，该外部交易单元3用于接收所述整合单元200产生的一数值，并该外部交易单元3用以检测该数值的有效性，该验证端4用于接收所述数值以获取一交易手续费。Please refer to FIG. 1, which is a schematic block diagram of a system for online and offline virtual currency transfer systems of the present invention. As shown in the figure, the system includes a wallet storage module 2, an external transaction unit 3, and a verification terminal 4. The wallet The storage module 2 has at least one online storage unit 20 and one offline storage unit 21. The online storage unit 20 includes an integration unit 200 and a plurality of transaction data 201. The offline storage unit 21 includes a storage unit 210 and a plurality of data Data 211, the data data 211 has an encrypted currency address and an encrypted value, the external transaction unit 3 is used to receive a value generated by the integration unit 200, and the external transaction unit 3 is used to detect the validity of the value The verification terminal 4 is used to receive the value to obtain a transaction fee.
请一并参阅图2，为本发明的方法步骤流程图，前述的系统搭配如下述的方法，该方法包括下列步骤：Please refer to FIG. 2 together, which is a flowchart of the method steps of the present invention. The aforementioned system is equipped with the following method. The method includes the following steps:
步骤一：提供一钱包储存模块，该钱包储存模块具有至少一线上储存单元及一线下储存单元。Step 1: Provide a wallet storage module with at least one online storage unit and one offline storage unit.
提供一用户端的一钱包储存模块2，此处的用户端指如携带型行动装置、手持电子装置、桌上型计算机等，用户端可通过所述携带型行动装置或手持电子装置或桌上型计算机的应用程序(Mobile Application,app)进行虚拟货币系统的电子交易操作，该线上储存单元20为一线上钱包，为联网状态下所产生的一钱包，而该线下储存单元21于本发明中即为虚拟货币 系统中收发虚拟货币(如比特币)的离线钱包，该离线钱包可以是暖钱包、冷钱包(cold wallet)或轻量钱包，尤须说明的是，所述钱包储存模块2内可具有一个以上的线上储存单元20及一个以上的线下储存单元21，也就是说，在该钱包储存模块2内可以有同一用户端持有多个线上储存单元20及线下储存单元21，又或者是，该钱包储存模块2内可以有多个用户端分别持有一个或多个线上储存单元20及线下储存单元21。A wallet storage module 2 is provided for a user terminal, where the user terminal refers to, for example, a portable mobile device, a handheld electronic device, a desktop computer, etc. The user terminal can pass the portable mobile device or a handheld electronic device or a desktop The computer application (Mobile Application, app) performs electronic transaction operations of the virtual currency system. The online storage unit 20 is an online wallet, which is a wallet generated in the network state, and the offline storage unit 21 is used in the present invention Is the offline wallet that sends and receives virtual currency (such as bitcoin) in the virtual currency system. The offline wallet can be a warm wallet, a cold wallet, or a lightweight wallet. In particular, the wallet storage module 2 There can be more than one online storage unit 20 and more than one offline storage unit 21, that is to say, there can be multiple online storage units 20 and offline storage held by the same client in the wallet storage module 2 The unit 21, or alternatively, the wallet storage module 2 may have multiple users holding one or more online storage units 20 and offline storage units 21, respectively.
步骤二：所述线上储存单元具有一整合单元及复数笔交易资料，所述线下储存单元具有一存放单元及复数笔数据资料，且每一笔数据资料具有一相对应的加密货币位址及一相对应的加密值。Step 2: The online storage unit has an integrated unit and a plurality of transaction data, the offline storage unit has a storage unit and a plurality of data data, and each data data has a corresponding encrypted currency address And a corresponding encrypted value.
所述线上储存单元20内还具有一整合单元200及复数笔交易资料201，所述线下储存单元21内还具有一存放单元210及复数笔数据资料211，并且每一笔数据资料211具有一相对应的加密货币位址及一相对应的加密值，所述整合单元200的作用用以整理统合前述每一笔数据资料211的加密货币位址及加密值，并提供该加密货币位址及该加密值储存于其内；The online storage unit 20 also has an integration unit 200 and a plurality of transaction data 201, the offline storage unit 21 also has a storage unit 210 and a plurality of data data 211, and each data data 211 has A corresponding encrypted currency address and a corresponding encrypted value, the function of the integration unit 200 is to organize and integrate the encrypted currency address and encrypted value of each data data 211, and provide the encrypted currency address And the encrypted value is stored in it;
尤须说明的是，其中所述交易资料201包含至少一账户、至少一储值数额、至少一加密货币位址、至少一交易纪录或至少一配置文件，又每一账户具有一加密货币位址，该加密货币位址由一公钥推算形成，而该公钥由所述加密值所形成，而所述数据资料211除了包含前述的加密货币位址及加密值外，也包含了至少一账户、至少一储值数额、至少一交易纪录或至少一配置文件，又每一账户具有所述加密货币位址，该加密货币位址由一公钥推算形成，而该公钥由所述加密值所形成；In particular, the transaction data 201 includes at least one account, at least one stored value, at least one cryptocurrency address, at least one transaction record, or at least one configuration file, and each account has a cryptocurrency address , The encrypted currency address is formed by calculating a public key, and the public key is formed by the encrypted value, and the data data 211 includes at least one account in addition to the aforementioned encrypted currency address and encrypted value , At least one stored value amount, at least one transaction record, or at least one configuration file, and each account has the encrypted currency address, the encrypted currency address is derived from a public key, and the public key is formed by the encrypted value Formed by
另外，尤须说明的是，于本实施例中，所述整合单元200的数量以一个做说明，于实际实施时，该整合单元200可以为两个或两个以上，合先叙明。In addition, it should be particularly noted that, in this embodiment, the number of the integration unit 200 is described as one. In actual implementation, the integration unit 200 may be two or more, which will be described first.
步骤三：当所述线上储存单元与线下储存单元进行一内部交易，即转移加密货币位址自线下储存单元至线上储存单元时，将该加密货币位址传送至所述存放单元内存放，并同时该加密货币位址及该加密值传送至所述整合单元内储存。Step 3: When the online storage unit and the offline storage unit conduct an internal transaction, that is, transfer the encrypted currency address from the offline storage unit to the online storage unit, the encrypted currency address is transferred to the storage unit Internal storage, and at the same time the encrypted currency address and the encrypted value are sent to the integrated unit for storage.
当用户端将线上储存单元20与线下储存单元21进行一内部交易时，此 时该线下储存单元21的加密货币位址传送至所述存放单元210内进行存放，同时，该线下储存单元21内的加密货币位址及加密值会传送至所述整合单元200并储存于其内，因此，当用户端每进行内部交易一次，其数据资料211相对应的加密货币位址及加密值全部储存在该整合单元200内，其中须说明的是，所述内部交易代表该步骤是在离线状态下进行。When the client conducts an internal transaction between the online storage unit 20 and the offline storage unit 21, the encrypted currency address of the offline storage unit 21 is transferred to the storage unit 210 for storage at the same time, and the offline The encrypted currency address and encrypted value in the storage unit 21 are sent to the integrated unit 200 and stored therein. Therefore, when the client conducts an internal transaction, the encrypted currency address and encryption corresponding to the data 211 The values are all stored in the integrated unit 200, and it should be noted that the internal transaction represents that the step is performed offline.
步骤四：当所述线上储存单元与一外部交易单元进行一外部交易时，通过该整合单元内的加密值产生相对应的一数值，再将该数值传送至该外部交易单元进行自动检测交易以确认该数值的有效性，以使得处理该数值的一验证端获取一交易手续费。Step 4: When the online storage unit performs an external transaction with an external transaction unit, a corresponding value is generated from the encrypted value in the integrated unit, and then the value is transmitted to the external transaction unit for automatic detection of transactions In order to confirm the validity of the value, a verification terminal processing the value obtains a transaction fee.
当用户端将线上储存单元20与一外部交易单元3进行一外部交易时，其中储存于该整合单元200内的复数笔加密值产生其相对应的数值，再将该数值传送至该外部交易单元3进行自动检测交易以确认该数值有效或者无效，须说明的是，此交易过程为联网状态下进行，其为了验证并确认该数值的有效性，于本实施例中，所述外部交易单元3即为虚拟货币系统中的「区块链」(Blockchain)，通过该外部交易单元3进行验证后，若该数值被确认为有效交易，则可使得处理该数值的一验证端4获取一笔交易手续费。因此，通过本发明的方法步骤并搭配该系统后，当用户端在进行内部交易时，每进行内部交易一次，所述数据资料211所相对应的加密货币位址会传送至该存放单元210内存放，且同时，该加密货币位址及加密值也会传送至所述线上储存单元20的整合单元200内储存，当用户端在进行外部交易时，将整合单元200内的加密值产生相对应的数值，并将所述数值传送至所述外部交易单元3进行自动检测交易以确认该数值有效或者无效，若该数值被确认为有效交易，则处里该数值的验证端4则可获取前述交易手续费。When the client performs an external transaction with the online storage unit 20 and an external transaction unit 3, the plurality of encrypted values stored in the integration unit 200 generates its corresponding value, and then transmits the value to the external transaction Unit 3 performs an automatic detection transaction to confirm that the value is valid or invalid. It should be noted that this transaction process is performed in a networked state. In order to verify and confirm the validity of the value, in this embodiment, the external transaction unit 3 is the "blockchain" in the virtual currency system. After verification by the external transaction unit 3, if the value is confirmed as a valid transaction, a verification terminal 4 that processes the value can obtain a sum Transaction Fees. Therefore, through the method steps of the present invention and the system, when the client conducts internal transactions, the encrypted currency address corresponding to the data 211 is transferred to the memory of the storage unit 210 every time an internal transaction is performed At the same time, the encrypted currency address and encrypted value will also be sent to the integrated unit 200 of the online storage unit 20 for storage. When the client conducts external transactions, the encrypted value in the integrated unit 200 will be generated. Corresponding value, and send the value to the external transaction unit 3 to automatically detect the transaction to confirm that the value is valid or invalid. If the value is confirmed as a valid transaction, the verification terminal 4 of the value can obtain it The aforementioned transaction fee.
如此一来，该用户端可免除现有于进行该内部交易时也会被收取交易手续费的问题，因此，本发明仅需在外部交易时支付一笔交易手续费给该验证端4，大幅改善现有在虚拟货币系统中每进行一笔交易(不论是内部交易或外部交易)就必须损失一笔手续费的缺失，达到减少交易手续费的效果。In this way, the user terminal can be exempted from the problem of being charged transaction fees when conducting internal transactions. Therefore, the present invention only needs to pay a transaction fee to the verification terminal 4 during external transactions. Improve the existing virtual currency system for every transaction (whether it is an internal transaction or an external transaction), you must lose a missing transaction fee, to achieve the effect of reducing transaction fees.

Claims (10)

  1. 一种线上及线下的虚拟货币转移方法，其特征在于：包含下列步骤An online and offline virtual currency transfer method, which is characterized by the following steps:
    步骤一：提供一钱包储存模块，该钱包储存模块具有至少一线上储存单元及一线下储存单元；Step 1: Provide a wallet storage module with at least one online storage unit and one offline storage unit;
    步骤二：所述线上储存单元具有一整合单元及复数笔交易资料，所述线下储存单元具有一存放单元及复数笔数据资料，且每一笔数据资料具有一相对应的加密货币位址及一相对应的加密值；Step 2: The online storage unit has an integrated unit and a plurality of transaction data, the offline storage unit has a storage unit and a plurality of data data, and each data data has a corresponding encrypted currency address And a corresponding encrypted value;
    步骤三：当所述线上储存单元与线下储存单元进行一内部交易，即转移加密货币位址自线下储存单元至线上储存单元时，将该加密货币位址传送至所述存放单元内存放，并同时该加密货币位址及该加密值传送至所述整合单元内储存；Step 3: When the online storage unit and the offline storage unit conduct an internal transaction, that is, transfer the encrypted currency address from the offline storage unit to the online storage unit, the encrypted currency address is transferred to the storage unit Internal storage, and at the same time the encrypted currency address and the encrypted value are sent to the integrated unit for storage;
    步骤四：及当所述线上储存单元与一外部交易单元进行一外部交易时，通过该整合单元内的加密值产生相对应的一数值，再将该数值传送至该外部交易单元进行自动检测交易以确认该数值的有效性，以使得处理该数值的一验证端获取一交易手续费。Step 4: And when the online storage unit performs an external transaction with an external transaction unit, a corresponding value is generated from the encrypted value in the integrated unit, and then the value is transmitted to the external transaction unit for automatic detection The transaction confirms the validity of the value, so that a verification terminal processing the value obtains a transaction fee.
  2. 根据权利要求1所述的线上及线下的虚拟货币转移方法，其特征在于:所述线上储存单元为一线上钱包，所述线下储存单元为一离线钱包，该离线钱包选择为暖钱包、冷钱包(cold wallet)或轻量钱包。The online and offline virtual currency transfer method according to claim 1, wherein: the online storage unit is an online wallet, the offline storage unit is an offline wallet, and the offline wallet is selected as warm Wallet, cold wallet or lightweight wallet.
  3. 根据权利要求1所述的线上及线下的虚拟货币转移方法，其特征在于:所述内部交易为离线状态下进行，所述外部交易为联网状态下进行。The online and offline virtual currency transfer method according to claim 1, wherein the internal transaction is performed offline and the external transaction is performed online.
  4. 根据权利要求1所述的线上及线下的虚拟货币转移方法，其特征在于:所述交易资料包含至少一账户、至少一储值数额、至少一加密货币位址、至少一交易纪录或至少一配置文件。The online and offline virtual currency transfer method according to claim 1, wherein the transaction data includes at least one account, at least one stored value, at least one cryptocurrency address, at least one transaction record, or at least One configuration file.
  5. 根据权利要求4所述的线上及线下的虚拟货币转移方法，其特征在于:所述每一账户具有所述加密货币位址，该加密货币位址由一公钥推算形成，而该公钥由所述加密值所形成。The online and offline virtual currency transfer method according to claim 4, wherein: each account has the encrypted currency address, the encrypted currency address is formed by a public key calculation, and the public The key is formed by the encrypted value.
  6. 根据权利要求1所述的线上及线下的虚拟货币转移方法，其特征在于:所述数据资料包含至少一账户、至少一储值数额、至少一交易纪录或至 少一配置文件。The online and offline virtual currency transfer method according to claim 1, wherein the data includes at least one account, at least one stored value amount, at least one transaction record, or at least one configuration file.
  7. 根据权利要求1所述的线上及线下的虚拟货币转移方法，其特征在于:所述每一账户具有所述加密货币位址，该加密货币位址由一公钥推算形成，而该公钥由所述加密值所形成。The online and offline virtual currency transfer method according to claim 1, wherein: each account has the encrypted currency address, the encrypted currency address is formed by extrapolating a public key, and the public The key is formed by the encrypted value.
  8. 一种线上及线下的虚拟货币转移系统，其特征在于：包括一钱包储存模块，其具有至少一线上储存单元及一线下储存单元，该线上储存单元包含一整合单元及复数笔交易资料，该线下储存单元包含一存放单元及复数笔数据资料，该等数据资料具有一加密货币位址及一加密值；An online and offline virtual currency transfer system is characterized by including a wallet storage module, which has at least one online storage unit and one offline storage unit, the online storage unit includes an integrated unit and a plurality of transaction data , The offline storage unit includes a storage unit and a plurality of data data, the data data has an encrypted currency address and an encrypted value;
    一外部交易单元，用于接收所述整合单元产生的一数值，并该外部交易单元用以检测该数值的有效性；An external transaction unit, for receiving a value generated by the integration unit, and the external transaction unit for detecting the validity of the value;
    及一验证端，用于接收所述数值以获取一交易手续费。And a verification terminal for receiving the value to obtain a transaction fee.
  9. 根据权利要求8所述的线上及线下的虚拟货币转移系统，其特征在于：所述线上储存单元为一线上钱包，所述线下储存单元为一离线钱包，该离线钱包选择为暖钱包、冷钱包(cold wallet)或轻量钱包。The online and offline virtual currency transfer system according to claim 8, wherein the online storage unit is an online wallet, the offline storage unit is an offline wallet, and the offline wallet is selected as warm Wallet, cold wallet or lightweight wallet.
  10. 根据权利要求8所述的线上及线下的虚拟货币转移系统，其特征在于：所述交易资料包含至少一账户、至少一储值数额、至少一加密货币位址、至少一交易纪录或至少一配置文件，而每一账户具有所述加密货币位址，该加密货币位址由一公钥推算形成，而该公钥由所述加密值所形成，所述数据资料包含至少一账户、至少一储值数额、至少一交易纪录或至少一配置文件。The online and offline virtual currency transfer system according to claim 8, wherein the transaction data includes at least one account, at least one stored value, at least one cryptocurrency address, at least one transaction record, or at least A configuration file, and each account has the encrypted currency address, the encrypted currency address is formed by calculating a public key, and the public key is formed by the encrypted value, and the data includes at least one account, at least A stored value amount, at least one transaction record, or at least one configuration file.
PCT/CN2019/079914 2018-12-19 2019-03-27 Online and offline virtual currency transfer method and system therefor WO2020124844A1 (en)

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