Transaction hub platform for supporting transaction service of asset exchange using assets entrusted by asset exchange

Abstract

Disclosed is a method for providing a platform for managing assets under custody in conjunction with an asset exchange, the method comprising the steps in which a trustee institution server: stores, in a wallet of a first user subscribed as a member to the custodial institution server, entrusted assets of the first user; and sets a first limit, which the first user can use in a first exchange server subscribed as a member to the trustee institution server, among the stored entrusted assets, and transmits information about the first limit to the first exchange. The first exchange server is configured to display the information received about the first limit on a screen of the first user terminal when the first user accesses the first exchange server via the first user terminal. In addition, the first exchange server is configured to transact with the first user within the first limit when the first exchange server receives a transaction request from the first user terminal.

Description

A trading hub platform that supports the trading services of asset exchanges using assets entrusted by the asset exchange.

[0001] The present invention relates to a technology for a service platform supporting authentication of transaction qualifications for users of digital asset transaction services, and more particularly, to a technology for a service platform supporting authentication of transaction qualifications with enhanced stability and convenience.

[0002] A custodian is a financial institution that holds funds or securities belonging to entities other than the custodian, such as individuals or organizations, or acts as an agent for such entities. The custodian holds and manages these assets on behalf of the owner, who retains ultimate control and ownership of the assets. Examples of custodians include banks, trust companies, and asset management firms that provide custody services for client assets such as stocks, bonds, and other securities. In some cases, custodians may also provide investment management services, such as selecting and managing asset portfolios on behalf of the owner.

[0003] Generally, trustees have a fiduciary duty to act in the best interests of their clients and to exercise a high level of care and prudence in managing their clients' assets. They may be subject to regulatory oversight to ensure they meet certain standards of conduct and financial stability.

[0004] There are exchanges that trade virtual currencies, and you can trade (i.e. buy / sell) over 100 cryptocurrencies, including Bitcoin and Ethereum.

[0005] Figure 1 illustrates the services of a conventional exchange.

[0006] Conventional exchanges (100) provide a virtual currency trading service (101) and provide a custody service (102, 103) that entrusts legally recognized currencies (e.g., Korean Won, US Dollar, etc.) (Fiat Asset, FA) and digital assets (e.g., virtual currency, NFT, etc.) (Digital Asset, DA).

[0007] Here, the above digital asset (DA) may mean something other than the above legal tender (FA).

[0008] An asset exchange (100) is a digital platform that facilitates trading of various types of assets, such as stocks, bonds, commodities, and cryptocurrencies. These exchanges (100) provide a marketplace where buyers and sellers can buy and sell assets at mutually agreed-upon prices.

[0009] Asset exchanges can be centralized or decentralized. Centralized exchanges are operated by a single entity that manages the trading platform and connects buyers and sellers. Decentralized exchanges, on the other hand, are based on blockchain technology and operate in a peer-to-peer (P2P) manner, without a central authority or intermediary.

[0010] In addition to facilitating asset trading, some exchanges may offer additional services, such as asset custody, asset management tools, and analytics to track market trends and performance. These services may be provided by the exchange itself or through third-party providers.

[0011] A cryptocurrency exchange, a type of exchange, is a digital platform where individuals can trade various cryptocurrencies, such as Bitcoin, Ethereum, and Litecoin. These exchanges act as intermediaries between buyers and sellers, facilitating the exchange of cryptocurrencies for fiat currency or other cryptocurrencies.

[0012] Cryptocurrency exchanges typically operate similarly to traditional stock exchanges, where buyers and sellers place orders to buy or sell a specific cryptocurrency at a specific price.

[0013] In addition to facilitating cryptocurrency trading, many cryptocurrency exchanges may offer additional features, such as wallets for storing cryptocurrencies, charts and analytics for tracking prices and trends, and various tools for managing trades and portfolios.

[0014] Cryptocurrency exchanges may provide wallets, digital tools used to store and manage cryptocurrencies. However, you may also use a separate, dedicated wallet to store your cryptocurrencies.

[0015] Customers in a conventional exchange (100) may include corporations and individuals, and there may be transaction types such as transactions between individuals, transactions between individuals and corporations, transactions between corporations, and transactions between individuals / corporations and the exchange itself.

[0016] Figure 2 is a drawing for explaining a method of providing trading services in conventional exchanges.

[0017] In the case of the Korean securities trading service, authority is structured to be decentralized among securities firms (brokerage), the Korea Exchange (trade execution (i.e., buying and selling, clearing, listing)), and the Korea Securities Depository (settlement and deposit). In contrast, conventional virtual currency exchanges, as described above, solely perform transaction services (brokerage, buying and selling, clearing, listing) and custody services (settlement and deposit). For example, when a first conventional exchange (110) receives a virtual currency transaction request from a customer, it can transact directly without going through another institution by changing the legally recognized currency (FA) or digital asset (DA) it is entrusting. A second conventional exchange (120) can also provide transaction services and custody services in the same manner as the first conventional exchange (110).

[0018] Meanwhile, due to the service structure of these traditional exchanges, cryptocurrency exchanges often pose a risk to the safety of customers' assets by allowing them to make illegal investments using assets entrusted to them.

[0019] Furthermore, if the ownership of digital assets cannot be verified, the assets can be used for illegal financial transactions such as money laundering. Therefore, the government has included virtual asset operators in the definition of financial institutions, etc., under the Act on Reporting and Use of Specific Financial Transaction Information, and has mandated anti-money laundering measures. Furthermore, Know Your Customer (KYC) requirements have been imposed, requiring companies involved in digital assets to verify users' identities to prevent digital asset transactions from being used for money laundering. This identity verification process typically requires a government-issued, official ID, such as a resident registration card or driver's license. However, numerous companies offer services related to digital asset trading and management, and users (customers) wishing to use these services must present their ID each time they sign up for services offered by these companies. This repetitive requirement to provide identification can act as a barrier to signing up for digital asset-related services.

[0020] The present invention provides a technology that enables a user wishing to subscribe to a service related to digital assets to perform real-name authentication without providing his or her identification to the service provider.

[0021] The present invention aims to provide a platform for managing custody assets in conjunction with multiple asset exchanges, as well as a server and system therefor.

[0022] The present invention aims to provide a platform capable of providing reliable and secure services by separating digital asset and payment custody services and payment services.

[0023] The present invention aims to provide a method for minimizing problems arising from delays in transaction communication by setting and providing a limit that can be used by a first user for each exchange server.

[0024] The present invention provides a platform for managing custodial assets in conjunction with multiple asset exchanges and third-party custodians, as well as a server and system therefor.

[0025] The present invention provides a method for providing a service platform that supports authentication of transaction qualifications of digital asset transaction users.

[0026] According to one aspect of the present invention, a method for providing a platform for managing entrusted assets in conjunction with a plurality of asset exchanges comprises: a step (S34) in which a trustee server (10) receives a deposit of fiat currency and / or digital assets together with a trust request from a first user terminal (20) of a first user who has registered as a member of the trustee server; a step (S35) in which the trustee server stores the fiat currency and / or digital asset for which the trust request has been received in a first user wallet (W1) for the first user; a step (S100) in which the trustee server sets a first limit of fiat currency and / or digital assets that can be used by the first user in a first exchange server operated by a first exchange that has registered as a member of the trustee server among the fiat currency and / or digital assets for which the trust request has been received; And the trustee server may include a step (S110) of transmitting information about the first limit set for the first user to the first exchange server. At this time, the first exchange server is configured to display the information about the first limit received on the screen of the first user terminal when the first user accesses the first exchange server through the first user terminal (21), and the first exchange server may be configured to conduct a transaction with the first user within the first limit when receiving a transaction request from the first user terminal.

[0027] At this time, the method may further include, prior to the transmitting step, a step (S100) in which the trustee server sets a second limit of the legal tender and / or digital assets that the first user can use on a second exchange server operated by a second exchange registered with the trustee server among the legal tender and / or digital assets for which the trustee server has received the consignment request. At this time, the trustee server is configured to transmit information about the second limit set for the first user to the second exchange server, and the second exchange server is configured to display the information about the second limit received on the screen of the first user's terminal when the first user accesses the second exchange server through the first user's terminal (21), and the second exchange server is configured to conduct a transaction with the first user within the second limit when receiving a transaction request from the first user's terminal, and the sum of the first limit and the second limit of the legal tender and / or digital asset may be characterized as being less than or equal to the legal tender and / or digital asset for which the consignment request has been received.

[0028] At this time, the first limit and / or the second limit may be set by the trustee server according to a predetermined rule, or the first limit and / or the second limit may be set by the first user and provided to the trustee server by the first user terminal.

[0029] At this time, if the first limit and / or the second limit are provided from the first user terminal, the step of the trustee server setting the first limit may further include a step of receiving a request for setting a transaction limit from the first user terminal, together with the first limit for the first exchange server and / or the second limit for the second exchange server.

[0030] According to another aspect of the present invention, a method for providing a platform for managing entrusted assets in conjunction with a plurality of asset exchanges comprises the steps of: a step (S34) in which a trustee server (10) receives a deposit of fiat currency and / or digital assets together with a trust request from a first user terminal (20) of a first user who has registered as a member of the trustee server; a step (S35) in which the trustee server stores the fiat currency and / or digital assets for which the trust request has been received in a first user wallet (W1) for the first user; The method may include a step (S100) in which the trustee server sets a first limit of the fiat currency and / or digital assets that can be used by the first user on a first exchange server operated by a first exchange that has registered as a member of the trustee server among the fiat currency and / or digital assets for which the trustee server has received a trust request, and sets a second limit of the fiat currency and / or digital assets that can be used by the first user on a second exchange server operated by a second exchange that has registered as a member of the trustee server; and a step in which the trustee server transmits information about the first limit set for the first user to the first exchange server, and transmits information about the second limit set for the first user to the second exchange server. At this time, the sum of the first limit and the second limit is less than or equal to the legal tender and / or digital asset for which the consignment request has been received, and the first exchange server may be configured to transact with the first user within the first limit when receiving a transaction request from the first user terminal, and the second exchange server may be configured to transact with the first user within the second limit when receiving a transaction request from the first user terminal.

[0031] At this time, the first limit and / or the second limit may be set by the trustee server according to a predetermined rule, or the first limit and / or the second limit may be set by the first user and provided to the trustee server by the first user terminal.

[0032] At this time, if the first limit and / or the second limit is information provided from the first user terminal, the step of the trustee server setting the first limit may further include a step of receiving a request for setting a transaction limit from the first user terminal, together with the first limit for the first exchange server and / or the second limit for the second exchange server.

[0033] At this time, the method may further include, prior to the transmitting step, a step (S30) in which the trustee server receives fiat currency and digital assets from the first exchange server together with a consignment request; and a step (S31) in which the trustee server stores information on the fiat currency and digital assets of the first exchange server that has received the consignment request in a first exchange server wallet (W31) for the first exchange server. And, the method may further include, after the transmitting step, a step (S41~S42) in which the trustee server, when requested by the first exchange server for proof of the balance of the first user, provides proof information of the first user wallet of the first user to the first exchange server; a step (S44) in which the trustee server receives, from the first exchange server, a transaction history between the first exchange and the first user concluded using the proof information; The method may include a step (S45) in which the trustee server updates the information on the fiat currency and digital assets of the first user's wallet (W1) using the provided transaction details, and updates the information on the fiat currency and digital assets of the first exchange server wallet; and a step (S46-S47) in which the trustee server provides the updated information on the fiat currency and digital assets of the first user to the first user terminal, and provides the updated information on the fiat currency and digital assets of the first exchange server to the first exchange server. In this case, the first exchange server may be an exchange server where the first user has registered as a member, and the transaction details may be transaction details made when the first user requests a transaction to the first exchange server using the first user terminal.

[0034] At this time, the method may further include, prior to the transmitting step, a step (S32) in which the trustee server receives fiat currency and digital assets from the second exchange server together with a consignment request; and a step (S33) in which the trustee server stores information on the fiat currency and digital assets of the second exchange server that has received the consignment request in a second exchange server wallet (W32) for the second exchange server. And, the method may further include, after the transmitting step, a step (S51~S52) in which the trustee server, when requested by the second exchange server for proof of the balance of the first user, provides the second user's second proof information of the first user's wallet to the second exchange server; a step (S54) in which the trustee server receives, from the second exchange server, a second transaction history between the second exchange and the first user concluded using the second proof information; The method may further include a step (S55) in which the trustee server updates the information on the fiat currency and digital assets of the first user's wallet (W1) using the second transaction details provided, and updates the information on the fiat currency and digital assets of the second exchange server wallet; and a step (S56-S57) in which the trustee server provides the updated information on the fiat currency and digital assets of the first user to the first user's terminal, and provides the updated information on the fiat currency and digital assets of the second exchange server to the second exchange server. In addition, the second exchange server may be an exchange server to which the first user has registered, and the second transaction details may be transaction details made when the first user requests a transaction to the second exchange server using the first user's terminal.

[0035] At this time, the method may further include a step (S60) in which the trustee server receives a request for withdrawal of legal tender and / or digital assets from the first user's wallet (W1) from the first user's terminal; and a step (S60) in which the trustee server executes withdrawal of the first user's legal tender and / or digital assets.

[0036] At this time, the above-mentioned trustee server provides a service platform for entrusting legal tender and digital assets, and the above-mentioned first exchange server and the above-mentioned second exchange server may provide only a digital asset transaction service platform, or may provide both a digital asset transaction service and a trust service platform.

[0037] At this time, the first user may include individual investors, corporate investors, and / or institutional investors.

[0038] According to another aspect of the present invention, a platform system for managing entrusted assets in conjunction with multiple asset exchanges may include a trustee server (10) that provides a trustee service for fiat currency and digital assets of multiple registered users and multiple exchange servers; and multiple exchange servers (30) that are configured to receive, from the trustee server at predetermined points in time, synchronization information on fiat currency and / or digital assets entrusted by a first user among the multiple users entrusted to the trustee server. In this case, the trustee server is configured to set a first limit of fiat currency and / or digital assets that the first user can use among the fiat currency and / or digital assets entrusted by the first user at any first exchange server among the multiple exchange servers, and the synchronization information of the first user provided to the first exchange server may be synchronization information including information regarding the first limit. And the custodian server is configured to set a second limit of legal tender and / or digital assets that the first user can use on any second exchange server among the plurality of exchange servers, and the synchronization information of the first user provided to the second exchange server may be synchronization information including information regarding the second limit. At this time, the sum of the first limit and the second limit may be less than or equal to the legal tender and / or digital assets that the custodian server has requested for consignment by the first user. At this time, when the first exchange server receives a transaction request from the first user terminal, the first exchange server may be configured to transact with the first user within the first limit, and when the second exchange server receives a transaction request from the first user terminal, the second exchange server may be configured to transact with the first user within the second limit.

[0039] At this time, the first limit and / or the second limit may be set by the trustee server according to a predetermined rule, or the first limit and / or the second limit may be set by the first user and provided to the trustee server by the first user terminal.

[0040] At this time, if the first limit and / or the second limit is information provided from the first user terminal, the step of the trustee server setting the first limit may further include a step of receiving a request for setting a transaction limit from the first user terminal, together with the first limit for the first exchange server and / or the second limit for the second exchange server.

[0041] According to another aspect of the present invention, a method for providing a platform for managing entrusted assets in conjunction with an exchange is provided, comprising: a step (S30) in which a trustee server receives a fiat currency and digital assets from a first exchange server that has registered as a member of the trustee server together with a consignment request; a step (S31) in which the trustee server stores the fiat currency and digital assets of the first exchange server that has received the consignment request in a first exchange server wallet (W31) for the first exchange server; a step (S34) in which the trustee server (10) receives a fiat currency and / or digital assets from a first user terminal (20) of a first user that has registered as a member of the trustee server together with a consignment request; a step (S35) in which the trustee server stores the fiat currency and / or digital assets that have received the consignment request in a first user wallet (W1) for the first user; A step (S36) whereby the trustee server synchronizes the stored information on the fiat currency and / or digital assets of the first user with the first exchange server (31); A step (S41-S42) whereby the trustee server, when requested by the first exchange server for proof of the balance of the first user, provides proof information of the first user wallet of the first user to the first exchange server; A step (S44) whereby the trustee server receives, from the first exchange server, transaction details between the first exchange operating the first exchange server and the first user, concluded using the proof information; A step (S45) whereby the trustee server updates the information on the fiat currency and digital assets of the first user wallet (W1) using the provided transaction details, and updates the information on the fiat currency and digital assets of the first exchange server wallet; And the trustee server may include a step (S46 to S47) of providing the updated information on the legal currency and digital assets of the first user to the first user terminal and providing the updated information on the legal currency and digital assets of the first exchange server to the first exchange server.At this time, the first exchange server is the exchange server where the first user registered as a member, and the transaction details may be transaction details made when the first user requested a transaction to the first exchange server using the first user terminal.

[0042] At this time, the method for providing a platform for operating entrusted assets in conjunction with the exchange comprises: a step (S32) in which the entrusted institution server receives a fiat currency and digital assets together with a consignment request from a second exchange server that has registered as a member of the entrusted institution server; a step (S33) in which the entrusted institution server stores the fiat currency and digital assets of the second exchange server that has received the consignment request in a second exchange server wallet (W32) for the second exchange server; a step (S37) in which the entrusted institution server synchronizes the stored information on the fiat currency and / or digital assets of the first user with the second exchange server (32); a step (S51-S52) in which the entrusted institution server provides second proof information of the first user's first user wallet to the second exchange server when the second exchange server requests proof of the first user's balance; A step (S54) in which the trustee server receives, from the second exchange server, a second transaction history between the first exchange operating the second exchange server and the first user, concluded using the second proof information; a step (S55) in which the trustee server updates the information on the fiat currency and digital assets of the first user's wallet (W1) using the second transaction history received, and updates the information on the fiat currency and digital assets of the second exchange server wallet; And the step (S56~S57) of the trustee server providing the updated information on the legal currency and digital assets of the first user to the first user terminal and providing the updated information on the legal currency and digital assets of the second exchange server to the second exchange server is further included; wherein the second exchange server is an exchange server where the first user has registered as a member, and the second transaction details may be transaction details made when the first user requests a transaction to the second exchange server using the first user terminal.

[0043] At this time, the method for providing a platform for managing entrusted assets in conjunction with the exchange may further include a step in which the entrusted institution server receives a request for withdrawal of legal tender and / or digital assets from the first user's terminal; and a step (S60) in which the entrusted institution server executes the withdrawal of the first user's legal tender and / or digital assets.

[0044] At this time, the above-mentioned trustee server provides a service platform for entrusting legal tender and digital assets, and the above-mentioned first exchange server and the above-mentioned second exchange server may provide only a digital asset transaction service platform, or may provide both a digital asset transaction service and a trust service platform.

[0045] At this time, the first user may include individual investors, corporate investors, and / or institutional investors.

[0046] According to another aspect of the present invention, a platform system for managing entrusted assets in conjunction with an exchange may include a trust server (10) that provides a trust service for fiat currency and digital assets of a plurality of registered users and a plurality of exchange servers; and a plurality of exchange servers (30) that are configured to receive synchronization information on fiat currency and / or digital assets of a first user among the plurality of users entrusted to the trust server from the trust server. At this time, when the first exchange server among the plurality of exchange servers receives a transaction request from the first user terminal used by the first user, the first exchange server requests the trustee server for proof of the balance of the first user and receives proof information of the first user wallet of the first user from the trustee server, and the first exchange server determines whether to conclude the requested transaction using the proof information of the first user, and when the transaction is concluded, the trustee server receives the transaction details from the first exchange server and updates the information of the fiat currency and digital assets of the first user wallet of the first user and the information of the fiat currency and digital assets of the first exchange server wallet of the first exchange server, and the trustee server provides the updated information of the fiat currency and digital assets of the first user to the first user terminal and updates the updated information of the first exchange server. Information on legal tender and digital assets may be provided to the first exchange server.

[0047] At this time, the trustee server may be configured to synchronize the updated legal tender and digital asset information of the first user with the second exchange server among the multiple exchange servers to which the first user has registered.

[0048] At this time, when the trustee server receives a deposit of fiat currency and digital assets of the first exchange that operates the first exchange server together with a consignment request from the first exchange server, the trustee server may be configured to store the fiat currency and digital assets of the first exchange that received the consignment request in the first exchange server wallet (W31) of the first exchange server, and when the trustee server receives a deposit of fiat currency and / or digital assets of the first user together with a consignment request from the first user terminal (20), the trustee server may be configured to store the fiat currency and / or digital assets of the first user that received the consignment request in the first user wallet (W1) of the first user.

[0049] At this time, the above-mentioned trustee server provides a service platform for entrusting legal tender and digital assets, and the above-mentioned first exchange server and the above-mentioned second exchange server may provide only a digital asset transaction service platform, or may provide both a digital asset transaction service and a trust service platform.

[0050] At this time, the first user may include individual investors, corporate investors, and / or institutional investors.

[0051] According to another aspect of the present invention, a step (S320, S321, S340, S341) in which a trustee server (10) receives a request for entrustment of legal tender and / or digital assets from a third trustee server (40) of a third trustee and a first exchange server (31) of a first exchange and stores the request in a wallet (W40) of the third trustee server and a wallet (W31) of the first exchange managed by the trustee server (10); a step (S350, S351) in which the trustee server (10) receives information on the fact of entrustment of legal tender and / or digital assets of a first user who has registered as a member of the third trustee server from the third trustee server (40) and stores the information as a record; a step (S361) in which the trustee server receives a request for proof of the balance of the first user from the first exchange server; A step (S362) whereby the trustee server provides the balance details of the first user to the first exchange server using the stored record; a step (S364) whereby the trustee server receives transaction details with the first user from the first exchange server; a step (S370, S371) whereby the trustee server updates the balances of the wallet of the third trustee and the wallet of the first exchange by transferring assets of the wallet (W31) of the first exchange and the wallet of the third trustee on behalf of the first user using the received transaction details, and updates the record of the first user; And a step (S373) in which the custodian server provides a record of the balance of the first user and information on the balance of the wallet (W40) of the third custodian to the third custodian server, and provides information on the balance of the wallet (W31) of the first exchange to the first exchange server; a method for providing a trading hub platform that supports a trading service of an asset exchange using assets entrusted by a third-party asset custodian may be provided.At this time, the third trustee server is configured to transfer legal tender and / or digital asset information between the third trustee's wallet (W41) stored in the third trustee server and the first user's wallet (W1) using the record of the first user's balance and the information on the balance of the third trustee's wallet (W40).

[0052] At this time, the third-party trustee server is a server that provides a trust service for legal tender and / or digital assets, and the third-party trustee server may be configured to create a wallet (W1) of the first user when it receives a request for trust of legal tender and / or digital assets from the first user terminal of the first user.

[0053] At this time, the third trustee server is a server that provides a fiat currency trust service, and the third trustee server may be configured to create a first user's wallet (W1) for storing the first user's fiat currency when receiving a request for trust of fiat currency and digital assets from the first user's terminal. In addition, the method for providing a transaction hub platform may further include a step (S405) in which the trustee server receives a request for trust of the first user's digital assets from the third trustee server; a step (S406) in which the trustee server creates a firsta user wallet (W1a) for storing the first user's digital assets; and a step in which the trustee server stores the digital assets of the first user for which trust has been requested in the firsta user wallet. At this time, the record is for the legal tender of the first user, and the step of providing the balance details of the first user may be a step of providing the record and the balance details of the wallet of the first user.

[0054] At this time, when updating the balances of the third-party trustee's wallet (W40) and the first exchange's wallet, the trustee server may be configured to further update the balance of the first-party user's wallet. Furthermore, among the transaction details provided, the balances of the third-party trustee's wallet and the first exchange's wallet may be updated through a transfer between the third-party trustee's wallet (W40) and the first exchange's wallet (W31) for fiat currency. Furthermore, among the transaction details provided, the balances of the first exchange's wallet and the first-party user's wallet may be updated through a transfer between the first exchange's wallet and the first-party user's wallet for digital assets. And when the trustee server provides the record of the balance of the first user to the third trustee server, it may be configured to further provide information on the balance of the 1a user wallet (W1a) of the first user. And the third trustee server may be configured to update the wallet (W1) of the third trustee and the wallet (W1) of the first user through a legal tender transfer between the wallet (W41) of the third trustee stored in the third trustee server and the wallet (W1) of the first user by using the record of the balance of the first user, the information on the balance of the 1a user wallet (W1a), and the information on the balance of the wallet (W40) of the third trustee.

[0055] At this time, the third trustee server is a server that provides a digital asset trust service, and the third trustee server may be configured to create a wallet (W1) of the first user for storing the digital assets of the first user when a request for entrustment of legal tender and digital assets is received from the first user terminal of the first user. In addition, the method for providing a transaction hub platform may further include a step in which the trustee server receives a request for entrustment of the legal tender of the first user from the third trustee server; a step in which the trustee server creates a 1a user wallet (W1a) for storing the legal tender of the first user; and a step in which the trustee server stores the legal tender of the first user for which the entrustment request has been received in the 1a user wallet. And the above record is about the digital assets of the first user, and the step of providing the balance details of the first user may be a step of providing the record and the balance details of the wallet of the first user.

[0056] At this time, when updating the balances of the third-party trustee's wallet (W40) and the first exchange's wallet, the trustee server may be configured to further update the balance of the first-party user's wallet. Furthermore, among the provided transaction histories, the balances of the third-party trustee's wallet and the first exchange's wallet may be updated through a transfer between the third-party trustee's wallet (W40) and the first exchange's wallet (W31) for digital assets. Furthermore, among the provided transaction histories, the balances of the first exchange's wallet and the first-party user's wallet may be updated through a transfer between the first exchange's wallet and the first-party user's wallet for fiat currency. And when the trustee server provides the record of the balance of the first user to the third trustee server, it may be configured to further provide information on the balance of the 1a user wallet (W1a) of the first user. And the third trustee server may be configured to update the wallet (W1) of the third trustee and the wallet (W1) of the first user by transferring digital assets between the wallet (W41) of the third trustee stored in the third trustee server and the wallet (W1) of the first user using the record of the balance of the first user, information on the balance of the 1a user wallet (W1a), and information on the balance of the wallet (W40) of the third trustee.

[0057] According to another aspect of the present invention, a trading hub platform system may be provided that supports trading services of an asset exchange using assets entrusted by a third-party asset trust institution, including a third-party trust institution server (40) of a third-party trust institution that provides trust services for fiat currency and / or digital assets from a plurality of users; a first exchange server (31) of a first exchange that provides trading services for fiat currency and digital assets; and a trust institution server (10) that provides trust services for fiat currency and digital assets of the third-party trust institution server and the first exchange server. In this case, the trust institution server receives a trust request for fiat currency and / or digital assets from the third-party trust institution server and the first exchange server and stores the request in a wallet (W40) of the third-party trust institution server and a wallet (W31) of the first exchange server. And the trustee server is configured to receive information about the fact of entrustment of legal tender and / or digital assets of the first user among the plurality of users who have registered with the third trustee server from the third trustee server and store the information as a record. And when the trustee server receives a request for proof of the balance of the first user from the first exchange server, the trustee server is configured to provide the balance details of the first user to the first exchange server using the stored record. And when the trustee server receives the transaction details with the first user from the first exchange server, the trustee server uses the received transaction details to transfer assets between the wallet (W40) of the third trustee and the wallet (W31) of the first exchange on behalf of the first user, thereby updating the balances of the wallet of the third trustee and the wallet of the first exchange, and updating the record of the first user. And the above-mentioned trustee server is configured to provide the third trustee server with a record of the first user's balance and information on the balance of the third trustee's wallet (W40), and to provide the first exchange server with information on the balance of the first exchange's wallet (W31).And the third trustee server is configured to transfer legal tender and / or digital asset information between the third trustee's wallet (W41) stored in the third trustee server and the first user's wallet (W1) using the record of the first user's balance and the information on the balance of the third trustee's wallet (W40).

[0058] At this time, if the third trustee server is a server that provides a fiat currency trust service, the third trustee server may be configured to create a first user's wallet (W1) for storing the first user's fiat currency when receiving a request for fiat currency and digital assets from the first user's terminal, and if the trustee server receives a request for digital assets of the first user from the third trustee server, the trustee server may be configured to create a 1a user wallet (W1a) for storing the digital assets of the first user and store the digital assets of the first user for which the trust request has been made in the 1a user wallet. In addition, the record is for the fiat currency of the first user, and if the trustee server provides the balance details of the first user to the first exchange server, the record and the balance details of the 1a user's wallet may be provided.

[0059] At this time, when updating the balance of the wallet (W40) of the third trustee and the wallet of the first exchange, the trustee server may further update the balance of the wallet of the first user a, and may update the balance of the wallet of the third trustee and the wallet of the first exchange through a transfer between the wallet (W40) of the third trustee and the wallet (W31) of the first exchange for legal tender among the transaction details provided, and may update the balance of the wallet of the first exchange and the wallet of the first user a through a transfer between the wallet of the first exchange and the wallet of the first user a for digital assets among the transaction details provided. And the third trustee server may be configured to update the third trustee's wallet (W1) and the first user's wallet (W1) by transferring legal tender between the third trustee's wallet (W41) stored in the third trustee server and the first user's wallet (W1) using the record of the first user's balance, information on the balance of the first user's wallet (W1a), and information on the balance of the third trustee's wallet (W40).

[0060] At this time, if the third trustee server is a server that provides a digital asset trust service, the third trustee server may be configured to create a first user's wallet (W1) for storing the first user's digital assets when receiving a request for entrustment of legal tender and digital assets from the first user's terminal, and if the trustee server receives a request for entrustment of the first user's legal tender from the third trustee server, the trustee server may be configured to create a firsta user wallet (W1a) for storing the first user's legal tender and store the first user's legal tender for which the entrustment request has been received in the firsta user wallet. At this time, the record is about the digital assets of the first user, and when the custodian server provides the balance details of the first user to the first exchange server, the record and the balance details of the first user's wallet may be provided.

[0061] At this time, when updating the balance of the wallet (W40) of the third trustee and the wallet of the first exchange, the trustee server may further update the balance of the wallet of the first user a, and may update the balance of the wallet of the third trustee and the wallet of the first exchange through a transfer between the wallet (W40) of the third trustee and the wallet (W31) of the first exchange for digital assets among the transaction details provided, and may update the balance of the wallet of the first exchange and the wallet of the first user a through a transfer between the wallet of the first exchange and the wallet of the first user a for legal tender among the transaction details provided. And when the trustee server provides the record of the balance of the first user to the third trustee server, it may be configured to further provide information on the balance of the 1a user wallet (W1a) of the first user. And the third trustee server may be configured to update the wallet (W1) of the third trustee and the wallet (W1) of the first user by transferring digital assets between the wallet (W41) of the third trustee stored in the third trustee server and the wallet (W1) of the first user using the record of the balance of the first user, information on the balance of the 1a user wallet (W1a), and information on the balance of the wallet (W40) of the third trustee.

[0062] According to another aspect of the present invention, a first step (S510, S520) in which a first user terminal (20) transmits to a second server (80) a substitute authentication request for authenticating the first user and first authentication terminal information identifying a predetermined first authentication terminal (20`), and transmits to the first server a passport transmission request for providing a predetermined first passport to the second server and the first authentication terminal information; a second step (S532) in which the second server transmits to the first authentication terminal a predetermined terminal authentication request and a verification link linked to the first server; a third step (S533) in which the first authentication terminal transmits the terminal authentication request to the first server when the verification link is selected in the first authentication terminal; a fourth step in which the first server extracts terminal information of the first authentication terminal from the terminal authentication request; A method for processing subscription to a digital asset service may be provided, including: a fifth step in which the first server determines whether the first authentication terminal information received from the first user terminal and the extracted terminal information are identical; a sixth step in which the first server transmits the first passport to the second server if the first authentication terminal information and the extracted terminal information are identical; and a seventh step in which the second server approves the subscription of the first user to a service provided by the second server if the first passport conforms to a predetermined format. In this case, the first server is configured to be unable to access a storage device storing the first user's ID after the first user's subscription to the service provided by the first server is approved.

[0063] At this time, the method for processing subscription to the digital asset service may further include a step of the first server receiving a predetermined first password from the first user terminal before the first server transmits the first passport to the second server. At this time, the sixth step may include a step of generating first alternative authentication information by combining the first passport with the first password, and transmitting the generated alternative authentication information to the second server. In addition, the method for processing subscription to the digital asset service may further include a step of the second server receiving the first password from the first user terminal before the second server approves the subscription of the first user. In addition, the seventh step may include a step of the second server extracting the first password from the first alternative authentication information using the first password.

[0064] At this time, the second step may include a step in which the second server generates a first OTP; and a step in which the second server transmits the first OTP to the first authentication terminal. In addition, the third step may include a step in which the first authentication terminal transmits the first OTP to the first server. In addition, the fifth step may include a step in which the first server determines whether the OTP generated is identical to the first OTP. In addition, in the sixth step, the first passport may be transmitted to the second server only when the OTP generated by the first server is identical to the first OTP.

[0065] At this time, the first step may include a step in which the first user terminal transmits the first personal identification information to the second server. And the sixth step may include a step in which the first server extracts the personal identification information of the first user who has logged into the first server using the first user terminal from a storage accessed by the first server; and a step in which the first server transmits the extracted personal identification information of the first user together with the first passport to the second server. And in the seventh step, the second server may approve the first user's subscription to the service provided only when the personal identification information of the first user obtained from the first server is identical to the first personal identification information obtained from the first user terminal.

[0066] At this time, the personal identification information of the first user may include the first user's resident registration number, name, address, and contact information.

[0067] At this time, the method for processing subscription to the digital asset service may further include a step of the first server receiving connection information necessary for connection to the second server from the first user terminal before the first server transmits the first passport to the second server.

[0068] At this time, the second step may include a step in which the second server transmits connection information necessary for connection to the second server to the first authentication terminal, and the third step may include a step in which the first authentication terminal transmits the connection information to the first server.

[0069] At this time, the method for processing subscription to the digital asset service may further include, prior to the first step, a step in which the first server receives the first user's ID, the first personal identification information which is personal identification information of the first user, and the first authentication terminal information from the first user's terminal; a step in which the first server provides the first user's ID and the first personal identification information to a predetermined proxy authentication server; a step in which the first server receives an authentication completion message for the first user from the proxy authentication server; a step in which the first server generates the first passport for the first user; and a step in which the first server stores the first personal identification information, the first authentication terminal information, and the first passport in a storage that the first server accesses.

[0070] At this time, when the first server receives the authentication completion message from the proxy authentication server, the first server may provide a predetermined service to the first user and delete the first user's identification card from the storage accessed by the first server.

[0071] At this time, the alternative authentication request may be a request for the second server to authenticate the first user's identity without requiring the first user's terminal to provide identification. Furthermore, the first passport may be mapped 1:1 to the first user. Furthermore, the verification link may be selected by the first user on the first authentication terminal.

[0072] According to another aspect of the present invention, a first step in which a first server receives, from a first user terminal, a passport transmission request requesting to provide a first passport to a second server and first authentication terminal information identifying a first authentication terminal (20`), wherein the first user terminal is configured to transmit, to a second server (80), an alternative authentication request requesting user authentication of the first user and the first authentication terminal information, and the second server is configured to transmit, to the first authentication terminal, a terminal authentication request and a verification link linked to the first server; a step in which the first server receives the terminal authentication request from the first authentication terminal; a step in which the first server extracts terminal information of the first authentication terminal from the terminal authentication request; A method for processing subscription to a digital asset service may be provided, including: a step of determining, by the first server, whether the first authentication terminal information received from the first user terminal and the extracted terminal information are identical; and a step of transmitting, by the first server, the first passport to the second server if the first authentication terminal information and the extracted terminal information are identical. In this case, the second server is configured to approve the first user's subscription to a service provided by the second server if the first passport conforms to a predetermined format.

[0073] According to the present invention, a technology is provided that allows a user wishing to subscribe to a service related to digital assets to authenticate his or her identity without providing his or her identification card to the service provider.

[0074] According to the present invention, a platform for managing custodial assets in conjunction with multiple asset exchanges and a server and system therefor can be provided.

[0075] According to the present invention, a platform capable of providing reliable and secure services by separating digital asset and payment custody services and payment services can be provided.

[0076] According to the present invention, by setting and providing a limit that can be used by the first user for each exchange server, problems arising from delays in transaction communication can be minimized.

[0077] According to the present invention, a platform for managing custodial assets in conjunction with multiple asset exchanges and third-party custodians, as well as a server and system therefor, can be provided.

[0078] According to the present invention, a method for providing a service platform that supports authentication of transaction qualifications of digital asset transaction users can be provided.

[0079] Figure 1 illustrates the services of a conventional exchange.

[0080] Figure 2 is a drawing for explaining a method of providing trading services in conventional exchanges.

[0081] FIG. 3a and FIG. 3b are flowcharts of a transaction service provision between a trustee server, a user terminal, and an exchange server according to one embodiment of the present invention.

[0082] FIG. 4 is a diagram illustrating a user wallet of a trustee server according to one embodiment of the present invention.

[0083] FIG. 5 is a diagram for explaining a problem that occurs when two employees of a first corporation each request a transaction to different exchange servers using an ID representing the first corporation, according to one embodiment of the present invention.

[0084] Figure 6 is a flow chart of a transaction service provision between a trustee server, a terminal of the first corporation, and an exchange server according to a second embodiment of the present invention.

[0085] Figure 7 is a flow chart of a transaction service provision between a trustee server, a terminal of the first corporation, and an exchange server according to a third embodiment of the present invention.

[0086] Figure 8 illustrates a system of a digital asset custody platform according to one embodiment of the present invention.

[0087] FIG. 9a and FIG. 9b are drawings for explaining a method for providing a custody service and a transaction service using two custody institution servers and an exchange server according to a fourth embodiment of the present invention.

[0088] FIG. 10 is a diagram for explaining the creation results of the third trustee server and the trustee server's wallets according to embodiments of the present invention.

[0089] FIG. 11a and FIG. 11b are drawings for explaining a method for providing a custody service and a transaction service using two custody institution servers and an exchange server according to a fifth embodiment of the present invention.

[0090] FIG. 12a and FIG. 12b are drawings for explaining a method for providing a custody service and a transaction service using two custody institution servers and an exchange server according to the sixth embodiment of the present invention.

[0091] FIG. 13 is a flowchart illustrating a process in which a trustee server authenticates the identity of a first user and generates a first passport, which is authentication information for the first user, based on the authentication result, according to one embodiment of the present invention.

[0092] Figure 14 is a flowchart showing a user authentication method provided according to one embodiment of the present invention.

[0093] Figure 15 is a flowchart showing a user authentication method provided according to one embodiment of the present invention.

[0094] Hereinafter, embodiments of the present invention will be described with reference to the attached drawings. However, the present invention is not limited to the embodiments described herein and may be implemented in various other forms. The terminology used herein is intended to aid understanding of the embodiments and is not intended to limit the scope of the present invention. Furthermore, the singular forms used below also include the plural forms, unless the context clearly indicates otherwise.

[0095] FIG. 3a and FIG. 3b are flowcharts of a transaction service provision between a trustee server, a user terminal, and an exchange server according to one embodiment of the present invention.

[0096] FIG. 4 is a diagram illustrating a user wallet of a trustee server according to one embodiment of the present invention.

[0097] Hereinafter, the description will be made with reference to FIG. 3a, FIG. 3b, and FIG. 4.

[0098] The transaction service provided by the present invention can be provided based on the entrusted assets of the entrusted institution server (10).

[0099] The trust assets of the above trust institution server (10) may refer to assets that the trust institution operating the above trust institution server (10) receives from customers and manages.

[0100] Unlike conventional transaction services and custody services, custody services for legal tender (legal currency) assets (FA) and digital assets (DA) are provided by a custody server (10), while transaction services can be provided by exchange servers (30, 31, 32) as in the past. That is, according to the services provided by the present invention, the custody server (10) may not provide transaction services.

[0101] To this end, in steps (S10) and (S11), the first exchange server (30, 31) and the second exchange server (30, 32) can join the trustee server (10) (i.e., the application or website provided by the trustee server).

[0102] At this time, the above-mentioned subscription may mean, for example, a process in which a first exchange operating a first exchange server (31) and a second exchange operating a second exchange server (32) enter into a mutual contractual relationship with a trustee operating a trustee server (10) in order to use the service provided by the trustee server (10), and may mean a process in which user information is registered in the trustee server, such as creating an ID and password.

[0103] And in step (S12), the first user (individual or corporation) can join the trustee server (10) to entrust assets using the first user's terminal (20). At this time, as shown in FIG. 4, the trustee server (10) can create a first user wallet (W1) for storing legal tender (FA) and digital assets (DA) owned by the first user for the first user (e.g., time t=t1). At this time, when the first user joins the trustee server (10), a unique number (e.g., resident registration number, business registration number, or corporate registration number) that can identify the first user can be provided to the trustee server (10).

[0104] Hereinafter, in this specification, the unique number of the first user may also be referred to as unique information of the first user.

[0105] In steps (S13) and (S14), in order for the first user to execute an asset transaction using the terminal (20) of the first user, the first user may register with the first exchange server (31) (i.e., an application or website provided by the first exchange server) and / or the second exchange server (32) (i.e., an application or website provided by the second exchange server). At this time, when registering with the exchange server, the first user may provide his / her unique number (e.g., resident registration number, business registration number, or corporate registration number) to the first exchange server (31) and / or the second exchange server (32).

[0106] In this way, when the first user registers with the trustee server (10), the first exchange server (30), and the second exchange server (40), in step (S20), the trustee server (10) can synchronize the first user's information with the first exchange server (31). Similarly, in step (S21), the trustee server (10) can synchronize the first user's information with the second exchange server (32). At this time, the synchronization can be performed using a unique number provided by the first user. At this time, in order to synchronize the first user's information with the first exchange server (31) and / or the second exchange server (32), the trustee server (10) can also obtain information from the first user about which exchange server the first user is using or plans to use through the first user terminal (20). When the trustee server (10) receives information from the first user terminal (20) about which exchange server is being used, it may perform synchronization immediately as in steps (S20) and (S21), or, if there is an exchange server to be used, the trustee server (10) may provide a link to the application or website of the exchange server to be used (to be used).

[0107] Steps (S20) and (S21) are initial synchronization steps, and additional synchronization steps may be performed whenever the information of the first user changes.

[0108] At step (S30), the trustee server (10) may receive a deposit request from the first exchange server (31) along with fiat currency (FA) in the amount of FM1 (e.g., KRW 2 billion) and digital assets (DA) in the amount of DM1 (e.g., 500 coins). The ownership of the fiat currency (FA=FM1) and digital assets (DA=DM1) may be held by the first exchange that operates the first exchange server (31).

[0109] In step (S31), the custodian server (10) can record (store) and store the legal tender (FA) FM1 and digital asset (DA) DM1 in the wallet (W31) of the first exchange server (31). In this case, recording and storing may mean that the custodian server (10) receives and stores the legal tender (FA) FM1 and digital asset (DA) DM1 from the first exchange server (31).

[0110] At step (S32), the trustee server (10) may receive a deposit request from the second exchange server (32) along with fiat currency (FA) in the amount of FM2 (e.g., KRW 3 billion) and digital assets (DA) in the amount of DM2 (e.g., 300 coins). The ownership of the fiat currency (FA=FM2) and digital assets (DA=DM2) may be held by the second exchange operating the second exchange server (32).

[0111] In step (S33), the trustee server (10) can record (store) and store legal tender (FA) FM2 and digital asset (DA) DM2 in the wallet (W32) of the second exchange server (32).

[0112] For example, a first user using a first user terminal (20) may request to entrust legal tender (FA) in the amount of FC (e.g., KRW 100 million) and digital assets (DA) in the amount of DC (e.g., 10 coins) to the trustee server (10).

[0113] In step (S34), the trustee server (10) can receive fiat currency (FA) FC (100 million) and digital asset (DA) DC (10 coins) from the first user terminal (20). Ownership of the fiat currency (FA=FC) and digital asset (DA=DC) may be held by the first user using the first user terminal (20).

[0114] In step (S35), the trustee server (10) can record (store) and store legal tender (FA) FC (100 million) and digital asset (DA) DC (10 coins) in the first user's wallet (W1) (e.g., time point t=t2).

[0115] In steps (S36) and (S37), the trustee server (10) can synchronize the first user's information with the first exchange server (31) and / or the second exchange server (32), respectively. At this time, the process of synchronizing the first user's information may optionally include a process of providing information on the fiat currency and digital assets of the first user's wallet (W1).

[0116] Now, at step (S40), the first user may request a transaction from the first exchange server (31) using the first user terminal (20). The transaction request may, for example, be for the purchase of 10 coins (△D1), a digital asset. Information regarding the Korean Won (△F1) that the first user must pay to purchase the 10 coins may be displayed on the screen of the first user terminal (20) via the first exchange server (31).

[0117] In step (S41), the trustee server (10) may receive a request for proof of the balance of the first user from the first exchange server (31). At this time, the proof of the balance of the first user may refer to the balance details of the first user's wallet (W1) at the current point in time.

[0118] Here, the balance details of the first user wallet (W1) may be the balance details of legal tender (FA) that can be exchanged for the requested digital asset, 10 coins (△D1), or the balance details of another type of digital asset that can be exchanged for the requested digital asset, 10 coins (△D1). For convenience of explanation, the following description will be based on an example in which the requested digital asset, 10 coins (△D1), is exchanged for legal tender (FA).

[0119] In step (S42), the trustee server (10) may provide the first exchange server (31) with proof information (=balance details) regarding whether the balance of the first user's first user wallet (W1) is sufficient to purchase 10 coins (△D1). For example, the balance details may be information indicating that there is FC of legal tender (FA) remaining in the first user wallet (W1).

[0120] In step (S43), if the first exchange server (31) satisfies the condition that the purchase price for 10 coins, KRW △F1, is equal to or less than KRW FC based on the information provided above, the transaction can be concluded according to the transaction request of the first user.

[0121] If the legal tender (FA) FC remaining in the first user's wallet (W1) is less than the purchase price of 10 coins, KRW △F1, the transaction requested by the first user may be rejected.

[0122] In step (S44), if the above transaction is concluded, the trustee server (10) may receive the transaction details of the first user from the first exchange server (31). The transaction details may indicate that 10 coins, which are digital assets of the first exchange server (31), were exchanged for the first user's legal tender, Korean Won △F1.

[0123] In step (S45), the trustee server (10) can update the information on the legal tender (FA) and digital assets (DA) of the first user's wallet (W1) and the information on the legal tender (FA) and digital assets (DA) of the first exchange wallet (W31). That is, the trustee server (10) can confirm the change in the Korean Won and coins by withdrawing the Korean Won △F1 from the first user's wallet (W1) and depositing it into the wallet (W31) of the first exchange server (31), and withdrawing 10 coins (△D1) from the wallet (W31) of the first exchange server (31) and depositing it into the first user's wallet (W1). For example, at the time point after purchase (t=t3), the legal tender (FA) of the first user's wallet (W1) may be FC-△F1 (KRW 100 million - KRW 10 million = KRW 90 million), and the digital asset (DA) may be DC+△D1 (10 units + 10 units = 20 units). Furthermore, at the time point after purchase (t=t3), the legal tender (FA) of the first exchange wallet (W31) may be FM1+△F1 (KRW 2 billion + KRW 10 million = KRW 2.01 billion), and the digital asset (DA) may be DM1-△D1 (500 units - 10 units = 490 units).

[0124] In step (S46), the trustee server (10) can report (provide) the balance details of the first user and the first exchange (=information on updated legal tender and digital assets) to the first exchange server (31).

[0125] At this time, as in steps (S36) and (S37), the trustee server (10) can synchronize the first user's information with the first exchange server (31) and / or the second exchange server (32). The synchronization can be performed at the time when the first user's information changes and at predetermined time intervals.

[0126] In step (S47), the trustee server (10) can report (provide) the balance details of the first user (=information on updated legal tender and digital assets) to the first user terminal (20).

[0127] Likewise, at step (S50), the first user may request a transaction from the second exchange server (32) using the first user terminal (20). The transaction request may, for example, be for the purchase of five coins (△D2). Information regarding the Korean Won △F2 required to purchase five coins may be presented on the screen of the first user terminal (20) via the second exchange server (32).

[0128] In step (S51), the trustee server (10) may request proof of the balance of the first user from the second exchange server (32).

[0129] In step (S52), the trustee server (10) can provide the second exchange server (32) with information (=balance details) proving that the balance of the first user's wallet (W1) of the first user is FC-△F1 (e.g., 90 million won).

[0130] At step (S53), the second exchange server (32) can conclude a transaction if the purchase price for 5 coins, KRW △F2, is equal to or less than FC-△F1 based on the information provided above.

[0131] In step (S54), the trustee server (10) may receive the transaction details of the first user from the second exchange server (32). The transaction details may indicate that 5 coins of the second exchange server (32) were exchanged with the first user's Korean Won △F2.

[0132] In step (S55), the trustee server (10) can update the information on the legal tender (FA) and digital assets (DA) of the first user's wallet (W1) and the information on the legal tender (FA) and digital assets (DA) of the second exchange wallet (W32). That is, the trustee server (10) can confirm the change in the Korean Won and coins by withdrawing the Korean Won △F2 from the first user's wallet (W1) and depositing it into the wallet (W32) of the second exchange server (32), and withdrawing 5 coins (△D2) from the wallet (W32) of the second exchange server (32) and depositing it into the first user's wallet (W1). For example, at the time of purchase (t=t4), the legal tender (FA) of the first user's wallet (W1) may be F-△F1-△F2 (KRW 100 million - KRW 10 million - KRW 6 million = KRW 84 million), and the digital asset (DA) may be D+△D1+△D2 (10 + 10 + 5 = 25). Furthermore, at the time of purchase (t=t4), the legal tender (FA) of the second exchange wallet (W32) may be FM2+△F2 (KRW 3 billion + KRW 6 million = KRW 3.06 billion), and the digital asset (DA) may be DM2-△D2 (300 - 5 = 295).

[0133] In step (S56), the trustee server (10) can report (provide) the balance details of the first user and the second exchange (=information on updated legal tender and digital assets) to the second exchange server (32).

[0134] At this time, as in steps (S36) and (S37), the trustee server (10) can synchronize the first user's information with the first exchange server (31) and the second exchange server (32), respectively. The synchronization can be performed at the time when the first user's information changes and at predetermined time intervals.

[0135] In step (S57), the trustee server (10) can report (provide) the balance details of the first user (=information on updated legal tender and digital assets) to the first user terminal (20).

[0136] In step (S60), when the trustee server (10) receives a request for withdrawal of the first user's assets from the first user terminal (20), in step (S61), the trustee server (10) may pay the requested assets to the first user terminal (20) (e.g., withdrawal of legal tender assets). For example, the withdrawal of the legal tender assets may be a withdrawal to a bank account used by the first user.

[0137] FIG. 5 is a diagram for explaining a problem that occurs when two employees of a first corporation each request a transaction to different exchange servers using an ID representing the first corporation, according to one embodiment of the present invention.

[0138] For example, the trust service provided by the trustee server (10) and the transaction service provided by the exchange server can basically follow the process described above in FIGS. 3a and 3b.

[0139] In this example, the user may be assumed to be Corporation 1. Corporation 1 may register as a member on the trustee server (10) at time t0 to use the trustee service. At this time, a user wallet (W11) for Corporation 1 may be created on the trustee server (10). For example, 50 million won in legal tender owned by Corporation 1 and 100 coins owned by Corporation 1 may be entrusted to the user wallet (W11).

[0140] Here, we can assume that Corporation 1 employs Employees 1 and 2, who are responsible for asset trading services using the exchange server. Now, we can understand the potential problems that may arise through the following scenario. Specifically, Corporation 1 instructs Employee 1 to purchase digital assets through the first exchange server (31), and Corporation 1 instructs Employee 2 to purchase digital assets through the second exchange server (32). The first and second employees, who received the instructions, each execute the transactions as described below.

[0141] At time t2, the first employee can request the first transaction to purchase 200 coins (equivalent to 40 million won) from the first exchange server (31) through the first employee terminal (21) that he or she uses. At time t3, the first exchange server (31) can check the balance of the first corporation entrusted to the trustee server (10) through communication between the trustee servers (10). If the first exchange server (31) confirms that the balance of the first corporation is 40 million won (=transaction amount equivalent to 200 coins) or more, the first transaction can be completed. At this time, it may take some time for the first exchange server (31) to provide the transaction details of the first transaction to the trustee server (10). In other words, the transaction details of the first transaction may not be reflected in real time on the trustee server (10). For example, the transaction details of the first transaction may not be reflected in the trustee server (10) until the time point t5 described below.

[0142] At time t4, the second employee can request a second transaction to purchase 300 coins (equivalent to 50 million won) from the second exchange server (32) through the second employee terminal (22) that he / she uses.

[0143] At time t5, the second exchange server (32) can confirm the balance of the first corporation entrusted to the trustee server (10) through communication between the trustee server (10). However, at time t5, the trustee server (10) may not have yet received the transaction details of the first transaction from the first exchange server (31). Therefore, at time t5, the value of 50 million won and 100 coins in the user wallet (W11) of the first corporation remains unchanged. Therefore, the second exchange server (32), which confirms that the balance of the first corporation is 50 million won (=transaction amount equivalent to 300 coins) or more, can complete the second transaction.

[0144] At time t6, the trustee server (10) can receive transaction details from the first exchange server (31). As a result, due to the first transaction performed by the first employee and the second transaction performed by the second employee, the balance of the user wallet (W1) of the first corporation at time t7 may be -KRW 40 million (KRW 50 million (at time t2) - KRW 40 million (at time t6) - KRW 50 million (at time t7)) in legal tender FA and 600 digital assets DA (KRW 100 (at time t2) + 200 (at time t6) + 300 (at time t7)). In other words, a problem may arise in which transactions exceeding the legal tender limit entrusted by the first corporation to the trustee server (10) are concluded. In order for a transaction exceeding the limit of legal tender entrusted by the first corporation to the trustee server (10) to be valid, a contract to lend legal tender to the first corporation must be concluded between the first corporation and the trustee server (10), or between the first corporation and exchanges. However, according to the scenario described above, regardless of the existence of such a contract, a problem arises in which a transaction exceeding the scope of legal tender held by the first corporation is concluded.

[0145] This problem may occur because the exchange server (31, 32) does not provide transaction details to the custodian server (10) in real time.

[0146] Figure 6 is a flow chart of a transaction service provision between a trustee server, a terminal of the first corporation, and an exchange server according to a second embodiment of the present invention.

[0147] In the second embodiment, the trustee server (10) sets a limit on the number of exchanges available to the first corporation. It can be assumed that the first corporation's legal tender (FA) entrusted to the trustee server (10) according to the above-described steps (S34) and (S35) amounts to Fc (e.g., 50 million won) and digital assets (DA) amount to Dc (100 coins).

[0148] In step (S100), the trustee server (10) can set the first exchange limit (FMAX, DMAX) (= first limit) and the second exchange limit (FMAX, DMAX) (= second limit) among the entrusted legal tender (Fc) and / or digital assets (Dc). For example, the limit of legal tender that the first exchange can use or confirm in the first corporation's wallet (W1) may be set to FMAX1 (e.g., 20 million won), and the limit of digital assets may be set to DMAX1 (e.g., 50 coins). In addition, the limit of legal tender that the second exchange can use or confirm in the first corporation's wallet (W1) may be set to FMAX2 (e.g., 25 million won), and the limit of digital assets may be set to DMAX2 (e.g., 40 coins). At this time, the sum of FMAX1 and FMAX2 may be less than or equal to the legal tender balance (Fc) of the first corporation's wallet (W1). Furthermore, the sum of DMAX1 and DMAX2 may be less than or equal to the digital asset balance (Dc) of the first corporation's wallet (W1).

[0149] The above step (S100) can be executed between the above step (S35) and the above step (S36).

[0150] In step (S110), the trustee server (10) can provide information on the first limit of the first corporation (the legal tender limit (FMAX=FMAX1) and the digital asset limit (DMAX=DMAX1)) to the first exchange server (31).

[0151] In step (S111), the trustee server (10) can provide information on the second limit (legal currency limit (FMAX=FMAX2) and digital asset limit (DMAX=DMAX2)) of the first corporation to the second exchange server (32).

[0152] At this time, the step (S110) may be included in the step (S36) or may be executed immediately before or immediately after the step (S36). In addition, the step (S111) may be included in the step (S37) or may be executed immediately before or immediately after the step (S37).

[0153] In step (S121), the first exchange server (31) can display on the screen of the terminal (21, 22) of the first corporation the assets that can be traded when the first corporation accesses the first exchange server with the ID of the first corporation through the terminal (21, 22) of the first corporation limited to the first limit (the legal tender limit (FMAX=FMAX1) and the digital asset limit (DMAX=DMAX1)) provided.

[0154] In step (S122), the second exchange server (32) can limit the tradable assets to the second limit (legal currency limit (FMAX=FMAX2) and digital asset limit (DMAX=DMAX2)) provided when the first corporation accesses the second exchange server with the ID of the first corporation through the terminal (21, 22) of the first corporation and display the limited assets on the screen of the terminal (21, 22) of the first corporation.

[0155] In step (S131), the first exchange server (31) may receive a first transaction request from the terminal (21, 22) of the first corporation. For example, the transaction content of the first transaction request may be assumed to be the purchase of 100 coins worth 20 million won.

[0156] At step (S132), the second exchange server (32) may receive a second transaction request from the terminal (21, 22) of the first corporation. For example, the transaction content of the second transaction request may be assumed to be the purchase of 150 coins worth 30 million won.

[0157] In step (S141), the first exchange server (31) can complete the transaction because the transaction request from the first employee terminal (21) meets the legal tender limit (FMAX1 = 20 million won) of the first corporation.

[0158] In step (S142), the second exchange server (32) may not complete the transaction because the transaction request from the second employee terminal (22) does not meet the legal tender limit of the first corporation (FMAX2 = 25 million won < 30 million won).

[0159] In the second embodiment described above, the custodian server (10) sets limits for each exchange according to predetermined rules. These predetermined rules may be rules established in advance by contract between the custodian operating the custodian server (10) and the first corporation.

[0160] However, in the third embodiment described below, there is a difference in that the first corporation sets a limit for each exchange and provides the setting contents to the trustee server (10) in real time, and the trustee server (10) sets the limit for each exchange according to the setting contents provided above.

[0161] Figure 7 is a flow chart of a transaction service provision between a trustee server, a terminal of the first corporation, and an exchange server according to a third embodiment of the present invention.

[0162] Unlike the second embodiment, in the third embodiment, the terminals (21, 22) of the first corporation request the trustee server (10) to set limits for each exchange. It can be assumed that the first corporation's legal tender (FA) entrusted to the trustee server (10) according to the above-described steps (S34) and (S35) amounts to Fc (e.g., 50 million won), and the digital assets (DA) amount to Dc (100 coins).

[0163] In step (S200), the employee terminal (21 or 22) can set the first exchange limit (FMAX=FMAX1, DMAX=DMAX1) (=first limit) and the second exchange limit (FMAX=FMAX2,, DMAX=DMAX2) (=second limit).

[0164] For example, the limit of legal tender that the first exchange can use from the first corporation's wallet (W1) may be set to FMAX1 (e.g., 20 million won), and the limit of digital assets may be set to DMAX1 (e.g., 50 coins). Furthermore, the limit of legal tender that the second exchange can use from the first corporation's wallet (W1) may be set to FMAX2 (e.g., 25 million won), and the limit of digital assets may be set to DMAX2 (e.g., 40 coins). In this case, the sum of FMAX1 and FMAX2 may be less than or equal to the legal tender balance (Fc) of the first corporation's wallet (W1). Furthermore, the sum of DMAX1 and DMAX2 may be less than or equal to the digital asset balance (Dc) of the first corporation's wallet (W1).

[0165] In step (S201), the employee terminal (21, 22) may request the trustee server (10) to set transaction limits for applying the first exchange limit (FMAX1, DMAX1) (=first limit) and the second exchange limit (FMAX2, DMAX2) (=second limit). At this time, the employee terminal (21, 22) may transmit information on the first exchange limit and the second exchange limit set together to the trustee server (10).

[0166] In step (S202), the trustee server (10) can use the information on the limit for the first corporation to set the transaction limit for legal currency and / or digital assets of the first exchange server (and / or the second exchange server).

[0167] The above steps (S200) to (S202) can be executed between the above steps (S35) and (S36).

[0168] Hereinafter, steps (S210) to (S242) may correspond to steps (S110) to (S142) described above, respectively.

[0169] At this time, the step (S210) may be included in the step (S36) or may be executed immediately before or immediately after the step (S36). In addition, the step (S211) may be included in the step (S37) or may be executed immediately before or immediately after the step (S37).

[0170] Figure 8 illustrates a system of a digital asset custody platform according to one embodiment of the present invention.

[0171] The above-mentioned trust platform may be a service platform provided by a trust institution operating a trust institution server (10) using the trust institution server (10).

[0172] As members (customers) of the custodian server (10), general investors (20, 21), institutional investors (23), digital asset exchanges (30) (of the aforementioned exchange server), third-party custodians (40), and the Korea Deposit Insurance Corporation (50) may be included.

[0173] General investors (20, 21) may refer to the individual investors and corporate investors described above.

[0174] Institutional investors (23) may include overseas digital asset exchanges, Web 3.0 service providers, securities firms, and financial institutions.

[0175] General investors (20, 21) and institutional investors (23) can deposit various types of funds (meaning Korean Won, US Dollar, Euro, etc. as legal tender) and various types of digital assets (bitcoins, NFT, etc.) into or withdraw them from the custodian server (10).

[0176] In one embodiment, the digital asset exchange (30) may be an exchange that operates the exchange server described above in the present invention and is responsible only for transaction services (transaction matching).

[0177] Alternatively, in another embodiment, the digital asset exchange (30) may be an exchange that provides both trading services and custody services. In this case, however, the digital asset exchange (30) may provide both trading services and custody services only to some of its customers, and only trading services to other customers. If the digital asset exchange (30) only provides trading services, the digital asset exchange (30) may utilize the services provided by the custody server (10) provided according to one embodiment of the present invention. The digital asset exchange (30) may deposit and withdraw assets from the custody server (10) to conduct transactions in response to orders (transaction requests) requested by general investors (20, 21) or institutional investors (23), and may provide payment details and deposit / withdrawal details to the custody server (10).

[0178] Third-party trust companies (40) may provide only fiat currency trust services or only digital asset trust services. For example, a trust company (41) that only provides fiat currency trust services may register as a member of the trust server (10) to provide services in conjunction with the trust server (10) upon receiving a request for digital asset trust services from a customer. A trust company (42) that only provides digital asset trust services may also register as a member of the trust server (10) upon receiving a request for fiat currency trust services from a customer. For example, if a customer of a third-party trust company (41) purchases digital assets using fiat currency, transaction and payment details, as well as asset deposit and withdrawal details, may be shared with the trust server (10).

[0179] The Korea Deposit Insurance Corporation (50) can be linked to the transaction and payment information of the depository institution server (10). Furthermore, the transaction and payment information can also be linked to the Korea Exchange (60) through the Korea Deposit Insurance Corporation (50).

[0180] FIG. 9a and FIG. 9b are drawings for explaining a method for providing a custody service and a transaction service using two custody institution servers and an exchange server according to a fourth embodiment of the present invention.

[0181] In the fourth embodiment, a method for providing trust services and transaction services is described in a case where a first user does not use a trust institution server (10) but uses a third trust institution server (40) and where a first exchange server (30) has a contract only with a trust institution server (10).

[0182] In step (S301), the first user can register with the third-party trustee server (40) using the first user terminal (20) used by the first user. At this time, the third-party trustee server (40) can obtain the first user's consent to provide the first user's information to a third-party institution (e.g., the trustee server (10) and / or the first exchange server (30, 31)). At this time, the third-party trustee server (40) can create a wallet (W1) for the first user.

[0183] In step (S302), the first exchange server (31) can join the trustee server (10). At this time, the trustee server (10) can create a wallet (W30) of the first exchange server (31).

[0184] In step (S303), a third trustee server (40) can join the trustee server (10). At this time, the trustee server (10) can create a wallet (W40) of the third trustee server (40). At this time, the third trustee server (40) can provide information on users to be entrusted to the trustee server (10). For example, the third trustee server (40) can provide the trustee server (10) with the unique number of the first user and information on the entrusted wallet (i.e., the legal tender (FA) and digital asset (DA) details of the first user's wallet).

[0185] In step (S304), the first user can join the first exchange server (30, 31) using the first user terminal (20) used by the first user.

[0186] The order of the above-described steps (S301) to (S304) is arbitrarily specified, and the order of each step may vary depending on the embodiment.

[0187] In step (S310), the trustee server (10) can synchronize information by providing information about the first user (the first user's unique number, and legal tender and / or digital asset details) to the third trustee server (40) and the first exchange server (31).

[0188] In step (S320), the trustee server (10) can receive a trust request from the third trustee server (40) along with legal tender (FA) in the amount of FX3 (e.g., 5 billion) and digital assets (DA) in the amount of DX3 (e.g., 1,000 coins).

[0189] In step (S321), the trustee server (10) can record (store) and store legal tender (FA) FX3 (e.g., 5 billion) and digital asset (DA) DX3 (e.g., 1,000 coins) in the third trustee's wallet (W40).

[0190] At step (S330), the third trustee server (40) can receive a deposit from the first user terminal (20) along with a trust request, in the amount of legal tender (FA) FC (e.g., 100 million) and digital asset (DA) DC (10 coins).

[0191] In step (S331), the third trustee server (40) can record (store) and store legal tender (FA) FC (100 million) and digital asset (DA) DC (10 coins) in the first user's wallet (W1).

[0192] At step (S340), the trustee server (10) can receive a trust request from the first exchange server (31) along with a deposit of legal tender (FA) in the amount of FM1 (e.g., KRW 2 billion) and a digital asset (DA) in the amount of DM1 (e.g., 500 coins).

[0193] In step (S341), the trustee server (10) can record (store) and store legal tender (FA) FM1 and digital asset (DA) DM1 in the wallet (W31) of the first exchange server (31).

[0194] The order of steps (S321), (S331), and (S341) may be changed depending on the embodiment.

[0195] In step (S350), the trustee server (10) can receive information (the unique number of the first user, the details of the trustee's wallet's trustee (FA) and digital asset (DA)) from the third trustee server (40) about the fact that the first user has entrusted the fiat currency (FA) FC (100 million) and the digital asset (DA) DC (10 coins) to the third trustee server (40).

[0196] In step (S351), the trustee server (10) can record (store) information about the fact of the entrustment to the first user as a record. The record is a different concept from the wallet, in that the wallet stores actual assets, whereas the record exists only as a record and not as storage. For example, the trustee server (10) can record in its storage unit that the first user has entrusted legal tender (FA) FC (100 million) and digital asset (DA) DC (10 coins) to the third trustee server.

[0197] At step (S360), the first exchange server (31) may receive a transaction request from the first user terminal (20). The transaction request may, for example, be for the purchase of 10 coins (△D1). Information regarding the Korean Won △F1 required to purchase 10 coins may be provided through the first exchange server (31).

[0198] In step (S361), the trustee server (10) may be requested by the first exchange server (31) to verify the balance of the first user. That is, the first exchange server (31) may need to confirm whether the first user has funds in his balance to purchase 10 coins. Accordingly, the first exchange server (31) may request the trustee server (10) to verify whether it has information on the balance of the first user. Although the first user has not directly registered with the trustee server (10), the trustee server (10) knows the balance of the first user since it has received information on the first user from the third trustee server (40).

[0199] In step (S362), the trustee server (10) can provide the first exchange server (31) with the balance details of the first user as information proving that the first user has a balance of FC.

[0200] At step (S363), the first exchange server (31) may conclude a transaction based on the balance details provided above, if the purchase price for 10 coins, △F1 in Korean Won, is equal to or less than FC. At this time, the first exchange server (31) may generate transaction details as a result of the transaction conclusion. The transaction details may include information such as {First User, △F1 used, △D1 purchased}.

[0201] In step (S364), the trustee server (10) can receive transaction details with the first user from the first exchange server (31).

[0202] In step (S370), the trustee server (10) can use the transaction details provided above to transfer assets between the third trustee's wallet (W40) and the first exchange's wallet (W31) on behalf of the first user, thereby updating the balance of the third trustee's wallet (W40) (information on legal tender (FA) and digital assets (DA)) and the balance of the first exchange's wallet (W31) (information on legal tender (FA) and digital assets (DA)).

[0203] That is, the custodian server (10) first withdraws KRW △F1 from the wallet (W40) of the third custodian and deposits it into the wallet (W31) of the first exchange server (31), and then withdraws 10 coins (△D1) from the wallet (W31) of the first exchange server (31) and deposits them into the wallet (W40) of the third custodian, thereby confirming the fluctuations between the KRW and the coin. As a result, the balance of the wallet (W40) of the third custodian may be KRW FX3-△F1, coin DX3+△D1, and the balance of the wallet (W31) of the first exchange server (31) may be KRW FM1+△F1, coin DM1-△D1.

[0204] In step (S371), the consignment server (10) can update the record of the consignment information of the first user. For example, the consignment information of the first user can be updated to FA (FC-△F1) and DA (DC+△D1).

[0205] In step (S372), the trustee server (10) can provide the third trustee server (40) with a record of the first user's balance (FA / DA) and information on the third trustee's balance (FA / DA).

[0206] In step (S373), the trustee server (10) can provide information on the first user balance (FA / DA) and the first exchange balance (FA / DA) to the first exchange server (31).

[0207] In step (S380), the third trustee server (40) can transfer (update) the legal tender and / or digital asset information of the third trustee's wallet (W41) and the first user's wallet (W1) stored in the third trustee server (40) using the record of the first user's balance (FA / DA) and the information on the third trustee's balance (FA / DA). In other words, step (S380) is a step for executing a settlement between the third trustee and the first user.

[0208] For example, it can be assumed that the third-party trustee's wallet (W41) created on the third-party trustee server (40) stores fiat currency (FA) of FX1 and digital assets (DA) of DX1. The first user's wallet (W1) can be updated as follows: fiat currency (FA) is FC-△F1, and digital assets (DA) are DC+△D1. In addition, the third-party trustee's wallet (W41) can be updated as fiat currency (FA) is FX1+△F1, and digital assets (DA) are DX1-△D1.

[0209] In step (S381), the third trustee server (40) can report (provide) the balance of the first user to the first user terminal (20).

[0210] In step (S390), when the third trustee server (40) receives a request for withdrawal of the first user's assets from the first user terminal (20), in step (S392), the third trustee server (40) can pay the requested assets to the first user terminal (20) (e.g., withdrawal of legal tender assets).

[0211] In step (S391), when the trustee server (10) receives an asset withdrawal request from the third trustee server (40), in step (S393), the trustee server (10) can pay the requested asset to the third trustee server (40).

[0212] FIG. 10 is a diagram for explaining the creation results of the third trustee server and the trustee server's wallets according to embodiments of the present invention.

[0213] Figure 10 (a) may be the same as the wallet creation result of the fourth embodiment of Figures 9a and 9b.

[0214] That is, the third-party trustee server (40) can provide a service that entrusts both legal tender and digital assets of multiple users. Accordingly, the third-party trustee server (40) can create and manage a wallet (W41) for the third-party trustee's own legal tender and digital assets, as well as a wallet (W1) for the legal tender and digital assets of, for example, a first user among the multiple users.

[0215] The custodian server (10) can provide a service that entrusts both fiat currency and digital assets to third-party custodians, exchanges, and multiple general users. Accordingly, the custodian server (10) can create and manage, for example, a wallet (W40) for the third-party custodian, a wallet (W31) for the primary exchange, and a wallet (W2) for secondary users.

[0216] Figure 10 (b) may be a result of wallet creation according to the fifth embodiment.

[0217] The third-party trustee server (40) can provide a service that only accepts legal tender from multiple users. Accordingly, the third-party trustee server (40) can create and manage a wallet (W41) for the third-party trustee's own legal tender and a wallet (W1) for the legal tender of, for example, the first user among the multiple users.

[0218] The trust server (10) can provide a service that entrusts both legal tender and digital assets to third-party trust institutions, exchanges, and multiple general users. Accordingly, the trust server (10) can create and manage, for example, a wallet (W40) for the third-party trust institution, a wallet (W31) for the first exchange, and a wallet (W2) for the second user. Furthermore, the trust server (10) can receive a request from the third-party trust institution to entrust the digital assets of the first user, who is a member of the third-party trust institution. The trust server (10) can create and manage a wallet (W1a) for storing the digital assets of the first user.

[0219] Figure 10 (c) may be a result of wallet creation according to the sixth embodiment.

[0220] The third-party trustee server (40) can provide a service that only accepts digital assets from multiple users. Accordingly, the third-party trustee server (40) can create and manage a wallet (W41) for the third-party trustee's own digital assets and a wallet (W1) for the digital assets of, for example, the first user among the multiple users.

[0221] The trust server (10) can provide a service that entrusts both fiat currency and digital assets to third-party trust institutions, exchanges, and multiple general users. Accordingly, the trust server (10) can create and manage, for example, a wallet (W40) for the third-party trust institution, a wallet (W31) for the first exchange, and a wallet (W2) for the second user. Furthermore, the trust server (10) can receive a request from the third-party trust institution to entrust the fiat currency of the first user, who is a member of the third-party trust institution. The trust server (10) can create and manage a wallet (W1a) for storing the fiat currency of the first user.

[0222] FIG. 11a and FIG. 11b are drawings for explaining a method for providing a custody service and a transaction service using two custody institution servers and an exchange server according to a fifth embodiment of the present invention.

[0223] The fifth embodiment may be similar to the fourth embodiment in that the first user does not use the trust server (10) but instead uses a third-party trust server (40), and the first exchange server (30) has a contract only with the trust server (10). However, the third-party trust server (40) may only provide trust services for fiat currency and not for digital assets. In this case, the third-party trust server (40) may request the trust server (10) to trust digital assets for the first user.

[0224] Steps (S401) to (S404) may be identical to steps (S301) to (S304) described above.

[0225] However, in step (S403), the third trustee server (40) may provide information on users to be entrusted to the trustee server (10). That is, the third trustee server (40) may provide subscription information including, for example, the first user's unique number and entrusted wallet information (legal currency) to the trustee server (10).

[0226] In step (S405), the third trustee server (40) can request the trustee server (10) to entrust the digital assets of the first user.

[0227] In step (S406), the trustee server (10) can create a first user wallet (Wla) for storing the first user's digital assets.

[0228] In step (S410), the trustee server (10) can synchronize information by providing information about the first user (the first user's unique number and details of the wallet (W1a) for the first user's digital assets) to the third trustee server (40) and the first exchange server (31).

[0229] At step (S420), the trustee server (10) can receive a trust request from the third trustee server (40) along with legal tender (FA) in the amount of FX3 (e.g., 5 billion) and digital assets (DA) in the amount of DX3 (e.g., 1,000 coins).

[0230] In step (S421), the trustee server (10) can record (store) and store legal tender (FA) FX3 (e.g., 5 billion) and digital asset (DA) DX3 (e.g., 1,000 coins) in the third trustee's wallet (W40).

[0231] In step (S430), the third trustee server (40) can receive a deposit of legal tender (FA) FC (e.g., 100 million) along with a trust request from the first user terminal (20).

[0232] In step (S431), the third trustee server (40) can record (store) and store legal tender (FA) FC (100 million) in the first user's wallet (W1).

[0233] At step (S440), the trustee server (10) can receive a trust request from the first exchange server (31) along with a deposit of legal tender (FA) in the amount of FM1 (e.g., KRW 2 billion) and a digital asset (DA) in the amount of DM1 (e.g., 500 coins).

[0234] In step (S441), the trustee server (10) can record (store) and store legal tender (FA) FM1 and digital asset (DA) DM1 in the wallet (W31) of the first exchange server (31).

[0235] The order of steps (S421), (S431), and (S441) may be changed depending on the embodiment.

[0236] In step (S450), the trustee server (10) can receive information (the unique number of the first user, the details of the trustee's wallet) from the third trustee server (40) about the fact that the first user entrusted the legal tender (FA) FC (100 million) to the third trustee server (40).

[0237] In step (S451), the trustee server (10) can record (store) information about the fact of the trust to the first user as a record.

[0238] At step (S460), the first exchange server (31) may receive a transaction request from the first user terminal (20). The transaction request may, for example, be for the purchase of 10 coins (△D1). Information regarding the Korean Won △F1 required to purchase 10 coins may be provided through the first exchange server (31).

[0239] In step (S461), the trustee server (10) may be requested by the first exchange server (31) to verify the balance of the first user. That is, the first exchange server (31) may need to confirm whether the first user has funds in his balance to purchase 10 coins. Accordingly, the first exchange server (31) may request the trustee server (10) to verify whether it has information on the balance of the first user. Although the first user has not directly registered with the trustee server (10), the trustee server (10) knows the balance of the first user since it has received information on the first user from the third trustee server (40).

[0240] In step (S462), the trustee server (10) can provide the first exchange server (31) with the balance details of the first user as information proving that the first user has a balance of FC.

[0241] At step (S463), the first exchange server (31) may conclude a transaction if the purchase price for 10 coins, △F1 in Korean Won, is equal to or less than FC based on the balance details provided above. At this time, the first exchange server (31) may create transaction details as a result of the transaction conclusion.

[0242] In step (S464), the trustee server (10) may receive transaction details with the first user from the first exchange server (31). The transaction details may include content such as {First user, △F1 used, △D1 purchased}.

[0243] At step (S470), the trustee server (10) can use the transaction details provided above to update the balance of the third trustee's wallet (W40) (legal currency (FA)), the balance of the first exchange wallet (W31) (information on legal currency (FA) and digital assets (DA)), and the balance of the first user wallet (W1a).

[0244] That is, among the transaction details provided, the balances of the third-party trustee's wallet (W40) and the first exchange's wallet (W31) can be updated through a transfer between the third-party trustee's wallet (W40) and the first exchange's wallet (W31) for fiat currency. In addition, among the transaction details provided, the balances of the first exchange's wallet and the first-a user's wallet can be updated through a transfer between the first exchange's wallet (W31) and the first-a user's wallet (W1a) for digital assets.

[0245] For example, the custodian server (10) first withdraws KRW △F1 from the wallet (W40) of the third custodian and deposits it into the wallet (W31) of the first exchange server (31), and then withdraws 10 coins (△D1) from the wallet (W31) of the first exchange server (31) and deposits it into the wallet (W1a) of the first user, thereby confirming the fluctuations between the KRW and the coin. As a result, the balance of the wallet (W40) of the third custodian may be KRW FX3-△F1, coin DX3+△D1, and the balance of the wallet (W31) of the first exchange server (31) may be KRW FM1+△F1, coin DM1-△D1.

[0246] In step (S471), the consignment server (10) can update the record of the consignment information of the first user. For example, the consignment information of the first user can be updated to FA (FC-△F1).

[0247] In step (S472), the trustee server (10) can provide the third trustee server (40) with a record of the first user's balance (FA), information on the balance of the first user's wallet (W1a) and information on the third trustee's balance (FA / DA).

[0248] In step (S473), the trustee server (10) can provide information on the first user balance (FA / DA) and the first exchange balance (FA / DA) to the first exchange server (31).

[0249] In step (S480), the third trustee server (40) can update the legal tender information of the third trustee's wallet (W41) and the first user's wallet (W1) stored in the third trustee server (40) using the record of the first user's balance (FA), information on the balance (DA) of the first user's wallet (W1a), and information on the balance (FA / DA) of the third trustee's wallet (W40). In other words, step (S480) is a step for executing a settlement between the third trustee and the first user.

[0250] For example, it can be assumed that the third-party trustee's wallet (W41) created on the third-party trustee server (40) stores legal tender (FA) worth FX1. The first user's wallet (W1) can be updated with legal tender (FA) equal to FC-△F1, as shown in the transaction history. In addition, the third-party trustee's wallet (W41) can be updated with legal tender (FA) equal to FX1+△F1.

[0251] In step (S481), the third-party trustee server (40) can report (provide) the balance of the first user to the first user terminal (20). For example, the third-party trustee server (40) can provide the first user terminal (20) with the information that the legal tender asset stored in the third-party trustee is 'FC-△F1' and the digital asset stored in the trustee is '△D1'. At this time, the first user terminal (20) can receive information about the transaction conclusion from the first exchange server (31), and thus, the information provided from the first exchange server (31) can be compared with the information provided from the third-party trustee server (40).

[0252] For example, in step (S490), the third trustee server (40) may receive a request for withdrawal of digital assets from the first user terminal (20).

[0253] In step (S491), the third trustee server (40) can request the trustee server (10) to withdraw the first user's digital assets.

[0254] In step (S492), the trustee server (10) can pay the digital asset of the first user who has received the withdrawal request to the first user terminal (20).

[0255] Meanwhile, when the third trustee server (40) receives a request for withdrawal of legal tender from the first user terminal (20), it can be done in the same manner as the embodiment of Fig. 9b.

[0256] FIG. 12a and FIG. 12b are drawings for explaining a method for providing a custody service and a transaction service using two custody institution servers and an exchange server according to the sixth embodiment of the present invention.

[0257] In the sixth embodiment, unlike the fifth embodiment, the third-party trust server (40) may only provide trust services for digital assets and not for fiat currency. In this case, the third-party trust server (40) may request the trust server (10) to accept fiat currency for the first user.

[0258] Steps (S501) to (S504) may be identical to steps (S401) to (S404) described above.

[0259] However, in step (S503), the third trustee server (40) may provide information on users to be entrusted to the trustee server (10). That is, the third trustee server (40) may provide subscription information including, for example, the first user's unique number and entrusted wallet information (digital assets) to the trustee server (10).

[0260] In step (S505), the third trustee server (40) can request the trustee server (10) to entrust the legal tender of the first user.

[0261] In step (S506), the trustee server (10) can create a first user wallet (Wla) to store the first user's legal tender.

[0262] In step (S510), the trustee server (10) can synchronize information by providing information about the first user (the first user's unique number and the details of the first user's legal currency wallet (W1a)) to the third trustee server (40) and the first exchange server (31).

[0263] At step (S520), the trustee server (10) can receive a trust request from the third trustee server (40) along with legal tender (FA) in the amount of FX3 (e.g., 5 billion) and digital assets (DA) in the amount of DX3 (e.g., 1,000 coins).

[0264] In step (S521), the trustee server (10) can record (store) and store legal tender (FA) FX3 (e.g., 5 billion) and digital asset (DA) DX3 (e.g., 1,000 coins) in the third trustee's wallet (W40).

[0265] In step (S530), the third trustee server (40) can receive a deposit of digital assets (DA) DC from the first user terminal (20) along with a trust request.

[0266] In step (S531), the third trustee server (40) can record (store) and store the digital asset (DA) DC in the first user's wallet (W1).

[0267] At step (S540), the trustee server (10) can receive a trust request from the first exchange server (31) along with a deposit of legal tender (FA) in the amount of FM1 (e.g., KRW 2 billion) and a digital asset (DA) in the amount of DM1 (e.g., 500 coins).

[0268] In step (S541), the trustee server (10) can record (store) and store legal tender (FA) FM1 and digital asset (DA) DM1 in the wallet (W31) of the first exchange server (31).

[0269] The order of steps (S521), (S531), and (S541) may be changed depending on the embodiment.

[0270] In step (S550), the trustee server (10) can receive information (the unique number of the first user, the digital asset (DA) details of the first user's wallet) from the third trustee server (40) about the fact that the first user has entrusted the digital asset (DA) DC to the third trustee server (40).

[0271] In step (S551), the trustee server (10) can record (store) information about the fact of the trust to the first user as a record.

[0272] At step (S560), the first exchange server (31) may receive a transaction request from the first user terminal (20). The transaction request may, for example, be for the sale of 10 coins (△D1). Information regarding the Korean Won △F1 that can be obtained by selling 10 coins may be provided through the first exchange server (31).

[0273] In step (S561), the trustee server (10) may be requested by the first exchange server (31) to verify the balance of the first user. That is, the first exchange server (31) may need to confirm whether the balance of the first user contains 10 coins that can be sold. Accordingly, the first exchange server (31) may request the trustee server (10) to verify whether it has information on the balance of the first user. Although the first user has not directly registered with the trustee server (10), the trustee server (10) knows the balance of the first user since it has received information on the first user from the third trustee server (40).

[0274] In step (S562), the trustee server (10) can provide the first exchange server (31) with the balance details of the first user as information proving that the balance of the first user is as much as DC.

[0275] At step (S563), the first exchange server (31) can conclude a transaction based on the balance details provided above if the first user holds 10 coins to sell (△D1 < DC). At this time, the first exchange server (31) can create transaction details as a result of the transaction conclusion.

[0276] In step (S564), the trustee server (10) can receive the transaction details of the first user from the first exchange server (31). The transaction details may include content such as {First user, △D1 used, △F1 acquired}.

[0277] In step (S570), the trustee server (10) can use the transaction details provided above to update the balance of the third trustee's wallet (W40) (digital asset (DA)), the balance of the first exchange wallet (W31) (information on legal tender (FA) and digital asset (DA)), and the balance of the first user wallet (W1a).

[0278] That is, among the transaction details provided, the balances of the wallets of the third trustee (W40) and the wallets of the first exchange (W31) can be updated through a transfer between the wallets of the third trustee (W40) and the wallets of the first exchange (W31) for digital assets. In addition, among the transaction details provided, the balances of the wallets of the first exchange (W31) and the wallets of the first a user (W1a) can be updated through a transfer between the wallets of the first exchange (W31) and the wallets of the first a user (W1a).

[0279] For example, the custodian server (10) first withdraws the digital asset △D1 from the wallet (W40) of the third custodian and deposits it into the wallet (W31) of the first exchange server (31), and then withdraws the KRW △F1 from the wallet (W31) of the first exchange server (31) and deposits it into the wallet (W1a) of the first user, thereby confirming the fluctuation of the KRW and the coin. As a result, the balance of the wallet (W40) of the third custodian may be KRW FX3, coin DX3-△D1, and the balance of the wallet (W31) of the first exchange server (31) may be KRW FM1-△F1, coin DM1+△D1. In addition, the balance of the wallet (W1a) of the first user may be KRW △F1.

[0280] In step (S571), the consignment server (10) can update the record regarding the consignment information of the first user. For example, the consignment information of the first user can be updated to DA (DC-△D1).

[0281] In step (S572), the trustee server (10) can provide the third trustee server (40) with a record of the first user's balance (DA), information on the balance of the first user's wallet (W1a) and the third trustee's balance (FA / DA).

[0282] In step (S573), the trustee server (10) can provide information on the first user balance (FA / DA) and the first exchange balance (FA / DA) to the first exchange server (31).

[0283] In step (S580), the third trustee server (40) can update the digital asset information of the third trustee's wallet (W41) and the first user's wallet (W1) stored in the third trustee server (40) using the record of the first user's balance (DA), information on the balance (FA) of the first user's wallet (W1a), and information on the balance (FA / DA) of the third trustee's wallet (W40). In other words, step (S580) is a step for executing a settlement between the third trustee and the first user.

[0284] For example, it can be assumed that the third-party trustee's wallet (W41) created on the third-party trustee server (40) stores digital assets (DA) of the amount DX1. The first user's wallet (W1) can be updated with the digital asset (DA) as DC-△D1, as in the transaction history. In addition, the digital asset (DA) of the third-party trustee's wallet (W41) can be updated with DX1+△D1.

[0285] In step (S581), the third-party trustee server (40) can report (provide) the balance of the first user to the first user terminal (20). For example, the third-party trustee server (40) can provide the first user terminal (20) with the information that the digital asset stored in the third-party trustee is 'DC-△D1' and the legal tender asset stored in the trustee is '△F1'. At this time, the first user terminal (20) can receive information about the transaction conclusion from the first exchange server (31), and thus, the information provided from the first exchange server (31) can be compared with the information provided from the third-party trustee server (40).

[0286] For example, in step (S590), the third trustee server (40) may receive a request for withdrawal of legal tender from the first user terminal (20).

[0287] In step (S591), the third trustee server (40) can request the trustee server (10) to withdraw the first user's legal tender.

[0288] In step (S592), the trustee server (10) can pay the legal tender of the first user who has requested the withdrawal to the first user terminal (20).

[0289] Meanwhile, when the third trustee server (40) receives a request for withdrawal of digital assets from the first user terminal (20), it can be done in the same manner as the embodiment of FIG. 9b.

[0290] FIG. 13 is a flowchart illustrating a process in which a trustee server authenticates the identity of a first user and generates a first passport, which is authentication information for the first user, based on the authentication result, according to one embodiment of the present invention.

[0291] In step (S410), a first user who wishes to subscribe to a service provided by a trustee can transmit a subscription request to a trustee server (hereinafter, first server) (10) operated by the trustee using a first user terminal (20) among multiple terminals available to the first user.

[0292] The above subscription request may include a subscription request of the first user regarding the use of the service provided by the above trustee, the first user ID card, which is the first user's ID card, first personal identification information, and first authentication terminal information.

[0293] Here, the first personal identification information may include the first user's resident registration number, name, address, and contact information. Furthermore, the first authentication terminal information may be a specific terminal designated by the first user among multiple terminals available to the first user.

[0294] The above first authentication terminal information may be information identifying the specific terminal. In a preferred embodiment, a device that can be used by an unspecified person in a place such as a PC room can be set so that it cannot be designated as the specific terminal. In one embodiment, the specific terminal is a terminal used for a mobile communication service that the first user has subscribed to through a legitimate procedure, such as a smartphone. Alternatively, the specific terminal may be a personal desktop / laptop / tablet used by the first user. The information identifying the specific terminal may be, but is not limited to, a MAC address assigned to the specific terminal, a terminal serial number, or a mobile phone number.

[0295] In response to the subscription request of step (S410), the trustee server (10) can execute step (S420).

[0296] In step (S420), the trustee server (10) may transmit an authentication request to an agent authentication server (70) operated by another service provider that provides a service for authenticating the user's identity. The authentication request may include a first user authentication request, which is a request to authenticate the first user's identity, the first user's ID card, and the first personal identification information.

[0297] The above proxy authentication server (70) can, in response to the authentication request of step (S420), authenticate the identity of the first user by comparing the first personal identification information with the information recorded on the first user's ID card. If the first personal identification information and the information recorded on the first user's ID card are matched, the proxy authentication server (70) can execute step (S430).

[0298] In step (S430), the proxy authentication server (70) can transmit an authentication completion message indicating that the identity of the first user has been successfully authenticated to the trustee server (10).

[0299] In response to the authentication completion message of the above step (S430), the trustee server (10) can execute step (S440).

[0300] In step (S440), the trustee server (10) can permanently store the first personal identification information and the first authentication terminal information in a storage accessible to the trustee server (10). In addition, the trustee server (10) can open a first account for the first user, create a first passport for the first user and store it in the storage, and complete the first user's registration for use of the service provided by the trustee.

[0301] Here, the first passport is information indicating that the identity verification of the first user who provided the first personal identification information has been completed. In other words, the first passport is stored in association with the first user, and if the existence of the first passport is confirmed, the identity verification of the first user can be considered complete.

[0302] When step (S430) is completed, information regarding the first user ID is deleted from the proxy authentication server (70), and when step (S440) is completed, information regarding the first user ID can be deleted from the trustee server (10). The deletion of the first user ID can be enforced by relevant laws and regulations.

[0303] Figure 14 is a flowchart showing a user authentication method provided according to one embodiment of the present invention.

[0304] In step (S510), a first user who wishes to subscribe to a service provided by another organization other than the trustee organization may transmit a second subscription request to the other organization server (second server) (80) operated by the other organization using the first user terminal (20) among multiple terminals available to the first user. Here, the first user terminal (20) may be the same as or different from the first user terminal presented in FIG. 13.

[0305] The above-mentioned third party institution may be the first exchange that operates the first exchange server (31) or may be a third-party trustee institution server (40), but is not limited thereto.

[0306] The above second subscription request may include the first user's subscription request for use of the service provided by the other organization, first personal identification information, first authentication terminal information, alternative authentication request, and first password.

[0307] Here, the first personal identification information may include the first user's resident registration number, name, address, and contact information, and may be the same as the first personal identification information provided in step (S410) of FIG. 13.

[0308] And the first authentication terminal information may be a specific terminal designated by the first user among multiple terminals that the first user can use, and is the same as the first authentication terminal information provided in step (S410) of FIG. 13.

[0309] The above alternative authentication request means that the first user terminal (20) will not provide the first user's identification card to the other organization server (80). In addition, the above alternative authentication request is a request that the other organization server (80) not authenticate the first user's identity using the first user's identification card, but instead authenticate the user using the first user's passport provided by the trustee organization server (10).

[0310] The above first PW is information entered by the first user using the first user terminal (20), and may be a value transmitted to both the other organization server (80) and the trustee organization server (10). The above first PW is a type of password designated by the first user, and the password may have a limited validity period.

[0311] In step (S520), the first user terminal (20) can transmit a first user authentication request to the trustee server (10) to perform authentication of the first user on behalf of the other organization.

[0312] The above first identity verification request may include the first user login information, information of the other organization that identifies the other organization, a passport transmission request that requests transmission of the first passport, which is the passport of the first user, to the other organization, and the first password.

[0313] The above first user login information may include the first user's ID and password required for the first user to log in to the service domain provided by the trustee. By submitting the first user login information to the trustee server (10), the first user can utilize the data and services provided by the trustee server (10) for the first user.

[0314] The above-mentioned other organization information may include information for the trustee server (10) to connect to the other organization server (80). For example, the other organization information may be the ID of the other organization, and in this case, the trustee server (10) may search for the ID of the other organization in a database that the trustee server (10) can access to find out the communication address of the other organization server (80). To this end, the trustee server (10) may be configured to access a database that stores the IDs of various other organizations, including the other organization, and the addresses of servers corresponding thereto. Alternatively, the other organization information may be the connection address of the other organization server (80). The other organization information may be provided in various forms in addition to the examples described above.

[0315] The above passport transmission request may be a request to transmit the first passport that the trustee server (10) created and stored for the first user in step (S440) of FIG. 13 to the other organization server (80).

[0316] The above first PW is the same as the first PW that the first user terminal (20) transmitted to the other organization server (80) in the above step (S510).

[0317] The above step (S510) may be executed before or after the above step (S520).

[0318] The above-mentioned third-party server (80) can execute step (S531) in response to the second subscription request transmitted from the first user terminal (20) in step (S510).

[0319] In step (S531), the other organization server (80) may generate a first OTP using OTP devices shared with the trust organization server (10). The first OTP may be a one-time password generated using a well-known OTP (One Time Password) device and may have a limited validity period.

[0320] In a modified embodiment, the generation of the first OTP and subsequent actions based on it may be omitted. The following description focuses on an embodiment in which the first OTP is generated and utilized.

[0321] In step (S532), the other organization server (80) can transmit the first OTP, terminal authentication request, and a predetermined verification link to the first authentication terminal (20`) indicated by the first authentication terminal information received from the first user terminal (20).

[0322] The above terminal authentication request may be a request to verify, through the first authentication terminal designated by the first user, whether the person who sent the first identity authentication request to the trustee server (10) in the above step (S520) is a person with true rights.

[0323] The above verification link may include, for example, information indicating a webpage that the first authentication terminal (20`) can access. The webpage may be provided by the trustee server (10). The other organization that operates the other organization server (80) and the trustee organization that operates the trustee server (10) may have an agreement or contract for this purpose, and thus the trustee server (10) may be able to create and operate the webpage, and the other organization server (80) may know in advance the information for accessing the webpage.

[0324] The above first OTP may be transmitted in conjunction with the verification link. The terminal authentication request may also be transmitted in conjunction with the verification link. If the verification link conforms to a format that complies with specific protocols, the existence of the verification link itself may function as the terminal authentication request, even if no special information regarding the terminal authentication request is associated with the verification link. The specific protocols may have already been agreed upon between the other organization and the trustee organization.

[0325] If the first authentication terminal (20`) is, for example, a smartphone, the verification link may be transmitted to the smartphone in the form of SMS information or SNS information. Alternatively, if the first authentication terminal (20`) is a device such as a desktop / laptop, the verification link may be transmitted to a dedicated program installed in the first authentication terminal (20`).

[0326] The above first authentication terminal is a terminal used by the first user and may or may not be the same as the first user terminal (20).

[0327] The first user using the first authentication terminal (20`) can select the verification link transmitted to the first authentication terminal (20`) and displayed on the first authentication terminal (20`). Since the verification link includes information about a web page provided by the trustee server (10), the first authentication terminal (20`) can access the web page. That is, the first authentication terminal (20`) can access the trustee server (10) using the verification link.

[0328] In step (S533), when the first user selects the verification link, the first authentication terminal (20`) can connect to the trustee server (10) and provide the first OTP and the terminal authentication request to the trustee server (10). It can also be understood that step (S533) is a step in which the first authentication terminal (20`) itself provides the first authentication terminal information, which is information identifying the first authentication terminal (20`), to the trustee server (10).

[0329] In response to the above step (S533), the trustee server (10) can execute step (S540).

[0330] In step (S540), the trustee server (10) can verify the first authentication terminal using the information specifying the first authentication terminal (20`) included in the information transmitted by the first authentication terminal (20`). That is, the first authentication terminal information designated by the first user, which was stored in step (S440) of FIG. 13, can be compared with the information specifying the first authentication terminal (20`) included in the information transmitted by the first authentication terminal (20`) to determine whether they match. If they match, the terminal authentication is successful, and if not, the terminal authentication is failed.

[0331] In addition, in step (S540), the first OTP received in step (S533) can be verified. That is, it can be determined whether the second OTP generated using an OTP device executable by the trustee server (10) and the first OTP match each other. If they match, it can be determined that the series of processes including steps (S531), (S532), and (S533) were completed within a short period of time. In other words, it can be determined that the series of processes were completed in near real time.

[0332] If the above series of processes were performed in near real-time and the terminal authentication was successful, the trustee server (10) can proceed to the steps after step (S540). Otherwise, the trustee server (10) can terminate processing without proceeding to the steps after step (S540).

[0333] In one embodiment, the step (S531) of generating the first OTP may be omitted. In this case, the first OTP is not transmitted in steps (S532) and (S533), and verification of the first OTP is not performed in step (S540). The series of processes utilizing the first OTP are intended to verify whether the process is being performed in near real-time, and these processes may be optionally adopted or deleted.

[0334] In step (S550), the trustee server (10) can read and extract the first personal identification information and the first passport stored for the first user. Furthermore, it can generate first alternative authentication information, which is information that combines the first passport and the first password. The first alternative authentication information can be considered information that replaces the first user's identification card.

[0335] For example, the first alternative authentication information can be obtained by applying a first operation that multiplies the information representing the first passport by the first PW. In this way, the first passport can be obtained by dividing the first alternative authentication information by the first PW.

[0336] That is, by applying a predetermined first operation to the first passport and the first PW, the first alternative authentication information can be generated. And if the first operation is a reversible operation, by applying the inverse operation of the first operation to the first alternative authentication information and the first PW, the first passport can be obtained.

[0337] In step (S551), the trustee server (10) can transmit the extracted first personal identification information and the first alternative authentication information together to the other organization server (80). Since the trustee server (10) has obtained the other organization information in step (S520), the trustee server (10) can specify the other organization server (80). At this time, since the first alternative authentication information is transmitted together with the first personal identification information, it can be seen that the first alternative authentication information also includes information indicating that it is related to the first personal identification information.

[0338] In response to the above step (S551), the other organization server (80) can execute step (S540).

[0339] In step (S540), the other organization server (80) can extract the first passport from the first alternative authentication information using the first PW obtained in step (S510). That is, the first passport can be obtained by applying the inverse operation of the first operation to the first alternative authentication information and the first PW. This can be established under the assumption that information specifying the first operation is shared between the other organization server (80) and the trustee organization server (10), and that the inverse operation of the first operation exists.

[0340] In step (S550), the other organization server (80) can approve the first user's subscription to the service provided by the other organization if the extracted first passport conforms to a predetermined promised format.

[0341] Figure 15 is a flowchart showing a user authentication method provided according to another embodiment of the present invention.

[0342] The method shown in Fig. 15 is the same as the method shown in Fig. 14, except that steps (S520), (S532), and (S533) are changed to steps (S520`), (S532`), and (S533`).

[0343] In step (S520) of FIG. 14, the first user terminal (20) transmits the other organization information to the trustee server (10), but in step (S520`) of FIG. 15, the first user terminal (20) does not transmit the other organization information to the trustee server (10).

[0344] In step (S532) of FIG. 14, the other organization server (80) does not transmit information about itself, i.e., information about the other organization server, to the first authentication terminal (20`), but in step (S532`) of FIG. 15, the other organization server (80) transmits information about itself, i.e., information about the other organization server, to the first authentication terminal (20`).

[0345] In step (S533) of FIG. 14, even if the first user selects the verification link at the first authentication terminal (20`), the first authentication terminal (20`) does not transmit the other organization information to the trustee server (10). However, in step (S533`) of FIG. 15, if the first user selects the verification link at the first authentication terminal (20`), the first authentication terminal (20`) transmits the other organization information to the trustee server (10).

[0346] In step (S551) of FIG. 15, the trustee server (10) can transmit the first personal identification information and the first alternative authentication information to the other organization server (80) by specifying the other organization server. This is because the other organization information, which is information that can specify the other organization server (80), has already been provided to the trustee server (10) through steps (S532`) and (S533`).

[0347] That is, when comparing the method of FIG. 14 with the method of FIG. 15, there is a difference in that in the method of FIG. 14, the first user terminal (20) transmits information about the other organization server to the trustee server (10), but in the method of FIG. 15, the other organization server (80) transmits information about the other organization server to the trustee server (10) through the first authentication terminal (20`).

[0348] The trustee server (10) may not be a single server, but rather a collection of multiple servers. Therefore, even if the functions provided by the trustee server (10) in this specification are implemented by distributing them across multiple servers, it should be considered within the scope of the present invention.

[0349] By utilizing the embodiments of the present invention described above, those skilled in the art will be able to easily implement various changes and modifications without departing from the essential characteristics of the present invention. The content of each claim may be combined with other claims that are not in a citation relationship within the scope of this specification, as long as it is understood.

Claims

1. A step (S34) in which the trustee server (10) receives a trust asset including at least one of legal tender and digital assets along with a trust request from the first user terminal of the first user who has registered as a member of the trustee server; A step (S35) in which the above trustee server stores the entrusted asset in the first user wallet (W1) for the first user; A step (S100) in which the trustee server sets a first limit that the first user can use among the trust assets stored in the first user wallet (W1) on the first exchange server operated by the first exchange that has registered as a member of the trustee server; and A step (S110) in which the above-mentioned trustee server transmits information about the first limit set by the first user to the above-mentioned first exchange server; Includes, The above first exchange server is configured to display the information regarding the first limit received on the screen of the first user terminal when the first user accesses the first exchange server through the first user terminal, and When the above first exchange server receives a transaction request from the above first user terminal, it is set to transact with the above first user within the above first limit. A method for providing a platform for managing custodial assets in conjunction with an asset exchange.

2. In the first paragraph, prior to the transmitting step, the trustee server further includes a step (S100) of setting a second limit that the first user can use among the trust assets stored in the first user wallet (W1) on the second exchange server operated by the second exchange that has registered as a member of the trustee server. The above-mentioned trustee server is configured to transmit information regarding the second limit set by the first user to the above-mentioned second exchange server, The above second exchange server is configured to display the information regarding the second limit received on the screen of the first user terminal when the first user accesses the second exchange server through the first user terminal. When the above second exchange server receives a transaction request from the above first user terminal, it is set to transact with the above first user within the above second limit, and The sum of the first limit and the second limit is characterized by being less than or equal to the entrusted assets stored in the first user wallet (W1). A method for providing a platform for managing custodial assets in conjunction with an asset exchange.

3. In paragraph 2, At least some of the limits of the first limit and the second limit are set by the trustee server according to a predetermined rule, or are set by the first user and provided to the trustee server through the first user terminal. A method for providing a platform for managing custodial assets in conjunction with an asset exchange.

4. In paragraph 2, At least some of the limits of the first limit and the second limit are set by the first user and provided to the trustee server through the first user terminal. Before the step of setting the first limit by the trustee server, the trustee server further includes a step of receiving a request for setting a transaction limit together with at least a portion of the limit from the first user terminal. A method for providing a platform for managing custodial assets in conjunction with an asset exchange.

5. A step (S34) in which the trustee server (10) receives a trust asset including at least one of legal tender and digital assets along with a trust request from the first user terminal of the first user who has registered as a member of the trustee server; A step (S35) in which the above trustee server stores the entrusted asset in the first user wallet (W1) for the first user; A step (S100) in which the trustee server sets a first limit that the first user can use on a first exchange server operated by a first exchange that is registered as a member of the trustee server among the trust assets stored in the first user wallet (W1), and sets a second limit that the first user can use on a second exchange server operated by a second exchange that is registered as a member of the trustee server among the trust assets stored in the first user wallet (W1); and A step in which the trustee server transmits information about the first user's set first limit to the first exchange server and transmits information about the first user's set second limit to the second exchange server; Includes, The sum of the above first limit and the above second limit is less than or equal to the entrusted assets stored in the above first user wallet (W1), When the above first exchange server receives a transaction request from the above first user terminal, it is set to transact with the above first user within the above first limit, and When the above second exchange server receives a transaction request from the above first user terminal, it is set to transact with the above first user within the above second limit. A method for providing a platform for managing custody assets by linking with multiple asset exchanges.

6. In paragraph 5, At least some of the limits of the first limit and the second limit are set by the trustee server according to a predetermined rule, or are set by the first user and provided to the trustee server through the first user terminal. A method for providing a platform for managing custody assets by linking with multiple asset exchanges.

7. In paragraph 5, At least some of the limits of the first limit and the second limit are set by the first user and provided to the trustee server through the first user terminal. Before the step of setting the first limit by the trustee server, the trustee server further includes a step of receiving a request for setting a transaction limit together with at least a portion of the limit from the first user terminal. A method for providing a platform for managing custody assets by linking with multiple asset exchanges.

8. In paragraph 5, Before the above transmitting step, A step (S30) in which the above-mentioned trustee server receives a deposit request from the above-mentioned first exchange server along with legal tender and digital assets of the above-mentioned first exchange server; and A step (S31) in which the above-mentioned trustee server stores information on the legal currency and digital assets of the first exchange server that received the above-mentioned trust request in the first exchange server wallet (W31) for the first exchange server; Including more, After the above transmitting step, When the above-mentioned trustee server receives a request for proof of the balance of the first user from the first exchange server, a step (S41~S42) of providing proof information of the first user's wallet of the first user to the first exchange server; A step (S44) in which the above-mentioned trustee server receives, from the above-mentioned first exchange server, transaction details between the above-mentioned first exchange and the above-mentioned first user using the above-mentioned proof information; A step (S45) in which the above-mentioned trustee server updates the information of the entrusted assets stored in the first user wallet (W1) using the transaction details provided, and updates the information of the legal tender and digital assets stored in the first exchange server wallet; and A step (S46~S47) in which the trustee server provides information on entrusted assets stored in the updated first user wallet (W1) to the first user terminal and provides information on legal tender and digital assets stored in the updated first exchange server wallet to the first exchange server; Includes, The above first exchange server is the exchange server where the first user registered as a member, and the above transaction history is the transaction history made when the first user requested a transaction to the first exchange server using the first user terminal. A method for providing a platform for managing custody assets by linking with multiple asset exchanges.

9. In paragraph 5, Before the above transmitting step, Step (S32) where the above-mentioned trustee server receives a deposit of legal tender and digital assets from the second exchange server along with a consignment request from the second exchange server; and A step (S33) in which the above-mentioned trustee server stores information on the legal currency and digital assets of the second exchange server that received the consignment request in the second exchange server wallet (W32) for the second exchange server; Including more, After the above transmitting step, When the trustee server receives a request for proof of the balance of the first user from the second exchange server, a step (S51 to S52) of providing the second proof information of the first user's wallet of the first user to the second exchange server; A step (S54) in which the trustee server receives, from the second exchange server, the second transaction details between the second exchange and the first user, which were concluded using the second proof information; Step (S55) where the above-mentioned trustee server updates the information of the entrusted asset stored in the first user wallet (W1) using the second transaction details provided, and updates the information of the legal tender and digital assets stored in the second exchange server wallet; and A step (S56~S57) in which the trustee server provides information on entrusted assets stored in the updated first user wallet (W1) to the first user terminal, and provides information on legal tender and digital assets stored in the updated second exchange server wallet to the second exchange server; Including more, The above second exchange server is the exchange server where the first user registered as a member, and the above second transaction details are transaction details made when the first user requested a transaction to the second exchange server using the first user terminal. A method for providing a platform for managing custody assets by linking with multiple asset exchanges.

10. In paragraph 5, A step in which the above-mentioned trustee server receives a request for withdrawal of the trust assets stored in the first user wallet (W1) from the first user terminal; and Step (S60) where the above trustee server executes withdrawal of the trust assets stored in the first user wallet (W1); including more, A method for providing a platform for managing custody assets by linking with multiple asset exchanges.

11. In paragraph 5, The above-mentioned trustee server provides a service platform for trusting legal tender and digital assets. The above first exchange server and the above second exchange server provide only a digital asset transaction service platform, or provide a digital asset transaction service and custody service platform together. A method for providing a platform for managing custody assets by linking with multiple asset exchanges.

12. In paragraph 5, the first user is an individual investor, a corporate investor, or an institutional investor, and a method for providing a platform for managing entrusted assets in conjunction with multiple asset exchanges.

13. A custody institution server (10) that provides custody services for legal tender and digital assets of multiple registered users and multiple exchange servers; and The plurality of exchange servers (30) are configured to receive synchronization information on entrusted assets including at least one of legal tender and digital assets requested for entrustment by a first user among the plurality of users entrusted to the entrusted institution server from the entrusted institution server at predetermined points in time; Includes, The above-mentioned trustee server is configured to set a first limit that the first user can use among the entrusted assets stored in the first user wallet (W1) for the first user on any first exchange server among the plurality of exchange servers. The synchronization information of the first user provided to the first exchange server is synchronization information that includes information regarding the first limit. The above-mentioned trustee server is configured to set a second limit that the first user can use among the entrusted assets stored in the first user wallet (W1) on any second exchange server among the multiple exchange servers. The synchronization information of the first user provided to the second exchange server is synchronization information that includes information regarding the second limit. The sum of the above first limit and the above second limit is less than or equal to the entrusted assets stored in the above first user wallet (W1), When the above first exchange server receives a transaction request from the first user's terminal, it is set to transact with the first user within the first limit, and When the above second exchange server receives a transaction request from the above first user terminal, it is set to transact with the above first user within the above second limit. A platform system that manages custody assets by linking with multiple asset exchanges.

14. In paragraph 13, At least some of the limits of the first limit and the second limit are set by the trustee server according to a predetermined rule, or are set by the first user and provided to the trustee server through the first user terminal. A platform system that manages custody assets by linking with multiple asset exchanges.

15. In paragraph 13, At least some of the limits of the first limit and the second limit are set by the first user and provided to the trustee server through the first user terminal. Before the step of setting the first limit by the trustee server, the trustee server further includes a step of receiving a request for setting a transaction limit together with at least a portion of the limit from the first user terminal. A platform system that manages custody assets by linking with multiple asset exchanges.

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