TWI671698B - Method of digital asset transaction - Google Patents

Abstract

The digital asset transaction method of the present invention includes the following steps: one of the two electronic devices establishes a sales information, and the other electronic device establishes a purchase information; the transaction server terminal matches the sales information and the acquisition information to form matching information, and matches The information transmission creates an electronic device that sells information; the electronic device sends the matching information and private key information to the digital billing platform, so that digital assets are directly transmitted from one digital asset account to another digital asset account; finally, the transaction server terminal confirms the digital The assets have been transferred. The transaction server will transfer the transaction currency in one currency account to another currency account. As a result, the digital assets will not be transferred in the transaction server terminal, but the digital accounting platform will receive the private key information and matchmaking. After the data is transferred directly between the two digital asset accounts, the risk of digital asset theft can be reduced.

Description

Digital asset trading method

The invention relates to a digital asset transaction method, in particular to a digital asset transaction method that does not transfer digital assets at a transaction servo terminal.

In order to allow consumers to take public transportation without carrying cash when going out, make purchases at various stores, etc., transactions using digital assets have gradually become a pre-social trend. Among them, they are often used in the market today. Electronic transaction devices for digital assets (eg, electronic money) include electronic wallets, credit cards, stored-value cards, leisure cards, etc.

However, when a consumer purchases digital assets for stored value, the digital assets purchased by the consumer are stored in a connected transaction server terminal, and the electronic trading device stores information about the amount of digital assets, and When a consumer wants to conduct a consumer transaction through an electronic transaction device, the electronic transaction device will be connected to the transaction server terminal via a card reader network, so that digital assets are transferred in the transaction server terminal, and the amount information will be updated at the same time. To indicate the amount of digital assets remaining.

Among them, since the digital assets are stored in the transaction server terminal, and the transaction server terminal is continuously connected to the Internet, if the protective device (such as a firewall) that protects the security of the digital asset is defective, a person with interest (such as a hacker) may Digital assets can be stolen through flaws in protective devices, resulting in financial loss to consumers.

The main purpose of the present invention is that digital assets are not stored in the transaction servo terminal connected to the Internet, so that when digital assets are used for consumer transactions, the digital assets are not transferred in the transaction servo terminal, thereby preventing interested persons from stealing from the transaction servo terminal. Digital assets, which can improve the security of digital asset transactions.

To achieve the foregoing object, the present invention relates to a digital asset transaction method, including the following steps: establishing a seller's currency account and a buyer's currency account by a transaction matching platform, and then establishing a seller's digital asset account by a digital accounting platform and a The buyer's digital asset account, and the seller's digital asset account contains a digital asset and public information indicating the total amount of the digital asset.

A seller's closed storage device stores a private key information which authorizes the digital assets to be transferred, and is connected to a seller's electronic device, and the seller's electronic device creates a selling information for selling the digital asset and transmits the selling information. To a transaction server terminal connected to the transaction matching platform and the digital accounting platform, the transaction server terminal forms a seller transaction information through the above-mentioned selling information, public information, the seller's digital asset account, and the seller's currency account. The buyer's electronic device establishes acquisition information for purchasing the digital assets, and transmits the acquisition information to the transaction server terminal, so that the transaction server terminal forms buyer transaction information through the acquisition information, the buyer's digital asset account, and the buyer's currency account.

In this embodiment, the transaction server terminal confirms that the sales amount of the sales information is less than or equal to the total amount in the public information, so that the transaction server terminal forms the seller transaction information, and the transaction server terminal confirms the sales information. The sales quota is greater than the total quota in the above-mentioned public information, so that the above-mentioned transaction server terminal will not form the above-mentioned seller's transaction information.

The transaction server terminal confirms that the acquisition amount of the acquisition information is less than or equal to the total currency amount in the buyer's currency account, so that the transaction server terminal forms the buyer transaction information, and the transaction server terminal confirms that the acquisition information acquisition amount is greater than the above. The total amount of money in the buyer's currency account, so that the above transaction server terminal will not form the above buyer transaction information.

In addition, the transaction server terminal matches the seller transaction information and buyer transaction information to form at least one match information, and then transmits the match information to the seller electronic device, wherein the seller closed storage device passes the private key information through the seller key information. Form a signature information passed to the seller's electronic device, and the seller electronic device forms an asset transfer information through the matching information, and transmits the signature information and asset transfer information to the digital billing platform, so that the digital asset directly Transfer to the buyer's digital asset account on the digital billing platform.

Finally, after the transaction server terminal confirms that the digital asset is transferred to the buyer digital asset account, the transaction server terminal transfers the transaction currency in the buyer's currency account to the seller's currency account. In this embodiment, the matching information has the above Seller transaction information and buyer transaction information above.

In this embodiment, when the seller's digital asset account transfers the digital asset to the buyer's digital asset account according to the asset transfer information, the transaction server terminal confirms the transfer of the digital asset to the buyer's digital asset through the asset transfer information. account.

The feature of the present invention is that when the transaction is confirmed, the seller's electronic device transmits the matching information and private key information to the digital accounting platform, so that the digital assets stored in the seller's digital asset account can be directly transferred to the buyer's digital asset account on the digital accounting platform. The digital assets will not be transmitted to the transaction server terminal, so that interested people will not have the opportunity to steal digital assets from the transaction server terminal.

1‧‧‧ Digital Asset Trading Method

10‧‧‧ Digital Asset Trading System

11‧‧‧ Seller's electronic device

111‧‧‧ Seller Application Software

12‧‧‧ Buyer Electronic Device

121‧‧‧ Buyer Application Software

13‧‧‧ Seller's Closed Storage Device

14‧‧‧Buyer closed storage

15‧‧‧Transaction Servo Terminal

16‧‧‧Internet

17‧‧‧Transaction Matching Platform

171‧‧‧Seller currency account

172‧‧‧Buyer currency account

18‧‧‧Digital Billing Platform

181‧‧‧Seller Digital Asset Account

182‧‧‧Buyer Digital Asset Account

S1‧‧‧Preliminary steps

S2‧‧‧Matching steps

S3‧‧‧ Confirmation steps

S4‧‧‧Preparing transaction steps

S5‧‧‧Transaction steps

S6‧‧‧Cancel transaction steps

FIG. 1 is a schematic flowchart of steps of a digital asset trading method in a first preferred embodiment; FIG. 2 is a schematic diagram of a module of a digital asset trading system; FIG. 3 is a schematic diagram of preliminary steps in FIG. 1; FIG. 4 is a matching step in FIG. FIG. 5 is a schematic diagram of the confirmation step in FIG. 1; FIG. 6 is a schematic diagram of the preliminary transaction step in FIG. 1; FIG. 7 is a schematic diagram of the transaction step in FIG. 1; and FIG. 8 is a schematic diagram of the cancellation step in FIG. 1; FIG. 9 is a schematic flowchart of steps in the second preferred embodiment.

In order to facilitate a deeper, clearer and more detailed understanding and understanding of the structure, use and features of the present invention, the preferred embodiments are given, and the detailed description with the drawings is as follows: Please refer to FIG. 1 and FIG. 2. In the first preferred embodiment, the digital asset transaction method 1 of the present invention is used in conjunction with a digital asset transaction system 10, which has a plurality of seller electronic devices 11, a plurality of buyer electronic devices 12, and a plurality of sellers closed. Storage device 13, a plurality of buyer-closed storage devices 14, and a transaction server terminal 15.

Each seller electronic device 11 has a seller application software 111 installed, and each buyer electronic device 12 has a buyer application software 121 installed. Among them, all the seller electronic devices 11 and all buyer electronic devices 12 can be actively connected to each other through a network. The Internet 16 on the transaction server terminal 15 enables all the seller electronic devices 11 and all the buyer electronic devices 12 to be connected to the transaction server terminal 15 via the Internet 16 while the seller application software 111 is not connected to the buyer application Software 121 that enables sellers to apply Both the software 111 and the buyer's application software 121 are in a disconnected state, and both the seller's electronic device 11 and the buyer's electronic device 12 can be set as mobile phones, computers, or tablets.

Each seller's closed storage device 13 cannot be actively connected to the Internet 16 and can be selectively connected or disconnected one to one of the plurality of seller application software 111. The seller's closed storage device 13 stores a seller's public information And a seller private key information. When the seller closed storage device 13 is connected to the seller application software 111, the seller closed storage device 13 can be connected to the Internet 16 through the seller electronic device 11.

Each buyer's closed storage device 14 cannot be actively connected to the Internet 16 and can be selectively connected or disconnected one to one of a plurality of buyer application software 121. The buyer's closed storage device 14 stores a buyer's public information And a buyer's private key information. When the buyer's closed storage device 14 is connected to the buyer's application software 121, the buyer's closed storage device 14 can be connected to the Internet 16 through the buyer's electronic device 12. In this embodiment, Both the seller-enclosed storage device 13 and the buyer-enclosed storage device 14 can be configured as electronic cards with security chips.

In this embodiment, both the digital assets of the seller and the digital assets of the buyer are set as electronic money or valuable electronic items. As shown in the figure, the transaction server terminal 15 is connected to a transaction matching platform 17 and the transaction matching platform 17 There are a plurality of seller currency accounts 171 and a plurality of buyer currency accounts 172, wherein each seller currency account 171 corresponds to one of the plurality of seller closed storage devices 13, and each buyer currency account 172 one to one Corresponding to one of the plurality of buyer-closed storage devices 14, and both the seller's currency account 171 and the buyer's currency account 172 have transaction currency.

In addition, the Internet 16 is connected to a digital accounting platform 18. The digital accounting platform 18 has a plurality of seller digital asset accounts 181 and a plurality of buyer digital asset accounts 182. One seller digital asset account 181 corresponds to one of the multiple seller closed storage devices 13 one-to-one, and each seller digital asset account 181 stores a seller digital asset and the above-mentioned seller public information, in which each buyer digital asset The account 182 corresponds one-to-one to one of the plurality of buyer-closed storage devices 14, and each buyer digital asset account 182 stores a buyer digital asset and the buyer's public information described above.

In this embodiment, the above-mentioned seller's public information of the seller's closed storage device 13 is a type of information that can be read by anyone, and is used to indicate the total amount of the seller's digital assets, whereby the seller can directly use the seller's closed storage device. The above-mentioned seller's public information shown in 13 understands the total amount of the above-mentioned seller's digital assets without having to connect to the digital accounting platform 18 through the seller's electronic device 11 to obtain the above-mentioned seller's public information. In addition, the above-mentioned seller's private storage of the seller's closed storage device 13 is private Key information is information that cannot be read by anyone and can be used to transfer the above-mentioned seller's digital assets.

Wherein, the above-mentioned buyer's public information of the buyer's closed storage device 14 is information that can be read by anyone, and is used to indicate the total amount of the buyer's digital assets, whereby the buyer can directly display the information displayed by the buyer's closed storage device 14 The above-mentioned buyer's public information understands the total amount of the above-mentioned buyer's digital assets, and it is not necessary to connect to the digital accounting platform 18 through the buyer's electronic device 12 to obtain the above-mentioned buyer's public information. In addition, the above-mentioned buyer's private key information of the buyer's closed storage device 14 is Information that cannot be read by anyone and can be used to transfer the digital assets of the buyer mentioned above.

Please refer to FIG. 1 and FIG. 3, the seller's closed storage device 13 is connected to the seller application software 111 one-to-one, and the seller's electronic device 11 is connected to the transaction server terminal 15 via the Internet 16, so that the seller application software 111 It can be connected to the transaction server terminal 15 via the network, so that the seller's closed storage device 13, the seller application software 111, and the transaction server terminal 15 are connected. Then, each seller application software 111 establishes a sale of the seller's digital assets. Sales information and pass the above sales information To the transaction server terminal 15 so that the transaction server terminal 15 forms a seller transaction information through the above-mentioned selling information, the seller's public information, the seller's currency account 171, and the seller's digital asset account 181, wherein the above-mentioned selling information can indicate Sales quota.

The buyer's closed storage device 14 is connected to the buyer application software 121 one-to-one, and the buyer's electronic device 12 is connected to the transaction server terminal 15 via the Internet 16 so that the buyer application software 121 can be connected to the transaction server terminal 15 via the network. Then, the buyer's closed storage device 14, the buyer's application software 121 and the transaction server terminal 15 are connected. Then, each buyer's application software 121 establishes acquisition information for purchasing the above-mentioned seller's digital assets, and transmits the above acquisition information to The transaction server terminal 15 enables the transaction server terminal 15 to form buyer transaction information through the acquisition information, the buyer's currency account 172, and the buyer digital asset account 182, where when the transaction server terminal 15 forms the seller transaction information and buyer transaction information, That is, a preliminary step S1 is completed. At this time, the transaction server terminal 15 has a plurality of seller transaction information and a plurality of buyer transaction information. In this embodiment, the above-mentioned acquisition information can indicate an acquisition amount for purchasing the above-mentioned seller's digital assets.

In this embodiment, the transaction servo terminal 15 confirms that the sales quota in the above sales information is less than or equal to the total amount in the seller's public information, so that the transaction servo terminal 15 will form the above seller transaction information, otherwise, when the transaction servo terminal 15 confirms When the sales amount of the sales information is greater than the total amount in the seller's public information, the transaction server terminal 15 will not form the seller's transaction information.

In addition, the transaction server terminal 15 confirms that the acquisition amount of the acquisition information is less than or equal to the total amount of money in the buyer's currency account 172, so that the transaction server terminal 15 will form the buyer transaction information. Conversely, when the transaction server terminal 15 confirms the acquisition information, When the purchase amount is greater than the total amount of money in the buyer's currency account 172, the transaction server terminal 15 will not form the buyer's transaction information described above.

Please refer to FIG. 1 and FIG. 4. After the preparatory step S1 is completed, a matching step S2 is performed, so that the transaction server terminal 15 will match each seller transaction information with each buyer transaction information. When the transaction server terminal 15 finds one of them, When one seller's transaction information matches one of the buyer's transaction information, the transaction server terminal 15 will form a first matching information and a second matching information. The first matching information and the second matching information both have the seller transaction information and the buyer information. The transaction information, and the transaction server terminal 15 transmits the first matching information to the buyer application software 121, and then sends the second matching information to the seller application software 111.

Please refer to FIG. 1 and FIG. 5, when the seller application software 111 receives the above-mentioned second matching information, the seller's electronic device 11 will display the above-mentioned buyer transaction information (including acquisition information, buyer currency account 172) in the above-mentioned second matching information. And buyer digital asset account 182) and the above-mentioned seller transaction information (including the above-mentioned selling information, the seller's public information of the seller's digital asset, the seller's currency account 171, and the seller's digital asset account 181), and when the buyer application software 121 receives the first When the information is matched, the buyer's electronic device 12 displays the above-mentioned seller transaction information (including the above-mentioned selling information, the above-mentioned seller's public information of the seller's digital assets, the seller's currency account 171, and the seller's digital asset account 181) and the above-mentioned buyer's transaction information (including acquisition information, The buyer ’s currency account 172 and the buyer ’s digital asset account 182). Among them, the buyer is willing to purchase when viewing the above-mentioned seller transaction information. The buyer through the buyer application software 121 will form a buyer transaction verification information with the above-mentioned buyer and seller transaction information, and Transaction reconciliation information The service terminal 15 is passed to the seller application software 111, so that the seller's electronic device 11 simultaneously displays the buying and selling transaction information in the second matching information and the buying and selling transaction information of the buyer transaction verification information, and when the seller wants to conduct Transaction, and confirm that the buy and seller transaction information in the second matching information above matches the buy and seller transaction information in the buyer transaction check information, the seller can press the "confirm transaction" button displayed on the seller's electronic device 11 to complete a Confirm step S3.

Please refer to FIG. 1 and FIG. 6. After the confirmation step S3 is completed, a preliminary transaction step S4 is performed. Among them, because the seller presses the "confirm transaction" button, the seller's closed storage device 13 is formed by the seller's private key information. A signature information passed to the seller's electronic device 11 and the seller's application software 111 of the seller's electronic device 11 uses the above-mentioned second matching information to verify information with the buyer transaction to form an asset transfer information, and the seller's electronic device 11 transfers the above-mentioned assets Both the information and the signature information are transmitted to the digital billing platform 18 via the Internet 16. When the digital billing platform 18 receives the asset transfer information and the signature information, the digital billing platform 18 will confirm that the signature information is correct. The seller's digital assets located in the seller's digital asset account 181 are directly transmitted to the buyer's digital asset account 182 according to the asset transfer information, so that the buyer's digital asset account 182 stores the buyer's digital assets and the seller's digital assets.

Please refer to FIG. 1 and FIG. 7. When the seller's digital asset account 181 transfers the above-mentioned seller's digital assets to the buyer's digital asset account 182, the transaction server terminal 15 will confirm that the above-mentioned seller's digital assets have been transferred to the buyer according to the above-mentioned asset transfer information. The digital asset account 182, so that the transaction server terminal 15 can transfer the transaction currency of the buyer's currency account 172 to the seller's currency account 171, resulting in a decrease in the transaction currency of the buyer's currency account 172, and an increase in the transaction currency of the seller's currency account 171. This completes the transaction step S5.

Please refer to FIG. 1 and FIG. 8. In the confirmation step S3, if the seller does not want to conduct a transaction, or the buy and seller transaction information in the second matching information is different from the buy and seller transaction in the buyer transaction check information described above Information, the seller can press the "abandon transaction" button (shown in Fig. 5) displayed on the seller's electronic device 11 to immediately perform a transaction cancellation step S6, so that the seller's closed storage device 13 does not form signature information, and the seller The electronic device 11 will not generate asset transfer information, making the signature fund Information and asset transfer information will not be transmitted to the digital billing platform 18, resulting in the seller's digital assets being unable to be transmitted to the buyer's digital asset account 182.

Please refer to FIG. 9. In the second preferred embodiment, the difference from the first preferred embodiment is that the digital asset trading method 1 has only a preliminary step S1, a matching step S2, a preliminary transaction step S4, and a transaction step S5. Without confirming step S3 and canceling the transaction step S6, the seller does not need to confirm whether the buy and seller transaction information in the second matching information matches the buy and seller transaction information in the buyer transaction verification information, and then acts as a transaction server. When the terminal 15 sends the first matching information and the second matching information to the buyer application software 121 and the seller application software 111 respectively, the seller's electronic device 11 and the seller's closed storage device 13 will directly form the above-mentioned asset transfer information and signature. In addition, the seller electronic device 11 transmits the above-mentioned asset transfer information and signature information to the digital billing platform 18 via the Internet 16, so that the above-mentioned seller's digital assets are transferred to the buyer's digital asset account 182.

The above-mentioned embodiments are only used for the convenience of explaining the present invention and are not limited. Without departing from the spirit of the present invention, various simple deformations and modifications made by those skilled in the industry in accordance with the scope of the patent application and the description of the invention should still be applicable. Included in the scope of the following patent applications.

Claims (4)

A digital asset transaction method includes: establishing a seller's currency account and a buyer's currency account by a transaction matching platform, and then establishing a seller's digital asset account and a buyer's digital asset account by a digital billing platform, and the seller's digital asset account There is a digital asset and a public information indicating the total amount of the digital assets; a seller's closed storage device stores a private key information which authorizes the digital assets to be transferred, and is connected to a seller's electronic device, and the seller's electronic device Establish a sales information for selling the above digital assets, and pass the above sales information to a transaction server terminal connected to the transaction matching platform and the digital accounting platform, so that the transaction server terminal can pass the above sales information, public information, and seller digital The asset account and the seller's currency account form a seller's transaction information; a buyer's electronic device establishes acquisition information to purchase the digital assets, and passes the acquisition information to the transaction server terminal, so that the transaction server terminal passes the acquisition through the acquisition The buyer ’s digital asset account and the buyer ’s currency account form a buyer ’s transaction information; the transaction server terminal matches the seller ’s transaction information and the buyer ’s transaction information to form at least one matching information, and then transmits the above matching information to the seller ’s electronic device ; The seller's closed storage device forms a signature information passed to the seller's electronic device through the private key information, and the seller's electronic device forms an asset transfer information through the matching information, and combines the signature information and asset transfer information Send to the digital accounting platform, so that the digital assets are directly transferred to the buyer's digital asset account on the digital accounting platform; after the transaction servo terminal confirms that the digital assets are transferred to the buyer's digital asset account, the transaction servo terminal transfers the buyer's currency The transaction currency in the account is transferred to the seller's currency account mentioned above. The digital asset transaction method described in item 1 of the scope of patent application, wherein when the seller's digital asset account transfers the digital asset to the buyer's digital asset account based on the asset transfer information, the transaction server terminal uses the asset transfer information to Confirm the transfer of the above digital assets to the above buyer digital asset account. According to the digital asset transaction method described in item 1 of the scope of patent application, wherein the transaction server terminal confirms that the sales amount of the sales information is less than or equal to the total amount in the public information, so that the transaction server terminal forms the seller transaction information, The transaction server terminal confirms that the sales amount of the sales information is greater than the total amount in the public information, so that the transaction server terminal does not form the seller transaction information. The digital asset transaction method described in item 1 of the scope of patent application, wherein the transaction servo terminal confirms that the acquisition quota of the acquisition information is less than or equal to the total amount of currency in the buyer's currency account, so that the transaction servo terminal will form the buyer transaction The transaction servo terminal confirms that the acquisition quota of the acquisition information is greater than the total currency amount in the buyer's currency account, so that the transaction servo terminal does not form the buyer transaction information.