WO2023182666A1

WO2023182666A1 - Digital asset management system and digital asset management method

Info

Publication number: WO2023182666A1
Application number: PCT/KR2023/002334
Authority: WO
Inventors: 정구태; 김성현; 이은우
Original assignee: 주식회사 인피닛블록
Priority date: 2022-03-23
Filing date: 2023-02-17
Publication date: 2023-09-28

Abstract

Disclosed are a digital asset management system and a digital asset management method, which can reduce extortion and hacking risks of digital assets by distributing an account for management of the digital assets to an applicant account and an approver account. The digital asset management system according to an embodiment of the present invention comprises a trustee terminal that is entrusted with storing and managing digital assets from a truster terminal and thus stores and manages the digital assets requested by the truster terminal. The trustee terminal performs digital asset management according to a digital asset management request by generating an owner account, an applicant account, and an approver account and sharing same with the truster terminal, accepting the digital asset management request through the applicant account and requesting approval of the digital asset management request by the approver account, performing verification on the digital asset management request depending on approval by the approver account, and identifying digital assets being stored in a digital asset wallet.

Description

Digital asset management system and digital asset management method

The present invention relates to a digital asset management system and a digital asset management method, and more specifically, to digital asset management that can reduce the risk of theft and hacking of digital assets by distributing accounts for managing digital assets into applicant accounts and approver accounts. It is about systems and digital asset management methods.

Recently, as investment in virtual assets has rapidly increased, there is a demand for services that perform virtual asset management by entrusting the management of various types of virtual assets, including Bitcoin and Ethereum. Virtual asset management services have several advantages, including providing services to safely store and manage customers’ virtual assets. However, it is difficult for conventional virtual asset management services to prevent digital assets from being stolen by employees in charge of customer companies, and there is a risk of hacking, so preventive measures are needed. In addition, conventional virtual asset management services are limited to simply storing virtual assets, and the process of trading virtual assets held by users in their virtual asset accounts is cumbersome, and investing (buying and selling) virtual assets at the user's discretion. There are limitations that make it difficult to expect high returns on investment using virtual assets due to the need for transfer and management.

For example, there is a P2P loan service that provides P2P loans using assets such as real estate owned by users as collateral. However, in the case of virtual assets, the market price fluctuates rapidly in a short period of time, making it difficult to utilize the service that provides Korean won loans using these as collateral. This is the situation. In addition, the process of receiving a P2P loan using the virtual assets held by the user in the virtual asset account as collateral is cumbersome, and if the virtual assets are sold and converted into cash, it is difficult to expect a return on investment from the virtual assets.

As another example, the way users process payments through simple payment companies such as Naver Pay or Kakao Pay is mainly done through card payments and bank transfers. On the other hand, even if payment can be made using virtual assets, there is a problem in which payment using virtual assets cannot be made if there are no virtual assets in the registered virtual asset account or if the payment amount is insufficient.

Meanwhile, in the case of conventional virtual asset management services, a transaction fee called a gas fee must be paid when a customer attempts to deliver virtual assets to the recipient. Since these gas fees fluctuate depending on the type of virtual asset and transaction situation, you must check the transaction fee every time you trade digital assets. Especially for customers who must deliver virtual assets to recipients on a regular or frequent basis, it is difficult to determine the full scale of gas fees.

The present invention is intended to provide a digital asset management system and a digital asset management method that can reduce the risk of theft and hacking of digital assets by distributing accounts for management of digital assets into applicant accounts and approver accounts.

In addition, the present invention is intended to provide a digital asset management system and digital asset management method that provides digital asset investment services using a digital asset exchange through collaboration and operating key sharing among customer companies, trustees, and management companies.

In addition, the present invention is intended to provide a Korean won loan service using digital assets held by users as collateral, and a digital asset management system and method that performs liquidation of collateral according to loan maturity or digital asset market decline by entrusting it to a trustee terminal.

In addition, the present invention is intended to provide a digital asset management system and method that handles digital asset payment processing so that users can make payments using digital assets.

In addition, the present invention is intended to provide a digital asset management system and method that provides digital asset protection and disclosure services for a digital asset issuer terminal using a digital asset exchange terminal and a trustee with which a disclosure data inquiry contract has been concluded.

In addition, the present invention is to provide a digital asset management system and method in which the custody system withdraws the transaction fee according to the token withdrawal transaction through a payment account and pays it to the smart contractor when the consignor terminal requests a token withdrawal transaction.

Additionally, the present invention is intended to provide a digital asset management system and method that can enhance security by utilizing multi-factor authentication and multi-signature.

The digital asset management system according to an embodiment of the present invention includes a trustee terminal that is entrusted with the storage and management of digital assets from a trustee terminal and stores and manages the digital assets requested from the trustee terminal.

The consignee terminal includes an owner account creation unit that creates an owner account in response to an owner account creation request from the consignor terminal and shares the owner account with the consignor terminal; an applicant account creation unit that creates an applicant account in response to a request for creating an applicant account from the consignor terminal related to the owner account and shares it with the consignor terminal; an approver account creation unit that creates an approver account in response to a request for creating an approver account from the consignor terminal related to the owner account and shares it with the consignor terminal; an approval request unit that receives a digital asset management application through the applicant account and requests approval for the digital asset management application from the approver account; an account verification unit that performs verification of the digital asset management application depending on whether the digital asset management application is approved by the approver account; A digital asset confirmation unit that verifies digital assets stored in a digital asset wallet related to the digital asset management application; and a digital asset management unit that performs digital asset management according to the digital asset management application upon completion of verification and confirmation of the account verification unit and the digital asset verification unit.

The digital asset may include a plurality of virtual currencies selected from virtual currencies including Bitcoin, Ethereum, and Klaytn.

The digital asset management system according to an embodiment of the present invention may further include a digital asset wallet register that registers one or more digital asset wallets for each of the plurality of virtual currencies.

The applicant account creation unit may create the applicant account for each of the plurality of virtual currencies and the digital asset wallet.

The approver account creation unit may create the approver account for each of the plurality of virtual currencies and the digital asset wallet.

The digital asset wallet register may register a plurality of digital asset wallets, including a first digital asset wallet requested for registration by the trustor terminal and a second digital asset wallet verified through digital asset history, as a whitelist digital asset wallet. .

A digital asset wallet selectable by the applicant account among the plurality of digital asset wallets registered as the whitelist digital asset wallets may be set for each applicant account.

The trustee terminal grants a plurality of approver accounts for each applicant account to the owner account; When an application for digital assets is received through the applicant account, the size of the requested digital assets is compared with a preset standard asset size; determining the number of approver accounts to request approval among the plurality of approver accounts according to a comparison result between the size of the requested digital asset and the reference asset size; randomly selecting an approver account to process approval for digital assets from among a plurality of approver accounts set for the applicant account as many as the number of approver accounts; And it can be configured to request approval for the digital asset from one or more randomly selected approver accounts.

The digital asset management method according to an embodiment of the present invention may include the step of entrusting the storage and management of digital assets from the trustor terminal to storing and managing the digital assets requested from the trustor terminal.

The step of storing and managing the digital assets includes creating an owner account according to an owner account creation request from the consignor terminal, by an owner account creation unit, and sharing the owner account with the consignor terminal; Generating, by an applicant account creation unit, an applicant account according to a request for creating an applicant account from the consignor terminal related to the owner account and sharing it with the consignor terminal; Generating, by an approver account creation unit, an approver account according to a request for creating an approver account from the consignor terminal related to the owner account and sharing it with the consignor terminal; Receiving, by an approval request unit, a digital asset management application through the applicant account and requesting approval for the digital asset management application from the approver account; Performing verification, by an account verification unit, on the digital asset management application according to whether the digital asset management application is approved by the approver account; Confirming, by a digital asset verification unit, digital assets stored in a digital asset wallet related to the digital asset management application; and performing, by the digital asset management unit, digital asset management according to the digital asset management application upon completion of verification and confirmation of the account verification unit and the digital asset verification unit.

The digital asset management method according to an embodiment of the present invention may further include registering one or more digital asset wallets for each of the plurality of virtual currencies by a digital asset wallet register.

The step of registering the digital asset wallet includes registering a plurality of digital asset wallets, including a first digital asset wallet requested for registration by the trustor terminal and a second digital asset wallet verified through digital asset history, as a whitelist digital asset wallet. It may include steps.

Storing and managing the digital assets includes: granting, by the trustee terminal, a plurality of approver accounts for each applicant account to the owner account; When an application for digital assets is received through the applicant account, the trustee terminal compares the size of the requested digital assets with a preset reference asset size; determining, by the trustee terminal, the number of approver accounts to request approval among the plurality of approver accounts according to a comparison result between the size of the requested digital asset and the size of the reference asset; The trustee terminal randomly selecting an approver account to process approval for a digital asset from among a plurality of approver accounts set for the applicant account as many as the number of approver accounts; And it may include the step of the trustee terminal requesting approval for the digital asset from one or more randomly selected approver accounts.

According to an embodiment of the present invention, a computer-readable non-transitory recording medium on which a program for executing the digital asset management method is recorded is provided.

According to an embodiment of the present invention, a digital asset management system and a digital asset management method are provided that can reduce the risk of theft and hacking of digital assets by distributing accounts for managing digital assets into an applicant account and an approver account.

In addition, according to an embodiment of the present invention, a digital asset management system and method are provided that provide digital asset investment services using a digital asset exchange through collaboration and operating key sharing among customer companies, trustees, and management companies.

In addition, according to an embodiment of the present invention, a Korean won loan service using the user's digital assets as collateral, and a service in which collateral liquidation due to loan maturity or digital asset price decline is entrusted to a trustee terminal are provided.

In addition, according to an embodiment of the present invention, a digital asset management system and method are provided that perform digital asset payment processing on behalf of the user so that the user can pay the payment using digital assets.

In addition, according to an embodiment of the present invention, a digital asset management system and method are provided that provide digital asset protection and disclosure services of a digital asset issuer terminal using a digital asset exchange terminal and a trustee with which a disclosure data inquiry contract has been concluded. .

In addition, according to an embodiment of the present invention, when a token withdrawal transaction is requested from the consignor's terminal, the custody system can provide a service of withdrawing the transaction fee according to the token withdrawal transaction through a payment account and paying it to the smart contractor.

Additionally, according to an embodiment of the present invention, security can be strengthened by utilizing multi-factor authentication and multi-signature.

1 is a configuration diagram of a digital asset management system according to an embodiment of the present invention.

Figure 2 is a configuration diagram of a trustee terminal constituting a digital asset management system according to an embodiment of the present invention.

Figure 3 is a flowchart showing the process of creating an applicant account and an approver account in a digital asset management method according to an embodiment of the present invention.

Figure 4 is a flowchart showing the digital asset management application and approval process of the digital asset management method according to an embodiment of the present invention.

Figure 5 is a flowchart showing the digital asset management application and approval process of the digital asset management method according to another embodiment of the present invention.

The advantages and features of the present invention and methods for achieving them will become clear by referring to the embodiments described in detail below along with the accompanying drawings. However, the present invention is not limited to the embodiments disclosed below and may be implemented in various different forms. The present embodiments are merely provided to ensure that the disclosure of the present invention is complete and to be understood by those skilled in the art. It is provided to fully inform those who have the scope of the invention, and the present invention is only defined by the scope of the claims. Like reference numerals refer to like elements throughout the specification.

In this specification, when a part 'includes' a certain component, this means that it may further include other components rather than excluding other components unless specifically stated to the contrary. As used herein, '~unit' refers to a unit that processes at least one function or operation, and may mean, for example, software, FPGA, or hardware components. The functions provided in '~ part' may be performed separately by multiple components, or may be integrated with other additional components. '~ part' in this specification is not necessarily limited to software or hardware, and may be configured to be in an addressable storage medium, or may be configured to reproduce one or more processors. Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.

1 is a configuration diagram of a digital asset management system according to an embodiment of the present invention. Referring to Figure 1, the digital asset management system 10 according to an embodiment of the present invention includes one or more consignor terminals 100, one or more trustee terminals 200, a trustee DB 300, and a digital asset exchange terminal 400. , may include an operator terminal 500, and a user terminal 600.

The trustor terminal 100 may be a terminal related to a trustor that entrusts the storage and management of digital assets to the trustor terminal 200. For example, the consignor terminal 100 may be a terminal belonging to an organization (consignor) such as a company, institution, or organization that holds digital assets.

The consignor terminal 100 may be provided as a terminal such as a desktop PC, laptop, notebook, smartphone, or smart pad, but is not limited thereto. The consignor terminal 100 may include one or more manager terminals 110, one or more applicant terminals 120, and one or more approver terminals 130.

The manager terminal 110, the applicant terminal 120, the approver terminal 130, the trustee terminal 200, the digital asset exchange terminal 400, and the operator terminal 500 are connected through a wired/wireless communication network and can communicate with each other. You can.

The manager terminal 110 may be a terminal that requests the trustee terminal 200 for an owner account, an applicant account, and an approver account to entrust the storage and management of digital assets held by a trustee such as a company to the trustee.

The applicant terminal 120 accesses the applicant account issued by the trustee terminal 200 in accordance with the request for digital asset storage and management from the manager terminal 110 and allows the applicant to apply for digital asset management such as storage and transfer of digital assets. It may be the terminal you are using.

In an embodiment of the present invention, the digital asset that the consignor entrusts to the trustee may include a plurality of virtual currencies selected from virtual currencies including Bitcoin, Ethereum, and Klaytn.

The approver terminal 130 may be a terminal used by an approver who accesses the approver account issued by the trustee terminal 200 and approves the digital asset management application applied by the applicant terminal 120.

The trustee terminal 200 is entrusted with the storage and management of digital assets from the trustee terminal 100 and can provide a service for storing and managing digital assets requested from the trustee terminal.

The trustee database (DB) 300 contains digital asset information entrusted from the consignor terminal 100, owner account information, applicant account information, approver account information, and digital asset wallet information (corresponding to a random number) storing the entrusted digital assets. Wallet address), etc. can be saved.

Figure 2 is a configuration diagram of a trustee terminal constituting a digital asset management system according to an embodiment of the present invention. Referring to Figures 1 and 2, the trustee terminal 200 includes an owner account creation unit 210, a digital asset wallet register 220, an applicant account creation unit 230, an approver account creation unit 240, and an approval request unit. It may include (250), an account verification unit (260), a digital asset verification unit (270), a digital asset management unit (280), and a control unit (290).

The owner account creation unit 210 may create an owner account in response to a request for creating an owner account from the consignor terminal 100 and share it with the consignor terminal 100 . The owner account is an account granted to the consignor, and the owner account created by the owner account creation unit 210 may be recorded in the trustee DB 300.

The digital asset wallet register 220 can register a digital asset wallet for storing digital assets requested from the trustor terminal 100. The digital asset wallet register 220 can register one or more digital asset wallets for each plurality of virtual currencies.

The digital asset wallet register 220 divides a plurality of digital asset wallets, including a first digital asset wallet requested for registration by the trustor terminal 100 and a second digital asset wallet verified through digital asset history, into a whitelist digital asset wallet. You can register.

Among the plurality of digital asset wallets registered as whitelist digital asset wallets, the digital asset wallet that can be selected by the applicant account can be set individually for each applicant account.

The applicant account creation unit 230 may create an applicant account according to a request for creating an applicant account from the consignor terminal 100 related to the owner account and share it with the consignor terminal 100.

The applicant account creation unit 230 may create an applicant account for each virtual currency and digital asset wallet. The applicant account created by the applicant account creation unit 230 may be recorded in the trustee DB 300.

The approver account creation unit 240 may create an approver account in response to a request for creating an approver account from the consignor terminal 100 related to the owner account and share it with the consignor terminal 100 .

The approver account creation unit 240 may create an approver account for each of a plurality of virtual currency and digital asset wallets. The approver account created by the approver account creation unit 240 may be recorded in the trustee DB 300.

The approval request unit 250 may receive a digital asset management application through the applicant account and request approval for the digital asset management application from the approver account.

The account verification unit 260 may perform verification of the digital asset management application depending on whether the digital asset management application is approved by the approver account.

The digital asset confirmation unit 270 can check the digital assets stored in the digital asset wallet related to the digital asset management application.

The digital asset management unit 280 may perform digital asset management according to the digital asset management application upon completion of verification and confirmation of the account verification unit 260 and the digital asset verification unit 270.

The control unit 290 may control each component of the trustee terminal 200 to provide a service for managing digital assets of the trustee terminal.

According to the embodiment of the present invention described above, the risk of theft and hacking of digital assets can be reduced by distributing accounts for management of digital assets into applicant accounts and approver accounts.

The approver terminal 130 may be given one approver account for each owner account, but a plurality of approver accounts may be given to the owner account. Additionally, the approver account may be set differently depending on the applicant account.

When multiple approver accounts are granted to the owner account, when the applicant terminal 120 of the consignor terminal 100 accesses the applicant account and applies for storage and management of digital assets, the trustee terminal 200 You can decide which of the approver accounts to request approval for storage and management of digital assets.

In one embodiment, the trustee terminal 200 may randomly select one or more approver accounts from among a plurality of approver accounts and request approval for storage and management of digital assets.

For example, when three approver accounts are set for an owner account, the trustee terminal 200 randomly selects one approver account among the three approver accounts and approves storage and management of digital assets with the selected approver account. You can request.

The applicant cannot know which of the three approvers will be requested to approve storage and management of digital assets. Therefore, since it is difficult for an applicant to fraudulently mock with all three approvers, theft of digital assets through prior mocking can be prevented.

Additionally, the trustee terminal 200 may determine the number of approver accounts to request approval among a plurality of approver accounts based on application information for storage and management of digital assets received through the applicant account.

For example, if the size of the digital asset requested for transfer exceeds the preset standard asset size, the trustee terminal 200 requests approval from two or three or more approver accounts and only applies if approval is obtained through all approver accounts. Transfer processing can be performed on digital assets.

On the other hand, if the size of the digital asset requested to be transferred from the applicant terminal 120 is less than or equal to the preset standard asset size, the trustee terminal 200 requests approval from one approver account and if approval is obtained through that one approver account, Transfer processing can be performed on digital assets.

Figure 3 is a flowchart showing the process of creating an applicant account and an approver account in a digital asset management method according to an embodiment of the present invention. Referring to FIGS. 1 to 3 , when the creation of an owner account is requested from the consignor terminal 100 (S11), the owner account creation unit 210 of the consignor terminal 200 may create an owner account to be issued to the consignor. (S12). The owner account information generated by the owner account creation unit 210 may be shared with the consignor terminal 100 and recorded in the consignee DB 300 (S13, S14).

When creating an owner account, the digital asset wallet register 220 may register a digital asset wallet for storing digital assets requested from the trustor terminal 100. The digital asset wallet register 220 can register one or more digital asset wallets for each plurality of virtual currencies.

The digital asset wallet register 220 can register a plurality of digital asset wallets, including a first digital asset wallet requested for registration by the trustor terminal and a second digital asset wallet verified through digital asset history, as a whitelist digital asset wallet. there is.

Among the plurality of digital asset wallets registered as whitelist digital asset wallets, a digital asset wallet that can be selected by the applicant account can be set for each applicant account.

When the creation of an applicant account and an approver account is requested from the consignor terminal 100 (S15), the applicant account creation unit 230 and the approver account creation unit 240 of the consignor terminal 200 generate the consignor terminal 100 related to the owner account. )'s request for creating an applicant account and an approver account can be created (S16).

At this time, the applicant account creation unit 230 and the approver account creation unit 240 may create an applicant account and an approver account for each plurality of virtual currency and digital asset wallets. The applicant account and the approver account created by the applicant account creation unit 230 and the approver account creation unit 240 may be shared with the consignor terminal 100 and recorded in the trustee DB 300 (S17, S18).

Figure 4 is a flowchart showing the digital asset management application and approval process of the digital asset management method according to an embodiment of the present invention. Referring to FIGS. 1, 2, and 4, the approval request unit 250 may receive a digital asset management application through the applicant account and request approval for the digital asset management application from the approver account (S21).

When the digital asset management application is approved through the approver account (S22), the account verification unit 260 performs verification of the digital asset management application depending on whether the digital asset management application is approved by the approver account and verifies the digital asset. Unit 270 can check the digital assets stored in the digital asset wallet related to the digital asset management application (S23).

Upon completion of verification and confirmation by the account verification unit 260 and the digital asset verification unit 270, the digital asset management unit 280 performs digital asset management according to the digital asset management application, and stores information related to digital asset management in the trustee database. It can be recorded at (300) (S24, S25).

According to the embodiment of the present invention described above, the account for managing digital assets is distributed into an applicant account and an approver account, and the customer company's key information is stored separately to prevent internal fraud at the customer company, theft of digital assets, and theft of digital assets. It can reduce the risk of hacking.

Figure 5 is a flowchart showing the digital asset management application and approval process of the digital asset management method according to another embodiment of the present invention. Referring to Figures 1 and 5, the trustee terminal 200 may grant a plurality of approver accounts to each applicant account for the owner account (S32).

When the applicant terminal 120 of the consignor terminal 100 accesses the applicant account and applies for storage and management of digital assets, the trustee terminal 200 stores and manages the digital assets using one of the plurality of approver accounts. You can decide whether to request approval for etc.

In one embodiment, the trustee terminal 200 may determine the number of approver accounts to request approval among a plurality of approver accounts based on application information for storage and management of digital assets received through the applicant account (S34).

The trustee terminal 200 may randomly select one or more approver accounts from among a plurality of approver accounts as many as the number of approver accounts and request approval for storage and management of digital assets (S36).

If the size of the digital asset requested for transfer exceeds the preset standard asset size, the trustee terminal 200 requests approval from two or three or more approver accounts, and only if approved through all approver accounts is the Previous processing can be performed.

For example, if the trustee terminal 200 determines to randomly select two approver accounts based on the size of the digital asset requested by the applicant account, it randomly selects two approver accounts among the three approver accounts and Approval for storage and management of digital assets can be requested through the approver account (S38).

Applicants cannot know which of the multiple approvers will be requested to approve storage and management of digital assets. Therefore, since it is difficult for the applicant to fraudulently mock all approvers, it is possible to prevent theft of digital assets from companies, etc. through prior mocking.

Referring again to FIG. 1, when the consignor terminal 100 requests the trustee terminal 200 to entrust and operate digital assets, the trustee terminal 200 creates a trustee wallet for management of digital assets for each consignor terminal 100. Generated and registered in the digital asset exchange terminal 400, one or more operating keys generated by the digital asset exchange terminal 400 are shared with the consignor terminal 100 and the manager terminal 500, and from the manager terminal 500 A series of digital asset investment services can be provided by receiving operation data or analyzing operation data by the consignor terminal 100 and/or the trustee terminal 200 to calculate profits from digital asset investment and provide them to the consignor.

The trustor terminal 100 is a terminal of a trustor holding digital assets, and may be a terminal related to the trustor entrusting the storage and management of digital assets, especially investment, to the trustee terminal 200. For example, the consignor terminal 100 may be a terminal belonging to a group (consignor) such as a company, institution, or organization that holds digital assets, or a terminal used by an individual not belonging to an organization such as a company.

The manager terminal 110 may be a terminal that requests the trustee terminal 200 for an owner account, an applicant account, and an approver account for entrusting the storage, management, and investment of digital assets held by a trustee such as a company or individual to the trustee. .

The trustee terminal 200 is entrusted with the storage, management, and investment of digital assets from the trustee terminal 100, and provides digital asset-related services such as storing and managing digital assets requested by the trustee terminal 100, as well as investing digital assets. can be provided.

The trustee DB 300 includes digital asset information entrusted from the consignor terminal 100, owner account information, applicant account information, approver account information, and digital asset wallet information (e.g., corresponding to a random number) storing the entrusted digital assets. You can store digital asset wallet address/wallet account, etc.

Figure 6 is a flowchart of a digital asset investment method using a digital asset exchange performed by a digital asset management system according to an embodiment of the present invention. Figure 7 is a conceptual diagram of a digital asset investment method performed by a digital asset management system according to an embodiment of the present invention. 1, 6, and 7, first, one or more consignor terminals 100 corresponding to one or more customer companies may entrust digital assets to the trustee terminal 200 and request operation (S1). .

The trustee terminal 200, which has received digital assets entrusted from the trustee terminal 100, creates a trustee wallet for the management of digital assets for each trustee terminal 100 corresponding to a customer company (including individuals, companies, institutions, etc.) and collects the digital assets. You can register at the exchange terminal 400 (S2). Accordingly, the customer's digital assets can be stored in the trustee wallet corresponding to the trustee terminal 200 and used for investment.

The digital asset exchange terminal 400 may generate one or more operating keys for digital asset management (e.g., password/password for digital asset investment) for the trustee wallet held by the trustee and transmit it to the trustee terminal 200. (S3, S4). The trustee terminal 200 can share the operation key by providing the operation key received from the digital asset exchange terminal 400 to the trustee terminal 100 and/or the manager terminal 500 that operates the digital asset (S5, S6).

The manager terminal 500 can trade and invest/manage digital assets stored in the trustee wallet using the operation key provided from the trustee terminal 200, and operation data and profit information according to digital asset management using the operation key. Can be provided to the trustee terminal 200 (S7, S8). The trustee terminal 200 can receive management data and profit information according to the digital asset investment by the manager terminal 500, and provide the profit according to the management data to the trustee terminal 100 after deducting the fee ( S9).

Through this series of digital asset investment processes, the trustor entrusts the investment of digital assets to the trustee terminal 200, thereby enabling collaboration and operation between the trustee terminal 200, the digital asset exchange terminal 400, and the manager terminal 500. Through key sharing, you can maximize profits from investing in digital assets while reducing the inconvenience caused by investing in digital assets.

In the embodiment, the trustee wallet includes a trustee representative wallet 20 registered as the representative wallet of the trustee terminal 200, and one or more trustee sub-wallets 30 registered as sub-wallets of the trustee representative wallet based on the customer company (trustor). may include. For example, if the number of consignors registered in the trustee terminal 200 is N, N trustee sub-wallets 30 may be registered as sub-wallets in the trustee representative wallet 20.

In the embodiment, each trustee sub-wallet 30 includes a manager sub-wallet 32 that can be operated by the manager terminal 500, a customer company sub-wallet 34 that can be operated by a customer company by the trustee terminal 100, and a trustee terminal. It may include a trustee sub-wallet (36) that can be operated by (200). That is, the management company sub-wallet 32, the customer company sub-wallet 34, and the trustee sub-wallet 36 may be registered as sub-wallets of the trustee sub-wallet 30.

In step S3, the digital asset exchange terminal 500 includes a first operating key for digital asset management of the manager terminal 500, a second operating key for digital asset management of the trustee terminal 100, and a trustee terminal 200 ) generate a third operating key for digital asset management, and use the created first operating key (manager operating key), second operating key (trustee operating key), and third operating key (trustee operating key) to the trustee terminal ( 200).

The trustee terminal 200 provides the first operating key received from the digital asset exchange terminal 400 to the manager terminal 500, the second operating key to the consignor terminal 100, and the third operating key to the trustee. It can be stored for self-investment of the terminal 200. Digital assets stored in the management company sub-wallet 32, the customer company sub-wallet 34, and the trustee sub-wallet 36 may be operated by different operating keys (the first to third operating keys described above).

Among the digital assets stored in the trustee representative wallet 20, digital assets operated using the first operating key by the manager terminal 500 may be classified and stored in the manager sub-wallet 32. Among the digital assets stored in the trustee representative wallet 20, digital assets operated by the trustee terminal 100 using the second operating key may be classified and stored in the customer company sub-wallet 34. Among the digital assets stored in the trustee representative wallet 20, digital assets operated by the trustee terminal 200 using the third operating key may be classified and stored in the trustee sub-wallet 36.

The total sum of digital assets stored in the management company sub-wallet (32), the client company sub-wallet (34), and the trustee sub-wallet (36) are counted in the trustee sub-wallet (30), and the management company, consignor, and trustee each have their own trustee sub-wallet. Digital assets can be operated within the digital asset limits aggregated in (30). At this time, the management company, consignor, trustee, and user can indicate which sub-wallet among the management company sub-wallet (32), the customer company sub-wallet (34), or the trustee sub-wallet (36) to sell the digital assets held in the terminal. You can also select it from the interface screen.

The trustee terminal 200 stores the number of digital assets stored, the digital asset storage period, the digital asset operation return rate, and the digital asset operation per unit period for each of the management company sub-wallet 32, the customer company sub-wallet 34, and the trustee sub-wallet 36. Profit rates, etc. can be calculated. In this way, the management company sub-wallet 32, the customer company sub-wallet 34, and the trustee sub-wallet 36 are classified and managed as sub-wallets of the trustee sub-wallet 30, and investments, etc. are operated using different operation keys. By allowing you to clearly distinguish the profits from digital asset investment between the management company, customer company, and trustee, this can be used as basis for fees or investment success incentives between each entity.

Figure 8 is a flowchart showing a digital asset-secured won loan service performed by a digital asset management system according to an embodiment of the present invention. Referring to Figures 1 and 8, the digital asset management system 10 provides a service in which the credit company terminal 100a, corresponding to the consignor terminal 100, lends won in Korean won using the user's digital assets as collateral, and provides loan maturity or digital assets. By entrusting the process of liquidating collateral due to a decline in asset prices to the trustee terminal 200, users can conveniently receive won loans collateralized by digital assets and at the same time prevent risk factors due to digital asset volatility when digital asset prices fall. It is to make it possible.

The digital asset management system 10 according to an embodiment of the present invention requests digital asset management by entrusting transactions/investments such as purchasing or selling digital assets to the trustee terminal 200 when the credit company terminal 100a requests the trustee terminal 200 to operate the digital asset. (200) creates a trustee wallet for management of digital assets for each creditor terminal (100a), registers it in the digital asset exchange terminal (400), and credits one or more operating keys generated by the digital asset exchange terminal (400). It is shared with the company terminal 100a, the manager terminal 500, and the user terminal 600, and operation data is provided from the manager terminal 500 or operated by the credit company terminal 100a and/or the trustee terminal 200. By analyzing data and calculating profits from digital asset investment, we can provide a series of digital asset investment services to consignors.

The credit company terminal (100a) is a credit company terminal that provides a service of lending won in Korean Won using the user's digital assets as collateral, and at the same time, the trustee terminal (200) provides storage and management, trading (selling), and trading (selling) of the user's digital assets. It may be a consignor terminal corresponding to a consignment company that entrusts investment. The credit company terminal 100a may be a terminal of an online investment-linked financial company that provides P2P loan services.

The trustee terminal 200 is entrusted with the purchase, sale, storage, transfer, investment, etc. of digital assets from the credit company terminal 100a, and stores and manages digital assets requested from the credit company terminal 100a. We can provide services related to digital assets you invest in.

The trustee DB 300 provides various information related to digital assets entrusted from the credit company terminal 100a, such as owner account information, applicant account information, approver account information, and digital asset wallet information for storing digital assets, which will be described later. (For example, a digital asset wallet address/wallet account corresponding to a random number) can be stored.

In an embodiment of the present invention, when a user subscribes to a digital asset investment service as well as a digital collateral loan service through a credit company, the credit company terminal 100a monetizes the user's digital assets through transactions. For this purpose, the user's digital asset investment can be entrusted to an affiliated trustee.

When the user uses the user terminal 600 to query the credit company terminal 100a for the evaluation and loan limit of the user's digital assets and provides digital assets to request a loan in Korean won (S41-1, S41-2), The credit company terminal 100a entrusts the user's digital assets to the trustee terminal 200 according to the application for a digital asset-collateralized Korean won loan from the user terminal 600 (S42).

The trustee terminal 200 receives and operates the digital assets provided as collateral by the user from the credit company terminal 100a, which is the client company, and for this purpose, a trustee wallet for management of digital assets for each trustor company and user. Create and register in the digital asset exchange terminal 400 (S43).

The credit company terminal 100a, which is an online investment-linked financial company, sets the loan limit according to the market price and collateral setting ratio of digital assets, and raises funds through P2P loan solicitation according to the market price and collateral setting ratio of digital assets. Loans won to users within the determined loan limit (S44-1, S44-2). The user can check the details of digital assets held in the trustee wallet corresponding to the user's digital asset collateral registered in the digital asset exchange terminal 400 (S44-3).

The credit company terminal 100a instructs the trustee terminal to liquidate the collateral when the won loan maturity approaches or when the market price of the digital asset falls below the standard price (S45). The trustee terminal 200 performs a process of liquidating the user's digital assets according to the collateral liquidation instructions of the creditor terminal 100a.

At this time, when a liquidation crisis situation occurs, the credit company terminal 100a may notify the user terminal 600 of the liquidation crisis situation in advance and request principal repayment, provision of additional collateral, etc. If the user terminal 600 does not respond to principal repayment, provision of additional collateral, etc., the credit company terminal 100a may instruct liquidation of the collateral through the trustee terminal 200.

To liquidate digital assets, the trustee terminal 200 purchases stable coins with digital assets held in the trustee wallet through the digital asset exchange terminal 400 and transfers the stable coins from the trustee wallet to the creditor wallet. Transfer (S46-1, S46-2, S46-3, S46-4).

The credit company terminal (100a) can sell the stable coins paid from the trustee through the digital asset exchange terminal (400) to cash them out, and sell the stable coins to pay the cash paid from the digital asset exchange to the user. (S47-1, S47-2, S47-3, S48).

Non-stable coins such as Bitcoin and Ethereum have rapid price fluctuations and take a long time to complete sales, which may delay cashing out. However, stable coins have small price fluctuations and transactions take place in real time, making them digital assets. Liquidation can be carried out quickly.

In an embodiment of the present invention, the digital asset exchange terminal 500 includes a first operating key for digital asset management of the manager terminal 500, a second operating key for digital asset management of the credit company terminal 100a, and a trustee. Generating a third operating key for digital asset operation of the terminal 200 and a fourth operating key for digital asset operation of the user terminal 600, the generated first operating key (operator operating key), and the second operating key The key (trustee operation key), the third operation key (trustee operation key), and the fourth operation key (user operation key) can be transmitted to the trustee terminal 200.

The trustee terminal 200 provides the first operating key received from the digital asset exchange terminal 400 to the manager terminal 500, the second operating key to the credit company terminal 100a, and the third operating key. It is stored for the trustee terminal 200's own investment, and the fourth operating key can be provided to the user terminal 600 through the credit company terminal 100a or directly. Digital assets stored in the management company sub-wallet 32, the customer company sub-wallet 34, the trustee sub-wallet 36, and the user sub-wallet 38 are stored in different operating keys (the first to fourth operating keys described above). It can be operated by

Among the digital assets stored in the trustee representative wallet 20, digital assets operated using the first operating key by the manager terminal 500 may be classified and stored in the manager sub-wallet 32. Among the digital assets stored in the trustee representative wallet 20, digital assets operated by the credit company terminal 100a using the second operating key may be classified and stored in the customer company sub-wallet 34.

Among the digital assets stored in the trustee representative wallet 20, digital assets operated by the trustee terminal 200 using the third operating key may be classified and stored in the trustee sub-wallet 36. Among the digital assets stored in the trustee representative wallet 20, digital assets operated by the user terminal 600 using the fourth operating key may be classified and stored in the user sub-wallet 38.

The total of digital assets stored in the management company sub-wallet (32), the customer company sub-wallet (34), the trustee sub-wallet (36), and the user sub-wallet (38) are counted in the trustee sub-wallet (30), and the management company and creditor sub-wallet (30) (Customer company, consignor), trustee, and user can each manage digital assets within the digital asset limit aggregated in the trustee sub-wallet (30).

At this time, the management company, credit company, trustee, and user sell digital assets held in any of the sub-wallets among the management company sub-wallet (32), the customer company sub-wallet (34), the trustee sub-wallet (36), and the user sub-wallet (38). You can also choose whether to do so on the interface screen provided on the terminal.

The trustee terminal 200 stores the number of digital assets stored, digital asset storage period, and digital asset operation rate of return for each management company sub-wallet 32, customer company sub-wallet 34, trustee sub-wallet 36, and user sub-wallet 38. , the digital asset operation rate of return per unit period can be calculated, and the value of each digital asset is evaluated to operate digital asset evaluation information, digital asset investment rate of return information, etc. through the credit agency terminal (100a) and/or the user terminal (600). Data can be provided. The credit company terminal 100a may update the collateral value of the user's digital assets according to the digital asset evaluation information.

In this way, the management company sub-wallet 32, the customer company sub-wallet 34, the trustee sub-wallet 36, and the user sub-wallet 38 are classified and managed as sub-wallets of the trustee sub-wallet 30, and are operated differently. By enabling operations such as investments to be performed using keys, the profits from digital asset investment by the management company, customer company (credit company), trustee, and user can be clearly distinguished, and this can be divided into fees, investment success incentives, etc. between each entity. It can be used as basis for reevaluation of collateral value.

Figure 9 is a flowchart showing a digital asset payment agency service performed by a digital asset management system according to an embodiment of the present invention. Referring to Figures 1 and 9, the digital asset management system 10 allows the payment company terminal 100b, which corresponds to the consignor terminal 100, which is a customer sign, to purchase digital assets for processing the user's payment to the trustee terminal 200. A digital asset payment agency service that creates a trustee wallet by requesting consignment, checks the digital assets held in the trustee wallet, pays the payment, and settles the payment by receiving won from the trustee following the sale of digital assets. can be provided.

The payment company terminal 100b is a terminal of the payment company that processes payments using the user's digital assets, and at the same time entrusts the storage and management, trading (selling), and investment of the user's digital assets to the trustee terminal 200. It may be a consignor terminal related to the consignor. For example, the payment company terminal 100b may be a terminal of a simple payment company such as Naver Pay or Kakao Pay.

The trustee terminal 200 entrusts the purchase, sale, storage, transfer, investment, etc. of digital assets from the payment company terminal 100b, and stores and manages the digital assets requested from the payment company terminal 100b. We can provide services related to digital assets you invest in.

The trustee DB 300 provides various information related to digital assets entrusted from the payment company terminal 100b, such as owner account information, applicant account information, approver account information, and digital asset wallet information for storing digital assets, which will be described later. (For example, a digital asset wallet address/wallet account corresponding to a random number) can be stored.

In an embodiment of the present invention, when a user subscribes to a digital asset payment service through a simple payment company as well as a digital asset investment service, the payment company terminal 100b monetizes the user's digital assets through transactions. For this purpose, the user's digital asset investment can be entrusted to an affiliated trustee.

In order for a user to process a payment using digital assets through a simple payment company, the user terminal 600 may request the purchase of digital assets from the payment company terminal 100b (S51). If the user already holds digital assets greater than the payment amount, step S51 can be omitted.

The payment company terminal 100b, which has received a request to purchase digital assets from the user terminal 600, may request the trustee terminal 200 to entrust the purchase of digital assets to process the user's payment (S52). The trustee terminal 200 can create a trustee wallet for management of digital assets for each payment company/user corresponding to the customer terminal, and register it in the digital asset exchange terminal 400 (S53).

The trustee terminal 200 can purchase digital assets in the trustee wallet by the digital asset exchange terminal 400 (S54-1, S54-2) and notify the result of the digital asset purchase to the payment company terminal 100b. (S54-3). The payment company terminal 100b can query the user terminal 600 for digital asset information, purchase history, balance, etc. according to the purchase of digital assets, and provide the corresponding information to the user terminal 600 (S55-1) , S55-2).

After purchasing/recharging digital assets through card payment, account transfer, etc., the user may request payment or sale of digital assets to the payment company terminal (100b) through the user terminal (600) (S56). The payment company terminal 100b can check the digital assets stored in the trustee wallet, process the payment requested by the user terminal 600, and pay the merchant payment amount (S57).

The payment company terminal 100b may request the trustee terminal 200 to sell digital assets corresponding to the user's payment amount at the affiliated store (S58-1). The trustee terminal 200 requests the digital asset exchange terminal 400 to transfer digital assets (S58-2), receives payment in won from the digital asset exchange terminal 400 in accordance with the sale of the digital asset, and then settles the received won. Payment/receivables can be cleared by transmitting to the company terminal (100b) (S59-1, S59-2, S59-3, S60).

The trustee terminal 200, which has received digital assets entrusted from the payment company terminal 100b, creates a trustee wallet for management of digital assets for each payment company terminal 100b corresponding to the customer company and registers it in the digital asset exchange terminal 400. You can. Accordingly, at the request of the customer, the user's digital assets can be stored in the trustee wallet and used for investment.

The digital asset exchange terminal 400 may generate one or more operating keys for digital asset management (e.g., password/password for digital asset investment) for the trustee wallet held by the trustee and transmit it to the trustee terminal 200. . The trustee terminal 200 provides the operation key received from the digital asset exchange terminal 400 to the payment company terminal 100b, the manager terminal 500 that operates the digital asset, and/or the user terminal 600 to provide the operation key. can be shared.

The manager terminal 500 can trade and invest/manage digital assets stored in the trustee wallet using the operation key provided from the trustee terminal 200, and operation data and profit information according to digital asset management using the operation key. Can be provided to the trustee terminal 200. The trustee terminal 200 can receive management data and profit information according to the digital asset investment by the management company terminal 500, and provide the profit according to the management data to the payment company terminal 100b after deducting the fee. . At least a portion of the profits provided to the payment company terminal 100b may subsequently be refunded to the user.

Through this series of digital asset investment processes, the payment company terminal 100b, which is the consignor, entrusts the investment of digital assets to the trustee terminal 200, and the trustee terminal 200 and the digital asset exchange terminal 400, Through collaboration and sharing of operating keys between the manager terminal 500 and the user terminal 600, it is possible to maximize profits from digital asset investment while reducing inconvenience caused by investment in digital assets.

In the embodiment, the trustee sub-wallet 30 includes a management company sub-wallet 32 that can be operated by the management company terminal 500, a customer company sub-wallet 34 that can be operated by a customer company by the payment company terminal 100b, and a trustee terminal 200. ) may include a trustee sub-wallet 36 that can be operated by and a user sub-wallet 38 that can be operated by the user terminal 600. That is, the management company sub-wallet 32, the customer company sub-wallet 34, the trustee sub-wallet 36, and the user sub-wallet 38 can be registered as sub-wallets of the trustee sub-wallet 30.

The digital asset exchange terminal 500 includes a first operating key for digital asset management of the manager terminal 500, a second operating key for digital asset management of the payment company terminal 100b, and a digital asset of the trustee terminal 200. Generating a third operating key for operation and a fourth operating key for digital asset operation of the user terminal 600, the generated first operating key (manager operating key), second operating key (consignor operating key), The third operation key (trustee operation key) and the fourth operation key (user operation key) can be transmitted to the trustee terminal 200.

The trustee terminal 200 provides the first operating key received from the digital asset exchange terminal 400 to the manager terminal 500, the second operating key to the payment company terminal 100b, and the third operating key It is stored for the trustee terminal 200's own investment, and the fourth operating key can be provided to the user terminal 600 through the payment company terminal 100b or directly. Digital assets stored in the management company sub-wallet 32, the customer company sub-wallet 34, the trustee sub-wallet 36, and the user sub-wallet 38 are stored in different operating keys (the first to fourth operating keys described above). It can be operated by

Among the digital assets stored in the trustee representative wallet 20, digital assets operated using the first operating key by the manager terminal 500 may be classified and stored in the manager sub-wallet 32. Among the digital assets stored in the trustee representative wallet 20, digital assets operated using the second operating key by the payment company terminal 100b may be classified and stored in the customer company sub-wallet 34.

The total sum of digital assets stored in the management company sub-wallet (32), the customer company sub-wallet (34), the trustee sub-wallet (36), and the user sub-wallet (38) are counted in the trustee sub-wallet (30), and the management company and payment company , trustees, and users can each manage digital assets within the limits of digital assets aggregated in the trustee sub-wallet (30).

At this time, the management company, payment company, trustee, and user sell digital assets held in any of the sub-wallets among the management company sub-wallet (32), the customer company sub-wallet (34), the trustee sub-wallet (36), and the user sub-wallet (38). You can also choose whether to do so on the interface screen provided on the terminal.

The trustee terminal 200 stores the number of digital assets stored, digital asset storage period, and digital asset operation rate of return for each management company sub-wallet 32, customer company sub-wallet 34, trustee sub-wallet 36, and user sub-wallet 38. , the digital asset operation rate of return per unit period can be calculated, and the value of each digital asset can be evaluated to provide operational data such as digital asset investment rate of return information to the payment company terminal (100b) and/or the user terminal (600). there is.

In this way, the management company sub-wallet 32, the customer company sub-wallet 34, the trustee sub-wallet 36, and the user sub-wallet 38 are classified and managed as sub-wallets of the trustee sub-wallet 30, and are operated differently. By enabling operations such as investments to be performed using keys, the profits from digital asset investment by the management company, customer company (payment company), trustee, and user can be clearly distinguished, and this can be divided into fees, investment success incentives, etc. between each entity. It can be used as evidence for.

Figure 10 is a flowchart showing the protection service performed by the digital asset management system according to an embodiment of the present invention. Figure 11 is a conceptual diagram to explain the process of investing digital assets using a digital asset exchange according to an embodiment of the present invention. Referring to FIGS. 1, 10, and 11, the digital asset management system 10 according to an embodiment of the present invention provides a custody service related to the listing of digital assets of the digital asset issuer terminal 100c corresponding to the consignor terminal. In addition, the trustee terminal 200, which has entered into a public data inquiry contract, receives the digital assets of the digital asset issuer, creates a wallet dedicated to the issuer, and issues a custody certificate to the digital asset issuer terminal, and the digital asset issuer terminal 100c is the trustee. The protection certificate issued by the terminal 200 is submitted to the digital asset exchange terminal 400 to receive approval for listing the digital asset.

The digital asset issuer terminal 100c may request listing of digital assets from the digital asset exchange terminal 400, and may receive a request from the digital asset exchange terminal 400 for protection deposit disclosure data according to the digital asset listing request.

The trustee terminal 200 receives digital assets for disclosure of protected deposits from the digital asset issuer terminal 100c, which has received a request for protected deposit disclosure data, creates a dedicated digital asset wallet, and provides a protected deposit certificate to the digital asset issuer terminal 100c. can be issued.

The custody certificate may include information such as the number of digital assets requested by the digital asset issuer terminal (100c), the consignor (digital asset issuer) entrusted with entrusting the trust of the digital assets, and the consignee who received the digital assets from the consignor. there is.

The trustee DB 300 provides various information related to digital assets entrusted from the digital asset issuer terminal 100c, such as owner account information, applicant account information, approver account information, and a digital asset wallet for storing digital assets, which will be described later. Information (e.g., digital asset wallet address/wallet account corresponding to a random number) can be stored.

The digital asset issuer terminal 100c may submit the custody certificate issued by the trustee terminal 200 to the digital asset exchange terminal 400 in order to receive approval for listing the digital asset.

The trustee terminal 200 receives digital assets from the digital asset issuer terminal 100c, issues a custody certificate, and performs digital asset related activities such as storage, management, purchase, sale, transfer, and investment of the digital asset issuer's digital assets. Services can be provided.

In addition, the digital asset management system 10 according to an embodiment of the present invention allows the digital asset issuer terminal 100c to request digital asset management by entrusting transactions/investments such as purchasing or selling digital assets to the trustee terminal 200. , the trustee terminal 200 registers an issuer-specific wallet for management of digital assets in the digital asset exchange terminal 400, and sends one or more operating keys generated by the digital asset exchange terminal 400 to the digital asset issuer terminal (100c). ), and shared with the manager terminal 500, and receive management data from the manager terminal 500 or analyze the management data by the digital asset issuer terminal 100c and/or the trustee terminal 200 according to the digital asset investment. We can provide a series of digital asset investment services that calculate profits and provide them to consignors.

The digital asset issuer terminal 100c is a terminal of a digital asset issuer that issues digital assets and entrusts the digital assets to the trustee terminal 200 and requests the issuance of a custody certificate. At the same time, the digital asset issuer is a terminal of the digital asset issuer to the trustee terminal 200. It may be a consignor terminal corresponding to a consignor that entrusts the storage and management, transaction (sales), and investment of issued digital assets.

First, a public data inquiry contract is concluded between the trustee terminal 200 and the digital asset exchange terminal 400 (S61). When the digital asset issuer terminal (100c) requests digital asset listing to the digital asset exchange terminal (400), the digital asset exchange terminal (400) requests protection deposit disclosure data from the digital asset issuer terminal (100c) (S62, S63) ).

The digital asset exchange terminal (100c), which has received a request for protection deposit disclosure data from the digital asset exchange terminal (400), entrusts the digital assets to the trustee terminal (200) with which a disclosure data inquiry contract has been concluded with the digital asset exchange terminal (400) ( S64).

The trustee terminal 200 creates an issuer-specific wallet for the trust of digital assets and issues a custody certificate to the digital asset issuing terminal 100c (S65, S66). An issuer-only wallet may include an issuer representative wallet and one or more issuer sub-wallets registered as sub-wallets of the issuer representative wallet.

The digital asset issuer terminal 100c may submit the protection deposit certificate issued by the trustee terminal 200 to the digital asset exchange terminal 400 (S67). The digital asset exchange terminal 400 may approve the listing of digital assets according to the protection deposit certificate submitted by the digital asset issuer terminal 100c (S68).

The digital asset exchange terminal 400 can inquire and announce the status of protected deposits to the trustee terminal 200 (S69-1, S69-2). The trustee terminal 200 can notify the digital asset exchange terminal 400 of expiration and withdrawal of the protection deposit (S70).

Next, the process by which the trustee terminal 200, corresponding to a trustee, receives digital assets from a digital asset issuer and provides investment services through digital asset trading will be described. In order to obtain investment returns through digital assets issued by the digital asset issuer terminal 100c, the digital asset issuer terminal 100c can entrust digital asset investment to the trustee terminal 200. The trustee terminal 200, which has entrusted the investment from the digital asset issuer terminal 100c, can generate digital asset investment profits by operating digital assets issued by the digital asset issuer through the manager terminal 500 of the affiliated management company.

The manager terminal 500 can trade and invest/manage digital assets stored in the issuer's dedicated wallet using the operating key provided by the trustee terminal 200, and operation data and profits according to digital asset management using the operating key. Information can be provided to the trustee terminal 200. The trustee terminal 200 can receive management data and profit information according to digital asset investment by the manager terminal 500, and provide the profits according to the management data to the digital asset issuer terminal 100c after deducting the fee. there is.

Through this series of digital asset investment processes, the digital asset issuer terminal 100c, which is the consignor, entrusts the investment of digital assets to the trustee terminal 200, and the trustee terminal 200 and the digital asset exchange terminal 400 , and through collaboration and sharing of operating keys of the manager terminal 500, it is possible to maximize profits from digital asset investment while reducing inconvenience caused by investment in digital assets.

In the embodiment, the issuer-only wallet includes the issuer representative wallet 20 registered as the representative wallet of the trustee terminal 200, and one or more issuer representative wallets registered as sub-wallets of the issuer representative wallet based on the digital asset issuer that is the customer (custodian). It may include a sub-wallet 30.

In the embodiment, the issuer sub-wallet 30 includes a manager sub-wallet 32 that can be operated by the manager terminal 500, a customer company sub-wallet 34 that can be operated by a customer company by the digital asset issuer terminal 100c, and a trustee terminal. It may include a trustee sub-wallet (36) that can be operated by (200). That is, the management company sub-wallet 32, the customer company sub-wallet 34, and the trustee sub-wallet 36 may be registered as sub-wallets of the issuer representative wallet 20.

The digital asset exchange terminal 500 includes a first operating key for digital asset management of the manager terminal 500, a second operating key for digital asset management of the digital asset issuer terminal 100c, and the trustee terminal 200. Generate a third operating key for digital asset operation, and use the generated first operating key (manager operating key), second operating key (trustee operating key), and third operating key (trustee operating key) at the trustee terminal (200). ) can be transmitted.

The trustee terminal 200 provides the first operating key received from the digital asset exchange terminal 400 to the manager terminal 500, the second operating key to the digital asset issuer terminal 100c, and the third operating key. Can be stored for self-investment of the trustee terminal 200. Digital assets stored in the management company sub-wallet 32, the customer company sub-wallet 34, and the trustee sub-wallet 36 may be operated by different operating keys (the first to third operating keys described above).

Among the digital assets stored in the issuer representative wallet 20, digital assets operated using the first operating key by the manager terminal 500 may be classified and stored in the manager sub-wallet 32. Among the digital assets stored in the issuer representative wallet 20, digital assets operated using the second operating key by the digital asset issuer terminal 100c may be classified and stored in the customer company sub-wallet 34. Among the digital assets stored in the issuer representative wallet 20, digital assets operated using the third operating key by the trustee terminal 200 may be classified and stored in the trustee sub-wallet 36.

The total of digital assets stored in the management company sub-wallet (32), the customer company sub-wallet (34), and the trustee sub-wallet (36) are counted in the issuer sub-wallet (30), and the management company and digital asset issuer (client company, trustee company) , Trustees can operate digital assets within the limits of digital assets aggregated in each issuer's sub-wallet (30).

At this time, the management company, digital asset issuer, and trustee use the interface screen provided on the terminal to determine which sub-wallet among the management company sub-wallet (32), the customer company sub-wallet (34), and the trustee sub-wallet (36) to sell the digital assets held in. You can also select from .

The trustee terminal 200 stores the number of digital assets stored, digital asset storage period, digital asset operation return rate, and digital asset operation per unit period for each management company sub-wallet 32, customer company sub-wallet 34, and trustee sub-wallet 36. The rate of return can be calculated, and operational data such as digital asset investment return information and investment rate of return information can be provided to the digital asset issuer terminal (100c).

In this way, the management company sub-wallet 32, the customer company sub-wallet 34, and the trustee sub-wallet 36 are classified and managed as sub-wallets of the issuer sub-wallet 30, and investments, etc. are operated using different operating keys. It is possible to clearly distinguish the profits from digital asset investment of the management company, client company (digital asset issuer), and trustee, and this can be used as basis for fees or investment success incentives between each entity.

Figure 12 is a flow chart of a token withdrawal transaction fee payment method using a smart contract provided by a digital asset management system according to an embodiment of the present invention. FIG. 13 is a conceptual diagram for explaining step S100 of FIG. 12. Referring to FIGS. 1, 12, and 13, first, a smart contract 700 related to the custody system corresponding to the trustee terminal is delegated the authority to allow withdrawal of digital assets from one or more trustee terminals 100, respectively, and digital assets ( For example, a step of receiving approval for withdrawal of torque (ERC-20, ERC-721, ERC-1155, etc.) related to virtual currencies such as Bitcoin, Ethereum, and Klaytn may be performed (S100). At this time, the consignor can directly pay the transaction fee to the smart contract 700 through the consignor terminal 100.

FIG. 14 is a conceptual diagram for explaining step S200 of FIG. 12. Referring to FIGS. 1, 2, 12, and 14, when the custody system 10 receives a request for withdrawal of digital assets from the consignor terminal 100, the custody system 10 sends a request to the verification logic 262 of the custody system 10. Data related to withdrawal of digital assets can be verified (S200).

Multiple approvers who have been requested to approve digital asset management can each access the approver account and approve digital asset management through two or more authentications. Security can be improved through such multi-factor authentication. Multi-factor authentication can be determined by two or more of various authentication methods, for example, password authentication, ID authentication, facial recognition, and biometric recognition (fingerprint recognition). Meanwhile, the number or type of authentication methods corresponding to multifactor authentication may be set differently for each approver account.

FIG. 15 is a conceptual diagram for explaining step S300 of FIG. 12. Referring to FIGS. 1, 2, 12, and 15, when data related to withdrawal of digital assets is verified, the custody system 10 deposits the digital assets through the payment account 12 of the custody system 10. The transaction fee, which is a fee related to the transaction, can be withdrawn and paid to the smart contract 700 instead of the consignor terminal (S300).

FIG. 16 is a conceptual diagram for explaining step S400 of FIG. 12. Figure 17 is a conceptual diagram of a custody system constituting a digital asset management system according to an embodiment of the present invention. Referring to FIGS. 1, 2, 12, and 16, the smart contract 700 receives the transaction fee from the custody system 10 through the payment account 12, and collects the digital transaction fee requested by the consignor terminal 100 for withdrawal. By approving the delivery of tokens related to the asset, the corresponding digital asset can be transmitted to the recipient's account related to the recipient terminal (500) (S400).

According to an embodiment of the present invention, from the perspective of a customer corresponding to a consignor terminal, digital assets can be delivered to the recipient more conveniently without having to consider the occurrence of transaction fees that vary depending on the type of virtual asset and transaction situation. In addition, from the custodian's perspective, they can attract customers by paying transaction fees, and can also receive a certain fee from customers or earn additional income such as advertising due to the increase in customers.

In one embodiment, the trustee terminal 200 selects all of the plurality of approver accounts, or randomly selects two or more approver accounts from the plurality of approver accounts, and uses the selected plurality of approver accounts to store and manage digital assets. You can request approval.

The trustee terminal 200 receives a digital asset management application (withdrawal application) from the withdrawal applicant through the applicant account by the approval request unit 250 and requests approval for the digital asset management application (withdrawal application) from a plurality of approver accounts. (S71).

The trustee terminal 200 can perform verification of the digital asset management application depending on whether the digital asset management application is approved by a plurality of approver accounts (withdrawal approval authority accounts) by the account verification unit 260 (S72). .

The distributed storage unit of the trustee DB (300) can distribute and store a number of distributed keys (40) using Shamir’s Key Distribution method to sign the multi-sig wallet (60) used for digital asset management. The plurality of distribution keys 40 may be distributed and stored in the database or storage of the trustee DB 300, respectively.

The account verification unit 260 of the trustee terminal 200 may approve a digital asset management application upon completion of approval from a set number of approver accounts among a plurality of approver accounts (S2). In an embodiment, the account verification unit 260 may approve a digital asset management application upon completion of approval from more than half of the approver accounts among the plurality of approver accounts.

The digital asset management unit 280 of the trustee terminal 200 may generate the master key 50 by combining at least two of the plurality of distribution keys 40. In an embodiment, the digital asset management unit 280 may generate the master key 50 by combining more than half of the distribution keys 40 among the plurality of distribution keys 40.

Multiple distribution keys 40 may be set to correspond to multiple approver accounts, but may also be distributed and stored independently of the approver accounts. When the multiple distribution keys 40 are set to correspond to multiple approver accounts, the master key 50 can be generated by the distributed keys corresponding to the approver accounts that approved the digital asset management application among the multiple approver accounts. there is.

If the multiple distribution keys 40 are set independently of the approver account, the master key 50 is generated by selecting and combining two or more distribution keys among the multiple distribution keys 40 according to preset rules or at random, or generating the master key 50 as a whole. The master key 50 can also be generated by combining all of the distributed keys 40.

Finally, upon completion of verification by the account verification unit 260, the trustee terminal 200 can perform digital asset management (withdrawal processing, etc.) according to the digital asset management application by the digital asset management unit 280. The digital asset management unit 280 of the trustee terminal 200 performs digital asset management (withdrawal processing) by signing the multi-sig wallet 60 with the master key 50 generated by combining a plurality of distribution keys 40. You can.

The digital asset management unit 280 of the trustee terminal 200 performs digital asset management (withdrawal processing) by signing the multi-sig wallet 60 with the master key 50 generated by combining a plurality of distribution keys 40. (S74, S75).

For example, when three or more approver accounts are set for an owner account, the trustee terminal 200 randomly selects two or more approver accounts among the three or more approver accounts and stores digital assets with the selected approver accounts. Approval for management may be requested.

Applicants cannot know which of three or more approvers will be requested to approve storage and management of digital assets. Therefore, since it is difficult for an applicant to fraudulently mock with all three or more approvers, theft of digital assets through prior mocking can be prevented.

For example, if the size of the digital asset requested to be transferred or withdrawn exceeds the preset standard asset size, the trustee terminal 200 requests approval from two or three or more approver accounts and approval is obtained through all approver accounts. Processing such as transfer or withdrawal of the corresponding digital asset can only be performed.

On the other hand, if the size of the digital asset requested to be transferred or withdrawn from the applicant terminal 120 is less than or equal to the preset standard asset size, the trustee terminal 200 requests approval from one approver account and approves it through that one approver account. Once this happens, processing such as transfer or withdrawal of digital assets can be performed.

According to the embodiment of the present invention described above, the account for managing digital assets is distributed into an applicant account and an approver account, and the customer company's key information is distributed and stored into a plurality of distributed keys using Shamir's Key Distribution method to be distributed to the customer company. It can prevent internal misconduct and reduce the risk of digital asset theft and hacking.

The embodiments described above may be implemented with hardware components, software components, and/or a combination of hardware components and software components. For example, the devices, methods, and components described in the embodiments may include, for example, a processor, a controller, an Arithmetic Logic Unit (ALU), a Digital Signal Processor, a microcomputer, and a Field Programmable Gate (FPGA). It may be implemented using one or more general-purpose computers or special-purpose computers, such as an array, PLU (Programmable Logic Unit), microprocessor, or any other device that can execute and respond to instructions.

The processing device may execute an operating system and one or more software applications that run on the operating system. Additionally, a processing device may access, store, manipulate, process, and generate data in response to the execution of software. For ease of understanding, a single processing device may be described as being used; however, those skilled in the art will understand that a processing device may include multiple processing elements and/or multiple types of processing elements. You will understand that it can be included.

For example, a processing device may include a plurality of processors or one processor and one controller. Additionally, other processing configurations, such as parallel processors, are also possible. Software may include a computer program, code, instructions, or a combination of one or more of these, and may configure a processing unit to operate as desired, or to process independently or collectively. You can command the device.

Software and/or data may be used on any type of machine, component, physical device, virtual equipment, computer storage medium or device to be interpreted by or to provide instructions or data to a processing device. It can be embodied in . Software may be distributed over networked computer systems and stored or executed in a distributed manner. Software and data may be stored on one or more computer-readable recording media.

The method according to the embodiment may be implemented in the form of program instructions that can be executed through various computer means and recorded on a computer-readable medium. Computer-readable media may include program instructions, data files, data structures, etc., singly or in combination. Program instructions recorded on the medium may be specially designed and configured for the embodiment or may be known and available to those skilled in the art of computer software.

Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks, and magnetic tapes, optical media such as CDROMs and DVDs, and ROM, RAM, and flash memory. Includes hardware devices specifically configured to store and execute program instructions, such as: Examples of program instructions include machine language code, such as that produced by a compiler, as well as high-level language code that can be executed by a computer using an interpreter, etc. The hardware devices described above may be configured to operate as one or more software modules to perform the operations of the embodiments, and vice versa.

As described above, although the embodiments have been described with limited examples and drawings, various modifications and variations can be made by those skilled in the art from the above description. For example, the described techniques are performed in a different order than the described method, and/or components of the described system, structure, device, circuit, etc. are combined or combined in a different form than the described method, or other components are used. Alternatively, appropriate results may be achieved even if substituted or substituted by an equivalent. Therefore, other implementations, other embodiments and equivalents of the claims also fall within the scope of the following claims.

Claims

It includes a trustee terminal that is entrusted with the storage and management of digital assets from a trustee terminal and stores and manages the digital assets requested from the trustee terminal,

The trustee terminal is:

An owner account creation unit that creates an owner account in response to a request for creating an owner account from the consignor terminal and shares the owner account with the consignor terminal;

an applicant account creation unit that creates an applicant account in response to a request for creating an applicant account from the consignor terminal related to the owner account and shares it with the consignor terminal;

an approver account creation unit that creates an approver account in response to a request for creating an approver account from the consignor terminal related to the owner account and shares it with the consignor terminal;

an approval request unit that receives a digital asset management application through the applicant account and requests approval for the digital asset management application from the approver account;

an account verification unit that performs verification of the digital asset management application depending on whether the digital asset management application is approved by the approver account;

A digital asset confirmation unit that verifies digital assets stored in a digital asset wallet related to the digital asset management application; and

A digital asset management unit that performs digital asset management according to the digital asset management application upon completion of verification and confirmation of the account verification unit and the digital asset verification unit;

Digital asset management system including.
In claim 1,

The digital asset includes a plurality of virtual currencies selected from virtual currencies including Bitcoin, Ethereum, and Klaytn,

Further comprising a digital asset wallet register that registers one or more digital asset wallets for each of the plurality of virtual currencies,

The applicant account creation unit creates the applicant account for each of the plurality of virtual currencies and the digital asset wallet,

A digital asset management system wherein the approver account creation unit creates the approver account for each of the plurality of virtual currencies and the digital asset wallet.
In claim 2,

The digital asset wallet register registers a plurality of digital asset wallets, including a first digital asset wallet requested for registration by the trustor terminal and a second digital asset wallet verified through digital asset history, as a whitelist digital asset wallet,

A digital asset management system in which a digital asset wallet selectable by the applicant account among the plurality of digital asset wallets registered as the whitelist digital asset wallet is set for each applicant account.
In claim 1,

The trustee terminal is:

Granting a plurality of approver accounts for each applicant account for the owner account;

When an application for digital assets is received through the applicant account, the size of the requested digital assets is compared with a preset standard asset size;

determining the number of approver accounts to request approval among the plurality of approver accounts according to a comparison result between the size of the requested digital asset and the reference asset size;

randomly selecting an approver account to process approval for digital assets from among a plurality of approver accounts set for the applicant account as many as the number of approver accounts; and

A digital asset management system configured to request approval for digital assets from one or more randomly selected approver accounts.
In claim 1,

The trustee terminal is configured to receive digital assets from one or more trustee terminals provided in response to one or more customer companies and manage the operation of the digital assets,

The trustee terminal is:

Creating a trustee wallet for management of the digital assets for each trustee terminal and registering it at the digital asset exchange terminal;

Receive one or more operating keys generated by the digital asset exchange terminal for managing digital assets related to the trustee wallet;

Providing the one or more operating keys to an operator terminal that operates digital assets;

Receive operation data according to digital asset operation using the operation key from the management company terminal; and

A digital asset management system configured to provide profits according to the operation data to the consignor.
In claim 5,

The trustee wallet includes a trustee representative wallet registered as a representative wallet of the trustee terminal, and one or more trustee sub-wallets registered as a sub-wallet of the trustee representative wallet based on the customer company,

The trustee sub-wallet includes a management company sub-wallet that can be operated by the management company terminal, a customer company sub-wallet that can be operated by the customer company, and a trustee sub-wallet that can be operated by the trustee terminal,

The digital asset exchange terminal is:

Generating a first operating key for digital asset management of the manager terminal;

Generate a second operating key for digital asset operation of the consignor terminal;

Generating a third operating key for digital asset management of the trustee terminal; and

Configured to transmit the first operation key, the second operation key, and the third operation key to the trustee terminal,

The trustee terminal is configured to provide the first operating key to the manager terminal,

The trustee terminal is configured to transmit the second operating key received from the digital asset exchange terminal to the trustee terminal,

Among the digital assets stored in the trustee representative wallet, digital assets operated by the manager terminal using the first operating key are classified and stored in the manager sub-wallet,

Among the digital assets stored in the trustee representative wallet, digital assets operated by the trustee terminal using the second operating key are classified and stored in the customer company sub-wallet,

Among the digital assets stored in the trustee representative wallet, digital assets operated by the trustee terminal using the third operating key are classified and stored in the trustee sub-wallet,

The trustee terminal is configured to calculate the digital asset management rate of return for each of the management company sub-wallet, the customer company sub-wallet, and the trustee sub-wallet, respectively. A digital asset management system.
In claim 1,

The credit company terminal, which is the customer's consignor terminal, receives the user's digital assets from the user terminal, receives an application for a Korean Won loan using the digital assets as collateral, and entrusts the digital assets provided by the user as collateral to the trustee terminal. configured to request operation,

The trustee terminal is configured to create a trustee wallet for management of the digital asset for each trustee terminal and register it in the digital asset exchange terminal,

The credit company terminals corresponding to online investment-linked financial companies are:

Setting a loan limit according to the market price and collateral setting ratio of the digital asset;

Raise funds through P2P loan solicitation and lend won to the user within the loan limit; and

It is configured to instruct the trustee terminal to liquidate the collateral when the Korean Won loan matures or when the market price of the digital asset falls below the standard price,

A digital asset management system, wherein the trustee terminal is configured to liquidate the user's digital assets according to collateral liquidation instructions of the creditor terminal.
In claim 7,

The trustee terminal is:

Purchase stable coins with the digital assets held in the trustee wallet through the digital asset exchange terminal; and

Configured to transfer the stable coin from the trustee wallet to the trustee wallet,

The goddess terminal is:

Selling the stable coin and converting it into cash through the digital asset exchange terminal; and

A digital asset management system configured to pay cash received by selling the stable coin to the user.
In claim 1,

The payment company terminal corresponding to the customer terminal, the consignor terminal, is configured to receive a request from the user terminal to purchase digital assets for the user's payment and request entrustment of the digital asset purchase to the trustee terminal,

The trustee terminal is:

Creating a trustee wallet for management of the digital assets for each trustee terminal and registering it at the digital asset exchange terminal;

Buying digital assets into the trustee wallet by the digital asset exchange terminal; and

It is configured to notify the payment company terminal of the digital asset purchase result,

The payment company terminal is configured to query the digital assets stored in the trustee wallet, process the payment requested by the user terminal, pay the payment amount, and request the trustee terminal to sell digital assets corresponding to the payment amount. become,

The trustee terminal receives won from the digital asset exchange terminal according to the sale of the digital asset, and transfers the won paid from the digital asset exchange terminal to the payment company terminal to settle the payment amount. A digital asset management system. .
In claim 1,

The digital asset issuer terminal corresponding to the consignor terminal is configured to request listing of the digital asset to the digital asset exchange terminal,

The digital asset exchange terminal is configured to request protection deposit disclosure data from the digital asset issuer terminal,

The trustee terminal is configured to create an issuer-specific wallet for entrustment of the digital asset and issue a custody certificate to the digital asset issuer terminal,

The digital asset issuer terminal is configured to submit the protection deposit certificate to the digital asset exchange terminal,

A digital asset management system, wherein the digital asset exchange terminal is configured to approve listing of the digital asset according to the protection deposit certificate.
In claim 10,

The digital asset exchange terminal is configured to inquire and announce the status of protected deposits to the trustee terminal,

The trustee terminal is configured to notify the digital asset exchange terminal of expiration and withdrawal of the protection deposit.
In claim 1,

A smart contract that is authorized to withdraw digital assets by being authorized to withdraw digital assets from the consignor terminal; and

It includes a custody system corresponding to a trustee terminal that entrusts the digital asset from the trustee terminal,

The custody system is:

When a request for withdrawal of digital assets is received from the consignor terminal, data related to withdrawal of the digital assets is verified by the verification logic of the custody system; and

When the data related to the withdrawal of the digital asset is verified, the transaction fee is withdrawn through the payment account of the custody system and is configured to pay the transaction fee to the smart contract instead of the trustor terminal,

The smart contract is configured to receive the transaction fee through the payment account, approve the delivery of tokens related to the digital asset requested to be withdrawn by the consignor terminal, and transmit the digital asset to the recipient account. A digital asset management system.
In claim 12,

The custody system is:

A number of distributed keys for signing multi-sig wallets used for digital asset management are distributed and stored in a distributed storage unit;

When approval is completed from a set number of approver accounts among the plurality of approver accounts, the digital asset management application is approved and a master key is generated by combining at least two of the plurality of distributed keys; and

A digital asset management system configured to sign the multi-sig wallet with the master key and transmit the digital asset requested to be withdrawn by the consignor terminal to the beneficiary account.
In claim 13,

A digital asset management system in which the plurality of distributed keys are distributed and stored using Shamir’s Key Distribution method.
Comprising the step of entrusting the storage and management of digital assets from the consignor terminal by the trustee terminal to store and manage the digital assets requested from the trustee terminal,

The steps for storing and managing the above digital assets are:

Creating an owner account according to a request for creating an owner account from the consignor terminal, by an owner account creation unit, and sharing the owner account with the consignor terminal;

Generating, by an applicant account creation unit, an applicant account according to a request for creating an applicant account from the consignor terminal related to the owner account and sharing it with the consignor terminal;

Generating, by an approver account creation unit, an approver account according to a request for creating an approver account from the consignor terminal related to the owner account and sharing it with the consignor terminal;

Receiving a digital asset management application through the applicant account and requesting approval for the digital asset management application from the approver account, by an approval request unit;

Performing verification, by an account verification unit, on the digital asset management application according to whether the digital asset management application is approved by the approver account;

Confirming, by a digital asset verification unit, digital assets stored in a digital asset wallet related to the digital asset management application; and

Upon completion of verification and confirmation of the account verification unit and the digital asset verification unit, by the digital asset management unit, performing digital asset management according to the digital asset management application;

Digital asset management method including.
In claim 15,

The digital asset includes a plurality of virtual currencies selected from virtual currencies including Bitcoin, Ethereum, and Klaytn,

Further comprising: registering one or more digital asset wallets for each of the plurality of virtual currencies by a digital asset wallet register,

The applicant account creation unit creates the applicant account for each of the plurality of virtual currencies and the digital asset wallet,

A digital asset management method wherein the approver account creation unit creates the approver account for each of the plurality of virtual currencies and the digital asset wallet.
In claim 16,

The step of registering the digital asset wallet includes registering a plurality of digital asset wallets, including a first digital asset wallet requested for registration by the trustor terminal and a second digital asset wallet verified through digital asset history, as a whitelist digital asset wallet. Including the steps of:

A digital asset management method in which a digital asset wallet selectable by the applicant account among the plurality of digital asset wallets registered as the whitelist digital asset wallet is set for each applicant account.
In claim 15,

The steps for storing and managing the above digital assets are:

Granting, by the trustee terminal, a plurality of approver accounts for each applicant account to the owner account;

When an application for digital assets is received through the applicant account, the trustee terminal compares the size of the requested digital assets with a preset reference asset size;

determining, by the trustee terminal, the number of approver accounts to request approval among the plurality of approver accounts according to a comparison result between the size of the requested digital asset and the size of the reference asset;

The trustee terminal randomly selecting an approver account to process approval for a digital asset from among a plurality of approver accounts set for the applicant account as many as the number of approver accounts; and

A digital asset management method comprising the step of the trustee terminal requesting approval for a digital asset from one or more randomly selected approver accounts.
A non-transitory computer-readable recording medium on which a program for executing the digital asset management method of claim 15 is recorded.