KR20230151784A - Digital asset payment agency system and method of the same - Google Patents

Abstract

Disclosed are a digital asset payment agency system which performs a digital asset payment process to enable a user to use digital assets to make a payment, and a method thereof. The digital asset payment agency method according to an embodiment of the present invention comprises the steps of: allowing a payment gateway terminal to receive a request for purchasing digital assets for payments of a user from a user terminal; allowing the payment gateway terminal corresponding to a consigner terminal, a customer client, to request a consignee terminal for the consignment of purchasing digital assets; allowing the consignee terminal to generate a consignee wallet for digital asset management for each consigner terminal and register the same to a digital asset exchange terminal; allowing the digital asset exchange terminal to purchase digital assets to the consignee wallet; allowing the consignee terminal to notify the payment gateway terminal of a digital asset purchasing result; allowing the payment gateway terminal to retrieve the digital assets stored in the consignee wallet, process the payment requested by the user terminal and pay for payment amounts; allowing the payment gateway terminal to request the consignee terminal for selling digital assets corresponding to the payment amounts; allowing the consignee terminal to receive Korean currency according to the digital asset selling from the digital asset exchange terminal; and allowing the consignee terminal to transfer the Korean currency received from the digital asset exchange terminal to the payment gateway terminal to settle the payment amounts.

Description

Digital asset payment agency system and method {DIGITAL ASSET PAYMENT AGENCY SYSTEM AND METHOD OF THE SAME}

The present invention relates to a digital asset payment agency system and method, and more specifically, to a digital asset payment agency system and method that handles digital asset payment processing so that users can pay payments using digital assets.

Recently, as investment in virtual assets has rapidly increased, there is a demand for services that perform virtual asset management by entrusting the management of various types of virtual assets, including Bitcoin and Ethereum. Virtual asset management services have several advantages, including providing services to safely store and manage customers’ virtual assets. However, most conventional virtual asset management services are limited to simply storing virtual assets.

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

In addition, the process of trading virtual assets held by users in their virtual asset accounts is cumbersome, and investment (trading), transfer, and management of virtual assets is made based on the user's judgment, so high investment returns are expected by using virtual assets. There are limits to what is difficult to do. In addition, for conventional virtual asset-related services, when the customer is an organization such as a company, it is difficult to prevent employees in charge from stealing digital assets, and there is a risk of hacking, so preventive measures are needed.

The present invention is intended to provide a digital asset payment agency system and method that handles digital asset payment processing so that users can make payment using digital assets.

In addition, the present invention provides a digital asset payment agency system and method that provides digital asset investment services through collaboration and operating key sharing between users, customers (payment companies), trustees, and managers, along with digital asset payment agency services. It is for.

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

The digital asset payment agency method according to an embodiment of the present invention includes the steps of a payment company terminal receiving a request from a user terminal to purchase digital assets for the user's payment; A step of requesting entrustment of the purchase of the digital asset by the payment company terminal corresponding to the consignor terminal, which is a customer sign, to the trustee terminal; Step of the trustee terminal creating a trustee wallet for management of the digital asset for each trustee terminal and registering it in a digital asset exchange terminal; purchasing digital assets in the trustee wallet by the digital asset exchange terminal; Notifying the trustee terminal of the digital asset purchase result to the payment company terminal; The payment company terminal checks the digital assets stored in the trustee wallet, processes the payment requested by the user terminal, and pays the payment amount; Requesting the payment company terminal to sell digital assets corresponding to the payment amount to the trustee terminal; The trustee terminal receiving payment in won according to the sale of the digital asset from the digital asset exchange terminal; And a step of the trustee terminal transferring the won received from the digital asset exchange terminal to the payment company terminal to settle the payment amount.

The digital asset payment agency method according to an embodiment of the present invention includes the steps of the digital asset exchange terminal generating one or more operating keys for digital asset management for the trustee wallet and transmitting them to the trustee terminal; The trustee terminal providing the one or more operating keys to an operator terminal that manages digital assets; The trustee terminal receiving operation data according to digital asset operation using the operation key from the manager terminal; And it may further include the step of the trustee terminal providing profits according to the operation data to the trustee.

The trustee wallet may include a trustee representative wallet registered as the representative wallet of the trustee terminal, and one or more trustee sub-wallets registered as sub-wallets of the trustee representative wallet based on the customer company. The trustee sub-wallet includes a management company sub-wallet that can be operated by the management company terminal, a customer company sub-wallet that can be operated by the payment company terminal, a trustee sub-wallet that can be operated by the trustee terminal, and a user sub-wallet that can be operated by the user terminal. may include.

The digital asset payment agency method according to an embodiment of the present invention includes the steps of generating, by the digital asset exchange terminal, a first operating key for digital asset management of the manager terminal; Generating, by the digital asset exchange terminal, a second operating key for digital asset management of the payment company terminal; Generating, by the digital asset exchange terminal, a third operating key for digital asset management of the trustee terminal; Generating, by the digital asset exchange terminal, a fourth operating key for digital asset management of the user terminal; The digital asset exchange terminal transmitting the first operation key, the second operation key, the third operation key, and the fourth operation key to the trustee terminal; The trustee terminal providing the first operating key to the manager terminal; The trustee terminal transmitting the second operating key to the payment company terminal; The trustee terminal transmitting the fourth operating key to the user terminal; Among the digital assets stored in the trustee representative wallet, digital assets operated by the manager terminal using the first operating key are classified and stored in the manager sub-wallet; Among the digital assets stored in the trustee representative wallet, digital assets operated by the payment company terminal using the second operating key are classified and stored in the customer company sub-wallet; Among the digital assets stored in the trustee representative wallet, digital assets operated by the trustee terminal using the third operating key are classified and stored in the trustee sub-wallet; Among the digital assets stored in the trustee representative wallet, digital assets operated by the user terminal using the fourth operating key are classified and stored in the user sub-wallet; And further comprising the step of the trustee terminal evaluating digital asset values for each of the management company sub-wallet, the customer company sub-wallet, the trustee sub-wallet, and the user sub-wallet, and providing digital asset investment rate of return information to the payment company terminal. can do.

The digital asset may include a plurality of virtual currencies selected from virtual currencies including Bitcoin, Ethereum, and Klaytn. The digital asset payment agency method according to an embodiment of the present invention includes the steps of creating an owner account according to an owner account creation request of the consignor terminal, by an owner account creation unit of the consignor terminal, and sharing it with the consignor terminal; Creating an applicant account for each of the plurality of virtual currencies and the digital asset wallet according to a request for creating an applicant account of the trustor terminal, by an applicant account creation unit of the trustee terminal, and sharing the applicant account with the trustor terminal; Generating, by an approver account creation unit of the trustee terminal, an approver account for each of the plurality of virtual currencies and the digital asset wallet according to a request for creating an approver account of the trustor terminal related to the owner account and sharing it with the trustor terminal; receiving a digital asset management application through the applicant account and requesting approval for the digital asset management application from the approver account, by an approval request unit of the trustee terminal; Verifying, by an account verification unit of the trustee terminal, the digital asset management application according to whether the digital asset management application is approved by the approver account; Confirming digital assets stored in the trustee wallet related to the digital asset management application by a digital asset confirmation unit of the trustee terminal; performing asset management according to the digital asset management application upon completion of verification and confirmation of the account verification unit and the digital asset verification unit by the digital asset management unit of the trustee terminal; And it may include registering one or more digital asset wallets for each of the plurality of virtual currencies by the digital asset wallet register of the trustee terminal.

According to an embodiment of the present invention, a computer program recorded on a computer-readable recording medium is provided to execute the digital asset payment agency method.

According to an embodiment of the present invention, a digital asset payment agency system and method are provided for processing digital asset payments so that users can pay payments using digital assets.

In addition, according to an embodiment of the present invention, along with a digital asset payment agency service, it is possible to provide a digital asset investment service through collaboration and operating key sharing between users, customer companies (payment companies), trustees, and management companies.

In addition, according to an embodiment of the present invention, the risk of theft and hacking of digital assets can be reduced by distributing customer accounts for digital asset management into applicant accounts and approver accounts.

Figure 1 is a configuration diagram of a digital asset payment agency system according to an embodiment of the present invention.
Figure 2 is a flowchart of a digital asset payment agency method according to an embodiment of the present invention.
Figure 3 is a conceptual diagram illustrating the process of investing digital assets using a digital asset exchange according to an embodiment of the present invention.
Figure 4 is a configuration diagram of a trustee terminal constituting a digital asset payment agency system according to an embodiment of the present invention.
Figure 5 is a flowchart showing the process of creating an applicant account and an approver account for digital asset investment according to an embodiment of the present invention.
Figure 6 is a flowchart showing the digital asset management application and approval process according to an embodiment of the present invention.
Figure 7 is a flowchart showing the digital asset management application and approval process according to another embodiment of the present invention.

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

In this specification, when a part 'includes' a certain component, this means that it may further include other components rather than excluding other components unless specifically stated to the contrary. As used herein, '~unit' refers to a unit that processes at least one function or operation, and may mean, for example, software, FPGA, or hardware components.

The functions provided in '~ part' may be performed separately by multiple components, or may be integrated with other additional components. '~ part' in this specification is not necessarily limited to software or hardware, and may be configured to be in an addressable storage medium, or may be configured to reproduce one or more processors. Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.

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

The digital asset payment agency system 10 according to an embodiment of the present invention creates a trustee wallet by requesting the payment company terminal 100 to entrust the trustee terminal 200 to purchase digital assets for processing the user's payment, It is possible to provide a digital asset payment agency service that checks the digital assets held in the trustee's wallet, pays the payment, and then receives won from the trustee according to the sale of digital assets to settle the payment.

In addition, in the digital asset payment agency system 10 according to an embodiment of the present invention, when the payment company terminal 100 entrusts the trustee terminal 200 to purchase digital assets and requests operation, the trustee terminal 200 A trustee wallet for management of digital assets is created for each terminal 100 and registered in the digital asset exchange terminal 400, and one or more operating keys generated by the digital asset exchange terminal 400 are sent to the payment company terminal 100, Digital assets are shared with the management company terminal 500 and the user terminal 600, and management data is provided from the management company terminal 500 or management data is analyzed by the payment company terminal 100 and/or the trustee terminal 200. It is possible to provide a series of digital asset investment services that calculate the return on investment and provide it to the consignor.

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

The payment company terminal 100, the trustee terminal 200, the digital asset exchange terminal 400, the operator terminal 500, and/or the user terminal 600 include, for example, desktop PCs, laptops, notebooks, smartphones, and smart phones. It may be provided as a terminal such as a pad, but is not limited to this.

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

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

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

Figure 2 is a flowchart of a digital asset payment agency method according to an embodiment of the present invention. 1 and 2, in order for a user to process a payment using digital assets through a simple payment company, the user terminal 600 may request the purchase of digital assets from the payment company terminal 100 ( S1). If the user already holds digital assets greater than the payment amount, step S1 can be omitted.

The payment company terminal 100, which has received a request to purchase digital assets from the user terminal 600, may request the trustee terminal 200 to entrust the purchase of digital assets in order to process the user's payment (S2). The trustee terminal 200 can create a trustee wallet for management of digital assets for each payment company/user corresponding to the client terminal, and register it in the digital asset exchange terminal 400 (S3).

The trustee terminal 200 can purchase digital assets in the trustee wallet by the digital asset exchange terminal 400 (S4-1, S4-2) and notify the payment company terminal 100 of the digital asset purchase results. (S4-3). The payment company terminal 100 can query the user terminal 600 for digital asset information, purchase history, balance, etc. according to digital asset purchases, and provide the relevant information to the user terminal 600 (S5-1) , S5-2).

After purchasing/recharging digital assets through card payment, account transfer, etc., the user may request payment or sale of digital assets to the payment company terminal 100 through the user terminal 600 (S6). The payment company terminal 100 can check the digital assets stored in the trustee wallet, process the payment requested by the user terminal 600, and pay the merchant payment amount (S7).

The payment company terminal 100 may request the trustee terminal 200 to sell digital assets corresponding to the user's payment amount at the affiliated store (S8-1). The trustee terminal 200 requests the digital asset exchange terminal 400 to transfer digital assets (S8-2), receives payment in won from the digital asset exchange terminal 400 in accordance with the sale of the digital asset, and then settles the received won. The payment amount/receivables can be cleared by transmitting it to the company terminal 100 (S9-1, S9-2, S9-3, S10).

Next, the process of providing an investment service through digital asset trading using digital assets pre-charged by the user through the payment company terminal 100 will be described. In order for users to obtain investment returns through digital assets pre-charged through the payment company terminal 100, the payment company terminal 100 can entrust digital asset investment to the trustee terminal 200, and the payment company terminal (100) The trustee terminal 200, which has entrusted the investment from 100), can generate digital asset investment profits by managing the user's digital assets through the affiliated management company 500.

Figure 3 is a conceptual diagram illustrating the process of investing digital assets using a digital asset exchange according to an embodiment of the present invention. Referring to FIGS. 1 and 3 , first, one or more payment company terminals 100 corresponding to one or more customer companies may entrust digital assets to the trustee terminal 200 and request operation.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

In an embodiment of the present invention, the payment company terminal 100 may include one or more manager terminals 110, one or more applicant terminals 120, and one or more approver terminals 130. The manager terminal 110, the applicant terminal 120, the approver terminal 130, the trustee terminal 200, the digital asset exchange terminal 400, and the operator terminal 500 are connected through a wired/wireless communication network and can communicate with each other. You can.

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

The applicant terminal 120 accesses the applicant account issued by the trustee terminal 200 in accordance with the request for digital asset storage, management, and investment from the manager terminal 110 to manage digital assets such as storage, investment, and transfer of digital assets. It may be a terminal used by the applicant applying.

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

Figure 4 is a configuration diagram of a trustee terminal constituting a digital asset payment agency system according to an embodiment of the present invention. Referring to Figures 1 and 4, the trustee terminal 200 includes an owner account creation unit 210, a digital asset wallet register 220, an applicant account creation unit 230, an approver account creation unit 240, and an approval request unit. It may include (250), an account verification unit (260), a digital asset verification unit (270), a digital asset management unit (280), and a control unit (290).

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

The digital asset wallet register 220 may register a digital asset wallet (trustee sub-wallet) for storing/investing digital assets requested from the payment company terminal 100 in the digital asset exchange terminal 400. The digital asset wallet register 220 can register one or more digital asset wallets for each plurality of virtual currencies. For example, the digital asset wallet register 220 may register a plurality of customer company sub-wallets as sub-wallets of the trustee sub-wallet.

The digital asset wallet register 220 whitelists a plurality of digital asset wallets including a first digital asset wallet requested for registration by the payment company terminal 100 and a second digital asset wallet verified through digital asset history. You can register with . Among the plurality of digital asset wallets registered as whitelist digital asset wallets, the digital asset wallet that can be selected by the applicant account can be set individually for each applicant account.

The applicant account creation unit 230 may create an applicant account according to a request for creating an applicant account from the payment company terminal 100 related to the owner account and share it with the payment company terminal 100. The applicant account creation unit 230 may create an applicant account for each virtual currency and digital asset wallet. The applicant account created by the applicant account creation unit 230 may be recorded in the trustee DB 300.

The approver account creation unit 240 may create an approver account in response to a request for creating an approver account from the payment company terminal 100 related to the owner account and share it with the payment company terminal 100 . The approver account creation unit 240 may create an approver account for each of a plurality of virtual currency and digital asset wallets. The approver account created by the approver account creation unit 240 may be recorded in the trustee DB 300.

The approval request unit 250 may receive a digital asset management application through the applicant account and request approval for the digital asset management application from the approver account. The account verification unit 260 may perform verification of the digital asset management application depending on whether the digital asset management application is approved by the approver account.

The digital asset confirmation unit 270 can check the digital assets stored in the digital asset wallet related to the digital asset management application. The digital asset management unit 280 may perform digital asset management according to the digital asset management application upon completion of verification and confirmation of the account verification unit 260 and the digital asset verification unit 270. The control unit 290 can provide a service for managing digital assets by controlling each component of the trustee terminal 200.

According to the embodiment of the present invention described above, the risk of digital asset theft or hacking by employees in charge of the payment company can be reduced by distributing the accounts for managing digital assets into the applicant account and the approver account. The approver terminal 130 may be given one approver account for each owner account, but a plurality of approver accounts may be given to the owner account. Additionally, the approver account may be set differently depending on the applicant account.

When multiple approver accounts are granted to the owner account, when the applicant terminal 120 of the payment company terminal 100 accesses the applicant account and applies for storage and management of digital assets, the trustee terminal 200 is connected to the applicant terminal 100. You can decide which of the three approver accounts to request approval for the storage and management of digital assets. In one embodiment, the trustee terminal 200 may randomly select one or more approver accounts from among a plurality of approver accounts and request approval for storage and management of digital assets.

For example, when three approver accounts are set for an owner account, the trustee terminal 200 randomly selects one approver account among the three approver accounts and approves storage and management of digital assets with the selected approver account. You can request. The applicant cannot know which of the three approvers will be requested to approve storage and management of digital assets. Therefore, since it is difficult for an applicant to fraudulently mock with all three approvers, theft of digital assets through prior mocking can be prevented.

Additionally, the trustee terminal 200 may determine the number of approver accounts to request approval among a plurality of approver accounts based on application information for storage and management of digital assets received through the applicant account. For example, if the size of the digital asset requested for transfer exceeds the preset standard asset size, the trustee terminal 200 requests approval from two or three or more approver accounts and only applies if approval is obtained through all approver accounts. Transfer processing can be performed on digital assets.

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

Figure 5 is a flowchart showing the process of creating an applicant account and an approver account for digital asset investment according to an embodiment of the present invention. Referring to FIGS. 1, 4, and 5, when the payment company terminal 100 requests creation of an owner account (S11), the owner account creation unit 210 of the trustee terminal 200 creates an owner account to be issued to the payment company. can be created (S12). The owner account information generated by the owner account creation unit 210 may be shared with the payment company terminal 100 and recorded in the trustee DB 300 (S13, S14).

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

The digital asset wallet register 220 whitelists a plurality of digital asset wallets including a first digital asset wallet requested for registration by the payment company terminal 100 and a second digital asset wallet verified through digital asset history. You can register with .

Among the plurality of digital asset wallets registered as whitelist digital asset wallets, a digital asset wallet that can be selected by the applicant account can be set for each applicant account. When the payment company terminal 100 requests the creation of an applicant account and an approver account (S15), the applicant account creation unit 230 and the approver account creation unit 240 of the trustee terminal 200 are connected to the payment company terminal related to the owner account. An applicant account and an approver account can be created according to the request for creating an applicant account and an approver account in (100) (S16)

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

Figure 6 is a flowchart showing the digital asset management application and approval process according to an embodiment of the present invention. Referring to FIGS. 1, 4, and 6, the approval request unit 250 may receive a digital asset management application through the applicant account and request approval for the digital asset management application from the approver account (S21).

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

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

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

Figure 7 is a flowchart showing the digital asset management application and approval process according to another embodiment of the present invention. Referring to Figures 1 and 7, the trustee terminal 200 may grant a plurality of approver accounts to each applicant account for the owner account (S32).

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

In one embodiment, the trustee terminal 200 may determine the number of approver accounts to request approval among a plurality of approver accounts based on application information for storage and management of digital assets received through the applicant account (S34). The trustee terminal 200 may randomly select one or more approver accounts from among a plurality of approver accounts as many as the number of approver accounts and request approval for storage and management of digital assets (S36).

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

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

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

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

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

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

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

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

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

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

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

10: Digital asset payment agency system
20: Trustee representative wallet
30: Trustee sub-wallet
32: Manager sub-wallet
34: Customer sub-wallet
36: Trustee sub wallet
38: User sub-wallet
100: Payment company terminal (consignor terminal)
110: Administrator terminal
120: Applicant terminal
130: Approver terminal
200: Trustee terminal
210: Owner account creation unit
220: Digital asset wallet register
230: Applicant account creation unit
240: Approver account creation unit
250: Approval request section
260: Account verification unit
270: Digital asset confirmation unit
280: Digital Asset Management Department
290: control unit
300: Trustee DB
400: Digital asset exchange terminal
500: Operator terminal
600: User terminal

Claims (5)

A step where the payment company terminal receives a request from the user terminal to purchase digital assets for the user's payment;
A step of requesting entrustment of the purchase of the digital asset by the payment company terminal corresponding to the consignor terminal, which is a customer sign, to the trustee terminal;
Step of the trustee terminal creating a trustee wallet for management of the digital asset for each trustee terminal and registering it in a digital asset exchange terminal;
purchasing digital assets in the trustee wallet by the digital asset exchange terminal;
Notifying the trustee terminal of the digital asset purchase result to the payment company terminal;
The payment company terminal checks the digital assets stored in the trustee wallet, processes the payment requested by the user terminal, and pays the payment amount;
Requesting the payment company terminal to sell digital assets corresponding to the payment amount to the trustee terminal;
The trustee terminal receiving payment in won according to the sale of the digital asset from the digital asset exchange terminal; and
A digital asset payment agency method comprising the step of the trustee terminal transferring the won received from the digital asset exchange terminal to the payment company terminal to settle the payment amount. In claim 1,
The digital asset exchange terminal generates one or more operating keys for digital asset management for the trustee wallet and transmits them to the trustee terminal;
The trustee terminal providing the one or more operating keys to an operator terminal that manages digital assets;
The trustee terminal receiving operation data according to digital asset operation using the operation key from the manager terminal; and
A digital asset payment agency method further comprising the step of the trustee terminal providing profits according to the operation data to the trustee. In claim 1,
The trustee wallet includes a trustee representative wallet registered as a representative wallet of the trustee terminal, and one or more trustee sub-wallets registered as a sub-wallet of the trustee representative wallet based on the customer company,
The trustee sub-wallet includes a management company sub-wallet that can be operated by the management company terminal, a customer company sub-wallet that can be operated by the payment company terminal, a trustee sub-wallet that can be operated by the trustee terminal, and a user sub-wallet that can be operated by the user terminal. Including,
Generating, by the digital asset exchange terminal, a first operating key for digital asset management of the manager terminal;
Generating, by the digital asset exchange terminal, a second operating key for digital asset management of the payment company terminal;
Generating, by the digital asset exchange terminal, a third operating key for digital asset management of the trustee terminal;
Generating, by the digital asset exchange terminal, a fourth operating key for digital asset management of the user terminal;
The digital asset exchange terminal transmitting the first operation key, the second operation key, the third operation key, and the fourth operation key to the trustee terminal;
The trustee terminal providing the first operating key to the manager terminal;
The trustee terminal transmitting the second operating key to the payment company terminal;
The trustee terminal transmitting the fourth operating key to the user terminal;
Among the digital assets stored in the trustee representative wallet, digital assets operated by the manager terminal using the first operating key are classified and stored in the manager sub-wallet;
Among the digital assets stored in the trustee representative wallet, digital assets operated by the payment company terminal using the second operating key are classified and stored in the customer company sub-wallet;
Among the digital assets stored in the trustee representative wallet, digital assets operated by the trustee terminal using the third operating key are classified and stored in the trustee sub-wallet;
Among the digital assets stored in the trustee representative wallet, digital assets operated by the user terminal using the fourth operating key are classified and stored in the user sub-wallet; and
The trustee terminal evaluates digital asset values for each of the management company sub-wallet, the customer company sub-wallet, the trustee sub-wallet, and the user sub-wallet, and providing digital asset investment rate of return information to the payment company terminal. , Digital asset payment agency method. In claim 1,
The digital asset includes a plurality of virtual currencies selected from virtual currencies including Bitcoin, Ethereum, and Klaytn,
Creating an owner account according to an owner account creation request of the consignor terminal, by the owner account creation unit of the consignor terminal, and sharing the owner account with the consignor terminal;
Creating an applicant account for each of the plurality of virtual currencies and the digital asset wallet according to a request for creating an applicant account of the trustor terminal, by an applicant account creation unit of the trustee terminal, and sharing the applicant account with the trustor terminal;
Generating, by an approver account creation unit of the trustee terminal, an approver account for each of the plurality of virtual currencies and the digital asset wallet according to a request for creating an approver account of the trustor terminal related to the owner account and sharing it with the trustor terminal;
receiving a digital asset management application through the applicant account and requesting approval for the digital asset management application from the approver account, by an approval request unit of the trustee terminal;
Verifying, by an account verification unit of the trustee terminal, the digital asset management application according to whether the digital asset management application is approved by the approver account;
Confirming digital assets stored in the trustee wallet related to the digital asset management application by a digital asset confirmation unit of the trustee terminal;
performing asset management according to the digital asset management application upon completion of verification and confirmation of the account verification unit and the digital asset verification unit by the digital asset management unit of the trustee terminal; and
A digital asset payment agency method comprising registering one or more digital asset wallets for each of the plurality of virtual currencies by the digital asset wallet register of the trustee terminal. A computer program recorded on a computer-readable recording medium to execute the digital asset payment agency method of any one of claims 1 to 4.