阅读说明：本技术 虚拟货币交易系统 (Virtual currency transaction system ) 是由 金成龙 郑求英 李炳川 于 2020-05-20 设计创作，主要内容包括：公开一种虚拟货币交易系统,本发明的一个实施例的虚拟货币交易系统包括：虚拟货币综合交易所服务器,接收虚拟货币的购买请求信息及出售请求信息,基于成交信息而匹配满足交易条件的所述购买请求信息及所述出售请求信息而签订虚拟货币的交易,按虚拟货币交易记录交易签订信息；及中介会员公司服务器,将由用户终端设备传送的购买请求信息及出售请求信息传送至所述虚拟货币综合交易所服务器,由所述虚拟货币综合交易所服务器接收成交信息及交易签订信息而提供至所述用户终端设备,所述中介会员公司服务器和所述用户终端设备之间的结算流程的第一所需期间与所述虚拟货币综合交易所服务器和所述中介会员公司服务器之间的清算流程的第二所需期间不同。(Disclosed is a virtual money transaction system, the virtual money transaction system of one embodiment of the present invention includes: a virtual currency integrated exchange server for receiving purchase request information and sale request information of virtual currency, matching the purchase request information and the sale request information satisfying transaction conditions based on deal information to sign a transaction of the virtual currency, and recording the transaction sign information according to the transaction records of the virtual currency; and an intermediary member company server for transmitting purchase request information and sale request information transmitted from the user terminal device to the virtual currency integrated exchange server, receiving transaction information and transaction signing information from the virtual currency integrated exchange server, and providing the transaction information and the transaction signing information to the user terminal device, wherein a first required period of a settlement process between the intermediary member company server and the user terminal device is different from a second required period of a settlement process between the virtual currency integrated exchange server and the intermediary member company server.)

1. A virtual money transaction system, characterized in that,

the method comprises the following steps:

a virtual currency integrated exchange server for receiving purchase request information and sale request information of virtual currency, matching the purchase request information and the sale request information satisfying transaction conditions based on deal information to sign a transaction of the virtual currency, and recording the transaction sign information according to the transaction records of the virtual currency; and

an intermediary member company server for transmitting the purchase request information and the sale request information transmitted from the user terminal device to the virtual money integrated exchange server, and receiving the transaction information and the transaction signing information from the virtual money integrated exchange server to provide the transaction information and the transaction signing information to the user terminal device,

a first required period of a settlement flow between the intermediating member company server and the user terminal device is different from a second required period of a settlement flow between the virtual money integrated exchange server and the intermediating member company server.

2. The virtual currency transaction system according to claim 1,

the intermediating member company server is provided in plurality,

the settlement process is a process in which the intermediary member company server receives transaction subscription information of a corresponding transaction after the virtual money integrated exchange server subscribes a transaction of virtual money, and deposits and withdrawals of cash accounts and virtual money accounts are performed between the user terminal device and the intermediary member company server based on the transaction subscription information,

the clearing process is a process in which the virtual currency integrated exchange server collects the entire transaction signing information, determines the virtual currency integrated exchange server to cancel out the bonds and the liabilities of the plurality of intermediary member company servers, and deposits and withdraws money between the virtual currency integrated exchange server and the individual intermediary member company servers based on the determined bonds and liabilities.

3. The virtual currency transaction system according to claim 2,

the second required period of the clearing flow is longer than the first required period of the settlement flow.

4. The virtual currency transaction system according to claim 3,

the first required period of the settlement process is the day of the corresponding transaction,

the second required period of the clearing process is the next day of the date on which the corresponding transaction was signed.

5. The virtual currency transaction system according to claim 3,

the virtual currency integrated exchange server stores liquidation reserve money information prestored for each of the plurality of intermediating member company servers to guarantee the fulfillment of the liquidation flow,

the clearing process is performed in such a manner that the bonds and debts determined by the intermediary member company server are offset in the clearing advance.

6. The virtual currency transaction system according to claim 5,

the liquidation pre-stored fund comprises a basic pre-stored fund and a variable pre-stored fund,

the basic advance funds are determined for legal currencies, or at least one type of virtual currency, based on set conditions,

the change pre-deposit is determined based on an average offset of money by the type of virtual money in a set period,

the average balance is a value obtained by subtracting an average purchase amount from an average sale amount in the set period of the corresponding virtual money type.

7. The virtual currency transaction system according to claim 5,

the virtual currency integrated exchange server detects a clearing danger condition based on the purchase request information and the sale request information,

and transmitting a preliminary settlement notification signal to the intermediary member company server in response to a situation corresponding to the settlement risk situation.

8. The virtual currency transaction system according to claim 7,

the clearing danger condition includes, for a result of analyzing the purchase request information and the sale request information: in the case where the difference between the purchase amount and the sale amount exceeds the set level,

in the case where the intermediary member company server transmits a preliminary clearing request signal to the virtual money integrated exchange server in response to the preliminary clearing notification signal,

after the clearing process between the virtual money integrated exchange server and the intermediating member company server is finished first, the clearing process between the intermediating member company server and the user terminal device is performed.

9. A virtual currency integrated exchange server, characterized in that,

the method comprises the following steps:

an order information management unit that receives purchase request information and sale request information transmitted from the user terminal device to the intermediary member company server from the intermediary member company server, matches the purchase request information and the sale request information satisfying a transaction condition based on deal information, and generates and records transaction order information based on the matching;

a server communication unit that transmits the transaction signing information to an intermediary member company server associated with the matched purchase request information and sale request information through a network interconnected with the intermediary member company server;

a pre-deposit fund management part for determining the pre-deposit fund for the guarantee of the fulfillment of the clearing process, and the plurality of intermediary member company servers store the pre-deposited information of the pre-deposit fund according to the virtual currency type; and

a settlement flow execution unit that collects the transaction signing information of the whole of the plurality of intermediary member company servers to cancel and determine bonds and debts, processes the deposits and withdrawals of the cash account and the virtual money account between the virtual money integrated exchange server and the individual intermediary member company server based on the determined bonds and debts,

a first required period of a settlement flow of a deposit and withdrawal program based on the transaction signing information between the intermediating member company server and the user terminal device is different from a second required period of a clearing flow between the virtual currency integrated exchange server and the intermediating member company server.

10. The virtual currency integrated exchange server according to claim 9,

further comprising:

a settlement risk control unit for detecting a settlement risk situation based on the purchase request information and the sale request information of the virtual money received by the plurality of intermediary member company servers, transmitting a preliminary settlement notification signal to the corresponding intermediary member company server in case of detecting the settlement risk situation,

the clearing flow executing unit transmits a preliminary clearing request signal to the clearing risk control unit in response to the preliminary clearing notification signal and the intermediary member company server,

before the settlement process between the intermediating member company server and the user terminal device is performed, the settlement process between the virtual currency integrated exchange server and the intermediating member company server is completed.

Technical Field

The present invention relates to a virtual money transaction system.

Background

In recent years, digital virtual money based on a block chain is used for network transactions, and various types of virtual money having different characteristics are used according to a mining method, a value certification method, and a transaction purpose, and examples thereof include bitcoin, ethernet coin, and rembo coin.

The transaction of the virtual currency is different from the transaction of the existing legal currency (fiat currenty), is carried out through a distributed database based on a peer-to-peer communication network (P2P) under the condition of no central authority or bank by applying a block chain technology, has the characteristics that the transaction details are shared and kept by network participants, and all the transaction participants can confirm the whole transaction details.

However, in the past, the purchase and sale of virtual money were performed by opening an account at a virtual money exchange and trading cash and virtual money corresponding to the account, rather than directly and individually performing the purchase and sale between the purchaser and the seller.

However, the current virtual money exchange system is different from the structure of a security market that mediates a security exchange by a plurality of security companies in the presence of a single security exchange, and there are a plurality of virtual money exchanges configured to allow only a transaction between users who can open an account at each virtual money exchange corresponding to a specific virtual money exchange, and thus there is a problem that the virtual money exchange cannot be efficiently performed.

Background art of the present invention is disclosed in korean registered patent publication No. 10-1694455.

Disclosure of the invention

Technical problem to be solved by the invention

The present invention has been made to solve the problems of the prior art, and an object of the present invention is to provide a virtual money transaction system which ensures diversity of virtual money transactions through virtual money transactions between mutually different virtual money transaction brokers, and which ensures the integrity of transactions by introducing a virtual money integrated exchange which comprehensively manages a plurality of virtual money transaction brokers to intervene in the entire transaction.

The present invention has been made to solve the above-described problems of the prior art, and an object of the present invention is to provide a virtual money transaction system for guaranteeing the performance of settlement between a virtual money integrated exchange and a plurality of virtual money transaction brokerages (a plurality of member companies), and having a liquidation reserve money system and a preliminary liquidation system for allowing a user using the virtual money transaction system to perform a reliable virtual money transaction.

However, the technical problem to be achieved by the embodiments of the present invention is not limited to the technical problem described above, and other technical problems exist.

Means for solving the problems

As a means for achieving the above-described object, a virtual currency transaction system according to an embodiment of the present invention includes: a virtual currency integrated exchange server for receiving purchase request information and sale request information of virtual currency, matching the purchase request information and the sale request information satisfying transaction conditions based on deal information to sign a transaction of the virtual currency, and recording transaction signing information according to the virtual currency transaction; and an intermediary member company server for transmitting purchase request information and sale request information transmitted from the user terminal device to the virtual currency integrated exchange server, receiving transaction information and transaction signing information from the virtual currency integrated exchange server, and providing the transaction information and the transaction signing information to the user terminal device, wherein a first required period of a settlement process between the intermediary member company server and the user terminal device is different from a second required period of a settlement process between the virtual currency integrated exchange server and the intermediary member company server.

And a plurality of intermediary member company servers, wherein the settlement process is performed after the virtual money integrated exchange server has made a transaction of virtual money, the intermediating member company server receives transaction-signing information of a corresponding transaction, based on the transaction-signing information, a program for performing no deposit and withdrawal between the user terminal device and the intermediary member company server for the cash account and the virtual money account, the clearing process is a program for the virtual currency integrated exchange server to aggregate the entire transaction signing information, to offset the bonds and the liabilities corresponding to the plurality of intermediary member company servers, to determine the bond and the liabilities, and to perform deposit and withdrawal of the cash account and the virtual currency account between the virtual currency integrated exchange server and the individual intermediary member company server based on the determined bonds and liabilities.

The first required period associated with the settlement flow is longer than the second required period of the settlement flow.

The first required period of the settlement flow is the current day of the corresponding transaction, and the second required period of the settlement flow is the next day of the corresponding transaction.

And, the virtual money exchange server stores liquidation reserve money information prestored for each of the plurality of intermediating member company servers to ensure that the liquidation process is performed by offsetting the determined bonds and debts of each of the intermediating member company servers in the liquidation reserve money.

The clearing prestored money includes a basic prestored money determined based on a predetermined condition for legal money or at least one type of virtual money, and a variable prestored money determined based on an average offsetting money, which is a value obtained by subtracting an average purchase amount from an average sale amount in a predetermined period of the corresponding virtual money type, for each type of virtual money in the predetermined period.

The virtual currency integrated exchange server detects a clearing risk situation based on the purchase request information and the sale request information, and transmits a preliminary clearing notification signal to the intermediary member company server in response to the clearing risk situation.

The clearing risk condition includes a case where a difference between a purchase amount and a sale amount exceeds a predetermined level as a result of analyzing the purchase request information and the sale request information, and a case where the intermediary member company server transmits a preliminary clearing request signal to the virtual money integrated exchange server in response to the preliminary clearing notification signal, and a settlement procedure between the intermediary member company server and the user terminal device is performed after a clearing procedure between the virtual money integrated exchange server and the intermediary member company server is completed in advance.

In addition, a virtual currency integrated exchange server according to an embodiment of the present invention includes: an order information management unit that receives purchase request information and sale request information transmitted from the user terminal device to the intermediary member company server from the intermediary member company server, matches the purchase request information and the sale request information satisfying a transaction condition based on deal information, and generates and records transaction order information based on the matching; a server communication unit that transmits the transaction signing information to an intermediary member company server that associates the matched purchase request information and sale request information through a network connected to the intermediary member company server; a pre-deposit fund management part for determining the pre-deposit fund to guarantee the performance of the clearing process, wherein the plurality of intermediary member company servers respectively store the pre-deposited information of the pre-deposit fund according to the type of the virtual currency; and a clearing process executing unit configured to aggregate the transaction signing information of the entire plurality of intermediary member company servers to offset and determine bonds and debts, and process deposit and withdrawal of cash accounts and virtual money accounts between the virtual money integrated exchange server and the individual intermediary member company server based on the determined bonds and debts, wherein a first required period of a settlement process, which is a deposit and withdrawal procedure based on the transaction signing information between the intermediary member company server and the user terminal device, is different from a second required period of a clearing process between the virtual money integrated exchange server and the intermediary member company server.

Further, a virtual currency integrated exchange server according to an embodiment of the present invention includes: and a clearing danger control unit which detects a clearing danger situation based on purchase request information and sale request information of the virtual money received by the plurality of intermediary member company servers, and transmits a preliminary clearing notification signal to the corresponding intermediary member company server in the case of detecting the clearing danger situation, wherein the clearing flow execution unit completes a clearing flow between the virtual money integrated exchange server and the intermediary member company server before executing a settlement flow between the intermediary member company server and the user terminal device in the case of transmitting a preliminary clearing request signal to the clearing danger control unit in correspondence with the preliminary clearing notification signal.

The above-described solution to the problem is merely illustrative and is not to be construed as limiting the present invention. In addition to the embodiments illustrated above, there are additional embodiments of the drawings and detailed description of the invention.

ADVANTAGEOUS EFFECTS OF INVENTION

The solution to the problem of the present invention described above provides a virtual money transaction system that ensures the integrity of transactions by ensuring the diversity of virtual money transactions through virtual money transactions between mutually different virtual money transaction brokers and by introducing comprehensive management to integrate virtual money of a plurality of virtual money transaction brokers into a whole transaction.

The solution to the problem of the present invention described above provides a virtual money transaction system including a liquidation reserve money system and a preliminary liquidation system for guaranteeing settlement between a virtual money integrated exchange for performance and a plurality of virtual money transaction brokerages (a plurality of member companies) and for allowing a user using the virtual money transaction system to perform a virtual money transaction depending on the user.

However, the effects obtained by the present invention are not limited to the above-described effects, and there are other effects.

Drawings

Fig. 1 is a diagram showing the configuration of a virtual money transaction system of an embodiment of the present invention;

FIG. 2 is a diagram of a clearing process and settlement process for illustrating one embodiment of the invention;

fig. 3 is a diagram showing a structure of a virtual currency integrated exchange server according to an embodiment of the present invention;

fig. 4 is a diagram for explaining a type of the intermediating member company server of the virtual money transaction system of the embodiment of the present invention.

Description of the reference numerals

10 virtual money transaction system

Private network 20

30 network

40 user terminal equipment

100 virtual currency integrated exchange server

110 signing information management part

120 server communication part

130 pre-deposit fund management part

140, clearing flow execution part

150, clearing danger control part

200 intermediary member company server

300 blockchain network

Detailed Description

Embodiments of the present invention will be described in detail below with reference to the accompanying drawings so that those skilled in the art can easily practice the invention. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. In the drawings, for the purpose of clearly explaining the present invention, portions not related to the explanation are omitted, and like reference numerals are given to like portions throughout the specification.

Throughout the specification of the present invention, when a certain portion is referred to as being "connected" to another portion, it includes a case of being "directly connected" and also includes a case of being "electrically connected" or "indirectly connected" with another element interposed therebetween.

Throughout the specification of the present invention, when a certain component is referred to as being "on", "above", "upper", "lower" or "lower" another component, it includes a case where the certain component is in contact with another component, and also includes a case where another component is present between the two components.

Throughout the present specification, when a certain portion is referred to as "including" a certain constituent element, it means that other constituent elements are not excluded and are included unless otherwise specified.

Fig. 1 is a diagram showing the configuration of a virtual money transaction system of an embodiment of the present invention.

Referring to fig. 1, the virtual money transaction system 10 includes: a virtual currency integrated exchange server 100 and an intermediary member company server 200. Illustratively, the intermediary member company server 200 includes a plurality of servers.

The virtual currency integrated exchange server 100 receives purchase request information and sale request information of virtual currency from the intermediary member company server 200, and registers a transaction of virtual currency by matching the purchase request information and the sale request information satisfying transaction conditions based on deal information.

Also, according to an embodiment of the present invention, the virtual currency integrated exchange server 100 performs internal transactions and external transactions. The internal transaction refers to a transaction between user terminal devices associated with the same intermediary member company server, and the external transaction refers to a transaction between user terminal devices associated with different intermediary member company servers, respectively.

Referring to fig. 1, the inter-user terminal device transaction, for example, the transaction between the user terminal device 41 and the user terminal device 42, associated with one intermediary member company server 200 is an internal transaction associated with the same intermediary member company server 200. In contrast, the transactions between the user terminal devices associated with the respective intermediary member company servers 200, 201 different from each other, for example, the transactions between the user terminal device 41 and the user terminal devices 43 associated with the other intermediary member company servers 201, are external transactions.

Also, in association with the internal transaction and the external transaction, according to an embodiment of the present invention, the virtual currency integrated exchange server 100 preferentially matches the sign of the internal transaction among the plurality of purchase request information and sale request information. Specifically, the virtual currency integrated exchange server 100 receives the purchase request information and the sale request information and the identifiers of the intermediary member company servers 200 from the plurality of intermediary member company servers 200. The virtual currency integrated exchange server 100 preferentially matches the purchase request information and the sale request information associated with the same intermediating member company server based on the intermediating member company server identifier.

Also, according to an embodiment of the present invention, the virtual currency integrated exchange server 100 records the transaction establishment information in the virtual currency transaction record.

According to an embodiment of the present invention, the virtual money integrated exchange server 100 transmits the virtual money transaction summary transaction signing information to the block chain network 300, so as to update the virtual money change status of each intermediary member company server 200. In this case, the transaction approval information for each of the virtual money transactions includes the type of virtual money to be traded, the matched purchase request information and sale request information, withdrawal details, and deposit details.

Also, according to an embodiment of the present invention, the virtual currency integrated exchange server 100 transmits the binding transaction subscription information to the blockchain network according to the intermediary member company server 200.

The status of the blockchain network 300 is self-explanatory to a person of ordinary skill, and a detailed description is omitted.

The virtual currency integrated exchange server 100 transmits the transaction price information and the transaction signing information to the intermediary member company server 200.

The intermediary member company server 200 provides a system in which an existing customer or a new customer deals virtual money, and manages the assets of the customer.

For example, the intermediary member company server 200 is another server connected to the financial company server or the financial company server. The intermediary member company server 200 provides the customer with an account of cash and virtual money, and the customer performs a cash transaction by purchasing or selling the virtual money with the cash by depositing and putting in the cash and virtual money. In the case where the intermediary member company server 200 is a financial institution server, the cash deposit and withdrawal is performed using its own account, and in the case where the intermediary member company server is not a financial institution server, the cash account management is performed by linking with the financial institution or performing separate deposit and withdrawal.

Also, according to an embodiment of the present invention, the intermediating member company server 200 is a platform member intermediating member company server or an exchange member intermediating member company server.

The platform member intermediation member company server uses the same system or platform as the virtual money integrated exchange server 100 for the original general ledger, investment information, and channel for the virtual money transaction.

The exchange member company server is used as an institutional financial circle or other virtual currency exchange, the original general ledger for virtual currency exchange uses a system of the exchange member company server, and only the matching module for sharing the bargaining price between the intermediary member company servers is used in the same way as the virtual currency comprehensive exchange server.

The intermediating member company server 200 transmits the purchase request information and the sale request information transmitted from the user terminal device 40 to the virtual currency integrated exchange server 100.

The intermediary member company server 200 receives the transaction information and the transaction signing information from the virtual currency integrated exchange server 100 and provides the received information to the user terminal device 40.

According to an embodiment of the present invention, the virtual money integrated exchange server 100 and the intermediating member company server 200 communicate through the interconnected private network 20. The private network 20 refers to a private communication line between the virtual money exchange server 100 and the intermediary member company server 200, and includes, for example, an encrypted communication channel through vpn (virtual private network). The private network 20 is not connected to a general ethernet network, and thus can prevent the risk of external intrusion into the virtual money account or the address of the virtual money wallet. The plurality of intermediary member company servers 200 of the private network 20 are independently connected to the virtual currency integrated exchange server 100, respectively. For example, the private network 20 monitors the connection status to the communication line using heartbeat (heartbeat) communication. More specifically, the communication between the virtual money integrated exchange server 100 and the intermediary member company server 200 is performed through a communication channel encrypted by a private line or a VPN for security, and the corresponding intermediary member company server 200 confirms whether it is a normal intermediary device through a registration process, and confirms the connection state to the communication line through heartbeat (heartbeat). A communication packet is formed in a transaction processing format by a protocol definition of communication, and is classified into market data in a broadcast format and transaction data such as purchase, sale, and sign. The broadcast information utilizes multicast packets, and the transaction data is a TCP session for transceiving data using a specific interface.

Further, according to an embodiment of the present invention, the market information, the bargain information, the purchase request information, the sale request information, the transaction signing information, the withdrawal transaction details, and the deposit details transmitted and received between the virtual currency integrated exchange server 100 and the intermediary member company server 200 are transmitted and received in a broadcast information format which is configured as a communication packet in a transaction processing format by defining a protocol for communication.

The user terminal device 40 is a main body that is associated with the intermediary member company server 200 and that deals with virtual money through the intermediary member company server 200. The user terminal device 40 is, for example, a Smart phone (Smartphone), a Smart Pad (Smart Pad), a desktop computer, a PCS (Personal Communication System), a GSM (Global System for Mobile Communication), a PDC (Personal Digital Cellular phone), a PHS (japanese Digital Wireless telephone System), a PDA (Personal Digital assistant), an IMT (International Mobile telecommunications), an International Mobile telecommunications Access) 2000, a CDMA (Code Division Multiple Access) Access 2000, a W-CDMA (wideband Code Division Multiple Access), a Wireless Broadband Internet Access, and all kinds of Wireless Communication devices.

The user terminal device 40 and the intermediary member company server 200 communicate with each other via a network 30, the network 30 being a wired or wireless connection structure capable of exchanging information between the respective nodes such as the terminal device and the server, examples of the Network include, but are not limited to, a 3GPP (3 rd Generation Partnership Project) Network, an LTE (Long Term Evolution) Network, a 5G Network, a WIMAX (worldwide Interoperability for microwave access) Network, an ethernet (Internet), a LAN (Local Area Network), a Wireless LAN (Wireless Local Area Network), a WAN (Wide Area Network), a pan (personal Area Network), a Bluetooth (Bluetooth) Network, a satellite Broadcasting Network, an analog Broadcasting Network, a DMB (Digital Multimedia Broadcasting ) Network, and the like.

Also, according to an embodiment of the present invention, the intermediating member company server 200 manages an original general ledger recording deposit and withdrawal details of virtual money of the cash account and the virtual money account for each user terminal device 40 associated with the intermediating member company server 200. For example, the intermediary member company server 200 manages deposit and withdrawal of cash and virtual money accounts associated with the user terminal device 40. In the case of signing a transaction of virtual money, the retention details of the cash account and the virtual money account are changed. The intermediating member company server 200 monitors the change of the virtual money holding details, and updates the original general ledger recording the deposit and withdrawal details of the virtual money based on the transaction of the virtual money.

Also, according to an embodiment of the present invention, the intermediating member company server 200 receives at least one of the purchase request information and the sale request information from the user terminal device 40. Also, the intermediating member company server 200 controls communication with the private network 20 of the virtual money integrated exchange server 100. Specifically, the intermediating member company server 200 receives the buying and selling information (market information, bargain price) of the virtual money in a format set in advance from the virtual money exchange server 100 through the channel of the private network 20, and transmits the buying request information or the selling request information in a format set in advance through the other channel of the private network 20. A channel for transmitting and receiving market information and a channel for transmitting and receiving sales information are separately set and used in the private network 20, thereby improving security and rapidity.

Fig. 2 is a diagram for explaining a clearing flow and a settlement flow of one embodiment of the present invention.

Referring to fig. 2, the settlement process is a process in which the intermediary member company servers 200 and 201 receive transaction approval information of the corresponding transaction after the virtual money integrated exchange server 100 approves the transaction of the virtual money, and deposit and withdraw money in the cash account and the virtual money account are performed between the user terminal device 40 and the intermediary member company servers 200 and 201 based on the transaction approval information.

For example, the settlement process refers to a process in which the intermediary member company servers 200 and 201 change the cash accounts and the reservation details of the virtual money accounts of the buyer and the seller involved in the transaction made by the virtual money integrated exchange server 100. At this time, the intermediary member company servers 200 and 201 introduce virtual money of a transaction subscription degree into the virtual money held by the intermediary member company servers 200 and 201 themselves based on the transaction subscription information at the user terminal devices corresponding to the buyers, and pay the loan to the cash account of the buyers, and add the virtual money of the transaction subscription degree to the virtual money held by the intermediary member company servers 200 themselves based on the transaction subscription information at the user terminal devices corresponding to the sellers, and pay the loan to the cash account of the sellers.

At this time, in the case where the total amount of the guided virtual money held by the intermediating member company servers 200 and 201 does not satisfy the degree of guiding the virtual money to be signed up for the user terminal device corresponding to the purchaser, the intermediating member company servers 200 and 201 request the virtual money comprehensive exchange server 100 to borrow the corresponding virtual money.

The clearing flow is a program for the virtual currency integrated exchange server 100 to aggregate the entire transaction order information, to offset the bonds and debts of the plurality of intermediary member company servers 200 and 201, and to perform deposit and withdrawal of the cash account and the virtual currency account between the virtual currency integrated exchange server 100 and the individual intermediary member company servers 200 and 201 based on the bonds and the debts thus identified.

Further, according to an embodiment of the present invention, the clearing process is a series of processes in which the virtual currency integrated exchange 100 intervenes in all virtual currency transactions signed between the entire user terminal devices associated with the plurality of intermediary member company servers 200 and 201, becomes a buyer for all sellers, and becomes a seller for all buyers, thereby cancelling bonds and bonds of the plurality of intermediary member company servers, determining them, and guaranteeing the performance of settlement.

Further, according to an embodiment of the present invention, a first required period of a settlement flow between the intermediating member company servers 200 and 201 and the user terminal device 40 is different from a second required period of a settlement flow between the virtual currency integrated exchange server 100 and the intermediating member company server 200.

According to an embodiment of the present invention, in the settlement process, when the transaction is the internal transaction, the virtual money and the cash are exchanged in time by the intermediary member company server 200 or 201 from the virtual money account and the cash account reserved by the intermediary member company server 200 or 201 through the user terminal device 40 associated with the intermediary member company server 200 or 201 of the customer involved in the transaction.

Further, according to an embodiment of the present invention, in the settlement process, when an external transaction is made between user terminal devices associated with different intermediary member company servers 200 and 201, each intermediary member company server exchanges virtual money and cash for the transaction with the user terminal device of a customer who participates in the transaction in time before exchanging virtual money and cash corresponding to the transaction with another intermediary member company server.

That is, in the case where the transaction to be made is an internal transaction and in the case of an external transaction, the required period of the settlement flow is the same first required period.

In particular, bonds and debts between the intermediary member company servers different from each other, which occur during the settlement process of the external transaction, are executed with the virtual currency integrated exchange server 100 interposed therebetween during the settlement process.

That is, although the transaction is completed based on the purchase request information and the sale request information, in the case where the exchange of cash and virtual money cannot be actually completed in the event of an unpredictable problem, the transaction in which the purchaser has previously saved a loan but cannot accept the corresponding virtual money, or the seller first changes hands to the virtual money but cannot pay the loan is prevented, and therefore, in order to quickly perform the change of the cash deposit or the virtual money corresponding to the transaction by the intermediary member company server 200 after the transaction in which the purchaser or the seller has made the virtual money is made, it is preferable that the settlement flow is completed as soon as possible after the transaction is made.

Further, according to an embodiment of the present invention, the second required period of the settlement flow is longer than the first required period of the settlement flow.

As described above, unlike the settlement process which is preferably completed as quickly as possible after the completion of the transaction, the settlement process between the virtual currency integrated exchange server 100 and the plurality of intermediary member company servers 200 collects the transaction completion information of the entire internal transaction and the entire external transaction which are completed within a certain period of time, and the required period of the settlement process, i.e., the second required period, is set to be longer than the required period of the settlement process, i.e., the first required period, in order to determine the procedure of checking the bonds and the liabilities to be settled between the plurality of intermediary member company servers 200.

Also, according to an embodiment of the present invention, the first required period of the settlement flow is exemplified as a current day on which the corresponding transaction is made, and for this case, the second required period of the settlement flow is exemplified as a next day on which the corresponding transaction is made.

That is, in the case where the seller and the buyer who participate in the virtual money transaction do not distinguish whether the transaction to be made is an internal transaction or an external transaction, cash and virtual money corresponding to the transaction are received during the current day of the transaction to be made, and the virtual money integrated exchange server 100 liquidates bonds and debts determined for each of the plurality of intermediary member company servers 200 during the next day of the transaction to be made based on the entire transaction made during the one day.

As described above, the settlement flow and the clearing flow are provided with a time difference, and thus the virtual currency integrated exchange server 100 should have a means for guaranteeing the execution of the debt to be executed by each of the plurality of intermediary member company servers 200 in the clearing flow.

In other words, in order to perform a virtual money transaction that is trusted by a user (customer) using the virtual money transaction system 10 of the present invention, the virtual money integrated exchange server 100 can control and prevent an accident that cannot be performed or predicted due to a time difference, because a first required period that is a required period of a settlement flow and a second required period that is a required period of a clearing flow are different.

In connection with this, the virtual currency integrated exchange server 100 stores the clearing reservation amount information prestored for each of the plurality of intermediating member company servers so as to guarantee the fulfillment of the clearing flow.

Specifically, the clearing advance funds can prevent the possibility that the debt of the virtual money integrated exchange server 100 of one intermediating member company server 200 or the debt of the other intermediating member server 201 is not fulfilled within the clearing flow finally executed by the clearing flow occurring through the clearing flow between the intermediating member company server 200 and the user terminal device 40.

That is, the virtual currency integrated exchange server 100 provides a highly reliable virtual currency transaction system by pre-storing a settlement pre-deposit money for each intermediary member company server for the entire transaction that has occurred, thereby securing the integrity of the transaction by securing the performance of the anti-settlement money and reducing the risk that the buyer or seller who participates in the transaction cannot pay the loan or cannot accept the virtual currency.

The virtual currency integrated exchange server 100 determines a clearing prestored money for each individual intermediating member company server 200, 201, the clearing prestored money being determined by the kind of virtual currency (e.g., bitcoin, ethernet coin, rembo coin, etc.) as the object of the transaction. The categories of the virtual money include the entire virtual money currently traded in the market and issued or generated virtual money, tokens, coins, and the like.

Also, according to an embodiment of the present invention, the clearing advance money determines at least one of the legal money or the virtual money as a unit.

The intermediating member company servers 200 and 201 which pre-store the liquidation advance funds in the virtual money general exchange server 100 request the liquidation advance funds to borrow the corresponding kind of virtual money from the virtual money general exchange server 100 according to the shortage degree when the virtual money transferred from the user terminal device 40 exceeds the total amount of the virtual money reserved by the intermediating member company servers in the settlement process.

Also, according to an embodiment of the present invention, the virtual money integrated exchange server 100 provides the virtual money corresponding to the shortage and offsets the degree of provision of the clearing advance money, in the case where there already exists the virtual money corresponding to the kind of the clearing advance money pre-stored in the intermediary member company server 200, 201 requesting the borrowing of the virtual money.

At this time, the virtual money integrated exchange server 100 provides the intermediary member company servers 200 and 201 with the virtual money of the shortage amount, and acquires the borrowing commission fee.

As described above, the settlement process is completed by the intermediating member company server of the virtual money of which the liquidation prestored money is not paid enough in advance at the virtual money exchange server 100 and the user terminal device which requests the purchase using the liquidation prestored money.

In contrast, in the case where there is no virtual money of the type corresponding to the settlement prestored metal prestored in the intermediary member company server 200 or 201 requesting the borrowing of the virtual money or the amount smaller than the requested amount is prestored, the virtual money corresponding to the shortage is provided in advance, and the corresponding virtual money or cash corresponding to the provided portion is paid out in the later settlement flow program.

And, the clearing process is performed in such a manner that the bonds and debts determined by the intermediary member company server are offset in the clearing advance fund.

And, the liquidation pre-stored fund comprises a basic pre-stored fund and a variable pre-stored fund.

And, the basic advance money is determined based on conditions that have been set for legal money or at least one type of virtual money.

For example, the basic deposit is determined at different levels for the individual intermediating member company server and the individual virtual money type based on the number of joined customers (the number of associated user terminal devices) held by the individual intermediating member company server 200 and the transaction amounts of the virtual money integrated exchange server 100 and the individual intermediating member company servers 200, 201, and the legal money or the main virtual money (for example, bitcoin, ethernet coin, alias Platform token) in which a large transaction amount exists is calculated in units of money.

The change pre-deposit is determined based on an average offset value for each virtual money type in a predetermined period.

The average offset money is determined by subtracting the average purchase amount from the average sale amount in the set period of the corresponding virtual money type.

According to an embodiment of the present invention, the changing pre-existing money determines the corresponding virtual money in units such that the set period is set to three months so as to correspond to an amount corresponding to 10% of the average offsetting money.

For example, in the case where the value of one unit of each virtual money is decreased within a set period of time by adding the value of subtracting the average purchase amount to the average sale amount within the set period of time by the intermediary member company server 200, the virtual money of a larger amount than the existing amount is determined as the change fund in the virtual money integrated exchange server 100, and in the case where the value of one unit of each virtual money is decreased within the set period of time by the subtraction of the average purchase amount, the virtual money of a smaller amount than the existing amount is determined as the change fund in the set period of time by increasing the value of one unit of each virtual money.

In particular, in the case where the average purchase amount is higher than the average sale amount for a predetermined period (in other words, in the case where the average sale amount is a negative value minus the average purchase amount), since the value of one unit of each of the corresponding virtual money continuously increases for the predetermined period, the virtual money exchange server 100 prestores only the basic prestored money or cancels the corresponding amount of the basic prestored money based on the average cancelled money in the case where the intermediating member company server 200 does not have a changing prestored money for the corresponding virtual money.

In other words, since the market of the virtual money continuously changes, the case where the pre-stored money is settled for the number of the specific virtual money cannot reflect the case where the value of one unit money having the corresponding virtual money continuously changes, and thus the pre-stored money reflecting the basic pre-stored money and the changing trend of the market of the corresponding virtual money are pre-stored together.

The virtual currency integrated exchange server 100 detects a clearing danger condition based on the purchase request information and the sale request information.

According to an embodiment of the present invention, the clearing dangerous condition refers to a dangerous condition in which there is a possibility that the clearing flow or the settlement flow cannot be normally performed.

According to an embodiment of the present invention, the clearing risk condition includes a case where a difference between the purchase amount and the sale amount is excessively increased.

According to an embodiment of the present invention, the clearing danger situation includes a case where a virtual money purchase request of an amount much higher than the own virtual money holding amount of the intermediating member company server is transmitted through the specific user terminal device.

According to an embodiment of the present invention, the settlement risk condition includes a credit risk condition in which a risk that settlement cannot be performed by the intermediary member company server of the partner of the signed transaction is high.

According to an embodiment of the present invention, the liquidation risk condition includes an induced risk condition relating to liquidation of mortgage articles prestored in advance by the intermediary member company server in a case where settlement cannot be performed by the intermediary member company server.

According to an embodiment of the present invention, the clearing risk condition includes a market risk condition that occurs due to a price change of a market, and specifically, occurs with a change in a direction in which a market factor is not good when securities associated with intermediary member company servers that cannot perform settlement are arranged.

According to an embodiment of the present invention, the settlement risk condition includes a viewpoint risk condition that occurs due to a difference between settlement viewpoints of the customers participating in the transaction and the intermediary member company server.

According to an embodiment of the present invention, the clearing dangerous condition includes an operation dangerous condition, which refers to a danger of loss caused by obstacles and errors of the whole electronic computing system used for the transaction of the virtual money, internal control insufficiency or failure, staff error and management failure.

However, the types of the clearing dangerous situation include various exceptional situations in which it is impossible to predict that the clearing flow or the settlement flow cannot be executed correctly as exemplary materials.

Further, according to an embodiment of the present invention, the virtual currency integrated exchange server 100 analyzes the purchase request information and the sale request information to detect whether or not a difference between the purchase amount and the sale amount exceeds a predetermined level, and determines whether or not to correspond to a clearing risk situation.

Further, according to an embodiment of the present invention, the virtual currency integrated exchange server 100 monitors the transaction reliability, the reverse settlement fulfillment frequency, and the like of the customer associated with the intermediating member company server 200, and thereby determines whether or not the credit risk situation is satisfied.

Further, according to an embodiment of the present invention, the virtual currency integrated exchange server 100 analyzes the market movement, the increase progress of the purchase amount or the sales amount, the transaction signing information, and the like of the virtual currency type, and determines whether or not the induced risk condition, the market risk condition, or the viewpoint risk condition corresponds to the virtual currency type.

Further, according to an embodiment of the present invention, the virtual currency integrated exchange server 100 monitors the electronic computing system, the customer management system, and the like of the intermediary member company server 200, and determines whether or not the operation risk situation corresponds to the virtual currency integrated exchange server.

Then, the virtual currency integrated exchange server 100 transmits a preliminary settlement notification signal to the intermediary member company server 200 for a case corresponding to the settlement risk situation.

According to an embodiment of the present invention, the preliminary liquidation notification signal is transmitted using various transmission means such as a text message, a mail, a manager page, and the like.

The intermediary member company server 200 transmits a preliminary clearing request signal to the virtual currency integrated exchange server 100 in response to the preliminary clearing notification signal.

When the virtual currency integrated exchange server 100 receives the preliminary clearing request signal, the clearing process between the virtual currency integrated exchange server and the intermediary member company servers 200 and 201 is completed, and then the settlement process between the intermediary member company servers 200 and 201 and the user terminal device 40 is performed.

For example, in a settlement risk situation where a virtual money purchase request (at the time of making a contract) occurs in an amount far exceeding the amount of the virtual money held by the mediating member company servers 200 and 201, the transmission of the preliminary clearing notification signal by the virtual money integrated exchange server 100 and the preliminary clearing request by the mediating member company servers 200 and 201 are sequentially performed, the virtual money integrated exchange server 100 pays a shortage of the purchase request amount excluding the amount of the virtual money held by the mediating member company servers 200 to the mediating member company server 200 between the virtual money integrated exchange server 100 and the mediating member company server 200 for the preliminary clearing, and the mediating member company server 200 completes the clearing process of paying the loan corresponding to the purchase request amount in the virtual money integrated exchange server 100 in advance of the clearing process, after the settlement flow is completed, the intermediating member company server 200 hands over the virtual money paid by the virtual money integrated exchange server 100 to the purchase requester, and performs a settlement flow between the intermediating member company server 200, which pays the loan corresponding thereto, and the user terminal device 40 corresponding to the purchaser.

According to an embodiment of the present invention, the virtual money integrated exchange pays a pre-stored settlement advance of the corresponding virtual money according to a preparation settlement request of the intermediating member company server.

For example, in the case where a virtual money purchase request exceeding the amount of the virtual money reserved in the intermediary member company server 200 itself is transmitted through the specific user terminal device (at the time of subscription of the purchase request) as described above, the intermediary member company server 200 requests the virtual money integrated exchange server 100 to borrow the virtual money, whereby the virtual money integrated exchange server 100 pays a shortage and a settlement flow between the user terminal device requesting the purchase and the intermediary member company server is performed, and then in the settlement flow program, accounting and commission payment (own settlement, settlement after settlement) for the shortage can be performed between the virtual money integrated exchange server and the intermediary member company server, and at the time of the purchase request (at the time of subscription) by the virtual money integrated exchange server 100, if the amount of virtual money held by the intermediary member company server 200 exceeds a predetermined level or more and it is determined that the situation corresponds to a settlement risk situation, the settlement process for paying the insufficient amount of virtual money and paying the loan and the commission fee between the virtual money integrated exchange server 100 and the intermediary member company server 200 is completed in advance, and then the settlement process between the intermediary member company server 200 and the user terminal device requesting the purchase can be completed in the following. (preliminary clearing, clearing first and settlement later).

That is, the settlement flow cannot be smoothly performed by the preliminary settlement, and after the settlement flow between the intermediary member company server and the user terminal device is previously completed without any measures, in a settlement dangerous situation in which the subsequent settlement flow cannot be smoothly performed, the settlement flow between the virtual money integrated exchange server and the intermediary member company server relating to the settlement dangerous situation is first executed, and thus, the subsequent settlement flow can be safely executed.

Fig. 3 is a diagram showing a structure of a virtual currency integrated exchange server according to an embodiment of the present invention.

The virtual money exchange server 100 described below is referred to as having the same or corresponding technical features as the virtual money integrated exchange server 100 described in the virtual money exchange system 10 according to the embodiment of the present invention described above, and thus, a repetitive description thereof will be briefly made or omitted.

Referring to fig. 3, the virtual currency integrated exchange server 100 includes: a subscription information management unit 110, a server communication unit 120, a pre-deposit management unit 130, a liquidation flow execution unit 140, and a liquidation risk control unit 150.

The subscription information management section 110 receives purchase request information and sale request information transmitted from the user terminal device 40 to the intermediary member company server 200 from the intermediary member company server, matches the purchase request information and the sale request information satisfying transaction conditions based on deal information, and generates and records transaction subscription information based on the matching.

According to an embodiment of the present invention, the signing information management part 110 signs an internal transaction between user terminal devices associated with the same intermediary member company server and an external transaction between user terminal devices associated with different intermediary member company servers, respectively.

Also, according to an embodiment of the present invention, the subscription information management part 110 preferentially matches the subscription of the internal transaction among the plurality of purchase request information and sale request information.

Further, according to an embodiment of the present invention, the order information management unit 110 transmits the virtual money transaction summary transaction order information to the block chain network 300, and updates the virtual money change status of each intermediary member company server 200. In this case, the transaction signing information for the virtual money transaction includes the type of the virtual money to be traded, the matched purchase request information and sale request information, the withdrawal details, and the deposit details.

The server communication part 120 transmits the transaction signing information to the intermediary member company server associated with the matched purchase request information and sale request information through a network interconnected with the intermediary member company server.

According to an embodiment of the present invention, the server communication unit 120 communicates via the network using a vpn encrypted communication channel and heartbeat (heartbeat).

Further, according to an embodiment of the present invention, the transaction contract information is transmitted and received in the form of broadcast information configured as a communication packet in a transaction processing form by a protocol definition of communication.

The pre-deposit fund management part 130 determines a liquidation pre-deposit fund to guarantee the fulfillment of the liquidation process, and the plurality of intermediary member company servers respectively store the liquidation pre-deposit fund information by virtual money type.

According to an embodiment of the present invention, the pre-deposit fund management part 130 stores the pre-deposited liquidation reserve fund information for each of the plurality of intermediation member company servers to guarantee the fulfillment of the liquidation process.

Also, according to an embodiment of the present invention, the pre-deposit fund management part 130 determines the clearing pre-deposit fund for each individual intermediary member company server, the clearing pre-deposit fund being determined by a kind of virtual money (for example, bitcoin, ethercoin, rembo coin, etc.) which is an object of the transaction. The category of the virtual money includes virtual money, tokens, coins, and the like, which is newly issued or generated together with the entire virtual money currently traded on the market.

Also, according to an embodiment of the present invention, the clearing prestored money includes a basic prestored money determined based on a set condition for legal money or at least one type of virtual money, and a varying prestored money determined based on an average counteracting money for a type of virtual money within a set period.

The liquidation process executing part 140 aggregates the transaction signing information of the whole plurality of intermediary member company servers to offset bonds and debts, and processes the cash account and the deposit and withdrawal of the virtual money account between the virtual money integrated exchange server and the individual intermediary member company server based on the determined bonds and debts.

According to an embodiment of the present invention, the clearing process is a series of processes of intervening all virtual money transactions signed between the entire user terminal devices associated with the plurality of intermediary member company servers, becoming buyers for all sellers, becoming sellers for all buyers, and determining by canceling bonds and debts of the plurality of intermediary member company servers, thereby guaranteeing settlement fulfillment.

Further, according to an embodiment of the present invention, a first required period of a settlement flow, which is a deposit and withdrawal procedure based on the transaction signing information between the intermediating member company server and the user terminal device, is different from a second required period of a clearing flow between the virtual money integrated exchange server and the intermediating member company server.

According to an embodiment of the present invention, the settlement process refers to a procedure in which the intermediary member company server 200 changes the cash accounts and the reservation details of the virtual money accounts of the buyer and the seller participating in the transaction signed by the virtual money integrated exchange server 100.

Further, according to an embodiment of the present invention, the second required period of the settlement flow is longer than the first required period of the settlement flow.

Furthermore, according to an embodiment of the invention, the first required period of the settlement procedure is, for example, the day on which the corresponding transaction was signed, and for this case, the second required period of the clearing procedure is the day next to the day on which the corresponding transaction was signed.

The clearing risk control part 150 detects a clearing risk situation based on the purchase request information and the sale request information of the virtual money received by the plurality of intermediary member company servers, and transmits a preliminary clearing notification signal to the corresponding intermediary member company server in case of detecting the clearing risk situation.

In the case where the intermediary member company server transmits the preliminary clearing request signal to the clearing risk control unit in response to the preliminary clearing notification signal, the clearing flow execution unit 140 completes the clearing flow between the virtual money integrated exchange server and the intermediary member company server before performing the clearing flow between the intermediary member company server and the user terminal device.

Fig. 4 is a diagram for explaining a type of the intermediating member company server of the virtual money transaction system of the embodiment of the present invention.

Referring to fig. 4, the intermediating member company server 200 includes a platform member intermediating member company server a or an exchange member intermediating member company server b.

The platform member intermediation member company server uses the same system or platform as the virtual money integrated exchange server 100 for the matching module, the original general ledger, and the channel for the virtual money transaction.

The exchange member company server is used as an institutional financial circle or other virtual currency exchange, the original general ledger for virtual currency exchange utilizes the system of the exchange member company server, and only the matching module for sharing the bargaining price between the intermediary member company servers is used in the same way as the virtual currency comprehensive exchange server.

The present invention has been described for illustrative purposes, and those skilled in the art will appreciate that the present invention can be easily modified into other specific forms without changing the technical spirit or essential features of the present invention. Therefore, it should be understood that the above-described embodiments are illustrative in all respects, and not restrictive. For example, the respective components described in the singular form may be implemented in a dispersed manner, and similarly, the components described in the dispersed manner may be implemented in a combined manner.

The scope of the present invention is shown by the scope of claims, rather than the detailed description, and all changes and modifications derived from the meaning and scope of the claims and equivalent concepts should be interpreted as being included in the scope of the present invention.