How to provide a 24-hour currency exchange service based on a blockchain wallet

Abstract

The present invention relates to a method for providing a 24-hour currency exchange service based on a blockchain wallet, which is executed by a main server, and includes the steps of: (a) generating a wallet account linked to a user's bank account of a first currency in response to a request from a user terminal; (b) receiving a currency exchange request from the user terminal and determining an exchange rate; and (c) checking whether the amount of the first currency requested for exchange has been deposited in the wallet account, and if the first currency has been deposited, recording the exchange amount of a second currency corresponding to the amount of the first currency in the wallet account, and storing the exchange transaction between the first currency and the second currency in a distributed manner on a blockchain network. The present invention relates to a method for providing a 24-hour currency exchange service based on a blockchain wallet, which includes the steps of: (a) generating a wallet account linked to a user's bank account of a first currency in response to a request from a user terminal; (b) receiving a currency exchange request from the user terminal and determining an exchange rate; and (c) checking whether the amount of the first currency requested for exchange has been deposited in the wallet account, and if the first currency has been deposited, recording the exchange amount of a second currency corresponding to the amount of the first currency in the wallet account, and storing the exchange transaction between the first currency and the second currency in a distributed manner on a blockchain network.

Description

[Technical Field]

[0001] The present invention relates to a method for providing a 24-hour currency exchange service based on a blockchain wallet, and more particularly to a method and system for providing a 24-hour currency exchange service using a wallet account without direct transactions with a bank server. [Background technology]

[0002] In recent years, the markets for blockchain and fintech technologies have shown rapid growth, and there are growing calls for the arrival of the blockchain-based Web 3.0 era, replacing Web 2.0, which has traditionally been led by major overseas companies such as Google, Facebook, and Amazon.

[0003] Along with this, development of various financial services such as banking operations and currency exchange is also actively progressing, utilizing blockchain technology, which has excellent security features, and it is known that there are many companies that are actually providing such services.

[0004] In particular, in the case of currency exchange services, the traffic costs and security issues that arise each time a currency exchange is made can be resolved by combining blockchain technology, so there is currently a demand for the development of related technology. Summary of the Invention [Problem to be solved by the invention]

[0005] The present invention aims to solve the problems of the prior art mentioned above and to provide a 24-hour currency exchange service based on a blockchain wallet.

[0006] In addition, the company aims to store personal information and bank-related information generated during the currency exchange process using blockchain technology, and to provide currency exchange services without time constraints based on the stored information.

[0007] The problems that the present invention aims to solve are not limited to those described above, and other problems not described can also be clearly understood from the following description. [Means for solving the problem]

[0008] As a means for solving the above-mentioned technical problems, according to one embodiment of the present invention, a method for providing a 24-hour currency exchange service based on a blockchain wallet, which is executed by a main server, includes the steps of: (a) creating a wallet account linked to a user's bank account of a first currency in response to a request from a user terminal; (b) receiving a currency exchange request from the user terminal and determining an exchange rate; and (c) checking whether the amount of the first currency requested for exchange has been deposited in the wallet account, and if the first currency has been deposited, recording the exchange amount of a second currency corresponding to the amount of the first currency in the wallet account, and distributively storing the exchange transaction between the first currency and the second currency in a blockchain network. In step (b), if the currency exchange request occurs outside business hours when the reference exchange rate of a foreign exchange brokerage is not confirmed, the exchange rate can be determined according to a preset policy set by the main server, and the currency exchange can be executed.

[0009] In addition, in step (a), the wallet account can be created to be linked to a bank account operated by a domestic bank and an account operated by the main server.

[0010] The (b) step may include: (b-1) inputting the type and amount of a first country currency to be deposited into the wallet account from the user terminal; (b-2) inputting the type of a second country currency to be deposited into the wallet account from the user terminal; and (b-3) setting an exchange rate for purchasing the second country currency with the first country currency according to the policy of the main server and the time when the exchange request is received.

[0011] The exchange rate may be set based on the base exchange rate of the foreign exchange brokerage, or, outside the business hours of the foreign exchange brokerage, may be set based on the average price of the buying and selling rates of the day.

[0012] In addition, the step (c) may include a step of recording the details of the currency exchange transaction in the wallet account, matching the type and amount of the first currency, the type and amount of the second currency, the exchange rate, the time of exchange, and the identification information of the user terminal to generate first block information, and distributively storing the first block information in at least one main server and other terminals connected to the main server according to blockchain technology.

[0013] In addition, the details of the currency exchange transaction may display the amount of the exchanged second currency, the exchange rate, and the time of exchange for each transaction, as well as information on the exchange profit between the exchanged amount of the second currency at the time of exchange and the exchanged amount of the second currency before or after a specified time from the time of exchange.

[0014] The method may further include (d) receiving an exchange request from the user terminal requesting that the second country currency stored in the wallet be exchanged for the first country currency; and (e) determining an exchange rate when selling the second country currency and buying the first country currency, recording the exchange transaction details in the wallet, and then matching the type and amount of the first country currency, the type and amount of the second country currency, the exchange rate, the exchange time, and identification information of the user terminal to generate second block information and store it in a distributed manner in a blockchain network.

[0015] In addition, in steps (c) to (e), when first block information and second block information regarding the exchange transaction details are generated and distributedly stored, no deposit or withdrawal transaction occurs between the bank account of the first currency and the bank account of the second currency, and only a record regarding the exchange transaction details can be generated in the wallet.

[0016] The method may further include (f) a step of, when a withdrawal request for the second currency is received from the user terminal, withdrawing the amount received in the withdrawal request from a bank account for the second currency associated with the main server and transferring the amount to a bank account specified by the user terminal, and when a withdrawal request for the first currency is received from the user terminal, withdrawing the amount received in the withdrawal request from a bank account for the first currency associated with the main server and transferring the amount to a bank account for the first currency linked to the wallet account.

[0017] According to one embodiment of the present invention, a server providing a 24-hour currency exchange service based on a blockchain wallet includes a memory storing a program for executing a method for providing a 24-hour currency exchange service based on a blockchain wallet, and a processor for executing the program. The method includes the steps of: (a) creating a wallet account linked to a user's bank account of a first country currency in response to a request from a user terminal; (b) receiving a currency exchange request from the user terminal and determining an exchange rate; and (c) checking whether the amount of the first country currency requested for the exchange has been deposited in the wallet account, and if the first country currency has been deposited, recording the exchange amount of the second country currency corresponding to the amount of the first country currency in the wallet account, and distributively storing the exchange transaction between the first country currency and the second country currency in a blockchain network. In the step (b), if the currency exchange request occurs outside business hours when the reference exchange rate of a foreign exchange brokerage is not confirmed, the exchange rate can be determined according to a preset policy set by a main server, and the currency exchange can be performed. [Effects of the Invention]

[0018] The present invention provides a 24-hour currency exchange service based on a blockchain wallet, and stores personal information and bank-related information generated during the currency exchange process using blockchain technology, thereby providing a currency exchange service with excellent security.

[0019] In addition, after a currency exchange request is made, information about the currency exchange is recorded in the wallet account, and currency exchange services are provided based on the recorded information, thereby enabling currency exchange services to be provided without being bound by the operating hours of the bank server, which has set operating hours. [Brief explanation of the drawings]

[0020] [Figure 1] FIG. 1 is a block diagram of a system for providing 24-hour currency exchange services based on a blockchain wallet, according to one embodiment of the present invention. [Figure 2] FIG. 1 is a block diagram illustrating the internal configuration of a 24-hour currency exchange service providing server based on a blockchain wallet according to one embodiment of the present invention. [Figure 3] 1 is a flowchart illustrating the execution steps of a method for providing a 24-hour currency exchange service based on a blockchain wallet according to an embodiment of the present invention. [Figure 4] 1 is a flowchart illustrating block information generation, storage, and transfer according to one embodiment of the present invention. DETAILED DESCRIPTION OF THE INVENTION

[0021] DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, the preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings, so that those skilled in the art can easily carry out the present invention.

[0022] However, the present invention can be implemented in various different forms and is not limited to the embodiments described herein. In addition, in the drawings, parts that are not relevant to the description are omitted in order to clearly explain the present invention, and similar parts are designated by similar reference numerals throughout the specification.

[0023] Throughout this specification, when a part is said to be "connected" to another part, this includes not only "directly connected" but also "electrically connected" through another element therebetween.

[0024] Furthermore, when a part is said to "comprise" a certain component, unless otherwise specified, it means that it can further include other components without excluding other components.

[0025] In this specification, the term "module" includes a unit implemented by hardware, a unit implemented by software, or a unit implemented by using both hardware and software.

[0026] Furthermore, one unit may be realized using two or more pieces of hardware, and two or more units may be realized by one piece of hardware.

[0027] On the other hand, the term "unit" is not limited to software or hardware, and the "unit" may be configured to be located on an addressable storage medium and configured to execute on one or more processors.

[0028] Thus, by way of example, "part" includes components such as software components, object-oriented software components, class components and task components, processes, functions, properties, procedures, subroutines, segments of program code, drivers, firmware, microcode, circuits, data, databases, data structures, tables, arrays and variables.

[0029] The functionality provided by the components and units may be combined into fewer components and units or divided into additional components and units.

[0030] Furthermore, the components and "units" may be implemented to run on one or more CPUs within a device or secure multimedia card.

[0031] A "terminal" referred to below can be implemented as a computer or a mobile terminal device that can be connected to a server or other terminals via a network.

[0032] Here, the computer may include, for example, a notebook, desktop, laptop, or VRHMD (e.g., HTC VIVE, Oculus Rift, GearVR, DayDream, PSVR, etc.) equipped with a web browser.

[0033] Here, VRHMD includes all models for PC (e.g., HTC VIVE, Oculus Rift, FOVE, Deepon, etc.), mobile (e.g., GearVR, DayDream, Bōfumakyou, Google Cardboard, etc.), console (PSVR), and independently implemented standalone models (e.g., Deepon, PICO, etc.).

[0034] Mobile terminal devices are, for example, wireless communication devices that guarantee portability and mobility, and can include smartphones, tablet PCs, wearable devices, and various devices equipped with communication modules such as BLE (Bluetooth Low Energy), NFC, RFID, ultrasonic, infrared, WiFi, and LiFi. Furthermore, "network" refers to a connection structure that enables information exchange between nodes such as terminals and servers, and includes LANs (Local Area Networks), WANs (Wide Area Networks), the Internet (WWW), wired / wireless data communication networks, telephone networks, wired / wireless television communication networks, and the like.

[0035] Examples of wireless data communication networks include, but are not limited to, 3G, 4G, 5G, 3GPP (registered trademark), LTE, WIMAX (registered trademark), Wi-Fi (registered trademark), Bluetooth (registered trademark) communication, infrared communication, ultrasonic communication, visible light communication (VLC), LiFi, etc.

[0036] First, with reference to FIG. 1, a 24-hour currency exchange service providing system based on a blockchain wallet according to one embodiment of the present invention will be described.

[0037] A system according to one embodiment of the present invention may be configured to include a main server (100), a user terminal (200), a bank server (300), and multiple blockchain servers (110).

[0038] The present invention provides a 24-hour currency exchange service based on a blockchain wallet to a user terminal (200) through a main server (100), which receives a currency exchange request from the user terminal (200), stores personal information and bank-related information generated during the currency exchange process in a blockchain server (110) based on blockchain technology, and executes deposits and withdrawals with a bank server (300) based on the stored information, thereby providing a currency exchange service that is more secure and not bound by time than conventional currency exchange service providing technologies.

[0039] To achieve this, as shown in FIG. 2, the main server (100) according to one embodiment of the present invention may be configured to include a memory storing a program (or application) for executing a method for providing a 24-hour currency exchange service based on a blockchain wallet, and a processor for executing the program.

[0040] Here, the processor can perform various functions by executing programs stored in the memory.

[0041] In addition, the main server (100) is connected to a communication network via a communication module and is connected to and capable of communicating with multiple blockchain servers (110), user terminals (200) and bank servers (300) via wired or wireless connections.

[0042] The user terminal (200) is a terminal on which a program or application that executes a 24-hour currency exchange service provision method based on a blockchain wallet is installed, and may include a smartphone, laptop, desktop, or tablet PC.

[0043] In addition, according to another embodiment of the present invention, the user terminal (200) can also perform the role of a blockchain server (110) described below.

[0044] Next, the blockchain server (110) is a device capable of performing the same configuration and functions as the main server (100), and multiple blockchain servers (110) can form a blockchain network and serve as a distributed storage system that stores multiple block information received from the server.

[0045] Next, the bank server (300) is operated within the first or second country and can be a server that provides deposit / withdrawal, account opening, and currency exchange services.

[0046] The following describes a method for providing a 24-hour currency exchange service based on a blockchain wallet according to one embodiment of the present invention.

[0047] The method for providing a 24-hour currency exchange service based on a blockchain wallet according to one embodiment of the present invention can be executed by the main server (100).

[0048] The main server (100) creates a wallet account linked to a bank account in the first country currency for the user based on a request from the user terminal (200).

[0049] According to one embodiment of the present invention, the request of the user terminal (200) may be received via an exchange UI provided to the user terminal (200) from the main server (100).

[0050] The currency exchange UI may be displayed on the screen by a program or application that executes a 24-hour currency exchange service providing method based on a blockchain wallet installed in the user terminal (200).

[0051] In this case, the wallet account is created in association with a bank account operated by the bank server (300) and an account operated by the main server (100), and can include deposit and withdrawal functions.

[0052] The main server (100) receives a request for currency exchange from the user terminal (200) and determines an exchange rate based on the received request for currency exchange.

[0053] At this time, a currency exchange request according to one embodiment of the present invention is received by having the user input the type and amount of the first country currency to be deposited into the wallet account, and the type of the second country currency to be deposited, via the currency exchange UI of the user terminal (200).

[0054] For example, if user "A" wants to exchange 10,000 Korean won (WON) for US dollars, the exchange request is sent by entering the type of currency of the first country as won, the amount as 10,000 won, and the type of currency of the second country as dollars.

[0055] Next, the main server (100) sets an exchange rate for purchasing the second country currency with the first country currency, depending on the policy of the main server (100) and the time when the exchange request is received.

[0056] In this case, the exchange rate may be set based on the base exchange rate of the foreign exchange brokerage, or, outside the business hours of the foreign exchange brokerage, may be set based on the average price of the buying and selling rates of the day.

[0057] In addition, even when a request for currency exchange occurs outside business hours when the base exchange rate of the foreign exchange brokerage cannot be confirmed, and when the exchange rate cannot be confirmed due to various factors (e.g., server failure), the exchange rate can be determined and the currency exchange can be executed according to a preset policy set in the main server (100).

[0058] According to the prior art, the currency exchange service provided by the bank server (300) could not be provided after the business hours (9:00 AM to 6:00 PM) of foreign exchange brokerages and banks.

[0059] In contrast, the present invention provides a technology for providing 24-hour currency exchange services based on currency exchange requests recorded in a wallet account. To achieve this, outside of business hours, the exchange rate is set based on the average of the buying and selling rates on the day the currency exchange request is received. The exchange rate may also be determined in various other ways. For example, the exchange rate may be based on the buying or selling rate on the day, with a platform fee added for transactions outside of business hours. Alternatively, the exchange rate may be determined based on the supply and demand balance at the time of the currency exchange request.

[0060] Next, the main server (100) checks whether the amount of the first country currency requested for exchange by the user terminal (200) has been deposited into the wallet account.

[0061] If the first country currency is deposited, the main server (100) records the exchange amount of the second country currency corresponding to the amount of the first country currency in the wallet account, and stores the exchange transaction between the first country currency and the second country currency in a distributed manner on the blockchain network.

[0062] In this case, the currency exchange transaction details according to one embodiment of the present invention may display the amount of the exchanged second currency, the exchange rate, and the time of exchange for each transaction detail, and may also display information on the exchange gain between the exchanged amount of the second currency at the time of exchange and the exchanged amount of the second currency a predetermined time before or after the time of exchange.

[0063] For example, suppose that user A wants to exchange 10,000 Korean won (WON) for US dollars. The exchange rate at 1:00 PM on that day is 1 Korean won = 0.00076 US dollars, based on the standard exchange rate of the Korean foreign exchange brokerage, and the exchange rate at 11:00 AM on that day is 1 Korean won = 0.00080 US dollars.

[0064] In such an example, if user A exchanges 10,000 won at 11:00 a.m., the exchange transaction details may include the exchange amount of the second country currency, which is 7.6 US dollars, the exchange rate of 1 Korean won = 0.00076 US dollars, and the exchange time, which is 1:00 p.m. on the day the exchange was performed.

[0065] In addition, if the exchange is carried out at 11:00 AM on the day, the exchange profit information of 0.4 US dollars, which is the difference between the exchange amount of 8.0 US dollars and the actual exchange amount of 7.6 US dollars, may also be displayed.

[0066] The details of such currency exchange transactions are recorded in a wallet account by the main server (100), and then generated as first block information that matches the type and amount of the first country's currency, the type and amount of the second country's currency, the exchange rate, the time of exchange, and the identification information of the user terminal (200). Based on blockchain technology, the information is distributed and stored in at least one main server (100) and other terminals connected to the main server (100), i.e., blockchain servers (110).

[0067] According to another embodiment of the present invention, in order to store the details of currency exchange transactions in a distributed manner, the main server (100) and the blockchain server (110) are interconnected by a network including the Internet and Ethernet, and in various embodiments, the blockchain server (110) can be implemented not only in the form of a server device having hardware, but also in the form of a cloud server.

[0068] Referring to FIG. 3, in such an embodiment, the main server (100) may include a distributed data storage device which is a storage area used to store the details of currency exchange transactions, a data input / output module (111) which inputs or outputs the details of currency exchange transactions to the distributed data storage device, an encryption / decryption module (112) which encrypts and decrypts the data when the details of currency exchange transactions are input or output, and a data analysis and management module (113) which analyzes status data regarding the storage capacity and storage location of the distributed data storage device input and output via the data input / output module (111).

[0069] As a result, the network consisting of the main server (100) and the blockchain server (110) can store and update block data including the location where the data is stored among the input / output exchange transaction details, the data necessary for encryption and decryption in the encryption / decryption module (112), and data for determining the authority to input / output the data, on all servers in the network every time the details of the exchange transaction are input / output via the data input / output module (111).

[0070] At this time, the data analysis and management module (113) stores a copy of the exchange transaction details input through the data input / output module (111) in a distributed data storage device of at least one of the multiple servers connected to the network, collects the number of servers that operate normally among the servers that store the copy of the same data at predetermined time intervals, and can maintain the total number of copies of the same data constant according to the number of servers that operate normally.

[0071] In addition to the above-described embodiments, distributed storage based on blockchain technology can be configured in various other embodiments, but these fall under the category of conventional technology and will not be described in detail in this specification.

[0072] Referring to Figure 4, the execution procedure of the method for providing 24-hour currency exchange services based on the above-mentioned blockchain wallet will be summarized as follows: First, the main server (100) generates a wallet account linked to the user's bank account in the first country currency based on a request from the user terminal (200) (S101).

[0073] Thereafter, the main server (100) receives a request for currency exchange from the user terminal (200) and determines an exchange rate (S102).

[0074] Next, it is confirmed whether the amount of the first country currency requested for exchange has been deposited into the wallet account, and if the first country currency has been deposited, the exchange amount of the second country currency corresponding to the amount of the first country currency is recorded in the wallet account, and the exchange transaction between the first country currency and the second country currency is distributed and stored in the blockchain network (S103).

[0075] Through the above process, the main server (100) according to one embodiment of the present invention can store all the information necessary for the exchange received from the user based on the blockchain technology.

[0076] Next, the main server (100) provides the exchange service based on the thus stored blockchain information, exchange transaction details, and exchange requests.

[0077] To achieve this, the main server (100) receives an exchange request from the user terminal (200) requesting that the second country currency stored in the wallet be exchanged for the first country currency.

[0078] Based on the received exchange request, the main server (100) determines the exchange rate when selling the second country's currency and buying the first country's currency, records the details of the exchange transaction in the wallet, and then matches the type and amount of the first country's currency, the type and amount of the second country's currency, the exchange rate, the exchange time, and the identification information of the user terminal (200), generates second block information, and stores it in a distributed manner in the blockchain network.

[0079] In this case, the process of determining the exchange rate and generating and distributing and storing the second block information may be performed in the same manner as the process of distributing and storing the first block information and determining the exchange rate.

[0080] Furthermore, according to one embodiment of the present invention, the generation and distributed storage of first and second block information regarding the details of currency exchange transactions does not involve deposit and withdrawal transactions between a bank account of the first currency and a bank account of the second currency, and only a record of the details of currency exchange transactions can be generated in the wallet.

[0081] In other words, even if the details of the currency exchange transaction are recorded, the actual currency exchange has not yet been carried out. The main server (100) simply reliably records the user's currency exchange request as the details of the currency exchange transaction, and then performs the actual currency exchange through the operations described below.

[0082] In an additional embodiment, fees may be charged based on the provision of exchange rate graphs and exchange rate forecast results.

[0083] For example, the present invention may be used to generate profits through simple currency exchange, or to reduce costs when transferring certain expenses by transferring them at a more favorable exchange rate.

[0084] Of course, exchange rates are difficult to predict, but by combining exchange rate graphs, web data on international situations, social media data, etc., we can predict exchange rate trends and, based on these predictions, guide users on the best time to send money.

[0085] For example, if user A tries to send money to his family in the United States for living expenses, the server can predict the exchange rate and determine that the rate will fall the next day, and provide a message that the user can send the money at a more favorable rate if they send it the next day.

[0086] If the rate actually drops the next day, the server can make a profit by configuring the exchange rate to add a specified commission rate (the rate + specified commission rate < the previous day's rate) when the user performs the exchange.

[0087] To achieve this, we can collect big data such as exchange rates, news data collected from the web, social media data, raw material prices (crude oil prices, etc.), and real estate prices, set these as inputs, and design and train an exchange rate prediction AI model whose output is the next day's exchange rate.

[0088] In particular, it is desirable to perform reinforcement learning that provides incentives when exchange rate predictions are correct.

[0089] If the exchange rate prediction is wrong, it is possible to transfer money on a preset date at a rate more favorable than the exchange rate on that day.

[0090] As such AI models continue to learn and become more sophisticated, their exchange rate predictions will be more likely to be correct than incorrect, which could naturally result in profits from fees.

[0091] The actual currency exchange is performed when the main server (100) receives a withdrawal request for a second country currency from the user terminal (200), by withdrawing the amount received in the withdrawal request from the bank account for the second country currency associated with the main server (100) and transferring it to the bank account specified by the user terminal (200); when a withdrawal request for a first country currency is received from the user terminal (200), the actual currency exchange is performed by withdrawing the amount received in the withdrawal request from the bank account for the first country currency associated with the main server (100) and transferring it to the bank account for the first country currency linked to the wallet account.

[0092] In other words, in the present invention, no monetary transactions are made between the user terminal (200) and the bank server (300), but currency exchange is carried out via bank accounts in each country's currency operated by the main server (100).

[0093] Therefore, the main server (100) can instantly exchange and provide the amount desired by the user to the user terminal (200) based on the recorded first and second block information, and can be operated independently of the business hours of banks or foreign exchange brokerages.

[0094] Transfer to a bank account can occur after the exchange is completed on the user's side.

[0095] In an additional embodiment, a separate platform token may be issued, which may be a tradable object like a crypto asset.

[0096] That is, the tokens can be bought or sold in any country's currency.

[0097] It is also possible to exchange money using this token as an intermediary.

[0098] For example, currency exchange can be carried out by purchasing tokens with a first country's currency and then using those tokens to purchase a second country's currency.

[0099] Alternatively, tokens can be pegged to a specific currency (e.g., the US dollar) or set to have a fixed base price at all times, in the form of stablecoins.

[0100] Therefore, by exchanging from the first country's currency to the second country's currency via a token rather than directly, it may be possible to achieve a currency hedge effect.

[0101] Referring to Figure 5, the flow of the above-mentioned currency exchange service will be explained again. First, the main server (100) receives a currency exchange request from the user terminal (200) requesting to exchange the second currency stored in the wallet for the first currency (S201).

[0102] In addition, the exchange rate when selling the second country's currency and buying the first country's currency is determined, and the details of the exchange transaction are recorded in the wallet. Then, the type and amount of the first country's currency, the type and amount of the second country's currency, the exchange rate, the time of exchange, and the identification information of the user terminal (200) are matched to generate second block information, which is distributed and stored in the blockchain network (S202).

[0103] Furthermore, when a withdrawal request for a second country currency is received from the user terminal (200), the amount received in the withdrawal request is withdrawn from the bank account for the second country currency associated with the main server (100) and transferred to the bank account specified by the user terminal (200), and when a withdrawal request for a first country currency is received from the user terminal (200), the amount received in the withdrawal request is withdrawn from the bank account for the first country currency associated with the main server (100) and transferred to the bank account for the first country currency linked to the wallet account (S203).

[0104] An embodiment of the present invention can also be realized in the form of a recording medium including computer-executable instructions, such as program modules, that are executed by a computer.

[0105] Computer-readable media are any available media that can be accessed by a computer, including both volatile and nonvolatile media, removable and non-removable media. Computer-readable media can also include all computer storage media, including all volatile and nonvolatile, removable and non-removable media implemented in any method or technology for storage of information such as computer-readable instructions, data structures, program modules or other data.

[0106] Although the methods and systems of the present invention have been described with reference to specific embodiments, some or all of their components or operations may be implemented using a computer system having a general-purpose hardware architecture.

[0107] The above description of the present invention is for illustrative purposes only, and those skilled in the art will understand that the present invention may be easily modified into other specific forms without departing from the technical spirit or essential characteristics of the present invention. Therefore, the above-described embodiments should be understood to be illustrative in all respects and not restrictive. For example, components described as a single form may be implemented in a distributed form, and similarly, components described as a distributed form may be implemented in a combined form.

[0108] The scope of the present invention is indicated by the claims set forth below, rather than by the above detailed description, and all changes and modifications that come within the meaning and scope of the claims and their equivalents should be construed as being within the scope of the present invention.

Claims

1. A method for providing a 24-hour currency exchange service based on a blockchain wallet, which is executed by a main server, comprising: (a) generating a wallet account linked to a bank account in a first national currency for a user in response to a request from the user terminal; (b) receiving a currency exchange request from the user terminal and determining an exchange rate; (c) checking whether the amount of the first country currency requested for exchange has been deposited in the wallet account, and if the first country currency has been deposited, recording the exchange amount of the second country currency corresponding to the amount of the first country currency in the wallet account, and storing the exchange transaction between the first country currency and the second country currency in a distributed manner on a blockchain network; Including, The step (b) is a method for providing a 24-hour currency exchange service based on a blockchain wallet, characterized in that if the currency exchange request occurs outside business hours when the base exchange rate of the foreign exchange brokerage is not confirmed, the exchange rate is determined in accordance with a predetermined policy set by the main server and the currency exchange is executed.

2. A method for providing a 24-hour currency exchange service based on the blockchain wallet of claim 1, In the step (a), A method for providing a 24-hour currency exchange service based on a blockchain wallet, wherein the wallet account is created in association with a bank account operated by a domestic bank and an account operated by the main server.

3. A method for providing a 24-hour currency exchange service based on the blockchain wallet of claim 1, The step (b) comprises: (b-1) inputting the type and amount of the first country currency to be deposited into the wallet account from the user terminal; (b-2) inputting the type of second country currency to be deposited into the wallet account from the user terminal; (b-3) setting an exchange rate for purchasing the second country currency with the first country currency according to the policy of the main server and the time when the exchange request is received; A method for providing a 24-hour currency exchange service based on a blockchain wallet, comprising:

4. A method for providing a 24-hour currency exchange service based on the blockchain wallet according to claim 3, A method for providing a 24-hour currency exchange service based on a blockchain wallet, wherein the exchange rate is set based on the base exchange rate of a foreign exchange brokerage, or, outside the business hours of the foreign exchange brokerage, based on the average price of the buying and selling rates of the day.

5. A method for providing a 24-hour currency exchange service based on the blockchain wallet of claim 1, The step (c) A method for providing a 24-hour currency exchange service based on a blockchain wallet, comprising: recording the details of the currency exchange transaction in the wallet account; matching the type and amount of the first currency, the type and amount of the second currency, the exchange rate, the time of the exchange, and identification information of the user terminal to generate first block information; and distributively storing the first block information in at least one main server and other terminals connected to the main server based on blockchain technology.

6. A method for providing a 24-hour currency exchange service based on the blockchain wallet according to claim 5, The currency exchange transaction details display the amount of the exchanged second currency, the exchange rate, and the time of exchange for each transaction, and also display information on the exchange gain between the exchanged amount of the second currency at the time of exchange and the exchanged amount of the second currency a predetermined time before or after the time of exchange.

7. A method for providing a 24-hour currency exchange service based on the blockchain wallet of claim 1, (d) receiving an exchange request from the user terminal requesting to exchange the second country currency stored in the wallet for the first country currency; (e) determining an exchange rate when selling the second country's currency and buying the first country's currency, recording the details of the exchange transaction in a wallet, and then matching the type and amount of the first country's currency, the type and amount of the second country's currency, the exchange rate, the exchange time, and the identification information of the user terminal to generate second block information and store it in a distributed manner in a blockchain network; A method for providing a 24-hour currency exchange service based on a blockchain wallet, further comprising:

8. A method for providing a 24-hour currency exchange service based on the blockchain wallet according to claim 7, The steps (c) to (e) are A method for providing a 24-hour currency exchange service based on a blockchain wallet, characterized in that when first block information and second block information regarding the currency exchange transaction details are generated and distributedly stored, no deposit / withdrawal transactions occur between the bank account of the first currency and the bank account of the second currency, and only records regarding the currency exchange transaction details are generated in the wallet.

9. A method for providing a 24-hour currency exchange service based on the blockchain wallet of claim 1, (f) when a withdrawal request for the second country currency is received from the user terminal, withdrawing the amount received in the withdrawal request from a bank account for the second country currency associated with the main server and transferring the amount to a bank account designated by the user terminal, and when a withdrawal request for the first country currency is received from the user terminal, withdrawing the amount received in the withdrawal request from a bank account for the first country currency associated with the main server and transferring the amount to a bank account for the first country currency linked to the wallet account; A method for providing a 24-hour currency exchange service based on a blockchain wallet, further comprising:

10. A 24-hour currency exchange service providing server based on a blockchain wallet, A memory storing a program for executing a 24-hour currency exchange service providing method based on a blockchain wallet; a processor for executing the program; Including, The method comprises: (a) generating a wallet account linked to a bank account in a first national currency for a user in response to a request from the user terminal; (b) receiving a currency exchange request from the user terminal and determining an exchange rate; (c) checking whether the amount of the first country currency requested for exchange has been deposited in the wallet account, and if the first country currency has been deposited, recording the exchange amount of the second country currency corresponding to the amount of the first country currency in the wallet account, and storing the exchange transaction between the first country currency and the second country currency in a distributed manner in a blockchain network; Including, The step (b) is a 24-hour currency exchange service providing server based on a blockchain wallet, characterized in that if the currency exchange request occurs outside business hours when the base exchange rate of the foreign exchange brokerage is not confirmed, the exchange rate is determined according to a predetermined policy set by the main server and the currency exchange is executed.

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