Method and system for providing digital currency platform services

Abstract

The present invention relates to a method and system for providing a digital currency platform service in an environment where digital currencies including CBDC (Central Bank Digital Currency) can be used. Specifically, the present invention relates to a method and system for providing a platform service that provides a trading environment for users to use various financial services using digital currencies and helps users to improve convenience and security when using digital currencies.

Description

[Technical Field]

[0001] The present invention relates to a method and system for providing a digital currency platform service in an environment where digital currencies, including CBDC (Central Bank Digital Currency), are accepted. Specifically, the present invention relates to providing a trading environment that enables users to use various financial services using digital currencies, and to a method and system for providing a platform service that helps users improve convenience and security when using digital currencies. [Background technology]

[0002] With the development of technology, the digitalization of all aspects of our lives is accelerating. The progress of digitalization is occurring across the board, regardless of whether it is the real economy or the monetary economy. The emergence of cryptocurrencies like Bitcoin, the emergence of mobile payments using smartphones, and the emergence of digital wallets that can store various personal credit card information and identification information are just a few examples that show the rapid progress of the digitalization of the economy surrounding our lives.

[0003] Meanwhile, various nations are also preparing for the digitalization of their monetary economies, and China has already piloted a central bank digital currency (CBDC). As the era of full-scale central bank digital currencies approaches, this specification proposes a method and system for licensing a platform on which national central bank digital currencies can be traded. In particular, the present invention proposes a method and system for enabling users to conduct capital market transactions and securities transactions in conjunction with digital currencies, i.e., CBDCs.

[0004] The present invention has been devised with a focus on these problems, and has been invented not only to solve the technical problems described above, but also to provide additional technical elements that cannot be easily invented by a person with ordinary skill in the art. Summary of the Invention [Problem to be solved by the invention]

[0005] The present invention aims to provide an environment in which national central bank digital currencies can be traded through platform services.

[0006] In particular, the central bank digital currency issued by a specific country is stored in a digital wallet opened by each user, and when the central bank digital currency is to be made available in the financial sector, such as capital markets (securities), banking, credit (cards), and insurance, the aim is to provide a platform service that enables the overall management of the transaction process between the financial sector system and the central bank.

[0007] Another object of the present invention is to provide an environment in which users can use both digital currency and existing currency when trading in the capital market, i.e., when trading securities.

[0008] In addition, the present invention aims to provide a trading environment that allows users to enjoy various convenient functions when using central bank digital currency like cash.

[0009] It should be noted that the technical problems of the present invention are not limited to those mentioned above, and other technical problems not mentioned above can be clearly understood by those skilled in the art from the following description. [Means for solving the problem]

[0010] In order to solve the above problems, a method for providing a digital currency platform service by a digital currency platform server according to the present invention includes the steps of receiving an input for subscribing to a digital currency from a user terminal, a user of the user terminal interfacing with a specific securities company system based on the input received from the user terminal, receiving a selection input from a financial transaction menu from the user terminal, receiving an input from the user terminal of an amount of digital currency to be financially traded, executing a digital currency financial transaction based on the selection input from the financial transaction menu and the input amount, and generating a transaction detail based on the execution of the financial transaction and distributing it to a blockchain network, wherein the digital currency may be a CBDC (Central Bank Digital Currency).

[0011] In addition, in the method for providing a digital currency platform service, the transaction details distributed to the blockchain network may include at least a user name, a securities company account number, the user's digital platform service account number opened through the digital currency platform server, the fluctuation in digital currency due to the execution of the financial transaction, and the type of financial transaction.

[0012] In addition, a method for a digital currency platform server to provide a digital currency platform service according to another embodiment of the present invention may include the steps of receiving a transaction service request from a user terminal of a user, receiving digital currency from the user terminal - the digital currency being stored in a digital wallet uniquely assigned to the user - and calculating a value of the received digital currency based on spot currency according to a predetermined ratio.

[0013] Furthermore, the method for providing the digital currency platform service may further include a step of transmitting spot currency equivalent to the calculated value to a trading institution server, and at this time, the digital currency received from the user terminal may be received after an approval procedure for approving the change in ownership of the digital currency has been performed by a specific approval institution. [Effects of the Invention]

[0014] The present invention has the advantage of creating an environment in which national central bank digital currencies can be smoothly used in the financial and economic fields. In particular, the present invention has the advantage of enabling computer-based conversion or trading so that national central bank digital currencies can be used in financial company systems such as capital markets, banking, credit, and insurance.

[0015] Furthermore, according to the present invention, when a financial transaction involves digital currency, the role of the central bank is decentralized by including an approval procedure for the transfer of ownership of the digital currency from an approval institution, which also has the effect of making financial transactions using digital currency safer.

[0016] Furthermore, according to the present invention, by calculating the value of digital currency based on the value of spot currency, the value of digital currency can be stabilized, preventing users from simply using digital currency as a speculative asset or for gambling purposes, thereby contributing to the adoption of digital currency in the market in harmony with existing currencies.

[0017] Furthermore, the present invention has the effect of enabling users to conduct transactions using digital currency even in an offline environment where there is no internet connection.

[0018] The effects of the present invention are not limited to those mentioned above, and other technical effects not mentioned above can be clearly understood by those skilled in the art from the following description. [Brief explanation of the drawings]

[0019] [Figure 1] Figure 1 is a simplified diagram of the overall system required to provide digital currency platform services. [Figure 2] Figure 2 is a diagram explaining the role of the digital currency platform server between multiple securities companies and the central bank. [Figure 3] Figure 3 is a diagram for explaining in more detail the functions provided through the digital currency platform service. [Figure 4] Figure 4 is a diagram showing the process of receiving digital currency platform services from the perspective of an individual user. [Figure 5] FIG. 5 illustrates an embodiment of a transaction table in a common ledger managed by a digital currency platform server. [Figure 6] FIG. 6 illustrates an embodiment of a transaction table in a common ledger managed by a digital currency platform server. [Figure 7] Figure 7 is a diagram outlining the steps involved in an individual user who holds central bank digital currency buying and selling stocks on a stock exchange. [Figure 8] FIG. 8 illustrates another embodiment of the digital currency platform service providing method according to the present invention, which includes a process of obtaining approval from an approval authority at the time of transaction. [Figure 9] FIG. 9 shows another embodiment, illustrating a digital currency transaction process using a settlement code. [Figure 10] FIG. 10 shows another embodiment, specifically illustrating a digital currency charging process using a charge code. [Figure 11] FIG. 11 shows another embodiment, and is a flowchart illustrating a method for providing a smart contract intermediary service. [Figure 12]FIG. 12 shows another embodiment and is a diagram illustrating the function of monitoring transactions within the digital currency platform service. [Figure 13] FIG. 13 is a diagram showing yet another embodiment which is a modification of the embodiment in FIG. DETAILED DESCRIPTION OF THE INVENTION

[0020] The details of the objectives, technical configuration, and operational effects of the present invention will be more clearly understood from the following detailed description based on the drawings attached to the specification of the present invention. The embodiments of the present invention will be described in detail with reference to the attached drawings.

[0021] The embodiments disclosed herein should not be construed or used to limit the scope of the present invention. It goes without saying that the description including the embodiments of the present specification has various applications for those skilled in the art. Therefore, any embodiments described in the detailed description of the present invention are merely examples for better explaining the present invention, and are not intended to limit the scope of the present invention to the embodiments.

[0022] The functional blocks shown in the drawings and described below are merely examples of possible implementations. In other implementations, other functional blocks may be used without departing from the spirit and scope of the detailed description. Also, although one or more functional blocks of the present invention are represented as individual blocks, one or more of the functional blocks of the present invention may be a combination of various hardware and software configurations that perform the same function.

[0023] Furthermore, a phrase that includes a certain element is an "open" phrase and simply indicates that the element is present, and should not be understood as excluding additional elements.

[0024] Thus, when a component is referred to as being "coupled" or "connected" to another component, it should be understood that the component may be directly coupled or connected to the other component, but that there may be other components intervening therebetween.

[0025] FIG. 1 is a diagram for facilitating an overview of a digital currency platform service according to the present invention, which can be provided primarily through a digital currency platform server 100. Referring to the diagram, the digital currency platform server 100 can be connected via a network to central bank digital currency systems 11, 12, and 13, i.e., central bank digital currency systems that issue and / or manage CBDC, and can also be connected via a network to financial systems such as a capital market system (securities) 201, a banking system 202, a credit system (cards) 203, and an insurance system 204. That is, the digital currency platform server 100 according to the present invention can exist between the central bank digital currency system 11 and a system that provides financial services, and processes such as transactions, exchanges, and distributions for the actual use of digital currency between them can be processed by the digital currency platform server 100. Here, the term "processing" refers not only to the process of simply relaying digital currency, i.e., data packets or bundles thereof containing specific information, from one system to another, but also to any type of data processing that can occur during the process. In other words, the digital currency platform server 100 can perform data processing such as transmitting the information required when digital currency transmitted and received between the two systems is traded, exchanged, and circulated as is, adding some information, deleting some information, or substituting some information.

[0026] Meanwhile, digital currency systems 11, 12, and 13 in the drawings may actually be embodied as at least one server computer, which may be a computing device equipped with a central processing unit and memory. The central processing unit may also be called a controller, microcontroller, microprocessor, or microcomputer. The central processing unit may be embodied as hardware, firmware, software, or a combination thereof. When embodied as hardware, the central processing unit may be an application specific integrated circuit (ASIC), digital signal processor (DSP), digital signal processing device (DSPD), programmable logic device (PLD), field programmable gate array (FPGA), etc. When embodied as firmware or software, the firmware or software may be configured to include modules, procedures, or functions that perform the functions or operations. In addition, the memory can be embodied as a ROM (Read Only Memory), RAM (Random Access Memory), EPROM (Erasable Programmable Read Only Memory), EEPROM (Electrically Erasable Programmable Read-Only Memory), flash memory, SRAM (Static RAM), HDD (Hard Disk Drive), SSD (Solid State Drive), etc.

[0027] On the other hand, the digital currency systems 11, 12, and 13 do not necessarily have to be in the form of a server computer, but may also be in the form of a cloud server, i.e., a cloud server managed and operated by another operating entity.

[0028] When the digital currency systems 11, 12, and 13 are viewed from a functional perspective, each national digital currency system 11, 12, and 13 may assign a unique identifier (unique ID) 50 to each user and may also assign a digital wallet 51 to each user. The unique identifier 50 is a means for distinguishing each user who intends to use digital currency and may be a letter, a number, or a combination of letters and numbers. The digital wallet 51 may be understood as a type of account for recording how much digital currency an individual owns, when the digital currency was consumed or acquired, etc.

[0029] In addition, the digital currency systems 11, 12, and 13 can trade each other's central bank digital currencies through the blockchain network, and the digital currency platform server 100 according to the present invention can also trade, exchange, and distribute digital currencies using the blockchain network.

[0030] We will briefly explain the digital currency and digital wallets mentioned in this detailed explanation, as well as the relationship between them. Unlike existing currencies used offline, digital currency can be understood as an intangible currency that is stored or displayed on a user's device (e.g., a smartphone) and used both online and offline. Currently, digital currency is broadly categorized into virtual currency, cryptocurrency, stable coin, and central bank digital currency (CBDC) based on the issuer, supervision method, anonymity guarantee, and value fluctuation. The digital currency mentioned in this detailed explanation is preferably a central bank digital currency (CBDC), i.e., a type of digital money issued by a central bank based on blockchain technology.

[0031] A digital wallet service is a service that manages user payments, including all the necessary information for payments, such as card information used for payments on the user terminal, user account information, and membership cards or coupons that grant payment benefits. It is a service that allows users to purchase goods and services anytime, anywhere through a digital wallet that is created and assigned to each individual user.

[0032] For reference, blockchain is a distributed data storage technology that links blocks that record transaction information over a certain period of time in a chain and simultaneously replicates and stores them on numerous computers. The blockchain network is a P2P data storage technology that links data in this way like a chain and makes transaction records publicly available for anyone to view, rather than storing them on a centralized server, making it impossible to falsify or alter data from the start, meaning that transaction records can be mutually monitored.

[0033] The data recorded on the blockchain is characterized by the fact that it is extremely difficult to forge or alter through hacking, making it trustworthy for anyone, and since the data recorded on the blockchain is stored in a distributed manner on multiple computers, it is safe from DDoS attacks and ransomware attacks on specific nodes. Furthermore, since the blockchain can be autonomously maintained and operated by equal participants, it has more flexible characteristics than the existing server-client structure in which all information was concentrated on a central server.

[0034] Blockchain technology can be used in various fields such as cryptocurrency, smart contracts, logistics management, document management, and identity verification, but it is particularly noteworthy that blockchain technology can be used in smart contracts in relation to the digital currency platform server 100 according to the present invention. A smart contract is a digital electronic contract function that allows contract contents to be automatically executed when certain conditions are met, and allows desired contracts to be concluded on a P2P network without the need for a third-party guarantee agency.

[0035] Such smart contracts can be applied as they are on the digital currency platform server 100 according to the present invention, and naturally, such smart contract-based transactions are premised on being conducted on a blockchain network.

[0036] Referring again to Figure 1, it has been explained that the digital currency platform server 100 can be networked with systems that provide other financial services, and the aforementioned financial services can also be implemented by a server computer(s) equipped with a central processing unit and memory, similar to the national digital currency systems 11, 12, and 13 mentioned above.

[0037] Meanwhile, the digital currency platform server 100 is not limited to being networked with only a server computer, but can also be connected to so-called user terminals so as to provide services to general individual users. A user terminal refers to a terminal owned or possessed by a user, and can include portable terminals such as smartphones, PDAs, and tablet PCs as well as stationary terminals such as home PCs. When viewing these user terminals from the perspective of devices, it is assumed that each user terminal is equipped with a central processing unit (CPU) and memory.

[0038] The user terminal may include a display and a touchscreen, and may additionally be connected to one or more other physical user input means, such as a physical keyboard, mouse, and / or joystick. The user terminal may also include means for detecting and recording sound or voice. Various applications running on the user terminal may optionally use at least one universal physical user input means, such as a touchscreen. One or more functions of the touchscreen, as well as the corresponding information displayed on the user terminal, may optionally be adjusted and / or changed from one application to the next and / or within an individual application. In this manner, the universal physical architecture (such as a touchscreen) of the user terminal may optionally support various applications using a user interface that is intuitive and clear to the user.

[0039] 2 shows a state in which multiple securities company systems 201A-201N are networked to a digital currency platform server 100 according to the present invention, and each securities company system 201A-201N is linked to a Korea exchange system 230 that manages stock transactions, or to another overseas stock trading system 250 for overseas stock transactions. As can be seen again from FIG. 2, the digital currency platform server 100 processes and transmits digital currency from central bank digital currency systems 11, 12, and 13 in a form usable in the capital market in response to a request from a user who holds digital currency (CBDC) in a unique ID 50 and digital wallet 51, and ensures that the processed digital currency can be smoothly consumed on other trading institutions or other trading systems. Looking at Figure 2 from another perspective, the digital currency platform server 100 can be understood as having the role of enabling digital currencies issued by the central bank digital currency systems 11, 12, and 13, i.e., digital currencies held by individual users in their digital wallets 51, to be used for transactions on the capital market through the securities company systems 201A to 201N.

[0040] FIG. 3 illustrates an actual embodiment in more detail, listing operations that can be performed by the digital currency platform server 100. As can be seen from this, the digital currency platform server 100 according to the present invention is capable of performing account management for each securities company, deposit and withdrawal management, transaction details management, digital currency management, and currency exchange. Regarding account management for each securities company, the digital currency platform server 100 can be linked to multiple securities company systems, and can inquire about account information opened at each securities company or make deposits and withdrawals to and from the account. By simply subscribing to the services provided by the digital currency platform server 100, users can conduct financial transactions using digital currency in an environment linked to multiple securities company systems.

[0041] Regarding deposit and withdrawal management, the digital currency platform server 100 can internally create and manage individual user accounts and support users' deposits and withdrawals of digital currency. For example, a user can store a portion of their digital currency through the digital currency platform server 100, and compensation (interest) can be paid for the stored digital currency based on at least one of the stored amount and storage period. A user can also withdraw digital currency from an account on the digital currency platform server 100 to their user terminal. By storing digital currency in an individual account or an individual account managed by the digital currency platform server 100, users can prevent the theft of their digital currency and the risk of losing digital currency due to loss or theft of their user terminal. Meanwhile, the digital currency stored in the digital currency platform server 100 can be used by the digital currency platform server 100 to provide other users with other financial services or financial products, and in some cases, the original owner of the stored digital currency can receive certain compensation.

[0042] In relation to the transaction history management operation, the digital currency platform server 100 can record all details of transactions that users have made through the digital currency platform server 100, and in particular, accompanying information related to each transaction, such as the amount of digital currency traded, the time of the transaction, the transaction duration, the transaction partner, the transaction purpose, whether the transaction was successful, or the purpose of the transaction, can be recorded together. Meanwhile, the digital currency platform server 100 can store this transaction history information itself, but more preferably, by distributing this transaction history on the blockchain, it is possible to prevent the transaction history information of individual users from being manipulated or lost without permission.

[0043] In terms of digital currency management, the digital currency platform server 100 naturally processes a large amount of digital currency because its purpose is to support a financial transaction environment in which digital currency is utilized. At this time, the digital currency platform server 100 can also independently maintain or manage errors among the large amount of digital currency processed. Digital currency exists in the form of specific data with software attributes that can be transmitted between devices. However, errors may occur during use in financial transactions, or the volume may increase, making it difficult to process. The digital currency platform server 100 can monitor for the presence of such abnormal digital currency and, if necessary, discard the digital currency or correct or improve the error, thereby maintaining a certain level of quality for digital currency used in the market. The process of destroying, restoring and improving digital currency may require additional procedures, such as approval procedures from the central bank digital currency systems 11, 12 and 13, or approval procedures from individual users, but the digital currency platform server 100 can perform management operations on digital currency on the premise that all of these procedures have been approved and completed.

[0044] Regarding currency exchange operations, the exchange operations may include exchanges between existing physical currency and digital (electronic) currency (e.g., exchanges between Korean won-denominated currency and Korean digital currency, or between Korean won-denominated currency and U.S. digital currency), or exchanges between national central bank digital currencies (e.g., exchanges between Korean digital currency and U.S. digital currency, or U.S. digital currency and China's digital currency). While the following description assumes that exchanges between physical currency and digital (electronic) currency in the digital currency platform server 100 according to the present invention are performed at a 1:1 ratio, it should be understood that this is merely an arbitrary ratio determined to facilitate understanding of the invention, and that the exchange ratio may vary. For reference, the term "exchange" is used in this detailed description to refer to transactions between existing currency and digital currency, but it should be understood that the term "exchange" may also be used instead for transactions between existing currency and digital currency, or transactions between digital currencies.

[0045] In addition to the operations mentioned herein, various operations related to transactions involving digital currency (CBDC) can be performed by the digital currency platform server 100.

[0046] Meanwhile, Figure 3 also lists for reference the operations that can be processed by a securities company system, which shows that the securities company system (represented as Securities Company A in the drawing) can perform account management, trading operations, cash management, product model management, bond dealing, rights, securities, public offerings, lending operations, overseas transactions, financial product sales, etc. Furthermore, each securities company system can be connected to the digital currency platform server 100 via a network as needed, and can approve and carry out financial transactions in response to financial transaction requests (e.g., deposit and withdrawal requests) from the digital currency platform server 100.

[0047]

[0019] In general terms, a method for providing a digital currency platform service by a digital currency platform server according to the present invention includes receiving an input for subscribing to a digital currency from a user terminal, a user of the user terminal interfacing with a specific securities company system based on the input received from the user terminal, receiving a selection input from a financial transaction menu from the user terminal, receiving an input from the user terminal of the amount of digital currency to be transacted, executing a digital currency financial transaction based on the selection input from the financial transaction menu and the input amount, and generating a transaction breakdown for the execution of the financial transaction and distributing it to a blockchain network, wherein the digital currency may be Central Bank Digital Currency (CBDC). Here, the financial transaction may include all types of financial transactions involving digital currency.

[0048] 4 is a diagram for specifically explaining the process of using the digital currency platform service from the perspective of an individual user, and more precisely, for examining the steps through which the securities company account management function provided by the digital currency platform server 100 is performed. It is assumed that the user in this embodiment holds digital currency issued by the Korea Central Bank Digital Currency System 11 or an equivalent institution in a digital wallet and uses the service while holding his / her own user terminal (smartphone).

[0049] 4, first, the digital currency platform server 100 receives necessary information from a user terminal and performs a step of registering the user as a member (S100). This step may involve a user authentication process, and the member registration step including the user authentication process may require the user's name, resident registration number, address, or other information that can identify the individual.

[0050] Next, a step of interlocking with a securities company (S110) is performed. This step is a step of networking the digital currency platform server 100 to interlock with a specific securities company system in response to a user request, and includes a step of receiving a selection input of a securities company from the user terminal (S111) and a step of receiving authentication from the securities company (S112).

[0051] If steps S100 and S110 are considered to be preliminary steps for full-scale use of the service, step S120 is considered to be the step in which the user actually uses the service.

[0052] Step S120 is a step of receiving a menu input for deposits and withdrawals from a user (S120). As described above, the digital currency platform server 100 can provide various services related to the user, among which this embodiment relates to a service in which a user deposits and withdraws digital currency in conjunction with a securities company account. From the perspective of the user experience, this step can be performed by a user running and logging in to an application (e.g., a Mobile CBDC Platform APP or Web) installed on their user device (smartphone) or PC, and then selecting the "Account Deposit / Withdrawal" menu from the menu displayed on the user device.

[0053] Thereafter, the step of inputting the deposit / withdrawal amount (S130) and the step of selecting the type of deposit / withdrawal (S140) are carried out, and after all selections from the user are completed, the step of the digital currency platform server 100 performing the deposit / withdrawal in conjunction with the securities company system (S150) can be carried out.

[0054] Figure 5 shows an example of a transaction table in a common ledger managed by the digital currency platform server 100. The digital currency platform server 100 records user transaction details and can record the transaction details in the form of a transaction table as shown in Figure 5, and this transaction table can be distributed and distributed and stored within the blockchain network. Here, the term "ledger" in this detailed description refers to something that the digital currency platform server 100 distributes to the blockchain network and records transactions made through the digital currency platform server 100, and the transaction table in Figure 5 may be the ledger itself or part of the data that constitutes the ledger.

[0055] Referring again to Figure 5, the transaction table may essentially include the user, securities company name, securities company account number and amount, and digital currency platform service account number (hereinafter referred to as service account number) and amount, and may additionally include items such as amount fluctuation, transaction type, whether the transaction was successful, and currency type. The transaction table in Figure 5 records the history of User A's use of the digital currency platform service linked to a securities company called Mirae OO. Looking at the transactions from the top, it can be seen that the first transaction records User A's opening of a new securities company account or digital currency platform service account (hereinafter referred to as service account), with 100,000 won initially deposited into the securities company account and 1,000 CBDC initially deposited into the service account. The second transaction involves User A depositing funds into a securities company account. The transfer of 1,000 CBDC from the service account to the securities company account results in a balance of 101,000 won. While this embodiment is described assuming a 1:1 value ratio between won and CBDC, it should be understood that this ratio can vary, and that the appropriate value ratio is applied to calculate the currency value when depositing or withdrawing currency. The third transaction involves a withdrawal from a securities company account to a service account. The transfer of 101,000 won from the securities company account to the service account results in a balance of 101,000 CBDC. The fourth transaction involves User A directly depositing 200,000 CBDC into the service account. The balance of the service account therefore results in a balance of 301,000 CBDC. The fifth transaction involves User A withdrawing 100,000 CBDC from his service account, bringing the balance of his service account to 201,000 CBDC.Finally, the sixth transaction relates to updating the balance in a securities company account. The balance in a securities company account may change depending on the performance of the securities company. The digital currency platform server 100 can update the balance in the securities company account by querying the securities company account as needed or periodically, and record it in the transaction table.

[0056] Figure 6 is also an example of a transaction table managed by the digital currency platform server 100. It differs from the transaction table example in Figure 5 in that the transaction table in Figure 5 records only the transaction details of User A, whereas the transaction table in Figure 6 records the transaction details of multiple users together. In this way, the digital currency platform server 100 can record a dedicated transaction table for one user and share it on the blockchain network, or can record a shared transaction table for multiple users and share it on the blockchain network. Referring to Figure 6, User A's first and second transactions relate to the opening of a new account and a withdrawal from a securities company account, respectively, and are the same as those in Figure 5, so detailed description will be omitted. User B's first transaction, on the other hand, is conducted while linked to another securities company system and relates to the opening of a new service account with an initial deposit of 10,000 CBDC into the service account. Additionally, User B's second transaction records User B transferring 1,000 CBDC to service account M00002, leaving a balance of 11,000 CBDC in service account M00002. User C's first transaction records User C withdrawing funds from service account M00003, leaving a balance of 9,000 CBDC in the service account. User D's first transaction is also a transaction with another securities company system, recording User D withdrawing 50,000 won from securities company account A00004, leaving a balance of 50,000 CBDC in service account M00004.

[0057] In this manner, the digital currency platform server 100 can record the details of transactions in which digital currency is used and distribute and store a transaction table or a ledger containing the transaction table on the blockchain network.

[0058] Figure 7 shows an example of an individual trading stocks with their own digital currency (CBDC) using the digital currency platform server 100. We will refer to Figure 7 to follow the steps in this process.

[0059] This process begins with a step of transmitting digital currency (CBDC) stored in a digital wallet 51 to the digital currency platform server 100 via a blockchain network at the request of a user who has been assigned a unique ID 50 and digital wallet 51. Incidentally, the digital currency platform server 100 according to the present invention can assign each user a separate identifier that is mapped to the unique ID 50 or digital wallet 51. For example, by inserting the alphabet letter "m" before the user's unique ID 50, the digital currency platform server 100 can also define and assign an identifier that is mapped one-to-one with the unique ID 50.

[0060] Meanwhile, the digital currency received by the digital currency platform server 100 can be immediately calculated in value based on the amount of spot currency at a predetermined rate, and the amount of spot currency equivalent to that value can be deposited into the user's account.

[0061] The spot currency transferred in this manner can be deposited or withdrawn from a securities company account in conjunction with the securities company system 201, and the spot currency deposited into the securities company account can be used to buy and sell stocks at the actual Korea Exchange 230.

[0062] In this process, all data processing processes carried out in the digital currency platform server 100 can be recorded as transaction history data, and such transaction history can be shared with multiple participants on the blockchain network to enhance security.

[0063] Figure 8 shows another embodiment of the services provided by the digital currency platform server 100, and is a diagram showing a method for providing digital currency platform services that includes a process of obtaining approval from an approval authority when making a transaction.

[0064] 8, it is assumed that a digital currency platform service application or a digital wallet application has already been installed on the user terminal 10 and is used as a means of holding, storing, and settling the user's digital currency. Meanwhile, in order to carry out financial transactions such as securities, account management, deposit and withdrawal transactions, transaction details management, and currency exchange using the digital currency held by the user, the user can first select the desired financial transaction from the digital currency platform server 100 and request the desired transaction service, and the digital currency platform server 100 can receive this (S801).

[0065] For reference, Figure 2 shows the process by which the digital currency platform server 100 supports the user in providing securities trading services through digital currency when the user selects securities trading. The securities at this time may include monetary securities, commodity securities, capital securities, bearer securities, selective bearer securities, factor securities, and non-factor securities.

[0066] After step S801, the digital currency platform server 100 may receive digital currency from the user terminal 10. Here, the digital currency transmitted from the user terminal 10 may have undergone an ownership change approval (S802) by the approval authority 400 in order to enhance trust and transaction security between transacting parties. Here, the approval authority 400 may be an institution that issued the digital currency or is delegated by the issuing institution. For example, the approval authority 400 may be a central bank or a separate institution delegated by the central bank to approve ownership changes. The approval authority 400 may be an institution operated or managed by a central government. In this case, prior to approving the ownership change of the digital currency, the approval authority 400 may track the flow of the digital currency whose ownership is to be changed and verify whether the digital currency belongs to a legitimate user, whether it has been illegally intervened, or whether it has been counterfeited or altered.

[0067] Meanwhile, the approval agency 400 can collaborate with commercial banks to verify digital currencies, and commercial banks that collaborate with the approval agency 400 to verify digital currencies are given the authority to change ownership of digital currencies up to a predetermined quota as a kind of compensation. However, when commercial banks change ownership of digital currencies, they must be continuously managed and supervised by the approval agency 400. In addition, when commercial banks are given the authority to approve changes in ownership of digital currencies, if the transaction amount is below a predetermined amount, the commercial banks may approve the change in ownership of digital currencies, and if the transaction amount exceeds the predetermined amount, the central bank may also directly approve the change in ownership of digital currencies, thereby decentralizing the role of the approval agency.

[0068] Referring again to FIG. 8, in the process in which the user terminal 10 transmits digital currency to the digital currency platform server 100, if the approval authority 400 approves the change in ownership of the digital currency, the digital currency platform server 100 can finally receive the digital currency whose ownership has been changed (S803).

[0069] When receiving digital currency whose ownership has changed, the digital currency platform server 100 can calculate the value of the digital currency based on the spot currency at a predetermined ratio (S805). At this time, the predetermined ratio can vary depending on the type of security. For example, digital currency and legal tender (existing paper currency) can have a 1:1 ratio, the ratio of a capital security bond can be predetermined based on the ratio agreed upon when the creditor and debtor enter into a contract, and the ratio of a commodity security bill of lading can be predetermined based on the ratio agreed upon between the shipper and carrier when the bill of lading is issued.

[0070] The digital currency platform server 100 calculates the value of the digital currency based on the spot currency at a predetermined ratio, and then transmits the spot currency to the institution where the transaction is being conducted, i.e., the trading institution 300, thereby completing the digital currency transaction between the user and the trading institution 200.

[0071] The embodiment shown in FIG. 8 can also be applied to securities transactions using digital currency, i.e., when security tokens (STOs) are used as a trading medium. Security tokens refer to various real assets, such as stocks, bonds, real estate, and artwork, that are tokenized and sold like stocks. Using security tokens (STOs) allows users to share profits with others, thereby resolving the issue of cash liquidity. Meanwhile, security tokens (STOs) have traditionally been traded primarily through private companies or securities firms without special government intervention. Because security tokens have yet to be clearly defined and their usefulness is uncertain, they have not attracted public attention. However, when using the present invention, the existence of an intermediate approval process for security tokens can resolve the ambiguity issue, thereby enhancing the security and reliability of digital currency transactions and increasing the versatility of security tokens (STOs).

[0072] FIG. 9 shows another embodiment, illustrating a digital currency transaction process using a settlement code.

[0073] The digital currency platform service providing method according to Figure 9 is intended to enable financial transactions mediated by digital currency not only in online environments but also in offline environments, and is a payment method that allows a user to receive a payment code from the digital currency platform server 100 and easily perform digital currency transactions anytime and anywhere without online / offline restrictions by utilizing the payment code. For example, if a user who has stored digital currency in the user terminal 10 attempts to make a purchase at a convenience store using the digital currency but the user terminal 10 loses connection to the Internet, the user can have the digital currency platform server 100 present the payment code provided when subscribing to the service to the convenience store, allowing the convenience store to recognize the payment code and perform the digital currency transaction.

[0074] The payment code in this case is a code containing a series of information related to payment, such as a barcode or QR code (registered trademark), and can be provided when a user subscribes to a digital currency platform service. Although such a payment code is a unique user code that identifies the user when trading digital currency, a service can be provided in which the user's payment code is updated after a certain period of time to prevent other users from stealing it or obtaining unfair benefits.

[0075] Meanwhile, to recognize a user's payment code, a code recognition device that recognizes the payment code is naturally required, and the code recognition device can usually be installed in affiliated stores that subscribe to the digital currency platform service. The code recognition device can be a barcode recognition device or a QR code recognition device, and these devices can be linked to the affiliated store terminal 500. Furthermore, in consideration of the fact that digital currency transactions can be conducted even between users who are not affiliated stores, the payment code can also be recognized by a camera installed in the user terminal 10.

[0076] Referring to FIG. 9, the digital currency transaction service using a payment code begins with the digital currency platform server 100 providing a payment code to a user who has subscribed to the digital currency platform service (S901).

[0077] Thereafter, the user can request a transaction by presenting the payment code to the affiliated store 500, and at this time, the affiliated store terminal 500 recognizes the payment code through a means capable of code recognition (S902).

[0078] Then, the affiliated store terminal 500 may send transaction information to the digital currency platform server 100 to request transaction approval, and the digital currency platform server 100 may receive and store the transaction information (S903). At this time, the transaction information may include information that can identify an individual transaction that may occur through a transaction between the user and the affiliated store terminal 500, such as the names of the transacting parties, the transaction amount, the transaction date, the transaction time, etc.

[0079] After step S903, the digital currency platform server 100 verifies whether the transaction is legitimate based on the transaction information and whether the transaction can be approved, and if it is verified, approves the transaction (S904).

[0080] After step S904, the digital currency platform server 100 can receive digital currency from the user terminal 10 after going through the ownership change approval process in Figure 8 (S905, S906).Then, the digital currency platform server 100 can calculate the value of the digital currency based on the spot currency according to a predetermined ratio and transmit the spot currency to the affiliated store terminal 500 to complete the transaction (S907).

[0081] The embodiment of FIG. 9 can be performed in a similar manner even when the network connection between the user terminal 10, the digital currency platform server 100, and the affiliated store terminal 500 is unavailable (offline state). This can be performed by matching transaction information to the payment code when the affiliated store terminal 500 recognizes the payment code from the user terminal 10, separately storing the transaction information within the affiliated store terminal 500, and then billing the digital currency platform server 100 when network connection becomes available. That is, referring to FIG. 9, the affiliated store terminal 500 can recognize the payment code from the user terminal 10 in an offline state, input the price of the product or service, match it with the payment code, and store the information to record the transaction. Meanwhile, when the network connection is unavailable, the affiliated store terminal 500 cannot immediately make a payment in spot currency. However, the affiliated store can provide the product or service to the user in advance and then later bill the payment for the transaction by transmitting the previously recorded transaction information to the digital currency platform server 100. This can be applied not only when the transaction using digital currency is conducted at the affiliated store terminal 500, but also when it is conducted between users, i.e., when transferring digital currency between smartphones. For example, in a place where no network environment is established, a payment code displayed on the display of a first smartphone is recognized by photographing it with the camera of a second smartphone, and the amount of digital currency to be received is matched and recorded on an application installed on the second smartphone together with the payment code. Later, when the second smartphone is in an environment where it can connect to the network, the previously recorded payment code and transaction information (amount of digital currency to be received) are transmitted to the digital currency platform server 100, and the user of the second smartphone can receive the digital currency.

[0082] On the other hand, when the digital currency platform server 100 receives the payment code and transaction information after the fact, it can withdraw the user's digital currency that was previously deposited and pay the digital currency for the transaction, or it can request the debtor user to transfer the digital currency so that the digital currency can be paid to the debtor user.

[0083] FIG. 10 shows another embodiment, specifically illustrating a digital currency charging process using a charge code.

[0084] 10 relates to a process in which, when the user terminal 10 has insufficient digital currency balance during a digital currency transaction between a user and a member terminal 500 and the transaction cannot proceed any further because the user terminal 10 does not have enough digital currency, the digital currency platform server 100 generates and provides a charge code and uses the charge code to easily charge digital currency anytime, anywhere, regardless of online or offline restrictions, thereby guiding the digital currency transaction to proceed. As a simple example, when a user who has stored digital currency in the user terminal 10 attempts to purchase an item at a convenience store using the digital currency, the user terminal 10 loses connection to the Internet and attempts a transaction using a payment code, but the digital currency balance stored in the user terminal is insufficient and the transaction cannot proceed any further, the digital currency platform server 100 generates a charge code and transmits the charge code to the member terminal 500. When the member terminal 500 presents the charge code to the user again, the user recognizes the charge code on the user terminal 10, charges digital currency, and then can resume the transaction using the charged digital currency.

[0085] The charge code here is a code that contains a series of information related to payment, such as a barcode or QR code (registered trademark), similar to the payment code in Figure 9, but differs from the payment code in that the information contained in the code is information related to charging digital currency.

[0086] 10, the present embodiment may begin with a step (S1001) in which the digital currency platform server 100 confirms that the digital currency balance of the user terminal 10 is insufficient. If it is confirmed that the digital currency balance is insufficient, the digital currency platform server 100 notifies the affiliated store terminal 500 of the fact that the digital currency balance is insufficient to the user terminal 10 (S1002).

[0087] Thereafter, the affiliated store terminal 500 can request the digital currency platform server 100 to generate a charge code in order to resume the transaction, and in response, the digital currency platform server 100 can generate a charge code (S1003) and transmit it to the affiliated store terminal 500 (S1004).

[0088] When the digital currency platform server 100 transmits the generated charge code to the trading institution 200, the trading institution provides the transmitted charge code to the user. As in the other embodiments described above, the method of providing the charge code may be such that when the charge code is output through the display means of the affiliated store terminal 500, the code is recognized by a recognition means (e.g., a camera) provided in the user terminal 10.

[0089] After the charge code is recognized, digital currency can be charged on the user terminal 10 (S1007), and the previously ongoing offline payment can be resumed using the charged digital currency.

[0090] Meanwhile, the charge code generated by the digital currency platform server 100 can also function as a promissory note. In the transaction process, when the user's digital currency balance is insufficient, the member store terminal 500 receives the charge code generated by the digital currency platform server 100, and when the member store terminal 500 presents the charge code to the user, the user recognizes the charge code through the user terminal 10, thereby immediately approving the transaction. The digital currency platform server 100 recognizes the act of recognizing the charge code on the user terminal 10 as an act of promising to pay the digital currency within a predetermined period of time. This can also be seen as a structure in which the digital currency platform server 100 requires the user to pay the digital currency within a predetermined period of time, and cancels the transaction if the user does not pay the digital currency within the predetermined period of time. As a result, the charge code can function similarly to a promissory note.

[0091] FIG. 11 shows another embodiment, and is a flowchart illustrating a method for providing a smart contract intermediary service.

[0092] FIG. 11 shows a so-called smart contract intermediation service in which the digital currency platform server 100 mediates contracts required for users' securities transactions, real estate transactions, etc., matches trading institutions that meet the conditions desired by the users, stores and preserves the contracts created at the time of the contract, and provides a post-contract service to check whether the conditions proposed by the contracting parties have been fulfilled by both parties even after the contract is concluded.

[0093] The smart contract intermediary server 600 shown in FIG. 11 may be another server that can be managed by the digital currency platform server 100. In simple terms, the smart contract intermediary server 600 may be a server that intervenes in and mediates the conclusion of a contract between an individual and an affiliated store terminal 500, between the affiliated store terminal 500 and another affiliated store terminal, and between individuals.

[0094] The smart contract intermediary server 600 provides a service that matches users who have subscribed to the smart contract intermediary service with trading institutions that meet their desired conditions. As a simple example, if a first user wants to rent a house with conditions such as a deposit of less than A won and a housing rent of less than B won, the first user can set up a real estate transaction with the smart contract intermediary service and set the conditions of a deposit of less than A won and a housing rent of less than B won. The smart contract intermediary service can match a trading institution 200 that meets the conditions with the second user, and even if the second user does not meet the conditions, it can match a member store or second user that meets similar conditions. Incidentally, the member stores or users who use this service are naturally member stores or users who have subscribed to the digital currency platform server 100, and it can be used for transaction services other than the real estate transaction mentioned above.

[0095] Meanwhile, the smart contract intermediary server 400 provides a service of storing and preserving a series of contract-related information, such as contracts, certificates, and guarantees, which can be used to assert rights between the parties to a contract after the contract is concluded. In other words, the smart contract intermediary server 400 stores and preserves contract-related information on behalf of users or affiliated stores to prevent the loss or misuse of contract-related information after the contract is concluded, especially for those new to the workforce who are still unfamiliar with contract transactions and vulnerable members of society who require continuous management and protection in financial transactions. In this case, the storage and preservation is naturally carried out in a manner distributed to a blockchain network.

[0096] Meanwhile, the smart contract intermediary server 400 can also provide a post-contract service that manages whether the contract terms proposed by the contracting parties at the time of contracting are being properly fulfilled even after the contract is concluded. As a simple example, if a first user and a second user who are subscribed to the digital currency platform server 100 conclude a contract through the smart contract intermediary server 400 and the condition at the time of contracting that the first user must pay 1 million won to the second user every month for one year is agreed upon, the smart contract intermediary server can check on behalf of the first user whether the first user has paid 1 million won to the second user every month for one year, keep a record of this, and provide a post-contract service that manages the contract even after the contract is concluded.

[0097] FIG. 12 shows another embodiment and is a diagram illustrating the function of monitoring transactions within the digital currency platform service.

[0098] The digital currency platform server 100, like the smart contract intermediary server 600, monitors transactions in real time and stores transaction details once a transaction is concluded, and can further operate a control server 700 that fundamentally blocks unfair financial transactions and illegal activities.

[0099] The control server 700 shown in FIG. 12 may be another server operated or managed by the digital currency platform server 100, and the control server 700 may be a server that intervenes in the process of a contract between an individual and an affiliated store terminal 500, a contract between the affiliated store terminal 500 and another affiliated store terminal, or a contract between individuals, and detects any attempted illegal acts during the contract or a user (fraudster) with a history of attempting illegal acts in the past, and blocks the contract before it is concluded.

[0100] The control server 700, like the smart contract intermediary server 600 described above, can monitor transactions in real time and monitor whether any illegal acts are being committed to obtain unfair benefits during the course of the transaction.

[0101] In addition, the control server 700 can monitor the transaction process in real time and store the details of the transaction when a user enters into a transaction.

[0102] Meanwhile, if an illegal act or an attempted illegal act occurs during the transaction process, the control server 700 can collect and store all information about the special user who committed the illegal act, such as the name information of the special user who committed or attempted the illegal act, the GPS address where the act occurred, the special user's terminal, and the special user's IP address (Internet Protocol address).

[0103] On the other hand, based on the stored transaction details and information on the special user, if a special user who has previously engaged in or attempted to engage in illegal activities attempts a transaction, the control server 700 can detect and block the special user's attempted transaction to prevent the special user from conducting a transaction or to protect the parties transacting with the special user.

[0104] In this way, the control server 700 can play a role in protecting and managing transactions by fundamentally blocking unfair transactions or illegal acts such as fraud when transactions are made by beginners in society who are not yet familiar with contract transactions or socially vulnerable people who need continuous management protection when making financial transactions.

[0105] Finally, Figure 13 is an embodiment with some modifications to the above-mentioned Figure 8, characterized in that when the approval authority 400 approves the change in ownership of the digital currency, a step of wrapping the digital currency (S1401) is performed.

[0106] Digital currency wrapping refers to binding various digital currencies issued by the digital currency issuing server 800 into one package and transmitting it to the digital currency platform server 100, assuming that there are various types of digital currencies.

[0107] Here, the package (hereinafter referred to as wrapping data) may include the approval of the approval institution regarding ownership changes, the approval institution's mark, and content stating that the approval institution guarantees that the digital currency can be used as a central bank digital currency (CBDC). The wrapping data may also include transaction-related information such as the names of the transacting parties, the type of transaction, the purpose of the transaction, and the time of the transaction. The wrapping data may also include information regarding the exchange rate or value of the digital currency, such as the exchange rate at the time of wrapping, taking into account the volatility of the digital currency value, and the ratio of the digital currency value agreed upon between the transacting parties.

[0108] Referring further to FIG. 13, the digital currency platform server 100 receives the wrapped digital currency (S1303), and thereafter, the digital currency platform server 100 calculates the value of the digital currency based on the spot currency at a predetermined ratio (S1305).

[0109] When the digital currency platform server 100 calculates the value of the digital currency based on the spot currency at a predetermined ratio, the spot currency is transmitted to the institution where the transaction is being conducted, i.e., the affiliated store terminal 500, and the digital currency transaction between the user and the affiliated store terminal 500 is completed.

[0110] In this way, when a digital currency transaction between the user terminal 10 and the affiliated store terminal 500 is completed through the digital currency platform server 100, the physical currency is transmitted to the affiliated store terminal 500, and only the wrapped digital currency remains in the digital currency platform server 100. However, since the wrapped digital currency here is a digital currency wrapped in wrapping data including an indication of approval from an approval agency and information regarding transfer of ownership, a step (S1402) of releasing the wrapping data of the wrapped digital currency can be performed to prevent reuse and misuse / abuse of the transacted digital currency.

[0111] When the wrapping data of the wrapped digital currency is released, the digital currency from which the wrapping data has been released reverts to the existing digital currency, i.e., the digital currency at the time of issue by the digital currency issuing server 800. As an easy-to-understand example, when a user is issued a first digital currency and a second digital currency and stores them in the user terminal, and the first digital currency and the second digital currency stored in the user terminal are wrapped by an approval institution for use in a transaction, the wrapping data is wrapped in the wrapped packages, respectively, so that they can be used as central bank digital currency (CBDC), and when the transaction is completed and the wrapping data is released, they are reverted to the first digital currency and the second digital currency originally issued to the user.

[0112] Although the figure shows only one digital currency issuing server 800, there may be multiple digital currency issuing servers as needed, and in particular, multiple servers may exist to issue different types of digital currency. Furthermore, the digital currency returned to the original issuing server in this way may be reused for later financial transactions.

[0113] Meanwhile, the authority to wrap digital currency is granted to the approval organization, and the authority to unwrap the wrapping data of the wrapped digital currency is granted only to the digital currency platform server 100, thereby preventing the reckless reuse or misuse / abuse of digital currency.

[0114] On the other hand, the digital currency platform server 100 may allow the user to choose whether to store the removed wrapping data or delete it completely, thereby encouraging the user to take the initiative in managing the details of digital currency transactions.

[0115] The above has discussed a digital currency platform server and the process of conducting transactions on such a server. It should be noted that the present invention is not limited to the specific embodiments and applications described above, and various modifications may be made by a person skilled in the art without departing from the spirit and scope of the present invention. However, such modifications should not be understood as being distinct from the technical ideas and perspectives of the present invention. [Explanation of symbols]

[0116] 10 User terminal 11 Central Bank Digital Currency System 11 Digital Currency System 50 Unique Identifiers 51 Digital Wallet 100 Digital Currency Platform Servers 200 trading institutions 201 Securities Company System 202 Banking System 203 Credit System (Card) 204 Insurance System 230 Korea Exchange System 250 Overseas stock trading system 300 trading institutions 400 Approval Authority 400 Smart Contract Intermediary Server 500 merchant terminals 600 Smart Contract Intermediary Servers 700 Control Server 800 Digital Currency Issuance Server

Claims

1. A method for a digital currency platform server to provide a digital currency platform service, comprising: receiving an input from a user terminal to subscribe to the digital currency; a step of interfacing a user of the user terminal with a specific securities company system based on an input received from the user terminal; receiving a selection input of a financial transaction menu from the user terminal; receiving an input of the amount of digital currency to be traded from the user terminal; Executing a digital currency financial transaction based on the selection input of the financial transaction menu and the input of the amount; generating a transaction record for the execution of the financial transaction and distributing the transaction record to a blockchain network; Including, The digital currency is a CBDC (Central Bank Digital Currency), The step of executing the financial transaction comprises: receiving digital currency stored in a digital wallet uniquely assigned to the user from the user terminal; Calculating the value of the received digital currency based on the spot currency according to a predetermined ratio; transmitting the calculated value of spot currency to a trading institution server; Including, The digital currency received from the user terminal is received after an approval procedure for approving a change in ownership of the digital currency is performed by a specific approval institution that is an institution that issued the digital currency or is delegated by the institution that issued the digital currency, The digital currency received from the user terminal is wrapped to bind one or more types of digital currency as a single package when the specific approval organization approves the ownership change of the digital currency, The package includes wrapping data including an approval indication for ownership changes by an approval institution, a guarantee that the digital currency can be used as a CBDC (Central Bank Digital Currency), information on the transfer of ownership of the digital currency, the current market price of the digital currency to be wrapped, and the ratio of the digital currency value agreed upon between the parties to the transaction, The method for providing a digital currency platform service, further comprising the step of unpacking the wrapped digital currency after the step of executing the financial transaction.

2. 2. The method for providing digital currency platform services as described in claim 1, wherein the transaction details distributed to the blockchain network include at least the user name, the securities company account number, the user's digital platform service account number opened through the digital currency platform server, the fluctuation of the digital currency due to the execution of the financial transaction, and the type of the financial transaction.

Images