Virtual currency transaction intermediary method and virtual currency transaction intermediary method

Abstract

According to an embodiment of the present invention, a virtual currency transaction intermediary device and a virtual currency transaction intermediary method may be provided. The virtual currency transaction intermediary method may comprise the steps of: receiving a product purchase request of a purchaser, and acquiring product payment information including information on a virtual currency account of the purchaser, information on a purchased product, and information on a virtual currency account of a seller; calculating a virtual currency amount corresponding to a sales amount of the purchased product; determining whether virtual currency equal to or greater than the calculated virtual currency amount exists in the virtual currency account of the purchaser; when it is determined that virtual currency equal to or greater than the calculated virtual currency amount exists in the virtual currency account of the purchaser, transferring virtual currency from the virtual currency account of the purchaser to a virtual currency account of a transaction intermediary; and transferring the virtual currency from the virtual currency account of the transaction intermediary to the virtual currency account of the seller.

Description

Cryptocurrency trading brokerage methods and cryptocurrency trading brokerage methods

[0001] The present invention relates to virtual currency technology, and more specifically, to a method for brokering transactions using virtual currency and a transaction brokerage device.

[0002] Cryptocurrencies are rapidly spreading alongside the advancement of blockchain technology and are being utilized globally in various forms, including Bitcoin and Ethereum. Based on their decentralized nature, cryptocurrencies enable fast and transparent transactions, drawing attention in various fields such as e-commerce, remittances, and investments. However, current cryptocurrency trading systems face several technical limitations and issues.

[0003] Existing cryptocurrency trading systems rely entirely on internet connectivity. Trading is impossible in environments where the internet is unstable or disconnected, which poses a significant limitation to the use of cryptocurrencies, particularly in remote areas or overseas where internet access is restricted. This issue acts as one of the major factors limiting the usability of cryptocurrencies.

[0004] Cryptocurrency trading generally focuses solely on immediate payment methods, resulting in a lack of systems that support credit-based transactions. Credit transactions guarantee trust between trading parties through escrow systems and are an essential function for long-term contracts or distance commerce. However, current cryptocurrency trading systems fail to adequately support this, making it difficult to utilize in sectors where credit is critical, such as construction and manufacturing.

[0005] The price volatility of cryptocurrencies is pointed out as a significant issue that undermines transaction stability. Cryptocurrency prices are prone to rapid fluctuations depending on market conditions and trading volume, making it difficult for users to execute trades at predictable prices. Such price volatility can act as a major obstacle, particularly in cases where trust is required during the transaction process.

[0006] Furthermore, for these reasons, not only are the number of stores supporting cryptocurrency as a payment method limited, but there is also a lack of effective systems to help users easily find such stores. This results in a reduction in the practical scope of cryptocurrency usage.

[0007] The present invention aims to solve the following problems in order to overcome the existing limitations of virtual currency trading systems and to implement a trading process utilizing virtual currency more efficiently and stably.

[0008] First, the goal is to provide a system that enables cryptocurrency trading even in environments where internet connectivity is unavailable. This is intended to support the safe and seamless use of cryptocurrency in remote areas, overseas locations with limited internet access, or situations with unstable networks.

[0009] Second, the goal is to enhance transaction reliability by introducing credit trading and escrow functions into cryptocurrency transactions. This supports long-term contracts and remote commerce based on trust between the parties, and ensures fair handling in situations involving transaction cancellations or disputes.

[0010] Third, it involves implementing technology to control the price volatility of cryptocurrencies and ensure stability. By utilizing Automated Market Makers (AMMs), it mitigates sharp price fluctuations and provides a predictable trading environment, enabling users to conduct reliable transactions.

[0011] Fourth, it provides a function that allows users to effectively search for stores where virtual currency payments are accepted. Through this, it expands the scope of virtual currency usage and enables users to utilize virtual currency more conveniently in their daily lives.

[0012] By solving these problems, the present invention aims to simultaneously improve the practicality and reliability of cryptocurrency transactions and, based on this, maximize the potential for utilizing cryptocurrency in various environments.

[0013] As a means for solving the above-mentioned problem, a virtual currency transaction brokerage method according to an embodiment of the present invention may include: a virtual currency transaction brokerage device comprising one or more processors; and one or more memories in which instructions are stored to cause the one or more processors to perform calculations when executed by the one or more processors, wherein the method may include: receiving a product purchase request from a buyer and acquiring product payment information including the buyer's virtual currency account information, product information and seller's virtual currency account information, which are executed by the one or more processors; calculating a virtual currency payment amount corresponding to the sales amount of the purchased product; determining whether a virtual currency equal to or greater than the calculated virtual currency payment amount exists in the buyer's virtual currency account; if it is determined that a virtual currency equal to or greater than the calculated virtual currency payment amount exists in the buyer's virtual currency account, transferring virtual currency from the buyer's virtual currency account to the transaction broker's virtual currency account; and transferring virtual currency from the transaction broker's virtual currency account to the seller's virtual currency account.

[0014] The above product payment information includes a purchase confirmation period, and if there is no request for cancellation of purchase by the buyer within the purchase confirmation period or if the purchase confirmation period has elapsed, a transfer of virtual currency corresponding to the said virtual currency amount may be performed from the transaction intermediary's virtual currency account to the seller's virtual currency account.

[0015] The above product payment information includes a purchase confirmation period, and if there is a request for purchase cancellation by the buyer within the purchase confirmation period, the transaction amount and the return amount may be determined by mutual agreement between the buyer and the seller, the determined transaction amount may be transferred to the seller's virtual currency account, and the determined return amount may be transferred to the buyer's virtual currency account.

[0016] Purchase product information and virtual currency account information owned by the seller can be detected using the QR code for the purchased product provided by the seller.

[0017] The cryptocurrency transferred from the above-mentioned transaction intermediary's cryptocurrency account to the seller's cryptocurrency account is the cryptocurrency amount after deducting the brokerage fee.

[0018] The above-described virtual currency transaction brokerage method further includes the step of providing virtual currency transaction store information to a buyer, and the transaction store information may include one or more virtual currency transaction store locations and business information displayed on a map.

[0019] Even when the buyer's terminal is not connected to the network, the buyer can purchase goods through offline transactions based on virtual currency account information and product purchase information stored within the terminal; withdrawals from the buyer's virtual currency account are suspended while the buyer's terminal is not connected to the network, and after the buyer's terminal is reconnected to the network, steps of transferring virtual currency from the buyer's virtual currency account to the transaction intermediary's virtual currency account and transferring virtual currency from the transaction intermediary's virtual currency account to the seller's virtual currency account are performed, and the offline transaction history can be recorded on the blockchain distributed ledger upon reconnection to the network.

[0020] The above-described virtual currency trading brokerage method further includes the step of providing a swap transaction between a virtual currency and a Korean Won by an AMM (Automated Market Maker) that determines the swap price of the virtual currency to the Korean Won based on the number of buyers and sellers, and the AMM may include: a first computation module that calculates the amount of increase in the price of the virtual currency based on the number of buyers and the amount of purchase; a second computation module that calculates the amount of decrease in the price of the virtual currency based on the number of sellers and the amount of sale; a control module that limits the current price of the virtual currency to a maximum fluctuation rate within 24 hours when buying and selling; a time-based initialization module that resets the number of buyers and sellers at every preset time period (e.g., 24 hours); and a swap execution module that performs a swap transaction between virtual currencies according to the calculated price.

[0021] The first computation module increases the base price of the virtual currency inversely proportional to the total number of buyers, and the second computation module decreases the base price of the virtual currency inversely proportional to the total number of sellers; the control module controls the amount of price change resulting from buying and selling so that it does not exceed a preset maximum ratio of the previous day's closing price; the time-based initialization module resets the transaction data at the elapsed time of a preset time cycle to start a new price fluctuation cycle; the AMM operates on a blockchain network based on a smart contract, and the swap transaction history of the AMM can be configured to be recorded in a distributed ledger.

[0022] As another means for solving the above-mentioned problem, a virtual currency transaction brokerage device according to one embodiment of the present invention comprises: one or more processors; and one or more memories in which instructions are stored to cause the one or more processors to perform operations when executed by the one or more processors, wherein the one or more processors may be configured to perform steps including: receiving a product purchase request from a buyer and acquiring product payment information including the buyer's virtual currency account information, purchased product information, and seller's virtual currency account information; calculating a virtual currency amount corresponding to the sales amount of the purchased product; determining whether a virtual currency equal to or greater than the calculated virtual currency amount exists in the buyer's virtual currency account; if it is determined that a virtual currency equal to or greater than the calculated virtual currency amount exists in the buyer's virtual currency account, transferring virtual currency from the buyer's virtual currency account to the transaction broker's virtual currency account; and transferring virtual currency from the transaction broker's virtual currency account to the seller's virtual currency account.

[0023] According to the present invention, the following effects can be obtained in a virtual currency trading system and method.

[0024] First, by supporting cryptocurrency trading even in environments without internet connectivity, the usability of cryptocurrency can be significantly expanded in restricted settings such as remote areas, overseas locations, and regions with unstable networks. In particular, by configuring transaction records to automatically update once the internet connection is restored, both data reliability and transaction stability are simultaneously ensured.

[0025] Second, trust between trading parties can be strengthened through credit transactions and escrow functions. By providing reasonable and fair solutions even in situations of transaction cancellation or disputes, it significantly enhances the potential for utilizing virtual currency in long-term contracts and distance commerce.

[0026] Third, it provides a stable trading environment by mitigating price volatility in cryptocurrency transactions through the utilization of Automated Market Makers (AMMs). This enables users to trade cryptocurrencies at predictable prices, further enhancing market reliability.

[0027] Fourth, through a function that allows users to efficiently search for stores where virtual currency payments are accepted, users can utilize virtual currency more conveniently in their daily lives. This expands the scope of virtual currency usage and lays the foundation for revitalizing the virtual currency ecosystem.

[0028] Fifth, by depositing the amount of cryptocurrency corresponding to the fees incurred when using cryptocurrency as a payment method into the seller's account after deducting the fee, the burden of fees on the consumer is eliminated, and the fees incurred during cryptocurrency payment are shifted to the seller.

[0029] Sixth, while credit card fees typically range from 1% to 4%, virtual currency only requires a network transfer fee of about 1 to 10 won regardless of the product price, which can reduce the fee burden for consumers and sellers.

[0030] In conclusion, the present invention simultaneously enhances the usability and reliability of cryptocurrency transactions and provides the effect of significantly improving the user experience by enabling the practical use of cryptocurrency in various environments.

[0031] FIG. 1 is a diagram showing the connection relationship between a virtual currency trading brokerage device and other components according to one embodiment of the present invention.

[0032] FIG. 2 is a block diagram illustrating an example of a computer device according to one embodiment of the present invention.

[0033] FIG. 3 is a block diagram showing the configuration of a virtual currency trading brokerage device according to one embodiment of the present invention.

[0034] FIG. 4 is a flowchart for transmitting virtual currency after the purchase confirmation period has elapsed according to one embodiment of the present invention.

[0035] FIG. 5 is a flowchart showing the case where a buyer requests a purchase cancellation within the purchase confirmation period according to one embodiment of the present invention.

[0036] FIG. 6 is a diagram showing the configuration of an Automated Market Maker (AMM) according to one embodiment of the present invention.

[0037] FIG. 7 is a diagram illustrating Python code that implements an algorithm of an AMM according to one embodiment of the present invention.

[0038] Figure 8 is a diagram showing the execution results of the implemented Automated Market Maker (AMM) algorithm.

[0039] FIG. 9 is a flowchart illustrating an offline transaction process according to one embodiment of the present invention.

[0040] FIG. 10 is a flowchart illustrating a key process for ensuring offline transaction integrity and payment recovery according to an embodiment of the present invention.

[0041] FIG. 11 is a flowchart of a virtual currency transaction brokerage method performed by a virtual currency transaction brokerage device according to one embodiment of the present invention.

[0042] Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the attached drawings.

[0043] The embodiments of the present invention are provided to more fully explain the invention to those skilled in the art, and the following embodiments may be modified in various different forms, and the scope of the invention is not limited to the following embodiments. Rather, these embodiments are provided to make the disclosure more faithful and complete and to fully convey the spirit of the invention to those skilled in the art.

[0044] The various embodiments described herein may be implemented, for example, in a recording medium readable by a computer or similar device using software, hardware, or a combination thereof.

[0045] According to hardware implementation, the embodiments described herein may be implemented using at least one of ASICs (application specific integrated circuits), DSPs (digital signal processors), DSPDs (digital signal processing devices), PLDs (programmable logic devices), FPGAs (field programmable gate arrays), processors, controllers, microcontrollers, microprocessors, and electrical units for performing functions.

[0046] According to the software implementation, embodiments such as procedures or functions may be implemented together with separate software modules that perform at least one function or operation. The software code may be implemented by a software application written in a suitable programming language.

[0047] FIG. 1 is a diagram showing the connection relationship between a virtual currency transaction brokerage device (100) and other components according to one embodiment of the present invention. The virtual currency transaction brokerage device (100) is connected to various devices related to virtual currency transactions through a network.

[0048] First, the virtual currency transaction brokerage device (100) can coordinate and broker virtual currency transactions between a buyer and a seller. The virtual currency transaction brokerage device (100) receives and processes information from the buyer terminal (400) and the seller terminal (300) via a network, and stores or transmits necessary data or virtual currency.

[0049] The buyer terminal (400) is a device used by the buyer when purchasing goods using virtual currency, and a mobile device such as a smartphone is primarily used. The buyer terminal (400) generates a request to purchase goods and transmits the buyer's virtual currency account information and details related to the transaction to the virtual currency transaction brokerage device (100). Additionally, the buyer can check the transaction status or provide additional information through the terminal.

[0050] The seller terminal (300) is a device used by the seller to provide product information, monitor the transaction process, and perform activities related to virtual currency payment. The seller terminal (300) provides the seller's virtual currency account information to the virtual currency transaction brokerage device (100), and can receive the virtual currency after the transaction is completed. The seller terminal (300) can be implemented as a laptop, tablet, or other device capable of internet connection.

[0051] The network shown in FIG. 1 is a connecting medium that enables communication between a virtual currency transaction brokerage device (100), a buyer terminal (400), and a seller terminal (300). This network can be implemented in a wired or wireless form, and the Internet is primarily used. The network facilitates smooth data exchange between each device and ensures that transaction requests and processing results are transmitted quickly.

[0052] A virtual currency transaction brokerage device (100) receives a product purchase request and virtual currency payment information from a buyer terminal (400) and, based on this, transmits the payment information to a seller terminal (300) to broker a transaction between a buyer and a seller. In addition, to ensure the reliability and security of the transaction, it verifies and records data at each transaction stage.

[0053] FIG. 2 is a block diagram illustrating an example of a computer device (200) according to an embodiment of the present invention. The virtual currency trading brokerage device (100) described above can be implemented by the computer device (200) shown in FIG. 2, and the method according to embodiments of the present invention can be performed by such a computer device (200).

[0054] At this time, as illustrated in FIG. 2, the computer device (200) may include memory (210), a processor (220), a communication interface (230), and an input / output interface (240). The memory (210) is a computer-readable recording medium and may include a non-perishable mass storage device such as RAM (random access memory), ROM (read only memory), and a disk drive. Here, the non-perishable mass storage device such as ROM and the disk drive may be included in the computer device (200) as a separate permanent storage device distinct from the memory (210).

[0055] Additionally, an operating system and at least one program code may be stored in the memory (210). These software components may be loaded into the memory (210) from a computer-readable recording medium separate from the memory (210). This separate computer-readable recording medium may include computer-readable recording media such as a floppy drive, disk, tape, DVD / CD-ROM drive, or memory card. In another embodiment, the software components may be loaded into the memory (210) via a communication interface (230) rather than a computer-readable recording medium. For example, the software components may be loaded into the memory (210) of the computer device (100) based on a computer program installed by files received through the network (170).

[0056] The processor (220) may be configured to process instructions of a computer program by performing basic arithmetic, logic, and input / output operations. Instructions may be provided to the processor (220) via memory (210) or a communication interface (230). For example, the processor (220) may be configured to execute instructions received according to program code stored in a recording device such as memory (210).

[0057] The communication interface (230) may provide a function for the computer device (200) to communicate with other devices (e.g., storage devices described above) through the network (170). For example, requests, commands, data, files, etc. generated by the processor (220) of the computer device (200) according to program code stored in a recording device such as memory (210) may be transmitted to other devices through the network (170) under the control of the communication interface (230). Conversely, signals, commands, data, files, etc. from other devices may be received by the computer device (200) through the communication interface (230) of the computer device (200) via the network (170). Signals, commands, data, etc. received through the communication interface (230) may be transmitted to the processor (220) or memory (210), and files, etc. may be stored in a storage medium (the permanent storage device described above) that the computer device (200) may further include.

[0058] The input / output interface (240) may be a means for interfacing with an input / output device (250). For example, the input device may include a device such as a microphone, keyboard, camera, or mouse, and the output device may include a device such as a display or speaker. As another example, the input / output interface (240) may be a means for interfacing with a device in which the functions for input and output are integrated into one, such as a touchscreen. The input / output device (250) may be composed of a computer device (200) and a single device.

[0059] Additionally, in other embodiments, the computer device (200) may include fewer or more components than the components of FIG. 2. However, it is not necessary to clearly illustrate most of the prior art components. For example, the computer device (200) may be implemented to include at least some of the input / output devices (250) described above, or may include other components such as a transceiver, a database, etc.

[0060] FIG. 3 is a block diagram showing the configuration of a virtual currency transaction brokerage device (100) according to one embodiment of the present invention.

[0061] A virtual currency transaction brokerage device (100) efficiently and safely performs transactions using virtual currency, performs virtual currency transactions according to the buyer's request, and includes multiple components to handle various requests arising during the transaction process.

[0062] First, the product payment information acquisition unit (110) receives a product purchase request from a buyer and can acquire information related to the purchase. This includes the buyer's virtual currency account information, the purchased product information, and the seller's virtual currency account information. This information is essential to ensure subsequent payment processing and the accuracy of the transaction.

[0063] The payment amount calculation unit (120) calculates a virtual currency payment amount corresponding to the sales amount of the product based on the purchased product information transmitted from the product payment information acquisition unit (110). The function performed by the payment amount calculation unit (120) is necessary to ensure the clarity of the transaction, and the payment amount calculation unit (120) may additionally include a function to convert the amount into virtual currency units.

[0064] The virtual currency balance determination unit (130) can verify whether the calculated payment amount is sufficient for the transaction. The virtual currency balance determination unit (130) determines whether there is virtual currency in the buyer's virtual currency account that is greater than or equal to the calculated payment amount. This verification process is performed to ensure the safety and reliability of the transaction.

[0065] If the virtual currency balance determination unit (130) determines that there is a sufficient balance in the buyer's account, the first virtual currency transfer unit (140) is activated. The first virtual currency transfer unit (140) transfers virtual currency of the calculated payment amount from the buyer's virtual currency account to the transaction intermediary's virtual currency account. At this stage, the transaction is managed and coordinated in the intermediary's account.

[0066] After that, the second virtual currency transfer unit (150) transfers virtual currency from the transaction intermediary's virtual currency account to the seller's virtual currency account. This is a step to finally complete the transaction between the buyer and the seller. The connection between the first and second transfer units ensures the smooth processing of the transaction.

[0067] The store information provider (160) provides the buyer with information on transaction stores where virtual currency can be used. Through the transaction store information provided by the store information provider (160), the buyer can easily search for stores that support virtual currency payment and can check the location, name, notices, and virtual currency account information of the store. Accordingly, the practical utility of the buyer's virtual currency can be greatly increased.

[0068] An Automated Market Maker (AMM, 170) automatically determines the swap price of a cryptocurrency against the Korean Won based on the number of buyers and sellers. The AMM supports swap transactions between cryptocurrency and the Korean Won (or between cryptocurrency and multiple currencies such as the US Dollar) and enhances transaction reliability by stably managing price volatility. Furthermore, the AMM provides an efficient trading environment through automated computation.

[0069] The virtual currency trading intermediary device (100) ensures the efficiency and stability of the transaction through organic linkage between each component and maximizes user convenience. Through this, the present invention helps to perform virtual currency trading more safely and practically.

[0070] The specific functions of each component are explained in detail below.

[0071] [Product Payment Information Acquisition Unit (110)]

[0072] The product payment information acquisition unit (110) performs the role of collecting and processing essential information for transactions between a buyer and a seller. Regardless of whether the transaction target is a tangible item (e.g., electronic product) or an intangible item (e.g., interior construction service), the product payment information acquisition unit (110) systematically acquires information necessary for the transaction to increase the reliability and efficiency of virtual currency transactions.

[0073] First, to explain an example of a transaction involving tangible goods, consider the case where a buyer intends to purchase a specific electronic product, such as a smartphone. In this case, the product payment information acquisition unit (110) receives the buyer's request and then acquires information related to the transaction. The buyer's virtual currency account information includes the address of the digital wallet owned by the buyer, the type of virtual currency held in the account, and the balance. For example, assume that the buyer intends to make a payment in Bitcoin (BTC) and holds 0.05 BTC in the account. The product information for purchase includes a product name such as "Smartphone Model A" and the price of the product, in which case the price is set to 0.03 BTC. The seller's virtual currency account information is verified through the digital wallet address provided by the seller and may also be automatically detected via a QR code. In this process, the product payment information acquisition unit (110) accurately acquires the seller's account information (e.g., 1A2b3C4d5E6F) and completes the preparation for the transaction.

[0074] In the case of an intangible transaction, consider a situation where, for example, a buyer requests interior construction services. In this case as well, the product payment information acquisition unit (110) acquires information in the same manner. The buyer's virtual currency account information includes a digital wallet address and balance information, and if the buyer intends to make a payment using Ethereum (ETH), it can be assumed that 2.0 ETH is held in the account. The purchase service information includes details and prices of the requested service, for example, a service called "living room and kitchen remodeling" and the corresponding quoted amount of 1.5 ETH. The seller's virtual currency account information is verified through a digital wallet address provided by the interior company that is the seller, which may be provided via a QR code or a contract. In this process, the seller's account address (e.g., 0xAbCdEf123456) is acquired.

[0075] The product payment information acquisition unit (110) accurately acquires all necessary information during the transaction process of such tangible and intangible goods, thereby supporting the calculation of payment amounts and transaction processing in subsequent stages. This increases the efficiency of the transaction and provides a transaction environment that both the buyer and the seller can trust.

[0076] [Payment amount calculation unit (120)]

[0077] The payment amount calculation unit (120) can calculate the amount of virtual currency that the buyer must pay based on the information provided by the product payment information acquisition unit (110). The payment amount calculation unit (120) accurately calculates the transaction amount of the product or service and includes a conversion function between the Korean Won and virtual currency to enhance the practicality and convenience of virtual currency transactions.

[0078] The payment amount calculation unit (120) can calculate the quantity of virtual currency corresponding to the won price when the buyer provides the won price of the goods or services to be traded. This includes a function to calculate the amount of virtual currency to be used by the buyer for payment by reflecting real-time exchange rate information between virtual currency and won. This function applies equally to transactions of tangible goods (e.g., electronic products) and intangible goods (e.g., services). Additionally, the payment amount calculation unit (120) can calculate the quantity of virtual currency corresponding to the price of the other currency when the buyer provides the price of the goods or services to be traded in another currency.

[0079] For example, in the case of purchasing a tangible item, assume that the buyer intends to purchase a specific smartphone (e.g., smartphone model A). The product payment information acquisition unit (110) provides information that the price of the smartphone in Korean Won is set to 1,200,000 Won. The payment amount calculation unit (120) calculates the virtual currency payment amount through the following process.

[0080] (1) Check real-time exchange rate information to get the exchange rate between the Korean Won and Bitcoin (BTC). In this example, 1 BTC = 140,000,000 Won, so 1 Won corresponds to 0.00000000714 BTC.

[0081] (2) The payment amount is calculated by multiplying the price of the smartphone in Korean Won (1,200,000 Won) by the exchange rate (0.00000000714 BTC). In this case, the payment amount of the smartphone in virtual currency is calculated as 0.008568 BTC.

[0082] (3) If necessary, the final payment amount is recalculated including additional costs (e.g., shipping fee of 10,000 won). In this case, the final amount including shipping fee is 1,210,000 won, and the corresponding cryptocurrency payment amount is calculated as 0.008643 BTC.

[0083] For example, in the case of purchasing intangible goods, assume that the buyer requests interior construction services such as living room and kitchen remodeling. The product payment information acquisition unit (110) sets the price of the service in Korean Won to 6,000,000 Won and provides it. The payment amount calculation unit (120) calculates the virtual currency payment amount through the following steps.

[0084] (1) Check real-time exchange rate information to get the exchange rate between Korean Won and Ethereum (ETH). In this example, since 1 ETH = 5,000,000 Won, 1 Won is equivalent to 0.0000002 ETH.

[0085] (2) The payment amount is calculated by multiplying the price of the service in Korean Won (6,000,000 Won) by the exchange rate (0.0000002 ETH). In this case, the virtual currency payment amount for the remodeling service is calculated as 1.2 ETH.

[0086] (3) If necessary, the final amount is recalculated including additional costs (e.g., travel expenses of 200,000 won). In this case, the final payment amount is 6,200,000 won, and the corresponding cryptocurrency payment amount is converted to 1.24 ETH.

[0087] The payment amount calculation unit (120) calculates an accurate virtual currency amount based on the price of goods or services in Korean Won and real-time exchange rate information. As in the example, the buyer can choose to pay with a specific virtual currency such as Bitcoin (BTC) or Ethereum (ETH), and the payment amount calculation unit (120) calculates the amount the buyer must pay through the exchange rate conversion between the Korean Won and the virtual currency.

[0088] The amount calculated during this process is transmitted to the virtual currency balance determination unit (130) to verify whether there is a sufficient balance in the buyer's account, and to ensure that the transaction proceeds safely.

[0089] [Virtual currency balance determination unit (130)]

[0090] The virtual currency balance determination unit (130) can determine whether the buyer has a sufficient virtual currency balance to perform a transaction. The virtual currency balance determination unit (130) can determine the buyer's account status based on the virtual currency payment amount calculated by the payment amount calculation unit (120).

[0091] To explain with an example of a transaction involving a tangible product (e.g., an electronic product), assume a situation where a buyer intends to purchase a smartphone, which is an electronic product. The product payment information acquisition unit (110) provides the price of the smartphone in Korean Won (1,200,000 Won), and the payment amount calculation unit (120) calculates the virtual currency payment amount by applying a real-time exchange rate based on this price. If the exchange rate is 1 BTC = 140,000,000 Won, the payment amount for the smartphone is calculated as 0.008568 BTC. The virtual currency balance determination unit (130) verifies the buyer's account through the following steps.

[0092] (1) Obtain the buyer's virtual currency account information. For example, assume that the buyer's account currently holds 0.01 BTC.

[0093] (2) Compare the payment amount (0.008568 BTC) with the buyer's account balance (0.01 BTC).

[0094] (3) When it is confirmed that the buyer's balance is greater than or equal to the payment amount, the balance determination is set to "sufficient." In this case, the transaction is approved, and processing is passed to the next step, the first virtual currency transfer unit (140).

[0095] (4) If the buyer's account is assumed to have only 0.008 BTC, the balance is determined to be insufficient, and a message is sent to the user indicating insufficient balance to stop the transaction or request to top up the balance.

[0096] To explain the transaction of an intangible item (e.g., interior construction service), if a buyer requests a remodeling service for a living room and kitchen, the product payment information acquisition unit (110) provides the price of the service in Korean Won (6,000,000 Won), and the payment amount calculation unit (120) converts this into virtual currency. If the exchange rate is 1 ETH = 5,000,000 Won, the payment amount for the remodeling service is calculated as 1.2 ETH. The virtual currency balance determination unit (130) verifies the buyer's account through the following process.

[0097] (1) Check the buyer's cryptocurrency account information. For example, assume that the buyer's account currently holds 1.5 ETH.

[0098] (2) Compare the payment amount (1.2 ETH) with the buyer's account balance (1.5 ETH).

[0099] (3) If the balance is sufficient, the transaction is approved and the processing is transferred to the next step, the first virtual currency transfer unit (140).

[0100] (4) If the buyer's account has only 1.0 ETH, the transaction is stopped due to insufficient balance, and a message is sent to the user regarding the insufficient balance.

[0101] The virtual currency balance determination unit (130) ensures the stability and reliability of the transaction by determining whether the buyer possesses sufficient assets to perform virtual currency payment. In addition, in the event of a balance shortage, it provides flexibility by offering the user options to top up or cancel the transaction.

[0102] [First virtual currency transfer unit (140)]

[0103] The first virtual currency transfer unit (140) can transfer virtual currency from the buyer's virtual currency account to the transaction intermediary's virtual currency account when it is determined that the buyer's account balance is greater than or equal to the payment amount. The first virtual currency transfer unit (140) processes the first transfer of virtual currency during the transaction process and guarantees the accuracy and safety of the transaction.

[0104] To explain with an example of a transaction involving a tangible product (e.g., electronic product), assuming a situation where a buyer intends to purchase a smartphone, the payment amount for the smartphone is calculated as 0.008568 BTC by the product payment information acquisition unit (110) and the payment amount calculation unit (120), and the virtual currency balance determination unit (130) confirms that there is 0.01 BTC in the buyer's account. In this case, the first virtual currency transmission unit (140) transmits the virtual currency through the following process.

[0105] (1) Withdraw 0.008568 BTC from the buyer's cryptocurrency account.

[0106] (2) Transfer the withdrawn virtual currency to the trading intermediary's virtual currency account. For example, assuming the trading intermediary's account address is 1XyZ345AbCDeFg, the exact amount (0.008568 BTC) is transferred to that account.

[0107] (3) During the transmission process, the transaction is recorded through the blockchain network, and the completion of the transmission is confirmed.

[0108] (4) When the transmission is complete, provide the buyer with a transmission completion message and inform them that the transaction is proceeding normally.

[0109] To explain with an example of a transaction for an intangible item (e.g., interior construction service), assuming a situation where a buyer requests a remodeling service for a living room and kitchen, the payment amount calculation unit (120) calculates the payment amount for the service as 1.2 ETH, and the virtual currency balance determination unit (130) confirms that there is 1.5 ETH in the buyer's account. In this case, the first virtual currency transfer unit (140) performs the following steps.

[0110] (1) Withdraw 1.2 ETH from the buyer's cryptocurrency account.

[0111] (2) Transfer the withdrawn virtual currency to the trading intermediary's virtual currency account. For example, assuming the trading intermediary's account address is 0xAaBbCc123456, the exact amount (1.2 ETH) is transferred to that account.

[0112] (3) During the transmission process, transaction details are recorded on the blockchain network, and whether the transmission is completed is confirmed.

[0113] (4) Once the transmission is successfully completed, a confirmation message is sent to the buyer to inform them that the transaction is still in progress.

[0114] The first virtual currency transfer unit (140) transfers virtual currency from the buyer's account to the transaction intermediary's account and manages the intermediary's account for the final transfer to the seller's account. This enables indirect transactions through an intermediary rather than direct transfer of virtual currency between the buyer and seller, thereby ensuring the stability and reliability of the transaction.

[0115] [Second virtual currency transfer unit (150)]

[0116] The second virtual currency transfer unit (150) can transfer payment from the transaction intermediary's virtual currency account to the seller's virtual currency account. The second virtual currency transfer unit (150) can finally complete the transaction by delivering the amount to the seller after the buyer's virtual currency is successfully transferred to the transaction intermediary's account in the first virtual currency transfer unit (140).

[0117] To explain with an example of a transaction involving tangible goods (e.g., electronic products), assuming a situation where a buyer purchases a smartphone, it is assumed that 0.008568 BTC is transferred from the buyer's account to the transaction intermediary's account through the first virtual currency transfer unit (140). Once this process is completed, the second virtual currency transfer unit (150) transfers the payment to the seller through the following steps.

[0118] (1) Withdraw 0.008568 BTC from the trading broker's account.

[0119] (2) Transfer the amount to the cryptocurrency account address provided by the seller. For example, if the seller's account address is 1XyZ123AbCDeFg, exactly 0.008568 BTC is transferred to this address.

[0120] (3) The transmission process is carried out through a blockchain network, and transaction details are recorded in a distributed ledger.

[0121] (4) Once the transmission is complete, a payment completion message is sent to the seller, and the buyer is also notified of the transaction completion status.

[0122] In this process, if a brokerage fee is applied, for example, if a 2% fee is charged, the amount actually received by the seller is 0.008396 BTC, which is 0.008568 BTC minus 2%.

[0123] To explain with an example of a transaction involving an intangible item (e.g., interior construction service), assuming a situation where a buyer requests living room and kitchen remodeling services, it is assumed that 1.2 ETH is successfully transferred from the buyer's account to the transaction intermediary's account through the first virtual currency transfer unit (140). The second virtual currency transfer unit (150) delivers the corresponding amount to the seller (interior company) through the following process.

[0124] (1) Withdraw 1.2 ETH from the trading broker's account.

[0125] (2) Transfer the amount to the cryptocurrency account address provided by the seller. For example, if the seller's account address is 0xAaBb123456CcDd, exactly 1.2 ETH will be transferred to this address.

[0126] (3) Transaction history is recorded through the transmission process on the blockchain network, and the completion of the transmission is confirmed.

[0127] (4) When the transmission is successfully completed, provide a payment completion message to the seller and notify the buyer that the transaction has been completed.

[0128] If a fee applies, for example, if a 3% brokerage fee is charged, the amount the seller actually receives is 1.164 ETH after deducting 3% from 1.2 ETH.

[0129] The second virtual currency transfer unit (150) completes the transaction by finally delivering the virtual currency paid by the buyer to the seller through a transaction intermediary. The second virtual currency transfer unit (150) adjusts the transfer amount by deducting the intermediary fee and can ensure the transparency and reliability of the transaction by recording the transaction details on the blockchain.

[0130] The second virtual currency transfer unit (150) may be configured so that the seller bears the fee when transferring virtual currency from the transaction intermediary's account to the seller's account. As a result, the buyer does not bear additional costs through virtual currency payment, and the seller can pay a fair cost for the transaction intermediary service provided by the intermediary.

[0131] The virtual currency transfer process is carried out as follows. First, the second virtual currency transfer unit (150) calculates the final amount to be transferred to the seller by applying a pre-set brokerage fee rate based on the payment amount. For example, if the transaction amount is 1.0 BTC and the brokerage fee rate is set to 2%, the amount actually received by the seller is 0.98 BTC, which is 1.0 BTC minus 2%. The deducted 0.02 BTC remains in the transaction broker's account and is processed as a brokerage fee. Additionally, the brokerage fee may include a gas fee paid to the blockchain network when transferring virtual currency.

[0132] In this process, the second virtual currency transfer unit (150) records the transaction amount, the fee rate, and the amount transferred after deduction on the blockchain network, thereby ensuring the transparency and reliability of the transaction. The seller and the buyer can verify the fairness of the transaction by clearly recording all amounts generated during the transaction process.

[0133] The method of deducting brokerage fees contributes to increasing the efficiency of cryptocurrency transactions. Buyers can purchase goods or services without having to pay separate fees, and sellers pay fair compensation for the transaction services provided by the intermediary. Furthermore, by recording brokerage fees on the blockchain, the reliability and transparency of transactions can be maintained.

[0134] [Store Information Provision Department (160)]

[0135] The store information provision unit (160) can provide store information where a buyer can make a transaction using virtual currency. The store information provision unit (160) is provided for user convenience, and thereby the practical usability of the virtual currency payment system can be improved.

[0136] The store information providing unit (160) processes information requested through the buyer's terminal and provides the location and detailed information of the store where virtual currency transactions are possible. Specifically, the store information providing unit (160) includes the following data.

[0137] - Store Location Information: The locations of stores that accept cryptocurrency payments are displayed on a map. Users can easily check stores in a specific area where cryptocurrency can be used via smartphone or computer. For example, if a user searches for stores in Gangnam-gu, Seoul, stores in that area that support cryptocurrency payments are displayed on the map as pins.

[0138] - Business Information: Clicking on a store on the map provides detailed information such as the store name, photos, announcements, and cryptocurrency account details. For example, if a specific store is registered under the name "ABC Electronics Mall," an exterior photo of the store is displayed along with announcements (e.g., "Cryptocurrency payments accepted: BTC, ETH supported").

[0139] The store information provider (160) provides real-time updated information to the buyer, making virtual currency usage more convenient. For example, if a specific store temporarily does not support virtual currency payment, this can be notified to the user through a notice. Additionally, the buyer can simply complete the payment preparation by copying the store's virtual currency account information or scanning a QR code.

[0140] The store information provider (160) goes beyond simply displaying information and includes a function to help the user efficiently search for the stores they need. The user can find the desired stores by selecting a category (e.g., electronics, restaurants, clothing stores, etc.) or by searching for a specific area. For example, if the user applies a filter with the condition "Ethereum payment available," only stores that meet that condition are displayed on the map.

[0141] This store information provision feature revitalizes the cryptocurrency trading ecosystem and offers practical convenience to users. Buyers can easily use their cryptocurrencies in real life, while stores can attract additional customers by adopting cryptocurrencies as a payment method.

[0142] FIG. 4 is a flowchart for transmitting virtual currency after the expiration of a purchase confirmation period according to an embodiment of the present invention. FIG. 4 describes the process of processing a transaction based on a purchase confirmation period in steps and shows the main process from receiving a product purchase request from a buyer to transmitting virtual currency to a seller.

[0143] First, in step S410, a purchase request from a buyer is received. During this process, the buyer provides information related to the product or service they wish to purchase, and the product payment information acquisition unit (110) processes this. The purchase request includes the buyer's virtual currency account information, information on the product to be purchased, information on the seller's virtual currency account information, and information on the purchase confirmation period.

[0144] While the buyer may input purchased product information and the seller's cryptocurrency account details based on data provided by the seller, this information can also be automatically detected using a QR code provided by the seller for more efficient and accurate processing. For example, if the seller provides a QR code on the product page or receipt, the buyer scans the code to instantly obtain product details (e.g., product name, price) and the seller's cryptocurrency account information (e.g., digital wallet address). This QR code-based information detection method prevents data entry errors, simplifies the transaction process, and enhances efficiency.

[0145] Next, in step S420, the purchase confirmation period included in the product purchase request is detected. The purchase confirmation period refers to the time allowed for the buyer to confirm the purchase of the product or service. This period is set to a specific time unit (e.g., 24 hours, 7 days, etc.) and provides the buyer with the option to submit a purchase cancellation request within that period.

[0146] In step S430, the transaction is finally executed if the buyer does not submit a request for cancellation within the purchase confirmation period or if the purchase confirmation period has expired. In this step, the second virtual currency transfer unit (150) transfers virtual currency corresponding to the payment amount from the transaction intermediary's virtual currency account to the seller's virtual currency account. For example, if the buyer makes a payment with 1.2 ETH and there is no request for cancellation within the purchase confirmation period, 1.2 ETH (or an amount minus the intermediary fee) is transferred to the seller's virtual currency account. This process is transparently recorded through a blockchain network, thereby ensuring the security of the transaction.

[0147] FIG. 5 is a flowchart illustrating the case where a buyer requests to cancel a purchase within the purchase confirmation period according to an embodiment of the present invention. FIG. 5 explains, step-by-step, the processing steps in a situation where the buyer cancels the purchase or needs to adjust the transaction amount and the return amount within the purchase confirmation period. This flowchart describes a mechanism for adjusting the transaction based on mutual agreement between the buyer and the seller, and for ensuring the reliability and fairness of the transaction.

[0148] Steps S510 and S520 are identical to steps S410 and S420 of FIG. 4, and a description thereof is omitted.

[0149] In Step S530, if the buyer submits a request to cancel the purchase within the purchase confirmation period, the transaction amount and the refund amount are adjusted through mutual agreement between the buyer and the seller. For example, if the buyer wishes to return a portion of the goods or cancel a portion of the service, the buyer and the seller consult with each other to determine the final transaction amount and the amount to be returned to the buyer. In this process, the cryptocurrency amount is adjusted based on the exchange rate and transaction details. For example, if the original transaction amount was 1.5 ETH and 0.5 ETH needs to be returned due to the partial cancellation, the final transaction amount is adjusted to 1.0 ETH, and 0.5 ETH is returned to the buyer's account.

[0150] If the buyer and seller are unable to reach an agreement, a transaction intermediary may mediate the adjustment of the transaction amount and the return amount, and the transaction amount and return amount adjusted through arbitration may be configured for mutual approval by the buyer and seller. The transaction amount and return amount approved by the buyer and seller through arbitration may be determined as the final adjusted transaction amount and return amount. In this case, a prescribed arbitration fee may be provided to the transaction intermediary who conducted the arbitration. The arbitration fee may be deducted from the return amount to be obtained by the buyer and the transaction amount to be obtained by the seller.

[0151] Finally, in step S540, the adjusted transaction amount and the return amount are processed, respectively. The second virtual currency transfer unit (150) transfers the adjusted transaction amount to the seller's virtual currency account and transfers the amount to be returned to the buyer to the buyer's virtual currency account. For example, if the final transaction amount is determined to be 1.0 ETH and the return amount is set to 0.5 ETH, the seller receives 1.0 ETH, and the buyer receives 0.5 ETH back into their account. All of these processes are transparently recorded through a blockchain network, thereby ensuring the safety and reliability of the transaction.

[0152] According to the disclosure of the present invention according to FIG. 5, even in situations where a buyer needs to cancel or adjust a transaction, the transaction can be completed through mutual agreement, thereby providing a transaction experience with flexibility and reliability.

[0153] FIG. 6 is a diagram showing the configuration of an Automated Market Maker (AMM, 170) according to an embodiment of the present invention. FIG. 6 shows a plurality of modules included in the AMM (170) to efficiently perform swap transactions between a virtual currency and the Korean Won (or other currency). The AMM (170) operates each module organically to maintain liquidity in the virtual currency market and ensure the stability of transaction prices.

[0154] Unlike traditional centralized exchanges, an Automated Market Maker (AMM) is a decentralized market-making technology that automatically processes transactions through blockchain-based smart contracts, rather than requiring direct transactions between buyers and sellers. AMMs are designed to automatically execute swap transactions between cryptocurrencies and Korean Won, or between cryptocurrencies themselves, thereby ensuring market liquidity and improving trading efficiency.

[0155] AMMs operate based on algorithms that automatically adjust prices according to supply and demand. In this process, buyers and sellers execute trades according to pre-set formulas, and market prices can be adjusted in real time based on buying and selling volumes, as well as market conditions. Through this, AMMs simplify the price discovery process and support fair trading without the need for intermediaries. The key features of AMMs are as follows.

[0156] - Smart Contract-Based Trading: AMMs automatically process buy and sell requests through smart contracts. This enables trading without intermediaries, making the transaction process completely transparent and automated. Since smart contracts operate according to predefined rules, trust issues between users are minimized.

[0157] - Liquidity Pool: AMMs utilize liquidity pools to maintain liquidity. Liquidity pools consist of funds voluntarily provided by users rather than the exchange, and trade requests are processed using these pool funds. This method differentiates itself from traditional order book-based trading by providing an environment where trades can be executed at any time.

[0158] - Dynamic Price Adjustment: AMMs dynamically adjust prices based on supply and demand. For example, if the buying volume exceeds the selling volume, the price rises, and conversely, if the selling volume exceeds the buying volume, the price falls. These price adjustments are performed automatically by the AMM's algorithms.

[0159] - Decentralization and Transparency: Since AMMs operate on a blockchain network, there is no centralized administrator. All transaction records are stored on a distributed ledger, and anyone can verify the transaction history. This ensures the transparency and reliability of transactions.

[0160] Each module included in the AMM (170) is described in detail below.

[0161] The first computation module (171) performs the role of calculating the increase in the price of the cryptocurrency based on the number of buyers and the purchase quantity. If there are many buyers or the purchase quantity increases, the price increase is dynamically calculated according to the increase in demand. For example, if there are 20 buyers and the total purchase quantity is 100 VC1, the first computation module performs a calculation to increase the existing base price of the cryptocurrency by a certain ratio. This module maintains stability by applying a value inversely proportional to the total number of buyers and the purchase quantity so that the price increase is not excessive.

[0162] The second computation module (172) calculates the amount of price drop of the cryptocurrency based on the number of sellers and the volume of sales. If there are many sellers or the volume of sales increases, the amount of price drop is dynamically calculated according to the increase in supply. For example, if there are 30 sellers and the total volume of sales is 200 VC1, the second computation module performs a calculation to reduce the existing base price of the cryptocurrency by a certain ratio. This module limits the extent of the price drop in inverse proportion to the total number of sellers and the volume of sales.

[0163] The control module (173) controls the amount of price fluctuation caused by buying and selling so that it does not exceed a preset maximum percentage (e.g., 5%, 10%, etc.) of the previous day's closing price. This setting is designed to mitigate rapid market volatility and provide a stable trading environment. The control module (173) dynamically adjusts the maximum fluctuation rate by analyzing market conditions and historical statistical data. For example, even if trading volume surges at a certain point in time, the control module can maintain price stability by limiting the fluctuation rate.

[0164] The time-based initialization module (174) resets the transaction data of the buyer and seller whenever a preset time period (e.g., 24 hours) has elapsed, thereby starting a new price fluctuation cycle. This prevents market distortions that may occur due to accumulated transaction data and maintains a fair trading environment. For example, after resetting data that has been traded intensively during the day, the price can be adjusted according to new transaction data.

[0165] The swap execution module (175) performs a swap transaction between virtual currency VC1 and Korean Won (or other currency) based on the prices calculated by the first computation module (171) and the second computation module (172). When a user wants to exchange VC1 for Korean Won or exchange Korean Won for VC1, the swap execution module completes the transaction by applying the swap price calculated in real time. For example, when a user wants to exchange 5 VC1 for Korean Won, if the current swap price of VC1 is 140,000,000 Won, the user receives 700,000,000 Won. All of these transaction details are recorded on the blockchain network to ensure transparency and reliability.

[0166] FIG. 7 is a diagram illustrating Python code implementing an algorithm of an AMM according to an embodiment of the present invention. FIG. 7 explains the price adjustment mechanism of an Automated Market Maker (AMM) and shows an algorithm that dynamically adjusts the price of a cryptocurrency based on the actions of buyers and sellers. The main components of this code consist of initial setup, daily limit initialization, calculation of price rises and falls, and buy and sell simulations. This algorithm automatically adjusts the price of the cryptocurrency according to market supply and demand and manages market volatility. The classes and methods of the Python code in FIG. 7 are described in detail below.

[0167] (1) Class initialization: _init_ method

[0168] The CryptoPriceAlgorithm class implements a cryptocurrency price adjustment algorithm and initializes the cryptocurrency's base price, initial supply, current price, number of buyers and sellers, and daily maximum fluctuation rate during the initial setup phase.

[0169] -base_price: Sets the base price of the cryptocurrency and serves as the basis for price calculations.

[0170] -initial_supply: Represents the initial supply of cryptocurrency.

[0171] -current_price: The current price is initialized to the default price.

[0172] -total_buyers and total_sellers: Track the number of buyers and sellers to date, respectively.

[0173] -max_daily_change_rate: Limits price volatility by setting the maximum daily price change rate (e.g., 5%).

[0174] -last_reset_time: Records the time when the number of buyers and sellers was last reset.

[0175] (2) Reset daily limit: reset_daily_limits method

[0176] This method initializes the buyer and seller data in a 24-hour cycle.

[0177] -current_time: Checks the current time and compares it with the last initialization time.

[0178] - Condition: After 24 hours (86,400 seconds), initialize the number of buyers (total_buyers) and sellers (total_sellers) to 0.

[0179] This initialization restarts market data to prevent distortion caused by past data.

[0180] (3) Calculate price increase: calculate_price_increase method

[0181] Calculate the increase in the cryptocurrency price based on the number of buyers (total_buyers).

[0182] - Calculation formula: base_price * (1 / (1 + total_buyers))

[0183] It is designed so that the rate of price increase decreases as the number of buyers increases. This reflects the economic principle that as the number of buyers increases, demand approaches saturation.

[0184] (4) Calculate price decrease: calculate_price_decrease method

[0185] Calculate the amount of price drop of the cryptocurrency based on the number of sellers (total_sellers).

[0186] - Calculation formula: base_price * (1 / (1 + total_sellers))

[0187] It is designed so that the magnitude of the price decline decreases as the number of sellers increases. This reflects a market equilibrium where downward price pressure decreases as the number of sellers increases.

[0188] (5) Buy simulation: buy method

[0189] This is a method that handles price fluctuations when a purchase action occurs.

[0190] - Call to reset daily limit: Check if it is necessary to reset the daily buyer count before trading.

[0191] - Increase in number of buyers: One buyer is added.

[0192] - Calculation of price increase: Calculate the increase using the calculate_price_increase method and adjust it proportionally to the purchase quantity and initial supply.

[0193] - Apply maximum change rate: Limits the increase so that it does not exceed the daily maximum change rate (max_daily_change_rate).

[0194] - Current Price Update: Updates the current price to reflect the increase.

[0195] (6) Selling simulation: sell method

[0196] This is a method that handles price fluctuations when a sell action occurs.

[0197] - Call to reset daily limit: Check if it is necessary to reset the daily seller count before trading.

[0198] - Increase number of sellers: 1 seller is added.

[0199] - Calculation of price decrease: Calculate the decrease using the calculate_price_decrease method and adjust it proportionally to the selling quantity and initial supply.

[0200] - Application of maximum fluctuation rate: Limits the decline so that it does not exceed the daily maximum fluctuation rate.

[0201] - Current Price Update: Updates the current price by reflecting the decrease.

[0202] Prices are dynamically adjusted based on buy and sell data, and market volatility is mitigated by a maximum fluctuation limit.

[0203] According to this AMM algorithm, prices are updated immediately whenever buy or sell actions occur, allowing them to reflect market data. Additionally, data is reset every 24 hours to prevent market distortion.

[0204] Figure 8 is a diagram showing the execution results of the Automated Market Maker (AMM) algorithm implemented in Figure 7. This result illustrates the process in which the price of a cryptocurrency is dynamically adjusted as buyers and sellers sequentially execute transactions. The initial price is set to 100, and the price gradually rises or falls as buying and selling are repeated. This result explains the core principle of the AMM algorithm, in which the price is automatically adjusted according to changes in supply and demand.

[0205] First, the initial price is set to 100. This price represents the base price of the cryptocurrency defined as base_price and fluctuates in real-time based on buying and selling activities. After the first buyer purchases the cryptocurrency, the price rises slightly to 100.10. This reflects the increase in demand caused by the purchase, and the price increase is calculated dynamically based on the number of buyers and the purchase quantity. When a second buyer performs an additional transaction, the price rises further to 100.15. Subsequently, the price gradually increases with each additional buyer, reaching 100.28 when the fifth buyer completes their transaction. The reason the magnitude of the price increase gradually diminishes as the number of buyers increases is that the algorithm is designed to limit price volatility by reflecting demand saturation.

[0206] After buying, selling activity proceeds. When the first seller executes a transaction, the price drops to 100.23. This reflects the increase in supply caused by selling activity. When a second seller executes an additional transaction, the price drops further to 100.18. Subsequently, the price continues to fall gradually with each additional seller, reaching 100.06 when the fifth seller completes a transaction. The reason the magnitude of the price drop gradually decreases as the number of sellers increases is that the algorithm is designed to reduce the impact of increased supply.

[0207] Price fluctuations are limited during repeated buying and selling, as price increases and decreases are controlled by the daily maximum fluctuation rate (5%) set in the code. Buying and selling activities adjust prices by reflecting supply and demand, respectively, and price changes occur gradually to maintain market stability.

[0208] Price fluctuations remain stable even with continuous buying and selling, and this gradual adjustment method contributes to maintaining market equilibrium. Furthermore, since prices are adjusted in real-time to reflect the impact of transactions whenever buyers or sellers are added, the fair price discovery process is carried out in an automated manner.

[0209] FIG. 9 is a flowchart illustrating an offline transaction process according to an embodiment of the present invention. FIG. 9 explains the process of a buyer purchasing goods using virtual currency even when not connected to a network.

[0210] In step S910, the buyer performs the process of purchasing a product through an offline transaction using a terminal. Virtual currency account information and product purchase information are stored in the buyer's terminal, which has a client application (mobile app) of the virtual currency transaction brokerage device (100) installed, and based on this, the buyer can generate a product purchase request without a network connection. In this step, the buyer checks the product information provided by the seller and proceeds with the transaction using the information stored in the terminal. For example, the buyer can complete the transaction after scanning the QR code provided by the seller to check the product information and payment amount.

[0211] This assumes a case where a buyer intends to purchase a beverage at a cafe that accepts cryptocurrency payments, and the buyer's smartphone is not connected to the internet (offline state).

[0212] After checking the menu at the cafe, the buyer selects an Americano. The seller provides a QR code containing the product information and price (e.g., 0.002 VC1) of the Americano. The buyer scans the QR code with their smartphone to check the product information.

[0213] A client application of a virtual currency transaction brokerage device (100) is installed on the buyer's terminal, and data related to virtual currency account information is already stored. Product information (product name: Americano, price: 0.002 VC1) scanned via a QR code is verified on the buyer's terminal. After verifying the information, the buyer creates a payment request.

[0214] Since the network is not connected, the buyer's terminal temporarily stores the generated transaction information in a local database. This includes the name of the purchased product, the price (0.002 VC1), and the seller's cryptocurrency account information. This information is preserved so that the transaction can be completed when the network is restored.

[0215] The buyer's terminal stores transaction information in a local database and notifies the seller's terminal of the completion status of the payment request. The seller can provide the product (Americano) after confirming that the buyer has successfully processed the payment information provided via the QR code.

[0216] In one embodiment, the buyer's terminal can process and store the following data.

[0217] - Purchased Product Info: Americano (Product Name), 0.002 VC1 (Price)

[0218] - Seller Information: Seller's cryptocurrency account address (e.g., 1A2B3C4D...)

[0219] - Transaction Status: Payment request created (offline), pending payment

[0220] - Timestamp: Transaction creation time and date (e.g., 2025-01-14 10:30 AM)

[0221] All of this data is stored locally on the buyer's device and is ready to be processed upon reconnecting to the network.

[0222] The buyer can purchase goods using virtual currency regardless of network connection status, and the seller provides the goods after confirming that the transaction request has been completed. The seller understands that the actual transfer of virtual currency is completed after network restoration, and proceeds with the transaction by trusting the services provided by the buyer and the virtual currency transaction intermediary device (100).

[0223] In step S920, withdrawals from the buyer's cryptocurrency account are suspended when the buyer's terminal is not connected to the network. This step is a security measure to prevent unauthorized use of the cryptocurrency account or data loss while there is no network connection. The buyer's terminal temporarily stores transaction data locally, and withdrawal or additional transaction requests are restricted until the network connection is restored.

[0224] In step S930, the transfer of virtual currency takes place when the buyer's terminal reconnects to the network. After reconnecting to the network, the transaction data temporarily stored on the terminal is transferred to the transaction intermediary's virtual currency account. During this process, the payment amount for the goods purchased by the buyer is withdrawn from the buyer's virtual currency account and safely transferred to the transaction intermediary's account. Subsequently, the payment amount is transferred from the transaction intermediary's account to the seller's virtual currency account, thereby finally completing the transaction. The transfer from the transaction intermediary's account to the seller's account may be executed after the transaction confirmation period has elapsed.

[0225] In step S940, offline transaction records are recorded in the blockchain distributed ledger upon reconnection to the network. This is a process to ensure the transparency and immutability of the transaction records. When the network connection is restored, synchronization is achieved between the buyer terminal and the virtual currency transaction brokerage device (100), and all transaction data is registered on the blockchain. This enhances the reliability and security of the transaction, and allows both parties to the transaction (buyer and seller) to clearly verify the transaction status.

[0226] The offline transaction process illustrated in FIG. 9 enables stable and secure cryptocurrency transactions even in situations where network connectivity is limited. By expanding the usability of cryptocurrency in an offline environment, the present invention significantly improves the user experience and can ensure the transparency and reliability of transactions by synchronizing transaction data with a blockchain.

[0227] FIG. 10 is a flowchart illustrating a key process for ensuring offline transaction integrity and payment recovery according to an embodiment of the present invention. The present invention enables virtual currency transactions to be conducted safely even in an offline state and provides a security mechanism for the recovery of transaction payments. This process includes generating and signing transaction information (step S1010), encrypting transaction information and issuing a voucher (step S1020), submitting and verifying the voucher by the seller (step S1030), and synchronizing after reconnecting to the network (step S1040). Each step is described in detail below.

[0228] [Generation of offline transaction information and signing (Step S1010)]

[0229] In step S1010, when a buyer requests to purchase a product while offline, transaction information is generated on the buyer's terminal. The transaction information may include product information (e.g., product name, price), seller information (cryptocurrency account), the buyer's cryptocurrency account information, and a timestamp.

[0230] The generated transaction information is digitally signed with the buyer's private key. This signature guarantees the integrity of the transaction data and serves as a means of authentication to verify that the data has not been tampered with.

[0231] For example, when a buyer purchases a beverage at a convenience store, the terminal scans the QR code to obtain product information, generates transaction data based on that information, and then performs a signature.

[0232] [Transaction Information Encryption and Voucher Issuance (Step S1020)]

[0233] Signed transaction information is encrypted to enhance security. The terminal stores the encrypted data in local storage and simultaneously issues a payment voucher to be provided to the merchant.

[0234] The voucher contains signed transaction information and serves as proof that the seller can recover the transaction amount. Through the issuance of a voucher, the transaction can be recognized as valid even in an offline setting.

[0235] In this stage, transaction information is protected from the outside using encryption algorithms (AES, RSA, etc.), and the seller securely receives the voucher.

[0236] [Seller's Voucher Submission and Verification (Step S1030)]

[0237] The seller submits the voucher to an intermediary server or blockchain node while connected to the network. The intermediary server verifies the signature included in the voucher to confirm that the transaction data has not been tampered with. If the signature is valid, the intermediary server approves the transaction and transfers the transaction amount to the seller via an escrow account or funds pre-deposited by the buyer. This allows the seller to immediately recover the transaction amount even if the buyer is not connected to the network for an extended period.

[0238] For example, when a convenience store employee submits a voucher to an intermediary server, the server can verify the buyer's signature and transfer the payment to the seller's account.

[0239] [Synchronization after network reconnection (Step S1040)]

[0240] When the buyer reconnects to the network, the terminal decrypts the locally stored encrypted transaction data and synchronizes it with the blockchain network. During the synchronization process, the previously submitted voucher information is recorded on the blockchain, allowing both the buyer and the seller to verify the transaction history. This step ensures that the transaction is fully completed and that all data is securely recorded on the distributed ledger.

[0241] The present invention provides various technical effects that guarantee the integrity of cryptocurrency transactions and the recovery of funds even in an offline state by utilizing the process illustrated in FIG. 10. It ensures that transaction information is not tampered with through digital signatures and encryption (guaranteeing data integrity), enables the seller to recover funds via payment vouchers despite the offline transaction (guaranteeing the acquisition of transaction funds), allows for safe and reliable cryptocurrency transactions even in an offline state (improving user convenience), and provides immutability and transparency by recording transaction history on a blockchain network (blockchain-based transparency).

[0242] FIG. 11 is a flowchart of a virtual currency transaction brokerage method performed by a virtual currency transaction brokerage device according to an embodiment of the present invention. The transaction brokerage method may include a step of obtaining product payment information (S110), a step of calculating a payment amount (S120), a step of determining a virtual currency balance (S130), a first virtual currency transmission step (S140), and a second virtual currency transmission step (S150).

[0243] In the product payment information acquisition step (S110), the product payment information acquisition unit (110) receives a product purchase request from a buyer and can acquire product payment information including the buyer's virtual currency account information, purchased product information, and the seller's virtual currency account information.

[0244] In the payment amount calculation step (S120), the payment amount calculation unit (120) can calculate a virtual currency payment amount corresponding to the sales amount of the purchased product.

[0245] In the virtual currency balance determination step (S130), the virtual currency balance determination unit (130) can determine whether there is virtual currency in the buyer's virtual currency account that is greater than or equal to the calculated virtual currency payment amount.

[0246] In the first virtual currency transfer step (S140), if the first virtual currency transfer unit (140) determines that there is virtual currency in the buyer's virtual currency account that is greater than or equal to the calculated virtual currency payment amount, the virtual currency can be transferred from the buyer's virtual currency account to the transaction intermediary's virtual currency account.

[0247] In the second virtual currency transfer step (S150), the second virtual currency transfer unit (150) can transfer virtual currency from the transaction intermediary's virtual currency account to the seller's virtual currency account.

[0248] For the product payment information acquisition step (S110), payment amount calculation step (S120), virtual currency balance determination step (S130), first virtual currency transmission step (S140), and second virtual currency transmission step (S150), the detailed description of the product payment information acquisition unit (110), payment amount calculation unit (120), virtual currency balance determination unit (130), first virtual currency transmission unit (140), and second virtual currency transmission unit (150) of FIG. 3 may be referenced.

[0249] The steps or processes described above may be executed by hardware components, software components, and / or a combination of hardware components and software components. For example, the steps or processes described in the embodiments may be executed using one or more general-purpose or special-purpose computers, such as, for example, a processor, a controller, an arithmetic logic unit (ALU), a digital signal processor, a microcomputer, a field programmable array (FPA), a programmable logic unit (PLU), a microprocessor, or any other device capable of executing and responding to instructions. The processing unit may execute an operating system (OS) and one or more software applications executed on said operating system. Additionally, the processing unit may access, store, manipulate, process, and generate data in response to the execution of the software. For ease of understanding, the processing unit may be described as being used as a single unit, but those skilled in the art will understand that the processing unit may include multiple processing elements and / or multiple types of processing elements. For example, the processing unit may include multiple processors or one processor and one controller. Additionally, other processing configurations, such as parallel processors, are also possible.

[0250] Software may include computer programs, code, instructions, or a combination of one or more of these, and may configure a processing unit to operate as desired or command the processing unit independently or collectively. Software and / or data may be permanently or temporarily embodied in any type of machine, component, physical device, virtual equipment, computer storage medium or device, or transmitted signal wave so as to be interpreted by the processing unit or to provide instructions or data to the processing unit. Software may be distributed over networked computer systems and may be stored or executed in a distributed manner. Software and data may be stored on one or more computer-readable recording media.

[0251] The method according to the embodiment may be implemented in the form of program instructions that can be executed through various computer means and recorded on a computer-readable medium. The computer-readable medium may include program instructions, data files, data structures, etc., either alone or in combination. The program instructions recorded on the medium may be those specifically designed and configured for the embodiment, or they may be those known and available to those skilled in the art. Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks, and magnetic tapes; optical recording media such as CD-ROMs and DVDs; magneto-optical media such as floptical disks; and hardware devices specifically configured to store and execute program instructions, such as ROM, RAM, and flash memory. Examples of program instructions include machine code, such as that generated by a compiler, as well as high-level language code that can be executed by a computer using an interpreter, etc. The hardware devices described above may be configured to operate as one or more software modules to perform the operation of the embodiment, and vice versa.

[0252] Although the embodiments have been described above with reference to limited examples and drawings, those skilled in the art can make various modifications and variations from the description above. For example, suitable results can be achieved even if the described techniques are performed in a different order than described, and / or the components of the described system, structure, device, circuit, etc. are combined or assembled in a form different from described, or replaced or substituted by other components or equivalents.

[0253] Therefore, other implementations, other embodiments, and equivalents to the claims also fall within the scope of the claims set forth below.

Claims

1. A virtual currency transaction brokerage method performed by a virtual currency transaction brokerage device comprising: one or more processors; and one or more memories storing instructions that cause the one or more processors to perform operations when executed by the one or more processors, wherein Performed by the above one or more processors, A step of receiving a product purchase request from a buyer and obtaining product payment information including the buyer's virtual currency account information, purchased product information, and the seller's virtual currency account information; A step of calculating a virtual currency payment amount corresponding to the sales amount of a purchased product; A step of determining whether there is virtual currency in the buyer's virtual currency account that is greater than or equal to the calculated virtual currency payment amount; If it is determined that virtual currency exceeding the calculated virtual currency payment amount exists in the buyer's virtual currency account, the step of transferring virtual currency from the buyer's virtual currency account to the transaction intermediary's virtual currency account; and Step of transferring cryptocurrency from the transaction intermediary's cryptocurrency account to the seller's cryptocurrency account A virtual currency trading brokerage method including 2. In Paragraph 1, The above product payment information includes a purchase confirmation period, and A virtual currency transaction brokerage method in which, if there is no request for cancellation of purchase by the buyer within the purchase confirmation period or if the purchase confirmation period has elapsed, a transfer of virtual currency corresponding to the amount of virtual currency is performed from the virtual currency account of the transaction broker to the virtual currency account of the seller.

3. In Paragraph 1, The above product payment information includes a purchase confirmation period, and A virtual currency transaction brokerage method in which, when a buyer requests a purchase cancellation within the purchase confirmation period, the transaction amount and the return amount are determined by mutual agreement between the buyer and the seller, the determined transaction amount is transferred to the seller's virtual currency account, and the determined return amount is transferred to the buyer's virtual currency account.

4. In Paragraph 1, A virtual currency transaction brokerage method in which purchased product information and virtual currency account information owned by the seller are detected using a QR code for the purchased product provided by the seller.

5. In Paragraph 1, A virtual currency transaction brokerage method in which the virtual currency transferred from the above-mentioned transaction broker’s virtual currency account to the seller’s virtual currency account is the virtual currency in an amount after deducting the brokerage fee.

6. In Paragraph 1, It further includes a step of providing cryptocurrency trading store information to the buyer, and A virtual currency trading brokerage method comprising trading store information including one or more virtual currency trading store locations and business information displayed on a map.

7. In Paragraph 1, Even if the buyer's terminal is not connected to the network, the buyer can purchase products through offline transactions based on virtual currency account information and product purchase information stored within the terminal, and Withdrawals from the buyer's virtual currency account are suspended while the buyer's terminal is not connected to the network, and After the buyer's terminal is reconnected to the network, the steps of transferring virtual currency from the buyer's virtual currency account to the transaction intermediary's virtual currency account and transferring virtual currency from the transaction intermediary's virtual currency account to the seller's virtual currency account are performed. A cryptocurrency transaction brokerage method in which offline transaction history is recorded on a blockchain distributed ledger upon network reconnection.

8. In Paragraph 1, It further includes the step of providing a swap transaction between the cryptocurrency and the Korean Won by an AMM (Automated Market Maker) that determines the swap price of the cryptocurrency to the Korean Won based on the number of buyers and sellers, and The above AMM is, A first computation module that calculates the increase in cryptocurrency price based on the number of buyers and the purchase volume; A second computation module that calculates the amount of cryptocurrency price drop based on the number of sellers and the volume of sales; A control module that limits the current price of cryptocurrency to the maximum fluctuation rate within 24 hours during buying and selling; A time-based initialization module that resets the number of buyers and sellers at preset time intervals; and A swap execution module that performs swap transactions between cryptocurrencies based on the above-calculated price. Virtual currency trading brokerage method including 9. In Paragraph 8, The above-mentioned first computation module increases the base price of the virtual currency inversely proportional to the total number of buyers, and The above-mentioned second computation module reduces the base price of the virtual currency inversely proportional to the total number of sellers, and The above control module controls the amount of price change resulting from buying and selling so that it does not exceed a preset maximum ratio of the previous day's closing price, and The above time-based initialization module resets the transaction data at the elapsed time of a preset time cycle to start a new price fluctuation cycle, and A virtual currency transaction brokerage method in which the above AMM operates on a blockchain network based on a smart contract, and the swap transaction history of the above AMM is configured to be recorded on a distributed ledger.

10. One or more processors; and one or more memories stored in which instructions are stored to cause the one or more processors to perform operations when executed by the one or more processors, wherein One or more of the above processors, A step of receiving a product purchase request from a buyer and obtaining product payment information including the buyer's virtual currency account information, purchased product information, and the seller's virtual currency account information; A step of calculating a virtual currency amount corresponding to the sales amount of a purchased product; A step of determining whether there is virtual currency in the buyer's virtual currency account that is greater than or equal to the calculated amount of virtual currency; If it is determined that virtual currency exceeding the calculated amount of virtual currency exists in the buyer's virtual currency account, the step of transferring virtual currency from the buyer's virtual currency account to the transaction intermediary's virtual currency account; and The step of transferring virtual currency from the above-mentioned transaction intermediary's virtual currency account to the seller's virtual currency account. A cryptocurrency trading brokerage device configured to perform steps including

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