TW202022741A - Blockchain platform, and system and method of performing a transaction through a computer network - Google Patents

Abstract

A method of performing a transaction through a computer network is disclosed. The method comprises according to a virtual currency conversion request from a payer device, receiving, by a plurality of computer nodes, corresponding information of the virtual currency conversion request; setting, by the computer nodes, a cash conversion condition in a smart contract; and executing, by the computer nodes, the smart contract to perform a payment process and a cashing process of the transaction.

Description

區塊鏈平台、及網路交易之系統和方法Block chain platform, and network transaction system and method

本發明係與區塊鏈平台、區塊鏈網路及區塊鏈交易方法相關，尤其是與以區塊鏈技術紀錄產生交易紀錄之區塊鏈平台、區塊鏈網路及區塊鏈交易方法相關。The present invention is related to blockchain platforms, blockchain networks, and blockchain transaction methods, in particular to blockchain platforms, blockchain networks, and blockchain transactions that generate transaction records using blockchain technology records Method related.

自2008年中本聰公開比特幣白皮書以來，區塊鏈技術因其開放使所有節點共同維護資料、應用複雜密碼學加密及數學分散式演算法等特色，成為資料真實性具有公信力的公開資料寫錄技術。即使有部分節點***控而竄改了其中帳本記錄的資料，在未達到51%的節點喪失資料真實性時，錯誤的帳本記錄仍會被還原至真實的資料。因此，區塊鏈技術不僅僅可實現比特幣交易之帳本，在其他重要資訊的保存上也可體現其價值。Since Satoshi Nakamoto published the Bitcoin white paper in 2008, the blockchain technology, due to its openness, enables all nodes to jointly maintain data, apply complex cryptographic encryption and mathematical decentralized algorithms, etc., and has become a credible public data writing for data authenticity.录技术。 Recording technology. Even if some nodes are manipulated to tamper with the data in the ledger records, if less than 51% of the nodes lose the authenticity of the data, the wrong ledger records will still be restored to the real data. Therefore, blockchain technology can not only realize the account of Bitcoin transactions, but also reflect its value in the preservation of other important information.

時至今日，已有多個區塊鏈網路提供資料保存的服務，如：乙太坊（Ethereum）應用具有智慧合約功能的區塊鏈2.0技術。利用區塊鏈技術紀錄可自行設定合約條件的智慧合約，各節點並在符合合約條件的事件觸發下自動執行智慧合約，達到交易進度的推展。然而，習知利用區塊鏈的交易架構囿於使用電子虛擬貨幣，無法與大多數民眾慣於使用的法定貨幣連結，故而限制了其使用範疇。因此，亟需要發展具有區塊鏈技術之公信力同時可以使用法定貨幣進行交易的交易架構。Today, multiple blockchain networks have provided data storage services, such as Ethereum (Ethereum) using blockchain 2.0 technology with smart contract functions. Using blockchain technology to record smart contracts that can set contract conditions by themselves, each node automatically executes the smart contract under the trigger of an event that meets the contract conditions to achieve the progress of the transaction. However, the conventional use of the blockchain transaction structure is confined to the use of electronic virtual currency, and cannot be connected with the legal currency that most people are accustomed to using, thus limiting its scope of use. Therefore, there is an urgent need to develop a transaction structure that has the credibility of blockchain technology and can use legal currency for transactions.

本發明之一目的係在提供一種區塊鏈平台及區塊鏈交易方法，透過於區塊鏈網路重複執行一智能合約進行智能付款程序與智能請款程序以推進交易之進行。進行智能付款程序時，執行智能合約使得在與一銀行主機確認完成繳付一預定金額之法定貨幣或與一機構主機確認提交一定價值之非法定貨幣之貨幣、資產或物品之後，對應產生一預定數量之虛擬貨幣令牌。進行智能請款程序時確認完成兌現條件之後，銷毀對應兌現請求的虛擬貨幣令牌。進行上述程序時，較佳是適於在區塊鏈網路的資料庫中產生對應交易紀錄，使交易紀錄具有真實性及公信力之優勢。並且，透過上述機制可使產生的虛擬貨幣令牌與繳付的法定貨幣產生價值對應的連結性，藉此可使付款方或請款方得以法定貨幣支付或收取交易款項，以符合現今普羅大眾進行交易之常態。One purpose of the present invention is to provide a blockchain platform and a blockchain transaction method, which facilitates transactions by repeatedly executing a smart contract on a blockchain network to perform smart payment procedures and smart payment procedures. During the smart payment process, the smart contract is executed so that after confirming with a bank host to complete the payment of a predetermined amount of legal currency or confirming with an institution host to submit a certain value of non-statutory currency currency, assets or items, a corresponding reservation will be generated The number of virtual currency tokens. After confirming the completion of the redemption conditions during the smart payment procedure, destroy the virtual currency token corresponding to the redemption request. When performing the above procedures, it is better to generate corresponding transaction records in the database of the blockchain network, so that the transaction records have the advantages of authenticity and credibility. In addition, through the above mechanism, the virtual currency tokens generated can be linked to the value of the legal currency to be paid, so that the payer or requester can pay or receive the transaction money in legal currency, in line with the current general public The normal state of trading.

依據本發明，提供一種應用於一區塊鏈網路之網路交易之方法，包括下列步驟：依據一付款方裝置所發出之一兌幣請求，由一區塊鏈網路之多個電腦節點接收該兌幣請求的相關資訊；由電腦節點設定一智能合約中的兌現條件；由電腦節點執行智能合約，以進行下列步驟：與一銀行主機確認完成繳付一預定金額之法定貨幣、或與一機構主機確認提交一定價值之非法定貨幣之貨幣、資產或物品；對應兌幣請求產生一虛擬貨幣令牌之數量，並在區塊鏈網路之一資料庫中產生對應的交易紀錄，其中，交易紀錄包含該虛擬貨幣令牌之數量；依據一請款方裝置所發出之一兌現請求，確認兌現條件已完成，其中，兌現請求包含一兌現金額；在兌現條件確認已完成後，銷毀虛擬貨幣令牌之數量中為對應該兌現金額之部分虛擬貨幣令牌，並指示將兌現金額之對應法定貨幣數量匯入請款方的銀行帳戶。According to the present invention, a method for network transactions applied to a blockchain network is provided, which includes the following steps: according to a currency exchange request issued by a payer device, a plurality of computer nodes in a blockchain network Receive the relevant information of the currency exchange request; the computer node sets the redemption conditions in a smart contract; the computer node executes the smart contract to perform the following steps: confirm with a bank host to complete the payment of a predetermined amount of legal currency, or An institution host confirms the submission of a certain value of non-statutory currency currency, asset or article; generates a virtual currency token amount corresponding to the currency exchange request, and generates the corresponding transaction record in a database of the blockchain network. , The transaction record contains the quantity of the virtual currency token; according to a cashing request issued by a requestor’s device, it is confirmed that the cashing condition has been completed, where the cashing request includes a cash amount; after the cashing condition has been confirmed, the virtual currency is destroyed The number of currency tokens is part of the virtual currency tokens corresponding to the cash amount, and instructions to transfer the corresponding legal currency amount of the cash amount to the bank account of the requesting party.

依據本發明，提供一種區塊鏈網路，包括一資料庫儲存多個區塊之資料，該資料包括一帳本，該區塊鏈網路執行一區塊鏈應用程式以執行在此揭露之任一種區塊鏈交易方法。According to the present invention, a blockchain network is provided, which includes a database storing data of a plurality of blocks, the data includes a ledger, and the blockchain network executes a blockchain application to execute the disclosed Any blockchain transaction method.

依據本發明，提供一種區塊鏈網路，包括一資料庫儲存多筆交易紀錄，該區塊鏈網路執行一區塊鏈應用程式以執行依據本發明之任一交易方法。According to the present invention, a blockchain network is provided, including a database storing multiple transaction records, and the blockchain network executes a blockchain application program to execute any transaction method according to the present invention.

依據本發明，提供一種區塊鏈交易平台，包括：一付款方裝置、一請款方裝置、一區塊鏈網路及一管理主機。區塊鏈網路包括一資料庫。管理主機，係被配置以與該付款方裝置、該請款方裝置及該區塊鏈網路通訊，以使得該區塊鏈網路依據來自該管理主機之一兌幣請求執行一智能合約，該智能合約中設定一兌現條件，該智能合約係被執行以在與一銀行電腦主機確認完成繳付一預定金額之法定貨幣或與一機構主機確認提交一定價值之非法定貨幣之貨幣、資產或物品之後，對應該兌幣請求產生一預定數量之虛擬貨幣令牌，並在該資料庫中產生對應交易紀錄；及依據來自該管理主機之一兌現請求再次執行該智能合約，在確認完成該兌現條件之後，銷毀該兌現請求中的該虛擬貨幣令牌，並在該資料庫中產生對應交易紀錄。According to the present invention, a blockchain transaction platform is provided, including: a payer device, a requester device, a blockchain network, and a management host. The blockchain network includes a database. The management host is configured to communicate with the payer device, the requester device, and the blockchain network, so that the blockchain network executes a smart contract according to a currency exchange request from one of the management hosts, A redemption condition is set in the smart contract, and the smart contract is executed to confirm the payment of a predetermined amount of legal currency with a bank computer host or confirm with an institution host to submit a certain value of non-statutory currency currency, assets or After the item is purchased, a predetermined number of virtual currency tokens are generated in response to the currency exchange request, and corresponding transaction records are generated in the database; and the smart contract is executed again according to a redemption request from the management host, and the redemption is completed after confirmation After the conditions, destroy the virtual currency token in the redemption request, and generate corresponding transaction records in the database.

圖1繪示本發明第一實施例所提供之網路交易系統1A的架構示意圖。網路交易系統1A可包括管理主機11、區塊鏈網路12、付款方裝置13、請款方裝置14及銀行主機15。管理主機11與區塊鏈網路12通訊而形成區塊鏈平台10。管理主機11可接收並處理來自付款方裝置13與請款方裝置14的訊息，並依據這些訊息與區塊鏈網路12及／或銀行主機15通訊而推進交易之進行。管理主機11自付款方裝置13或請款方裝置14所接收的訊息例如包括，但不限於：依據至少一通訊協定之資料、請求、指令與確認訊息等。FIG. 1 is a schematic diagram of the structure of an online transaction system 1A provided by the first embodiment of the present invention. The online transaction system 1A may include a management host 11, a blockchain network 12, a payer device 13, a payment requester device 14, and a bank host 15. The management host 11 communicates with the blockchain network 12 to form a blockchain platform 10. The management host 11 can receive and process messages from the payer device 13 and the payer device 14 and communicate with the blockchain network 12 and/or the bank host 15 based on these messages to advance the transaction. The messages received by the management host 11 from the payer device 13 or the payer device 14 include, but are not limited to, data, requests, instructions, and confirmation messages based on at least one communication protocol.

區塊鏈網路12包括複數個電腦節點124彼此通訊而形成基於區塊鏈技術之分布式資料庫122（參見圖3），具有去中心化、資料難以竄改、加密及透明公開之特性。根據一實施例，區塊鏈網路12例如包括，但不限於，私有鏈、公有鏈和聯盟鏈。區塊鏈網路12的資料庫122中可儲存有一個分布式帳本分布於各電腦節點124中，其中含有交易記錄。The blockchain network 12 includes a plurality of computer nodes 124 communicating with each other to form a distributed database 122 based on blockchain technology (see FIG. 3), which has the characteristics of decentralization, difficult data tampering, encryption, and transparent disclosure. According to an embodiment, the blockchain network 12 includes, but is not limited to, a private chain, a public chain, and a consortium chain, for example. The database 122 of the blockchain network 12 may store a distributed ledger distributed among the computer nodes 124, which contains transaction records.

付款方裝置13與請款方裝置14為便於使用者操作以進行交易之電子裝置。付款方裝置13與請款方裝置14例如包括，但不限於，手機、平板電腦、筆記型電腦、桌上型電腦、個人數位助理等。在一些實施例中，付款方裝置與請款方裝置可應用特定媒介以供使用者操作，如特定應用程式、特定網頁等等。The payer device 13 and the payment requester device 14 are electronic devices that are convenient for users to operate for transactions. The payer's device 13 and the requester's device 14 include, but are not limited to, mobile phones, tablet computers, notebook computers, desktop computers, personal digital assistants, etc., for example. In some embodiments, the payer's device and the payer's device may use specific media for user operations, such as specific applications, specific web pages, and so on.

銀行主機15為銀行提供網路銀行服務之電腦主機，其與管理主機11及／或區塊鏈網路12之間可應用加解密技術傳遞訊息。例如，但不限於，銀行主機15與管理主機11之間之通訊可採用硬體安全模組（Hardware Security Module）之加解密技術，以提升資訊安全。The bank host 15 is a computer host for the bank to provide online banking services. Encryption and decryption technology can be used to transmit information between it and the management host 11 and/or the blockchain network 12. For example, but not limited to, the communication between the bank host 15 and the management host 11 can use a hardware security module (Hardware Security Module) encryption and decryption technology to enhance information security.

值得一提，在此雖示意管理主機11與一區塊鏈網路12、一付款方裝置13、一請款方裝置14及一銀行主機15通訊，然而本發明之交易架構及交易方法並不以此為限。在其他實施例中，管理主機11亦可與不同數量的區塊鏈網路12、付款方裝置13、請款方裝置14或銀行主機15通訊。It is worth mentioning that although it is shown that the management host 11 communicates with a blockchain network 12, a payer device 13, a payee device 14 and a bank host 15, the transaction structure and transaction method of the present invention are not Limit this. In other embodiments, the management host 11 can also communicate with a different number of blockchain networks 12, the payer device 13, the payer device 14, or the bank host 15.

配合圖1，圖2顯示本發明第一實施例所提供之網路交易系統1A的管理主機11、區塊鏈網路12及銀行主機15的之方塊圖。參閱圖1、2，管理主機11可包括一管理檢視單元111、一輸入介面單元112、一兌幣單元113、一兌現單元114及一通訊單元115。In conjunction with FIG. 1, FIG. 2 shows a block diagram of the management host 11, the blockchain network 12, and the bank host 15 of the network transaction system 1A provided by the first embodiment of the present invention. Referring to FIGS. 1 and 2, the management host 11 may include a management viewing unit 111, an input interface unit 112, a currency exchange unit 113, a cash exchange unit 114 and a communication unit 115.

輸入介面單元112係被配置以提供一操作介面，接收來自付款方裝置13和請款方裝置14之操作訊息，例如：開立數位錢包、查詢過去交易紀錄、檢視所有交易紀錄、進行付款、進行請款等。通訊單元115係被配置以提供通訊介面，以與付款方裝置13、請款方裝置14、區塊鏈網路12及／或銀行主機15之間依據至少一通訊協定進行通訊，將來自付款方裝置13及請款方裝置14之資料、請求、指令與確認訊息傳送至區塊鏈網路12及／或銀行主機15，以及反向傳遞資料、請求、指令與確認訊息，例如：接收來自資料庫12中對應交易紀錄相關之訊息，並提供該訊息至付款方裝置13及／或請款方裝置14。The input interface unit 112 is configured to provide an operating interface to receive operating messages from the payer device 13 and the payer device 14, such as: opening a digital wallet, querying past transaction records, viewing all transaction records, making payments, Please pay. The communication unit 115 is configured to provide a communication interface to communicate with the payer device 13, the requester device 14, the blockchain network 12, and/or the bank host 15 according to at least one communication protocol, and will come from the payer The data, requests, instructions and confirmation messages of the device 13 and the requester device 14 are sent to the blockchain network 12 and/or the bank host 15, and the data, requests, instructions and confirmation messages are transmitted in the reverse direction, for example: receiving data from The database 12 corresponds to the information related to the transaction record, and provides the information to the payer device 13 and/or the payer device 14.

管理檢視單元111係被配置以對應來自付款方裝置13及請款方裝置14之開立數位錢包、查詢過去交易紀錄及檢視所有交易紀錄之操作訊息發起請求，經通訊單元115與區塊鏈網路12及／或銀行主機15通訊以完成開立數位錢包、查詢過去交易紀錄或檢視所有交易紀錄等操作，例如：取得並彙整來自區塊鏈網路12之訊息，將交易紀錄呈現在付款方裝置13及／或請款方裝置14使付款方及／或請款方得以查核。The management and viewing unit 111 is configured to correspond to the operation information initiation request for opening a digital wallet, querying past transaction records, and viewing all transaction records from the payer device 13 and the payer device 14 through the communication unit 115 and the blockchain network Road 12 and/or bank host 15 communicate to complete operations such as opening a digital wallet, querying past transaction records, or viewing all transaction records, for example: obtain and aggregate information from the blockchain network 12, and display the transaction records on the payer The device 13 and/or the requester device 14 enables the payer and/or the requester to check.

兌幣單元113係被配置以依據來自付款方裝置13進行付款之操作訊息而作動，透過通訊單元115與區塊鏈網路12、銀行主機15及／或其他機構主機通訊以完成智能付款程序。The currency exchange unit 113 is configured to act according to the operation information from the payer device 13 for payment, and communicates with the blockchain network 12, the bank host 15 and/or the host of other institutions through the communication unit 115 to complete the smart payment process.

兌現單元114係被配置以依據來自請款方裝置14進行請款之操作訊息而作動，透過通訊單元115與區塊鏈網路12、銀行主機15及／或其他機構主機通訊以完成智能請款程序。後續段落會詳細說明管理主機11操作之細部流程。The redemption unit 114 is configured to act according to the operation information from the requester device 14 for requesting funds, and communicates with the blockchain network 12, the bank host 15 and/or the host computer of other institutions through the communication unit 115 to complete the smart payment request program. Subsequent paragraphs will describe the detailed process of the operation of the management host 11 in detail.

區塊鏈網路12包含有一區塊鏈交易單元121、一資料庫122及一區塊鏈通訊單元123。區塊鏈交易單元121例如為一去中心化應用程式（Decentralized app, Dapp），其內建構一智能合約模組1211執行智能合約以在資料庫122中的一帳本中產生新的交易紀錄。區塊鏈交易單元121可通過區塊鏈通訊單元123建立與管理主機11及銀行主機15之通訊，並配合或回應來自管理主機11及／或銀行主機15之訊息，以利執行圖3顯示之交易方法。The blockchain network 12 includes a blockchain transaction unit 121, a database 122, and a blockchain communication unit 123. The blockchain transaction unit 121 is, for example, a decentralized app (Decentralized app, Dapp), in which a smart contract module 1211 is constructed to execute smart contracts to generate new transaction records in a ledger in the database 122. The blockchain transaction unit 121 can establish communication with the management host 11 and the bank host 15 through the blockchain communication unit 123, and cooperate with or respond to messages from the management host 11 and/or the bank host 15 to facilitate the execution of the information shown in Figure 3 Trading method.

銀行主機15包括一銀行通訊單元151、一銀行收款單元152及一銀行出款單元153。銀行通訊單元151與管理主機11及區塊鏈網路12建立通訊。銀行收款單元152係被配置以建立一區塊鏈模組1521，其可於智能付款程序中進行付款方繳付預定金額之法定貨幣之確認。銀行出款單元153係被配置以建立一加解密模組1531，其可應用如硬體安全模組之加解密技術在智能請款程序中匯出款項前，確認區塊鏈網路12之資料庫122是否紀錄已完成兌現條件。The bank host 15 includes a bank communication unit 151, a bank collection unit 152, and a bank withdrawal unit 153. The bank communication unit 151 establishes communication with the management host 11 and the blockchain network 12. The bank collection unit 152 is configured to establish a blockchain module 1521, which can confirm the payment of a predetermined amount of legal currency by the payer in the smart payment program. The bank withdrawal unit 153 is configured to create an encryption and decryption module 1531, which can apply encryption and decryption technology such as a hardware security module to confirm the data of the blockchain network 12 before sending money in the smart payment process Whether the library 122 records the fulfillment conditions.

本發明之網路交易系統1A可確保網路交易能夠順利且安全地進行。例如，交易的付款方可透過網路交易系統1A執行智能付款程序，而交易的請款方可透過網路交易系統1A執行智能請款程序。配合圖1、2，圖3繪示本發明第一實施例之網路交易方法的簡化流程圖。在此示例但不限於以圖1、2顯示之網路交易系統1A執行。所述的網路交易方法無性質限制，可以涉及購物、貿易、金融等各種類型之交易，且交易金之性質在此無須限制，可以是價金、貨款、保證金、訂金等。參閱圖3，於初始步驟300，欲交易的各參與方先行在區塊鏈網路12上開立數位錢包。例如，在區塊鏈網路12上分別開立一付款方所專屬擁有的第一數位錢包及請款方所專屬擁有的第二數位錢包。The network transaction system 1A of the present invention can ensure that network transactions can be carried out smoothly and safely. For example, the payer of the transaction can execute the smart payment process through the online transaction system 1A, and the requester of the transaction can execute the smart payment process through the online transaction system 1A. In conjunction with Figs. 1 and 2, Fig. 3 shows a simplified flowchart of the online transaction method according to the first embodiment of the present invention. In this example, but not limited to the implementation of the network transaction system 1A shown in FIGS. 1 and 2. The online transaction method described has no restriction on nature, and can involve various types of transactions such as shopping, trade, and finance, and the nature of the transaction fee does not need to be restricted here. It can be price, payment, deposit, deposit, etc. Referring to FIG. 3, in the initial step 300, each participant who wants to trade opens a digital wallet on the blockchain network 12 first. For example, a first digital wallet exclusively owned by the payer and a second digital wallet exclusively owned by the requester are opened on the blockchain network 12 respectively.

接著，於步驟400，當交易之付款方欲進行交易之智能付款程序時，可操作付款方裝置13傳送一兌幣請求至區塊鏈平台10，使區塊鏈網路12執行一智能合約，其中設定兌現條件，而進行智能付款程序。Then, in step 400, when the payer of the transaction wants to perform the smart payment process of the transaction, the payer device 13 can be operated to send a currency exchange request to the blockchain platform 10, so that the blockchain network 12 executes a smart contract. Among them, the cashing conditions are set, and the smart payment procedure is performed.

接著，於步驟500，付款方轉移虛擬貨幣令牌至請款方之第二數位錢包。在此舉例付款方可藉由操作付款方裝置13將虛擬貨幣令牌直接傳遞至請款方之第二數位錢包或透過任何媒介之第三方將虛擬貨幣令牌傳送至請款方之第二數位錢包，第三方可為另一使用者或虛擬貨幣交易所等其他平台，無須限制。Next, in step 500, the payer transfers the virtual currency token to the second digital wallet of the payer. Here, for example, the payer can operate the payer device 13 to directly transfer the virtual currency token to the requester’s second digital wallet or send the virtual currency token to the requester’s second digit through any third party. The wallet, the third party can be another user or other platforms such as virtual currency exchanges, without restrictions.

最後，於步驟600，當交易之請款方欲進行交易之智能請款程序時，可操作請款方裝置14傳送一兌現請求至區塊鏈平台10，使區塊鏈網路12再次執行前述智能合約，進行智能請款程序。Finally, in step 600, when the requestor of the transaction wants to perform the smart payment procedure of the transaction, the requestor device 14 can be operated to send a redemption request to the blockchain platform 10, so that the blockchain network 12 executes the aforementioned Smart contract for smart payment procedures.

配合圖3，圖4繪示本發明第一實施例之網路交易方法中對應圖3中所述開立數位錢包的流程圖。在本實施例，在區塊鏈網路12上開立數位錢包例如包括圖4所示之流程步驟。參閱圖4，在步驟302中，付款方可透過付款方裝置13的操作，發起註冊帳號請求。所述註冊帳號請求可包含付款方的識別資訊，例如姓名、地址、銀行帳號、***帳號等。接著，在步驟304中，管理主機11之通訊單元115與區塊鏈網路12之區塊鏈通訊單元123通訊，並根據來自付款方的識別資料對於區塊鏈網路12之區塊鏈交易單元121發起開立數位錢包請求。在步驟306中，在區塊鏈交易單元121中開立第一數位錢包。在步驟308中，區塊鏈交易單元121向管理主機11確認已開立第一數位錢包，並通知第一數位錢包的帳戶資訊。在步驟310中，管理主機11可儲存第一數位錢包的帳戶資訊。在步驟312中，管理主機11向付款方裝置13確認完成第一數位錢包的開立。請款方亦可透過請款方裝置14的操作，透過前述步驟302~312類似的步驟經由管理主機11在區塊鏈網路12的區塊鏈交易單元121中開立第二數位錢包，在此不再贅述。此些數位錢包均為制式化的分佈式資料，其中內容難以竄改。In conjunction with FIG. 3, FIG. 4 shows a flowchart corresponding to the digital wallet opening described in FIG. 3 in the network transaction method of the first embodiment of the present invention. In this embodiment, opening a digital wallet on the blockchain network 12 includes, for example, the process steps shown in FIG. 4. Referring to FIG. 4, in step 302, the payer can initiate an account registration request through the operation of the payer device 13. The account registration request may include identification information of the payer, such as name, address, bank account, credit card account, etc. Then, in step 304, the communication unit 115 of the management host 11 communicates with the blockchain communication unit 123 of the blockchain network 12, and performs a blockchain transaction on the blockchain network 12 based on the identification data from the payer The unit 121 initiates a request to open a digital wallet. In step 306, the first digital wallet is opened in the blockchain transaction unit 121. In step 308, the blockchain transaction unit 121 confirms to the management host 11 that the first digital wallet has been opened, and notifies the account information of the first digital wallet. In step 310, the management host 11 may store the account information of the first digital wallet. In step 312, the management host 11 confirms to the payer device 13 that the opening of the first digital wallet is completed. The requestor can also open a second digital wallet in the blockchain transaction unit 121 of the blockchain network 12 through the management host 11 through the operations of the requestor device 14 through the steps 302-312 described above. This will not be repeated here. These digital wallets are all standardized distributed data, and the contents are difficult to tamper with.

配合圖1~3，圖5繪示本發明第一實施例之網路交易方法中對應圖3的步驟400之智能付款程序的流程圖。在本實施例，智能付款程序例如包括圖5所示之流程步驟，並示例但不限於實施於如圖1、2顯示之網路交易系統1A。參閱圖4，於步驟402，當交易之付款方欲進行交易之智能付款程序時，可操作付款方裝置13輸入或選擇欲兌換虛擬貨幣令牌的數量、付款金額、兌現條件等資訊，而傳送一兌幣請求至區塊鏈平台10。更具體而言，兌幣請求例如包括第一數位錢包資訊、欲兌換虛擬貨幣令牌的數量、付款金額、付款對象、有效期限或兌現條件之資訊。依據兌幣請求之資訊，區塊鏈平台10中的複數個電腦節點124在步驟404設定一智能合約。更具體而言，區塊鏈平台10的複數個電腦節點124可依據兌幣請求之資訊設定智能合約中之一兌現條件，並經執行智能合約判斷兌現條件是否完成。兌現條件之內容可依據交易之性質變動，例如：可為指定請款日、指定請款人或數位錢包、指定是否需在收到貨品之後才可請款等。接著，步驟406為區塊鏈平台10與銀行主機15之間確認付款方已將付款金額存入特定帳戶，然後區塊鏈平台10於步驟408將虛擬貨幣令牌（virtual currency token）轉移至付款方的第一數位錢包。為了保障交易安全，較佳地，在區塊鏈平台10與銀行主機15確認完成繳付一預定金額之法定貨幣之後，才對應產生一預定數量之虛擬貨幣令牌，並在資料庫122中產生對應交易紀錄，包括虛擬貨幣令牌的產生。該交易紀錄可包含在第一數位錢包中所儲存的虛擬貨幣令牌和進帳、出帳歷史。In conjunction with FIGS. 1 to 3, FIG. 5 shows a flowchart of a smart payment procedure corresponding to step 400 of FIG. 3 in the network transaction method of the first embodiment of the present invention. In this embodiment, the smart payment procedure includes, for example, the process steps shown in FIG. 5, and is exemplified but not limited to being implemented in the network transaction system 1A shown in FIGS. 1 and 2. 4, in step 402, when the payer of the transaction wants to perform the smart payment process of the transaction, the payer device 13 can be operated to input or select the number of virtual currency tokens to be exchanged, the payment amount, the redemption conditions and other information, and then transmit A currency exchange request is sent to the blockchain platform 10. More specifically, the currency exchange request includes, for example, the first digital wallet information, the number of virtual currency tokens to be exchanged, the payment amount, the payment object, the validity period, or the information on the redemption conditions. According to the information of the currency exchange request, a plurality of computer nodes 124 in the blockchain platform 10 set up a smart contract in step 404. More specifically, the plurality of computer nodes 124 of the blockchain platform 10 can set one of the redemption conditions in the smart contract according to the information of the currency redemption request, and execute the smart contract to determine whether the redemption conditions are completed. The content of the redemption conditions can be changed according to the nature of the transaction. For example, it can be the designated payment date, the designated payment person or digital wallet, whether the payment is required after the goods are received, etc. Next, step 406 is to confirm between the blockchain platform 10 and the bank host 15 that the payer has deposited the payment amount into a specific account, and then the blockchain platform 10 transfers the virtual currency token to the payment in step 408 Fang’s first digital wallet. In order to ensure transaction security, preferably, after the blockchain platform 10 and the bank host 15 confirm that the payment of a predetermined amount of legal currency is completed, a predetermined number of virtual currency tokens are generated correspondingly and generated in the database 122 Corresponding transaction records, including the generation of virtual currency tokens. The transaction record may include the virtual currency token and the history of deposit and withdrawal stored in the first digital wallet.

配合圖1~3，圖6繪示本發明第一實施例之網路交易方法中對應圖3的步驟600之智能請款程序的流程圖。在本實施例，智能請款程序例如包括圖6所示之流程步驟。參閱圖6，於步驟602，當作為該交易之請款方欲進行交易之智能請款程序時，可操作請款方裝置14與區塊鏈平台10通訊而傳送一兌現請求至區塊鏈平台10。更具體而言，兌現請求例如包括第二數位錢包資訊、欲兌現虛擬貨幣令牌或其數量、欲兌現金額、指定兌現帳戶之訊息。接著，區塊鏈平台10的複數個電腦節點124於步驟604執行智能合約並判斷所設定的兌現條件是否完成，確認已完成之後於步驟606指示銀行主機15進行付款，最後於步驟608由銀行主機15確認已付款給請款方。為了保障交易安全，較佳地，智能合約可在確認兌現條件已完成之後，才於第二數位錢包中銷毀對應兌現請求的虛擬貨幣令牌，並在資料庫122中產生對應交易紀錄。該交易紀錄可包含在第二數位錢包中所儲存的虛擬貨幣令牌和進帳、出帳歷史。In conjunction with FIGS. 1 to 3, FIG. 6 shows a flowchart of the smart request procedure corresponding to step 600 of FIG. 3 in the network transaction method of the first embodiment of the present invention. In this embodiment, the smart request procedure includes, for example, the process steps shown in FIG. 6. Referring to FIG. 6, in step 602, when the requestor of the transaction wants to perform a smart payment procedure for the transaction, the requestor device 14 can be operated to communicate with the blockchain platform 10 to send a cashing request to the blockchain platform 10. More specifically, the redemption request includes, for example, the information of the second digital wallet, the virtual currency token to redeem or its quantity, the amount of cash to redeem, and the information of the designated redemption account. Next, the plurality of computer nodes 124 of the blockchain platform 10 execute the smart contract in step 604 and determine whether the set redemption conditions are completed. After the confirmation is completed, the bank host 15 is instructed to make payment in step 606, and finally, the bank host 15 is in step 608 15Confirm that payment has been made to the requesting party. To ensure transaction security, preferably, the smart contract can destroy the virtual currency token corresponding to the redemption request in the second digital wallet after confirming that the redemption conditions have been completed, and generate corresponding transaction records in the database 122. The transaction record may include the virtual currency token and the history of deposit and withdrawal stored in the second digital wallet.

本發明為經由在區塊鏈網路的電腦節點上執行智能合約，以進行智能付款程序與智能請款程序。智能合約執行智能付款程序時可與一銀行主機確認完成繳付一預定金額之法定貨幣，並將虛擬貨幣令牌轉移至付款方的第一數位錢包，使虛擬貨幣令牌與繳付的法定貨幣產生價值對應的連結性。智能合約執行智能請款程序時可確認兌現條件已完成，並指示銀行進行付款。The present invention executes smart contracts on the computer nodes of the blockchain network to perform smart payment procedures and smart payment procedures. When the smart contract executes the smart payment procedure, it can confirm with a bank host to complete the payment of a predetermined amount of legal currency, and transfer the virtual currency token to the payer’s first digital wallet, so that the virtual currency token is the same as the paid legal currency Connectivity that generates value. When the smart contract executes the smart payment procedure, it can confirm that the redemption conditions have been completed and instruct the bank to make the payment.

配合圖1~3，圖7繪示本發明第二實施例之網路交易方法中對應圖3的步驟400之智能付款程序的流程圖。在本實施例，智能付款程序例如包括圖7所示之流程步驟，並示例但不限於實施於如圖1、2顯示之網路交易系統1A。在步驟409，付款方可操作付款方裝置13輸入或選擇欲兌換虛擬貨幣令牌的數量、付款金額、兌現條件等資訊，而向管理主機11發起兌幣請求。兌幣請求例如包括第一數位錢包資訊、欲兌換虛擬貨幣令牌的數量、付款金額、付款對象、有效期限或兌現條件之資訊。兌現條件之內容可依據交易之性質變動，例如：可為指定請款日、指定請款人或數位錢包、指定是否需在收到貨品之後才可請款等。In conjunction with FIGS. 1 to 3, FIG. 7 shows a flowchart of a smart payment procedure corresponding to step 400 of FIG. 3 in the network transaction method of the second embodiment of the present invention. In this embodiment, the smart payment procedure includes, for example, the process steps shown in FIG. 7, and is exemplified but not limited to being implemented in the network transaction system 1A shown in FIGS. 1 and 2. In step 409, the payer can operate the payer device 13 to input or select information such as the number of virtual currency tokens to be exchanged, payment amount, redemption conditions, etc., and initiate a currency exchange request to the management host 11. The currency exchange request includes, for example, the first digital wallet information, the number of virtual currency tokens to be exchanged, the payment amount, the payment object, the validity period, or the information on the redemption conditions. The content of the redemption conditions can be changed according to the nature of the transaction. For example, it can be the designated payment date, the designated payment person or digital wallet, whether the payment is required after the goods are received, etc.

接著，區塊鏈平台10可執行步驟410、412、414，從而確認第一數位錢包是否有效。例如在步驟410，管理主機11向區塊鏈網路12請求確認第一數位錢包是否為有效。在步驟412，區塊鏈網路12之區塊鏈交易單元121確認第一數位錢包，並在步驟414可回覆管理主機11第一數位錢包有效。Then, the blockchain platform 10 can perform steps 410, 412, and 414 to confirm whether the first digital wallet is valid. For example, in step 410, the management host 11 requests the blockchain network 12 to confirm whether the first digital wallet is valid. In step 412, the blockchain transaction unit 121 of the blockchain network 12 confirms the first digital wallet, and in step 414, can reply that the first digital wallet of the management host 11 is valid.

接著，在步驟416，管理主機11將兌幣請求的相關資訊傳送至區塊鏈網路12的複數個電腦節點124。區塊鏈網路12的複數個電腦節點124於步驟418將依據兌幣請求之資訊設定智能合約，例如設定智能合約中對應付款方輸入或選擇的兌現條件。智能合約是電腦程式，一旦被制定和佈署就能實現自我實行和自我驗證，且無須人為干預。智能合約可自主的執行全部或部分的合約相關操作，並產生相應的可被驗證的資料，以證明有效性。Next, in step 416, the management host 11 transmits information related to the currency exchange request to the plurality of computer nodes 124 of the blockchain network 12. The plurality of computer nodes 124 of the blockchain network 12 will, in step 418, set up a smart contract according to the information of the currency exchange request, for example, set the redemption condition corresponding to the input or selection of the payer in the smart contract. Smart contracts are computer programs that can be self-implemented and self-verified once they are formulated and deployed without human intervention. Smart contracts can autonomously execute all or part of contract-related operations, and generate corresponding verifiable data to prove validity.

接著，在步驟420中，管理主機11可經由銀行主機15確認付款方是否完成繳付一預定金額之法定貨幣。付款方可透過***、轉帳或其他任一方式或媒介繳付預定金額之法定貨幣至銀行約定帳號。此預定金額可相當於前述付款金額。在此例示由銀行主機15收到款項時主動向管理主機11傳送確認繳付的訊息，但在其他實施例中亦可以由管理主機11先行向銀行主機15傳送確認繳付狀態的請求，再由銀行主機15回應此請求而向管理主機11確認已完成繳付。Next, in step 420, the management host 11 can confirm via the bank host 15 whether the payer has completed the payment of a predetermined amount of legal currency. The payer can pay a predetermined amount of legal currency to the bank's agreed account by credit card, transfer or any other method or medium. This predetermined amount may be equivalent to the aforementioned payment amount. In this example, the bank host 15 actively sends a payment confirmation message to the management host 11 when the payment is received. However, in other embodiments, the management host 11 may send a request to confirm the payment status to the bank host 15 first, and then In response to this request, the bank host 15 confirms to the management host 11 that the payment has been completed.

在管理主機11與銀行主機15確認已完成繳付後，智能合約將由區塊鏈網路12的複數個電腦節點124上所執行之智能合約模組1211進行後續的步驟422~434。更具體而言，智能合約模組1211於步驟422可確認區塊鏈交易單元121中第一數位錢包是否有效。例如，智能合約模組1211可執行在區塊鏈網路12的複數個電腦節點124上以確認第一數位錢包為有效。After the management host 11 and the bank host 15 confirm that the payment has been completed, the smart contract will be executed by the smart contract module 1211 executed on the plurality of computer nodes 124 of the blockchain network 12 to perform the subsequent steps 422 to 434. More specifically, in step 422, the smart contract module 1211 can confirm whether the first digital wallet in the blockchain transaction unit 121 is valid. For example, the smart contract module 1211 can be executed on a plurality of computer nodes 124 of the blockchain network 12 to confirm that the first digital wallet is valid.

在步驟424中，智能合約模組1211接著向銀行主機15請求確認完成預定金額之法定貨幣之繳付。在步驟426中，銀行主機15確認已完成預定金額之法定貨幣之繳付，並在步驟428向智能合約模組1211傳回確認。In step 424, the smart contract module 1211 then requests the bank host 15 to confirm the payment of the predetermined amount of legal currency. In step 426, the bank host 15 confirms that the payment of a predetermined amount of legal currency has been completed, and in step 428 sends back confirmation to the smart contract module 1211.

智能合約模組1211經確認已完成預定金額之法定貨幣之繳付之後，於步驟430產生一預定數量之虛擬貨幣令牌。此預定數量對應兌幣請求中的欲兌換虛擬貨幣令牌的數量，亦可以依據智能合約內的一議定比例及兌幣請求中的付款金額計算而產生。在步驟432中，智能合約模組1211將產生的虛擬貨幣令牌傳送至付款方的第一數位錢包，且於步驟434在資料庫122的帳本中產生對應交易紀錄，記載付款金額、虛擬貨幣令牌數量、兌現條件等資訊。隨後，智能合約模組1211執行步驟436，通知管理主機11已完成兌幣。值得一提，步驟434、436亦可交換順序執行。透過上述智能付款程序，可使產生的虛擬貨幣令牌與繳付的法定貨幣產生價值對應的連結性，並產生付款與產生虛擬貨幣令牌對應的連結性。After the smart contract module 1211 confirms that the payment of a predetermined amount of legal currency has been completed, it generates a predetermined amount of virtual currency tokens in step 430. The predetermined amount corresponds to the number of virtual currency tokens to be exchanged in the currency exchange request, and can also be calculated based on an agreed ratio in the smart contract and the payment amount in the currency exchange request. In step 432, the smart contract module 1211 transmits the generated virtual currency token to the payer’s first digital wallet, and in step 434 generates a corresponding transaction record in the ledger of the database 122, recording the payment amount and the virtual currency Information such as the number of tokens and redemption conditions. Subsequently, the smart contract module 1211 executes step 436 to notify the management host 11 that the currency exchange has been completed. It is worth mentioning that steps 434 and 436 can also be executed in an alternate order. Through the above-mentioned smart payment procedure, the generated virtual currency token can be connected to the value of the legal currency to be paid, and the connection between the payment and the generated virtual currency token can be generated.

配合圖1~3，圖8繪示本發明第二實施例之網路交易方法中對應圖3的步驟600之智能請款程序的流程圖。在本實施例，智能請款程序例如包括圖8所示之流程步驟。在步驟609，請款方可操作請款方裝置14輸入或選擇欲兌現虛擬貨幣令牌的數量、欲兌現金額、指定兌現帳戶等資訊，而發起兌現請求。兌現請求例如包括第二數位錢包資訊、欲兌現虛擬貨幣令牌或其數量、欲兌現金額、指定兌現帳戶之資訊。接著，在步驟610，管理主機11向區塊鏈網路12發起確認第二數位錢包是否為有效之請求。在步驟612時，區塊鏈網路12之區塊鏈交易單元121確認第二數位錢包，並在步驟614回覆管理主機11第二數位錢包有效。接著，在步驟616，管理主機11向區塊鏈網路12發起確認兌現條件是否為完成之請求。區塊鏈網路12之複數個電腦節點124上所執行之智能合約模組1211接著在步驟617確認兌現條件是否已完成，其中，兌現條件例如為：指定請款日已屆期。在步驟618，智能合約模組1211回覆管理主機11兌現條件已完成。管理主機11確認兌現條件已完成之後，在步驟620發出一匯款指令至銀行主機15指示銀行匯出款項至付款方指定兌現帳戶。匯款指令可包括欲兌現金額、指定兌現帳戶等資訊。之後，在步驟622，銀行主機15與區塊鏈網路12通訊，確認兌現條件已完成。請注意銀行主機15可藉智能合約模組1211的主動通知或由其自行取得資料庫122儲存的交易紀錄來確知兌現條件是否已完成。接著，智能合約模組1211進行步驟624~636。於步驟624中，智能合約模組1211再次確認區塊鏈交易單元121中第二數位錢包是否有效。在步驟626中，智能合約模組1211向銀行主機15請求確認匯款指令之欲兌現金額、指定兌現帳戶等資訊。接著，待於步驟628與銀行主機15確認匯款指令無誤後，在步驟630中，智能合約模組1211按智能合約內的一議定比例計算欲兌現虛擬貨幣令牌或其數量可兌現的金額，如：可兌換成法定貨幣的金額。在步驟632中，智能合約模組1211銷毀第二數位錢包中對應數量的兌現請求的虛擬貨幣令牌。在步驟634中，智能合約模組1211在資料庫122中產生對應交易紀錄，其包含虛擬貨幣令牌的銷毀，使交易紀錄具有真實性及公信力之優勢。步驟632、634亦可交換順序執行。在步驟636中，智能合約模組1211指示銀行主機15進行匯款。接著，銀行主機15在步驟638匯出款項至指定兌現帳戶，並於步驟640通知管理主機11已完成匯款。透過上述智能付款與智能請款程序，虛擬貨幣令牌的產生與銷毀可對應在銀行中以法定貨幣之繳款與匯款動作，使得各使用者（如：付款方或請款方）可藉管理主機11獲得區塊鏈網路12提供之資料庫122中對應其所擁有之數位錢包，例如：第一數位錢包或第二數位錢包進行交易而留下真確的交易紀錄。使用者可獲悉其數位錢包中存有多少虛擬貨幣令牌，有多少虛擬貨幣令牌已分派給他人，有多少虛擬貨幣令牌已兌現等，並且能簡易計算其所相當的法定貨幣金額。In conjunction with FIGS. 1 to 3, FIG. 8 shows a flowchart of the smart request procedure corresponding to step 600 of FIG. 3 in the network transaction method of the second embodiment of the present invention. In this embodiment, the smart request procedure includes, for example, the process steps shown in FIG. 8. In step 609, the requestor can operate the requestor device 14 to input or select information such as the amount of virtual currency tokens to be redeemed, the amount of cash to be redeemed, the designated redemption account, etc., to initiate a redemption request. The redemption request includes, for example, the information of the second digital wallet, the virtual currency token to redeem or its quantity, the amount of cash to redeem, and the information of the designated redemption account. Next, in step 610, the management host 11 initiates a request to the blockchain network 12 to confirm whether the second digital wallet is valid. In step 612, the blockchain transaction unit 121 of the blockchain network 12 confirms the second digital wallet, and in step 614, it replies to the management host 11 that the second digital wallet is valid. Next, in step 616, the management host 11 initiates a request to the blockchain network 12 to confirm whether the redemption condition is complete. The smart contract module 1211 executed on the plurality of computer nodes 124 of the blockchain network 12 then confirms in step 617 whether the redemption condition has been completed, where the redemption condition is, for example, that the designated payment date has expired. In step 618, the smart contract module 1211 replies that the redemption condition of the management host 11 has been completed. After the management host 11 confirms that the redemption conditions have been completed, in step 620, a remittance instruction is sent to the bank host 15 to instruct the bank to remit the funds to the cashing account designated by the payer. The remittance instruction may include information such as the amount of cash to be redeemed and the designated cashing account. After that, in step 622, the bank host 15 communicates with the blockchain network 12 to confirm that the redemption conditions have been completed. Please note that the bank host 15 can use the active notification of the smart contract module 1211 or obtain transaction records stored in the database 122 to confirm whether the redemption conditions have been fulfilled. Then, the smart contract module 1211 performs steps 624 to 636. In step 624, the smart contract module 1211 reconfirms whether the second digital wallet in the blockchain transaction unit 121 is valid. In step 626, the smart contract module 1211 requests the bank host 15 to confirm the amount of cash to be redeemed of the remittance instruction, the designated cashing account, and other information. Then, after confirming that the remittance instruction is correct with the bank host 15 in step 628, in step 630, the smart contract module 1211 calculates the amount of the virtual currency token to be redeemed or the amount that can be redeemed according to an agreed ratio in the smart contract, such as : The amount that can be converted into legal currency. In step 632, the smart contract module 1211 destroys a corresponding number of virtual currency tokens of the redemption request in the second digital wallet. In step 634, the smart contract module 1211 generates a corresponding transaction record in the database 122, which includes the destruction of the virtual currency token, so that the transaction record has the advantages of authenticity and credibility. Steps 632 and 634 can also be executed in an alternate order. In step 636, the smart contract module 1211 instructs the bank host 15 to perform remittance. Then, the bank host 15 remits the money to the designated cashing account in step 638, and informs the management host 11 in step 640 that the remittance has been completed. Through the above smart payment and smart request procedures, the generation and destruction of virtual currency tokens can correspond to the payment and remittance actions in legal tender in the bank, so that each user (such as the payer or the requester) can borrow and manage The host 11 obtains a digital wallet corresponding to the database 122 provided by the blockchain network 12, such as the first digital wallet or the second digital wallet, to perform transactions and leave a true transaction record. Users can learn how many virtual currency tokens are stored in their digital wallet, how many virtual currency tokens have been distributed to others, how many virtual currency tokens have been redeemed, etc., and can easily calculate their equivalent legal currency amount.

請一倂參考圖9、圖10，其中圖9顯示本發明第二實施例所提供之網路交易系統1B的架構示意圖，圖10顯示本發明第二實施例所提供之網路交易系統1B的管理主機11、區塊鏈網路12、12'及銀行主機15的之方塊圖。本實施例揭露一種經由包括一資料庫122之區塊鏈網路12及包括一資料庫122'之區塊鏈網路12'產生交易紀錄之網路交易系統1B，其包括一管理主機11、二區塊鏈網路12、12'、一付款方裝置13、一請款方裝置14及一銀行主機15，而可執行如圖3顯示之網路交易方法。請注意本實施例與第一實施例之交易架構之差異得僅在於本實施例之管理主機11與銀行主機15並未與同一區塊鏈網路通訊，管理主機11乃是與區塊鏈網路12通訊，而銀行主機15係與區塊鏈網路12'通訊。如圖10所示，交易系統2的管理主機11、區塊鏈網路12及銀行主機15具有與第一實施例相同之單元，進行相同之作動，相關細節請參考第一實施例相關段落，在此不再贅述。以下將著重詳述區塊鏈網路12'之作動。Please refer to Figures 9 and 10, in which Figure 9 shows a schematic diagram of the network transaction system 1B provided by the second embodiment of the present invention, and Figure 10 shows the network transaction system 1B provided by the second embodiment of the present invention A block diagram of the management host 11, the blockchain network 12, 12', and the bank host 15. This embodiment discloses a network transaction system 1B that generates transaction records through a blockchain network 12 including a database 122 and a blockchain network 12' including a database 122', which includes a management host 11, Two blockchain networks 12, 12', a payer device 13, a payer device 14 and a bank host 15 can perform the network transaction method shown in FIG. 3. Please note that the difference between the transaction structure of this embodiment and the first embodiment is only that the management host 11 and the bank host 15 of this embodiment do not communicate with the same blockchain network, and the management host 11 is with the blockchain network. Road 12 communicates, and the bank host 15 communicates with the blockchain network 12'. As shown in Figure 10, the management host 11, the blockchain network 12 and the bank host 15 of the transaction system 2 have the same units as the first embodiment and perform the same actions. For related details, please refer to the relevant paragraphs of the first embodiment. I won't repeat them here. The following will focus on the actions of the blockchain network 12'.

與區塊鏈網路12類似，區塊鏈網路12'可由區塊鏈網路組成，其包括複數個電腦節點124'彼此通訊而形成基於區塊鏈技術之分布式資料庫，具有去中心化、資料難以竄改、加密及透明公開之特性。區塊鏈網路12'亦配置一區塊鏈交易單元121'，在此示例為一去中心化應用，其內建構一智能合約模組1211'執行另一智能合約並在資料庫122'中的一帳本中產生交易紀錄。在此示例區塊鏈網路12'中的電腦節點124'設定一智能合約而佈署至智能合約模組1211'。區塊鏈交易單元121'適於以一區塊鏈通訊單元123'建立與區塊鏈網路12及銀行主機15之通訊，並配合或回應來自區塊鏈網路12或銀行主機15之訊息，以利執行圖3顯示之網路交易方法。Similar to the blockchain network 12, the blockchain network 12' can be composed of a blockchain network, which includes a plurality of computer nodes 124' communicating with each other to form a distributed database based on blockchain technology, with decentralization Characterization, difficult data tampering, encryption, and transparency. The blockchain network 12' is also equipped with a blockchain transaction unit 121', in this example a decentralized application, in which a smart contract module 1211' is constructed to execute another smart contract and is stored in the database 122' Transaction records are generated in a book of. In this example, the computer node 124' in the blockchain network 12' sets a smart contract and deploys it to the smart contract module 1211'. The blockchain transaction unit 121' is adapted to use a blockchain communication unit 123' to establish communication with the blockchain network 12 and the bank host 15, and cooperate or respond to messages from the blockchain network 12 or the bank host 15 , In order to facilitate the implementation of the online transaction method shown in Figure 3.

配合圖3、7，圖11繪示本發明第三實施例之網路交易方法中對應圖3的步驟400之智能付款程序的流程圖。在本實施例，智能付款程序例如包括圖11所示之流程步驟，並示例但不限於實施於如圖9、10顯示之網路交易系統1B。圖11的實施例與圖7顯示之實施例不同之處主要在於：在區塊鏈網路12經由執行智能合約進行智能付款程序時，區塊鏈網路12'亦執行另一智能合約，以利於其中產生對應交易紀錄。詳細地說，銀行主機15於步驟420向管理主機11確認付款人已完成預定金額法定貨幣之繳付時，亦於步驟421亦指示區塊鏈網路12'產生對應交易紀錄。步驟420與步驟421得同時或以任意順序先後進行。因此，接著在步驟423時，區塊鏈網路12'之智能合約模組1211'在資料庫122'中產生對應交易紀錄，記載付款金額、虛擬貨幣令牌數量、兌現條件等資訊。此對應交易紀錄較佳可與資料庫122中在步驟432中產生之對應交易紀錄相同。圖11顯示之其餘步驟皆與圖7顯示之第二實施例相同，詳細內容請參照第二實施例相關段落，在此不再贅述。In conjunction with FIGS. 3 and 7, FIG. 11 shows a flowchart of the smart payment procedure corresponding to step 400 of FIG. 3 in the network transaction method of the third embodiment of the present invention. In this embodiment, the smart payment procedure includes, for example, the process steps shown in FIG. 11, and is exemplified but not limited to being implemented in the network transaction system 1B shown in FIGS. 9 and 10. The embodiment of FIG. 11 differs from the embodiment shown in FIG. 7 mainly in that: when the blockchain network 12 executes a smart payment process by executing a smart contract, the blockchain network 12' also executes another smart contract to Facilitate the generation of corresponding transaction records. In detail, when the bank host 15 confirms to the management host 11 in step 420 that the payer has completed the payment of a predetermined amount of legal currency, it also instructs the blockchain network 12' to generate corresponding transaction records in step 421. Step 420 and step 421 must be performed simultaneously or sequentially in any order. Therefore, in step 423, the smart contract module 1211' of the blockchain network 12' generates a corresponding transaction record in the database 122', recording the payment amount, the number of virtual currency tokens, the redemption conditions and other information. The corresponding transaction record may preferably be the same as the corresponding transaction record generated in step 432 in the database 122. The remaining steps shown in FIG. 11 are the same as those of the second embodiment shown in FIG. 7. For details, please refer to the relevant paragraphs of the second embodiment, which will not be repeated here.

配合圖3、8，圖12繪示本發明第三實施例之網路交易方法中對應圖3的步驟600之智能請款程序的流程圖。在本實施例，智能請款程序例如包括圖12所示之流程步驟。圖12的實施例與圖8顯示之實施例不同之處主要在於：在區塊鏈網路12經由執行智能合約進行智能請款程序時，區塊鏈網路12'亦執行另一智能合約，以利於其中產生對應交易紀錄。詳細地說，由於銀行主機15是與區塊鏈網路12'通訊，而非區塊鏈網路12，因此不具有圖8之步驟622，銀行主機15是於步驟621向區塊鏈網路12'確認完成兌現條件，如：指定請款日已屆期，接著於步驟625，區塊鏈網路12'產生對應交易紀錄，紀錄虛擬貨幣令牌的產生與銷毀。此交易紀錄可與區塊鏈網路12在資料庫122中於步驟634中產生之交易紀錄相同。接著，區塊鏈網路12'於步驟627向區塊鏈網路12指示進行兌現而使智能合約模組1211執行步驟624~634。之後在步驟636中，由區塊鏈網路12'發起匯款指令指示銀行主機15進行匯款。圖12顯示之其餘步驟皆與圖8顯示之第二實施例相同，詳細內容請參照第二實施例相關段落，在此不再贅述。In conjunction with FIGS. 3 and 8, FIG. 12 shows a flow chart of the smart request procedure corresponding to step 600 of FIG. 3 in the network transaction method of the third embodiment of the present invention. In this embodiment, the smart request procedure includes, for example, the process steps shown in FIG. 12. The embodiment of FIG. 12 differs from the embodiment shown in FIG. 8 mainly in that when the blockchain network 12 executes a smart payment procedure by executing a smart contract, the blockchain network 12' also executes another smart contract. In order to facilitate the generation of corresponding transaction records. In detail, since the bank host 15 communicates with the blockchain network 12' instead of the blockchain network 12, it does not have step 622 in FIG. 8, and the bank host 15 communicates to the blockchain network in step 621 12' Confirm the completion of the redemption conditions, such as: the designated payment date has expired, and then in step 625, the blockchain network 12' generates a corresponding transaction record to record the generation and destruction of virtual currency tokens. This transaction record can be the same as the transaction record generated by the blockchain network 12 in the database 122 in step 634. Then, the blockchain network 12' in step 627 instructs the blockchain network 12 to cash out, and the smart contract module 1211 executes steps 624 to 634. Then in step 636, a remittance instruction is initiated by the blockchain network 12' to instruct the bank host 15 to perform the remittance. The remaining steps shown in FIG. 12 are the same as those of the second embodiment shown in FIG. 8. For details, please refer to the relevant paragraphs of the second embodiment, which will not be repeated here.

請一倂參考圖13、圖14，其中圖13顯示第三實施例所提供之網路交易系統1C的架構示意圖，圖14顯示本發明第三實施例所提供之網路交易系統1C的管理主機11、區塊鏈網路12及機構主機16的之方塊圖。參閱圖13、14，本實施例揭露一種經由包括一資料庫122之區塊鏈網路12產生交易紀錄之網路交易系統1C，其包括一管理主機11、一區塊鏈網路12、一付款方裝置13、一請款方裝置14及一機構主機16，而可執行如圖3顯示之網路交易方法。圖13、14的實施例與圖1~3顯示之實施例之交易架構之差異僅在於，圖13、14的實施例以機構主機16取代銀行主機，其網路交易本質涉及虛擬貨幣令牌與其他非法定貨幣之貨幣、資產或物品之轉換相關。如圖14所示，網路交易系統1C的管理主機11及區塊鏈網路12具有與第一實施例相同之功能方塊，進行相同之作動，細節請參考第一實施例相關段落，在此不再贅述。以下將著重詳述機構主機16之作動。Please refer to Figures 13 and 14, where Figure 13 shows a schematic diagram of the network transaction system 1C provided by the third embodiment, and Figure 14 shows the management host of the network transaction system 1C provided by the third embodiment of the present invention 11. Block diagram of the blockchain network 12 and the organization host 16. 13 and 14, this embodiment discloses a network transaction system 1C that generates transaction records through a blockchain network 12 including a database 122, which includes a management host 11, a blockchain network 12, and a The payer device 13, a payer device 14 and an institution host 16 can execute the online transaction method as shown in FIG. 3. The only difference between the transaction structure of the embodiment shown in FIGS. 13 and 14 and the embodiment shown in FIGS. 1 to 3 is that the embodiment of FIGS. 13 and 14 replaces the bank host with an institution host 16, and its network transaction essentially involves virtual currency tokens and Other non-statutory currencies are related to the conversion of currencies, assets or articles. As shown in Figure 14, the management host 11 and the blockchain network 12 of the network transaction system 1C have the same functional blocks as the first embodiment, and perform the same actions. For details, please refer to the relevant paragraphs of the first embodiment. No longer. The action of the main engine 16 of the organization will be emphatically detailed below.

機構主機16為輔助網路交易完成之外部機構提供網路服務之電腦主機，其可依據所欲完成交易之實際需求而省略。外部機構電腦主機112例如包括，但不限於，第三方公證單位主機、當鋪主機、鑑價單位主機、法院主機等。在此示例之交易本質係與第三方公證相關，比如說以一物品或金融資產經鑑定後兌換虛擬貨幣令牌並以虛擬貨幣令牌領回物品之交易，因此機構主機16以第三方公證單位為例。The institution host 16 is a computer host that assists external institutions to complete the online transaction and provides network services, which can be omitted based on the actual needs of the transaction to be completed. The external organization computer host 112 includes, but is not limited to, a host of a third-party notary unit, a pawn shop, a host of an appraisal unit, a host of a court, etc., for example. The nature of the transaction in this example is related to third-party notarization, such as a transaction in which an item or financial asset is authenticated and exchanged for a virtual currency token and the item is retrieved with the virtual currency token. Therefore, the institution host 16 uses a third-party notary unit Take for example.

機構主機16包括一機構通訊單元161、一價值鑑定單元162及一給付單元163。機構通訊單元161係與區塊鏈網路12、兌幣單元11及兌現單元12建立通訊。價值鑑定單元162可於智能付款程序中對欲鑑定之物品提供以可兌換之虛擬貨幣令牌數量及金額表示之鑑價結果。給付單元163可於智能請款程序中讓請款方在領回物品前，確認區塊鏈網路12之資料庫122是否紀錄已完成兌現條件。The institution host 16 includes an institution communication unit 161, a value identification unit 162 and a payment unit 163. The institutional communication unit 161 establishes communication with the blockchain network 12, the currency exchange unit 11 and the exchange unit 12. The value verification unit 162 can provide the verification result expressed in the number and amount of convertible virtual currency tokens for the item to be verified in the smart payment program. The payment unit 163 can make the payment requester check whether the database 122 of the blockchain network 12 records the fulfillment of the redemption conditions in the smart payment procedure before reclaiming the item.

在付款方欲典當或質押一物品或資產時，交易之付款方進行圖3之步驟400的智能付款程序，若任何使用者，在此假設為請款方欲領回先前用來兌換虛擬貨幣令牌之資產或物品時，進行圖3之步驟600的智能請款程序。配合圖3、7，圖15繪示本發明第四實施例之網路交易方法中對應圖3的步驟400之智能付款程序的流程圖。在本實施例，智能付款程序例如包括圖15所示之流程步驟，並示例但不限於實施於如圖13、14顯示之網路交易系統1C。圖15的實施例與圖7顯示之實施例不同之處在於，付款方在步驟402操作付款方裝置13輸入或選擇欲兌換虛擬貨幣令牌的數量、付款金額、兌現條件等資訊，而向管理主機11發起兌幣請求之後，將可兌換欲兌換虛擬貨幣令牌數量的物品或資產提交到機構主機16。因此隨後在步驟419由機構主機16對此提交之物品或資產進行鑑定，產生此物品或資產可兌換虛擬貨幣令牌的數量及金額之鑑定結果。之後，在步驟420中，管理主機11可經由機構主機16確認付款方是否已提交之物品或資產進行鑑定。需注意的是，鑑定結果中可兌換之虛擬貨幣令牌數量需大於或等於兌幣請求內欲兌換虛擬貨幣令牌的數量。在此例示由機構主機16完成物品或資產之鑑定時主動向管理主機11傳送確認提交的訊息，但在其他實施例中亦可以由管理主機11先行向機構主機165傳送確認提交狀態的請求，再由機構主機16回應此請求而向管理主機11確認已完成提交。在管理主機11與機構主機16確認已完成提交後，可進行步驟422，在此不再贅述。接著，在步驟424中，智能合約模組1211執行智能合約而向機構主機16請求確認完成物品或資產之提交與鑑價。在步驟427中，機構主機16確認已完成物品或資產之提交與鑑價，並在步驟429向智能合約模組1211發出確認。接著，智能合約模組1211確認已完成物品或資產之提交與鑑價之後，才會於步驟430產生一預定數量之虛擬貨幣令牌，在此不再贅述。透過上述智能付款程序，可使產生的虛擬貨幣令牌與提交的物品或資產產生價值對應的連結性，並產生付款與產生虛擬貨幣令牌對應的連結性。圖15顯示之其餘步驟皆與圖7顯示之第二實施例相同，詳細內容請參照第二實施例相關段落，在此不再贅述。When the payer wants to pawn or pledge an item or asset, the payer of the transaction performs the smart payment procedure in step 400 of Figure 3. If any user, it is assumed that the requester wants to get back the previous virtual currency exchange order When the asset or item of the card is selected, the smart payment procedure of step 600 in Figure 3 is performed. In conjunction with FIGS. 3 and 7, FIG. 15 shows a flowchart of a smart payment procedure corresponding to step 400 of FIG. 3 in the network transaction method of the fourth embodiment of the present invention. In this embodiment, the smart payment procedure includes, for example, the process steps shown in FIG. 15 and is exemplified but not limited to being implemented in the network transaction system 1C shown in FIGS. 13 and 14. The embodiment of FIG. 15 is different from the embodiment shown in FIG. 7 in that the payer operates the payer device 13 in step 402 to input or select information such as the number of virtual currency tokens to be exchanged, the payment amount, and the redemption conditions, and then to the management After the host 11 initiates a currency exchange request, it submits the items or assets that can be exchanged for the number of virtual currency tokens to be exchanged to the institutional host 16. Therefore, in step 419, the host 16 of the institution authenticates the submitted article or asset, and generates an authentication result of the amount and amount of the article or asset that can be exchanged for virtual currency tokens. After that, in step 420, the management host 11 can confirm through the institution host 16 whether the payer has submitted the articles or assets for authentication. It should be noted that the number of virtual currency tokens that can be exchanged in the authentication result must be greater than or equal to the number of virtual currency tokens to be exchanged in the currency exchange request. In this example, when the organization host 16 completes the identification of an item or asset, it actively sends a message confirming the submission to the management host 11. However, in other embodiments, the management host 11 may first send a request to confirm the submission status to the organization host 165, and then The organization host 16 responds to this request and confirms to the management host 11 that the submission has been completed. After the management host 11 and the organization host 16 confirm that the submission has been completed, step 422 can be performed, which will not be repeated here. Then, in step 424, the smart contract module 1211 executes the smart contract to request the institution host 16 to confirm the completion of the submission and verification of the item or asset. In step 427, the organization host 16 confirms that the submission and evaluation of the item or asset has been completed, and in step 429, sends a confirmation to the smart contract module 1211. Then, after the smart contract module 1211 confirms that the item or asset has been submitted and verified, it will generate a predetermined number of virtual currency tokens in step 430, which will not be repeated here. Through the above-mentioned smart payment procedure, the generated virtual currency token can be connected to the value of the submitted article or asset, and the connection between the payment and the generated virtual currency token can be generated. The rest of the steps shown in FIG. 15 are the same as those of the second embodiment shown in FIG. 7. For details, please refer to the relevant paragraphs of the second embodiment, which will not be repeated here.

在本實施例，當交易之請款方欲進行交易之智能請款程序時，可操作請款方裝置14傳送一兌現請求至區塊鏈平台10，使區塊鏈網路12再次執行前述智能合約，進行例如圖8所示的智能請款程序，其差異唯在於本實施例以機構主機16取代銀行主機15，故在此不再贅述。In this embodiment, when the requestor of the transaction wants to perform the smart payment procedure of the transaction, the requestor device 14 can be operated to send a redemption request to the blockchain platform 10, so that the blockchain network 12 executes the aforementioned smart payment again. The contract, for example, the smart payment procedure shown in FIG. 8 is performed. The difference is that the bank host computer 15 is replaced by the institution host computer 16 in this embodiment, so it will not be repeated here.

在本實施例，當交易之付款方欲領回物品或資產時，進行智能領回程序例如包括圖16所示之流程步驟。在啟始步驟642，付款方可操作付款方裝置13輸入或選擇欲領回的物品或資產之資訊，而傳送一領回請求至區塊鏈平台10。更具體而言，領回請求例如包括第一數位錢包資訊、支付的虛擬貨幣令牌的數量、欲領回的物品或資產之資訊。接著，步驟644，依據領回請求之資訊，區塊鏈平台10的管理主機11向區塊鏈網路12確認第一數位錢包是否有效，區塊鏈網路12於步驟646確認第一數位錢包之後，於步驟648通知管理主機11第一數位錢包有效。之後，管理主機11於步驟650向區塊鏈網路12請求確認付款方所支付的虛擬貨幣令牌是否其兌現條件已經完成，區塊鏈網路12接著於步驟652確認完成兌現條件之後，於步驟654回覆管理主機11。機構主機16於步驟656向區塊鏈網路12請求確認當初付款方在步驟402設定的兌現條件是否完成，區塊鏈網路12接著於步驟658確認完成兌現條件之後，於步驟660回覆機構主機16。步驟650~654與步驟656~660之間無須限制其先後順序，亦可先進行步驟656~660再進行步驟650~654，或者進行步驟650~654時一併穿插進行步驟656~660。之後，區塊鏈網路12執行智能合約以進行步驟662~668。其中，在步驟662，智能合約模組1211確認第一數位錢包是否有效，之後於步驟664銷毀第一數位錢包中對應數量的兌現請求的虛擬貨幣令牌，並且在步驟666中產生對應交易紀錄，包括虛擬貨幣令牌的銷毀。接著，在步驟668中，區塊鏈網路12指示機構主機16進行由請款人領回物品或資產之動作。接著，機構主機16在步驟670將物品或資產交付至指定領回帳戶，並於步驟672通知管理主機11已完成領回。透過上述智能付款、智能請款程序與智能領回程序，虛擬貨幣令牌的產生與銷毀可對應在機構中以物品或資產之提交與領回動作，且達到交易進度的推展，使得各使用者，如：付款方或請款方，可藉管理主機11獲得區塊鏈網路12提供之資料庫122中對應其所擁有之數位錢包，如：第一數位錢包或第二數位錢包進行交易並留下真確的交易紀錄。使用者可獲悉其數位錢包中存有多少虛擬貨幣令牌，有多少虛擬貨幣令牌已分派給他人，有多少虛擬貨幣令牌已兌現等，並且能簡易計算其所相當的法定貨幣金額。In this embodiment, when the payer of the transaction wants to reclaim the item or asset, the intelligent reclaim procedure includes, for example, the process steps shown in FIG. 16. In the initial step 642, the payer can operate the payer device 13 to input or select the information of the item or asset to be reclaimed, and send a reclaim request to the blockchain platform 10. More specifically, the reclaim request includes, for example, the first digital wallet information, the number of virtual currency tokens paid, and the information of the item or asset to be reclaimed. Next, in step 644, according to the information of the retrieval request, the management host 11 of the blockchain platform 10 confirms to the blockchain network 12 whether the first digital wallet is valid, and the blockchain network 12 confirms the first digital wallet in step 646 After that, in step 648, the management host 11 is notified that the first digital wallet is valid. After that, the management host 11 requests the blockchain network 12 in step 650 to confirm whether the virtual currency token paid by the payer has fulfilled the redemption conditions. The blockchain network 12 then confirms the redemption conditions in step 652, and then Step 654 reply to the management host 11. In step 656, the institution host 16 requests the blockchain network 12 to confirm whether the cashing conditions set by the payer in step 402 are completed. The blockchain network 12 then confirms the completed cashing conditions in step 658, and then responds to the institution host in step 660 16. There is no need to limit the sequence between steps 650 to 654 and steps 656 to 660, and steps 656 to 660 can be performed first and then steps 650 to 654, or steps 650 to 654 are interspersed to perform steps 656 to 660. After that, the blockchain network 12 executes the smart contract to perform steps 662-668. Wherein, in step 662, the smart contract module 1211 confirms whether the first digital wallet is valid, and then in step 664 destroys the corresponding number of virtual currency tokens of the redemption request in the first digital wallet, and generates corresponding transaction records in step 666. Including the destruction of virtual currency tokens. Then, in step 668, the blockchain network 12 instructs the organization host 16 to perform the action of reclaiming the goods or assets by the payee. Next, the institution host 16 delivers the goods or assets to the designated reclaim account in step 670, and informs the management host 11 in step 672 that the reclaim has been completed. Through the above-mentioned smart payment, smart payment procedures, and smart withdrawal procedures, the generation and destruction of virtual currency tokens can correspond to the submission and withdrawal actions of items or assets in the organization, and achieve the promotion of the transaction progress, so that all users For example, the payer or the requester can use the management host 11 to obtain the corresponding digital wallet in the database 122 provided by the blockchain network 12, such as the first digital wallet or the second digital wallet for transactions and Leave true transaction records. Users can learn how many virtual currency tokens are stored in their digital wallet, how many virtual currency tokens have been distributed to others, how many virtual currency tokens have been redeemed, etc., and can easily calculate their equivalent legal currency amount.

請注意，在另一實施例中之網路交易系統可同時包括銀行主機與機構主機，使得使用者得以進行更多態樣之交易，如涉及藉一定價值之非法定貨幣之貨幣、資產或物品兌換虛擬貨幣令牌，再藉虛擬貨幣令牌兌換法定貨幣者，或涉及藉法定貨幣兌換虛擬貨幣令牌，再藉虛擬貨幣令牌兌換非法定貨幣之貨幣、資產或物品者。Please note that in another embodiment, the online transaction system may include both a bank host and an institution host, allowing users to conduct more types of transactions, such as currencies, assets or items that involve borrowing a certain value of non-statutory currency Those who exchange virtual currency tokens and then borrow virtual currency tokens to exchange for legal tender, or those that involve borrowing legal currency to exchange virtual currency tokens and then borrow virtual currency tokens to exchange non-statutory currency currencies, assets or items.

前述管理主機、電腦節點、銀行主機及機構主機之個別內部架構、型態與種類並無限制。舉例來說，但不限於，管理主機、電腦節點、銀行主機及機構主機中之任一者可為一伺服裝置，如：單一伺服器、多個伺服器、分散式伺服器、集中式伺服器或其他主機。圖17繪示例示的伺服裝置2之硬體架構圖。參閱圖17，伺服裝置2可包括處理器21、記憶體22、通訊架構23、通訊介面24及存儲單元25。處理器21中可執行至少一程式，利用記憶體22、通訊架構23、通訊介面24及存儲單元25之資源，並與外部裝置通訊進行交易。圖17所示的硬體架構例如可應用於圖1、圖9、圖13的管理主機11、銀行主機15、電腦節點124、124'、機構主機16等。The individual internal structures, types and types of the aforementioned management hosts, computer nodes, bank hosts, and institutional hosts are not limited. For example, but not limited to, any one of the management host, computer node, bank host, and institutional host can be a server device, such as a single server, multiple servers, distributed servers, and centralized servers Or other hosts. FIG. 17 is an exemplary hardware architecture diagram of the servo device 2. Referring to FIG. 17, the server device 2 may include a processor 21, a memory 22, a communication structure 23, a communication interface 24 and a storage unit 25. The processor 21 can execute at least one program, utilize the resources of the memory 22, the communication framework 23, the communication interface 24, and the storage unit 25, and communicate with external devices for transactions. The hardware architecture shown in FIG. 17 can be applied to, for example, the management host 11, the bank host 15, the computer nodes 124, 124', and the institution host 16 of FIGS. 1, 9, and 13 of FIG.

本發明透過於區塊鏈網路執行智能合約進行智能付款程序與智能請款程序，以推進交易之進行。智能合約進行智能付款程序時得與一銀行主機確認完成繳付一預定金額之法定貨幣或與一機構主機確認提交一定價值之非法定貨幣之貨幣、資產或物品，並對應產生一預定數量之虛擬貨幣令牌。智能合約進行智能請款程序時可確認兌現條件已完成並銷毀對應兌現請求的虛擬貨幣令牌。進行上述程序時，較佳是適於在區塊鏈網路的資料庫中產生對應交易紀錄，使交易紀錄具有真實性及公信力之優勢。並且，透過上述機制可使產生的虛擬貨幣令牌與繳付的法定貨幣或提交的非法定貨幣之貨幣、資產或物品產生價值對應的連結性，藉此可使付款方或請款方得以法定貨幣支付或收取交易款項，以符合現今普羅大眾進行交易之常態。The present invention performs smart payment procedures and smart payment procedures by executing smart contracts on a blockchain network to facilitate transactions. When the smart contract performs the smart payment process, it must confirm with a bank host to complete the payment of a predetermined amount of legal currency or with an institution host to confirm the submission of a certain value of non-statutory currency currency, assets or items, and generate a predetermined amount of virtual currency. Currency token. The smart contract can confirm that the redemption conditions have been fulfilled during the smart payment procedure and destroy the virtual currency token corresponding to the redemption request. When performing the above procedures, it is better to generate corresponding transaction records in the database of the blockchain network, so that the transaction records have the advantages of authenticity and credibility. In addition, through the above-mentioned mechanism, the generated virtual currency token can be linked to the value of the paid legal currency or submitted non-statutory currency, assets or items, thereby enabling the payer or the requester to be legal Monetary payment or receipt of transaction funds is in line with the current normal state of transactions by the general public.

以上敍述依據本發明多個不同實施例，其中各項特徵可以單一或不同結合方式實施。因此，本發明實施方式之揭露為闡明本發明原則之具體實施例，應不拘限本發明於所揭示的實施例。進一步言之，先前敍述及其附圖僅為本發明示範之用，並不受其限囿。其他元件之變化或組合皆可能，且不悖于本發明之精神與範圍。The above description is based on a number of different embodiments of the present invention, in which each feature can be implemented in a single or different combination. Therefore, the disclosure of the embodiments of the present invention is a specific embodiment to clarify the principle of the present invention, and the present invention should not be limited to the disclosed embodiments. Furthermore, the foregoing description and the drawings are only for demonstration of the present invention, and are not limited by it. Variations or combinations of other elements are possible without departing from the spirit and scope of the present invention.

1A,1B,1C:網路交易系統 10:區塊鏈平台 11:管理主機 111:管理檢視單元 112:輸入介面單元 113:兌幣單元 114:兌現單元 115:通訊單元 12,12':區塊鏈網路 121,121':區塊鏈交易單元 1211,1211':智能合約模組 122,122':資料庫 123,123':區塊鏈通訊單元 124,124':節點 13:付款方裝置 14:請款方裝置 15:銀行主機 151:銀行通訊單元 152:銀行收款單元 1521:區塊鏈模組 153:銀行出款單元 1531:加解密模組 16:機構主機 161:機構通訊單元 162:價值鑑定單元 163:給付單元 2:伺服裝置 21:處理器 22:記憶體 23:通訊架構 24:通訊介面 25:存儲單元 300,302,304,306,308,310,312,400,402,404,406,408,409,410,412,414,416,418,419,420,421,422,423,424,426,427,428,429,430,432,434,436,500,600,602,604,606,608,609,610,612,614,616,617,618,619,620,621,622,623,624,625,626,627,628,629,630,631,632,634,636,637,638,639,640,641,642,644,646,648,650,652,654,656,658,660,662,664,666,668,670,672:步驟 1A, 1B, 1C: online trading system 10: Blockchain platform 11: Management host 111: Management View Unit 112: Input interface unit 113: Currency Exchange Unit 114: cash unit 115: communication unit 12, 12': Blockchain network 121,121': Blockchain transaction unit 1211, 1211': smart contract module 122,122': database 123,123': Blockchain communication unit 124,124': node 13: Payer's device 14: Applicant's device 15: Bank host 151: Bank Communication Unit 152: Bank Collection Unit 1521: Blockchain module 153: Bank withdrawal unit 1531: Encryption and decryption module 16: Institutional host 161: Institutional Communication Unit 162: Value Appraisal Unit 163: payment unit 2: Servo device 21: processor 22: Memory 23: Communication architecture 24: Communication interface 25: storage unit 300,302,304,306,308,310,312,400,402,404,406,408,409,410,412,414,416,418,419,420,421,422,423,424,426,427,428,429,430,432,434,436,500,600,602,604,606,608,609,610,612,614,616,617,618,619,620,621,622,623,624,625,626,627,628,629,630,631,632,634,636,637,638,639,640,641,642,644,646,648,650,652,654,656,658,660,662,664,666,668,670,672: Step

圖1顯示本發明第一實施例所提供之區塊鏈交易系統1的架構示意圖。FIG. 1 shows a schematic diagram of the block chain transaction system 1 provided by the first embodiment of the present invention.

圖2顯示一伺服裝置之硬體架構。Figure 2 shows the hardware architecture of a servo device.

圖3顯示本發明第一實施例之區塊鏈交易方法的簡化流程圖。Fig. 3 shows a simplified flowchart of the blockchain transaction method according to the first embodiment of the present invention.

圖4顯示本發明第一實施例之區塊鏈交易方法進行圖3之步驟300開立數位錢包的流程圖。FIG. 4 shows a flowchart of the block chain transaction method of the first embodiment of the present invention performing step 300 of FIG. 3 to open a digital wallet.

圖5顯示本發明第一實施例之區塊鏈交易方法進行圖3之步驟400之智能付款程序的細部流程圖。FIG. 5 shows a detailed flowchart of the smart payment procedure in step 400 of FIG. 3 in the blockchain transaction method according to the first embodiment of the present invention.

圖6顯示本發明第一實施例之區塊鏈交易方法進行圖3之步驟600進行智能請款程序的流程圖。FIG. 6 shows a flow chart of the block chain transaction method according to the first embodiment of the present invention performing the step 600 of FIG.

圖7顯示本發明第二實施例之區塊鏈交易方法進行圖3之步驟400之智能付款程序的流程圖。FIG. 7 shows a flowchart of the smart payment procedure in step 400 of FIG. 3 in the blockchain transaction method of the second embodiment of the present invention.

圖8顯示本發明第二實施例之區塊鏈交易方法進行圖3之步驟600進行智能請款程序的流程圖。FIG. 8 shows a flow chart of the block chain transaction method according to the second embodiment of the present invention performing the step 600 of FIG.

圖9顯示第二實施例所提供之區塊鏈交易系統的架構示意圖。FIG. 9 shows a schematic diagram of the architecture of the blockchain transaction system provided by the second embodiment.

圖10顯示本發明第二實施例所提供之區塊鏈交易系統的管理主機、區塊鏈網路、區塊鏈網路II及銀行主機的之方塊圖。FIG. 10 shows a block diagram of the management host, the blockchain network, the blockchain network II, and the bank host of the blockchain transaction system provided by the second embodiment of the present invention.

圖11顯示本發明第三實施例之區塊鏈交易方法進行圖3之步驟400之智能付款程序的流程圖。FIG. 11 shows a flowchart of the smart payment procedure in step 400 of FIG. 3 in the blockchain transaction method of the third embodiment of the present invention.

圖12顯示本發明第三實施例之區塊鏈交易方法進行圖3之步驟600進行智能請款程序的流程圖。FIG. 12 shows a flow chart of the block chain transaction method according to the third embodiment of the present invention performing the step 600 of FIG.

圖13顯示第三實施例所提供之交易系統的架構示意圖。FIG. 13 shows a schematic diagram of the structure of the transaction system provided by the third embodiment.

圖14顯示本發明第三實施例所提供之區塊鏈交易系統的管理主機、區塊鏈網路及機構主機的之方塊圖。FIG. 14 shows a block diagram of the management host, the blockchain network, and the organization host of the blockchain transaction system provided by the third embodiment of the present invention.

圖15顯示本發明第四實施例之區塊鏈交易方法進行圖3之步驟400之智能付款程序的流程圖。FIG. 15 shows a flowchart of the smart payment procedure in step 400 of FIG. 3 performed by the blockchain transaction method of the fourth embodiment of the present invention.

圖16顯示本發明第四實施例之區塊鏈交易方法進行智能領回程序的流程圖。FIG. 16 shows a flow chart of the smart withdrawal procedure of the blockchain transaction method according to the fourth embodiment of the present invention.

圖17顯示本發明各實施例所提供之區塊鏈交易系統的管理主機、電腦節點、區塊鏈網路、銀行主機及機構主機的架構示意圖。FIG. 17 shows a schematic diagram of the architecture of the management host, computer node, blockchain network, bank host, and institution host of the blockchain transaction system provided by various embodiments of the present invention.

1A:網路交易系統 1A: Online trading system

10:區塊鏈平台 10: Blockchain platform

11:管理主機 11: Management host

12:區塊鏈網路 12: Blockchain network

124:節點 124: Node

13:付款方裝置 13: Payer's device

14:請款方裝置 14: Applicant's device

15:銀行主機 15: Bank host

Claims (16)

一種網路交易之方法，應用於一區塊鏈網路，該方法包括下列步驟： 依據一付款方裝置所發出之一兌幣請求，由一區塊鏈網路之複數個電腦節點接收該兌幣請求的相關資訊； 由該複數個電腦節點設定一智能合約中的兌現條件； 由該複數個電腦節點執行該智能合約，以進行下列步驟： 與一銀行主機確認完成繳付一預定金額之法定貨幣、或與一機構主機確認提交一定價值之非法定貨幣之貨幣、資產或物品； 對應該兌幣請求產生一虛擬貨幣令牌之數量，並在該區塊鏈網路之一資料庫中產生對應的交易紀錄，其中，該交易紀錄包含該虛擬貨幣令牌之該數量； 依據一請款方裝置所發出之一兌現請求，確認該兌現條件已完成，其中，該兌現請求包含一兌現金額； 在該兌現條件確認已完成後，銷毀該虛擬貨幣令牌之該數量中為對應該兌現金額之部分虛擬貨幣令牌，並指示將該兌現金額之對應法定貨幣數量匯入請款方的銀行帳戶。An online transaction method applied to a blockchain network, the method includes the following steps: According to a currency exchange request sent by a payer device, a plurality of computer nodes of a blockchain network receive relevant information about the currency exchange request; The redemption conditions in a smart contract are set by the plurality of computer nodes; The smart contract is executed by the plurality of computer nodes to perform the following steps: Confirm with a bank host to complete the payment of a predetermined amount of legal currency, or confirm with an institution host to submit a certain value of non-statutory currency currency, assets or items; Generate a number of virtual currency tokens in response to the currency exchange request, and generate a corresponding transaction record in a database of the blockchain network, where the transaction record contains the number of virtual currency tokens; Confirming that the redemption condition has been fulfilled according to a redemption request sent by a requester device, wherein the redemption request includes a cash amount; After the confirmation of the redemption condition has been completed, destroy part of the virtual currency token corresponding to the cash amount in the amount of the virtual currency token, and instruct the corresponding legal currency amount of the cash amount to be transferred to the bank account of the requestor . 如申請專利範圍第1項所述的方法，其中，該兌幣請求包括一付款金額、欲兌換該虛擬貨幣令牌的該數量、一付款對象、一有效期限或該兌現條件之資訊。For the method described in item 1 of the patent application, the currency exchange request includes a payment amount, the amount of the virtual currency token to be exchanged, a payment object, an expiration date, or information on the redemption condition. 如申請專利範圍第1項所述的方法，其中，該兌現請求包括該虛擬貨幣令牌的一欲兌現數量及一欲兌現金額和一指定兌現帳戶之資訊。For the method described in item 1 of the scope of the patent application, the redemption request includes a desired redemption quantity and a desired redemption amount of the virtual currency token and information of a designated redemption account. 如申請專利範圍第3項所述的方法，其更包括： 由該複數個電腦節點所執行的該智能合約發出一匯款指令至該銀行主機指示匯出款項至該指定兌現帳戶。As the method described in item 3 of the scope of patent application, it further includes: The smart contract executed by the plurality of computer nodes sends a remittance instruction to the bank host to instruct to remit money to the designated cashing account. 如申請專利範圍第1項所述的方法，其更包括： 在該區塊鏈網路開立一付款方擁有的一第一數位錢包及一請款方擁有的一第二數位錢包。As the method described in item 1 of the scope of patent application, it further includes: Open a first digital wallet owned by a payer and a second digital wallet owned by a requester on the blockchain network. 如申請專利範圍第5項所述的方法，其中對應該兌幣請求產生一虛擬貨幣令牌之數量並在該區塊鏈網路之一資料庫中產生對應的交易紀錄之步驟包括： 以依據一議定比例計算產生該虛擬貨幣令牌之該數量，並將產生之該虛擬貨幣令牌傳送至該第一數位錢包；及 將該虛擬貨幣令牌之該數量自該第一數位錢包轉移至該第二數位錢包。For example, in the method described in item 5 of the scope of patent application, the steps of generating a quantity of virtual currency tokens in response to the currency exchange request and generating corresponding transaction records in a database of the blockchain network include: Calculate the amount of the virtual currency token generated according to an agreed ratio, and transmit the generated virtual currency token to the first digital wallet; and The amount of the virtual currency token is transferred from the first digital wallet to the second digital wallet. 如申請專利範圍第5項所述的方法，其更包括： 提供該資料庫中對應該第一數位錢包或該第二數位錢包的一交易紀錄。As the method described in item 5 of the scope of patent application, it further includes: Provide a transaction record corresponding to the first digital wallet or the second digital wallet in the database. 如申請專利範圍第5項所述的方法，其更包括： 確認該第一數位錢包或該第二數位錢包為有效。As the method described in item 5 of the scope of patent application, it further includes: Confirm that the first digital wallet or the second digital wallet is valid. 如申請專利範圍第1項所述的方法，其中再次執行該智能合約之步驟更包括： 由該複數個電腦節點所執行的該智能合約發出一領回指令至一機構主機指示讓請款方領回用來兌換虛擬貨幣令牌之一資產或物品。For the method described in item 1 of the scope of patent application, the step of executing the smart contract again includes: The smart contract executed by the plurality of computer nodes issues a reclaim instruction to an institution host to instruct the requester to reclaim an asset or item used to exchange virtual currency tokens. 一種區塊鏈平台，包括一資料庫儲存多筆交易紀錄，該區塊鏈平台被配置以執行如申請專利範圍第1~9項任一項所述網路交易之方法。A blockchain platform includes a database for storing multiple transaction records, and the blockchain platform is configured to execute the method of online transactions described in any one of items 1 to 9 of the scope of patent application. 一種網路交易之系統，包括： 一付款方裝置，發出之一兌幣請求； 一請款方裝置，發出之一兌現請求； 一管理主機，係被配置以與該付款方裝置、該請款方裝置及一區塊鏈網路通訊；及 該區塊鏈網路，包括一資料庫分布於複數個電腦節點，該些電腦節點接收該兌幣請求的相關資訊，設定一智能合約中的兌現條件，並執行該智能合約，以進行下列步驟： 與一銀行主機確認完成繳付一預定金額之法定貨幣、或與一機構主機確認提交一定價值之非法定貨幣之貨幣、資產或物品； 對應該兌幣請求產生一虛擬貨幣令牌之數量，並在該區塊鏈網路之一資料庫中產生對應的交易紀錄，其中，該交易紀錄包含該虛擬貨幣令牌之該數量； 該些電腦節點亦接收該兌現請求的相關資訊，確認該兌現條件已完成，其中，該兌現請求包含一兌現金額，在該兌現條件確認已完成後，銷毀該虛擬貨幣令牌之該數量中為對應該兌現金額之部分虛擬貨幣令牌，並指示將該兌現金額之對應法定貨幣數量匯入請款方的銀行帳戶。An online transaction system, including: A payer device sends out a currency exchange request; A requester’s device sends out a redemption request; A management host configured to communicate with the payer device, the requester device and a blockchain network; and The blockchain network includes a database distributed on a plurality of computer nodes. The computer nodes receive information about the currency exchange request, set the redemption conditions in a smart contract, and execute the smart contract to perform the following steps : Confirm with a bank host to complete the payment of a predetermined amount of legal currency, or confirm with an institution host to submit a certain value of non-statutory currency currency, assets or items; Generate a number of virtual currency tokens in response to the currency exchange request, and generate a corresponding transaction record in a database of the blockchain network, where the transaction record contains the number of virtual currency tokens; The computer nodes also receive the relevant information of the redemption request and confirm that the redemption condition has been completed. The redemption request includes a cash amount. After the redemption condition is confirmed to be completed, the amount of the virtual currency token is destroyed Part of the virtual currency token corresponding to the cash amount, and instruct the amount of legal currency corresponding to the cash amount to be transferred to the bank account of the requesting party. 如申請專利範圍第11項所述的網路交易系統，其中該管理主機係被配置而提供： 一通訊單元，與該付款方裝置、該請款方裝置及該區塊鏈網路通訊，將該兌幣請求傳送至該區塊鏈網路並接收來自該資料庫中該對應交易紀錄相關之一資訊，並提供該資訊至該付款方裝置或該請款方裝置； 一兌幣單元，係被配置以依據來自該付款方裝置進行付款之操作訊息而作動，透過該通訊單元與該區塊鏈網路及一銀行主機或一機構主機通訊以完成智能付款程序；及 一兌現單元，係被配置以依據來自該請款方裝置進行請款之操作訊息而作動，透過該通訊單元與該區塊鏈網路及一銀行主機或一機構主機通訊以完成智能請款程序。For example, the online transaction system described in item 11 of the scope of patent application, wherein the management host is configured to provide: A communication unit communicates with the payer's device, the requester's device and the blockchain network, transmits the currency exchange request to the blockchain network and receives the corresponding transaction records from the database A piece of information, and provide the information to the payer device or the requester device; A currency exchange unit is configured to act according to the operation information from the payer device for payment, and communicates with the blockchain network and a bank host or an institution host through the communication unit to complete the smart payment process; and A redemption unit is configured to act according to the operation information from the requesting party's device for requesting funds, and communicates with the blockchain network and a bank host or an institution host through the communication unit to complete the smart payment process . 如申請專利範圍第12項所述的網路交易系統，其中該兌幣單元依據來自該付款方裝置之包括一付款金額、欲兌換虛擬貨幣令牌的一數量、一付款對象、一有效期限或一兌現條件之一操作訊息並對應產生該兌幣請求。For example, the online transaction system described in item 12 of the scope of patent application, wherein the currency exchange unit includes a payment amount, a quantity of virtual currency tokens to be exchanged, a payment object, an expiration date, or An operation message of one of the redemption conditions and correspondingly generates the currency redemption request. 如申請專利範圍第12項所述的網路交易系統，其中該兌現單元依據來自該請款方裝置之包括欲兌現的虛擬貨幣令牌的一數量及一金額和該指定兌現帳戶之一操作訊息並對應產生該兌現請求。For example, the online transaction system described in item 12 of the scope of patent application, wherein the redemption unit is based on a quantity and an amount of virtual currency tokens to be redeemed from the requestor device and an operation message of the designated redemption account And correspondingly generate the redemption request. 如申請專利範圍第11項所述的網路交易系統，其中該管理主機係被配置而提供： 一輸入介面單元，提供一通訊介面，接收一付款方裝置之一操作訊息；及 一管理檢視單元，對應該操作訊息產生該兌幣請求。For example, the online transaction system described in item 11 of the scope of patent application, wherein the management host is configured to provide: An input interface unit that provides a communication interface to receive an operation message of a payer device; and A management viewing unit generates the currency exchange request corresponding to the operation message. 如申請專利範圍第15項所述的網路交易系統，其中該管理檢視單元對應該操作訊息發起一請求，經該付款端網路模組傳送至該區塊鏈網路後，依據自該區塊鏈網路接收到的一數位錢包的一交易紀錄傳送對應訊息至該付款方裝置。For example, the network transaction system described in item 15 of the scope of patent application, wherein the management and viewing unit initiates a request in response to the operation message, and after it is transmitted to the blockchain network through the payment terminal network module, it is based on A transaction record of a digital wallet received by the blockchain network sends a corresponding message to the payer device.

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