TWI694398B - Blockchain-based systems and methods for transactions of digital tokens - Google Patents

Blockchain-based systems and methods for transactions of digital tokens Download PDF

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TWI694398B
TWI694398B TW107123120A TW107123120A TWI694398B TW I694398 B TWI694398 B TW I694398B TW 107123120 A TW107123120 A TW 107123120A TW 107123120 A TW107123120 A TW 107123120A TW I694398 B TWI694398 B TW I694398B
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blockchain
digital pass
pass
transaction
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TW202006643A (en
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林一泓
陳彥輔
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綠界科技股份有限公司
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Abstract

A blockchain-based system for transactions of digital tokens is provided. The system uses a blockchain technology to create a private blockchain for issuing a private cryptocurrency and to create a public blockchain for issuing a public cryptocurrency. Also, the system provides the service of exchange between the private cyptocurrency, the public cryptocurrency, and a fiat currency. Particularly, in response to each exchange from the fiat currency to the private cyptocurrency or the public cryptocurrency, the system deposits an amount of the fiat currency equivalent to the amount of the exchange in an account of a financial institution.

Description

基於區塊鏈的數位通令交易系統及方法 Blockchain-based digital trading system and method

本申請主要關於區塊鏈技術，特別係有關於一種基於區塊鏈的數位通令(digital tokens)交易系統及方法。 This application is mainly about blockchain technology, and in particular relates to a blockchain-based digital tokens trading system and method.

隨著網路的普及與資訊科技的蓬勃發展，用戶端與金融端的互動方式正經歷大幅度的轉變，舉例來說，在某些應用領域(如：電子商務、線上遊戲等領域)，虛擬貨幣正逐漸取代實體貨幣(如：法定貨幣(fiat currency))成為交易的主要支付方式。 With the popularity of the Internet and the vigorous development of information technology, the interaction between the user and the financial side is undergoing a substantial change. For example, in certain application areas (such as e-commerce, online games, etc.), virtual currency It is gradually replacing physical currency (such as fiat currency) as the main payment method for transactions.

相較於實體貨幣，虛擬貨幣由於沒有實體而只以數位資料的形態存在於電子裝置的儲存媒體中，且由於大多數的電子裝置具有連網功能，因此在安全性方面，虛擬貨幣有容易遭到竄改的缺點。為了解決這個問題，近年來發展出加密貨幣技術，加密貨幣雖然是一種虛擬貨幣，但是加密貨幣使用了密碼學原理來確保交易安全，其中，又以基於區塊鏈技術的加密貨幣最受到歡迎。 Compared with physical currency, virtual currency exists only in the form of digital data in the storage medium of electronic devices because there is no physical currency, and because most electronic devices have a network function, virtual currency is vulnerable to security. To the shortcomings of tampering. In order to solve this problem, cryptocurrency technology has been developed in recent years. Although cryptocurrency is a virtual currency, cryptocurrency uses cryptographic principles to ensure transaction security. Among them, cryptocurrency based on blockchain technology is the most popular.

相較於實體貨幣需依賴中心化監管體系的銀行金融系統來維持交易紀錄的一致性，基於區塊鏈技術的加密貨幣是一種去中心化的加密貨幣，而去中心化模式，則是將仲裁的權力，移轉給去中心化的虛擬網路，讓合格的相關節點持續依照時序， 將各項交易以資料區塊的形式加以記錄，再提供給相關社群的成員。一般來說，區塊鏈中的每個區塊包括前一個區塊的參考內容，參考內容會包含前一個密碼的加密雜湊校驗和(cryptographic hash checksum)，如此一來，就能夠讓這些區塊形成一個永久且無法竄改的鏈結構以保存所有的交易紀錄。 Compared with the physical currency, which relies on the banking financial system of the centralized supervision system to maintain the consistency of transaction records, the cryptocurrency based on the blockchain technology is a decentralized cryptocurrency, and the decentralized mode is to arbitrate The power is transferred to the decentralized virtual network, so that qualified related nodes continue to record each transaction in the form of data blocks according to the time sequence, and then provide it to the members of the relevant community. Generally speaking, each block in the blockchain includes the reference content of the previous block, and the reference content will include the cryptographic hash checksum of the previous password, so that these areas can be made The block forms a permanent and unalterable chain structure to keep all transaction records.

進一步說明，基於區塊鏈技術的加密貨幣在兌換時係透過虛擬貨幣交易所，然而，虛擬貨幣交易所常出現破產、遭駭客入侵、管理不善/詐欺、或欠缺償付能力等風險。 To further explain, cryptocurrencies based on blockchain technology are exchanged through virtual currency exchanges. However, virtual currency exchanges often face risks such as bankruptcy, hacking, poor management/fraud, or lack of solvency.

本申請提供了一種基於區塊鏈的數位通令交易系統及方法，其中所述數位通令係用以表示交易的實體(entity)，如：法定貨幣或加密貨幣。舉例來說，當數位通令係關聯至加密貨幣時，它可以是區塊鏈中交易紀錄的一部分(如：標示交易實體的那部分資料)。本申請所述基於區塊鏈的數位通令交易系統及方法可使用區塊鏈技術建立私有鏈以發行私有加密貨幣、建立公有鏈以發行公有加密貨幣，並提供私有加密貨幣、公有加密貨幣、以及法定貨幣之間的交易服務，同時，在用戶端以法定貨幣兌換私有加密貨幣或公有加密貨幣時，還提供等值法定貨幣的信託保證。 The present application provides a blockchain-based digital transaction system and method, where the digital transaction is used to represent the entity of the transaction, such as fiat currency or cryptocurrency. For example, when the digital token is linked to a cryptocurrency, it can be part of the transaction record in the blockchain (eg, the part of the data that indicates the transaction entity). The blockchain-based digital pass transaction system and method described in this application can use blockchain technology to establish a private chain to issue private cryptocurrencies, establish a public chain to issue public cryptocurrencies, and provide private cryptocurrencies, public cryptocurrencies, and The transaction service between fiat currencies, and at the same time, when the user exchanges fiat currencies for private cryptocurrencies or public cryptocurrencies, it also provides fiat currency equivalent trust guarantee.

本申請之一實施例提供了一種基於區塊鏈的數位通令交易系統，其包括一通訊裝置、一儲存裝置、以及一控制器。上述通訊裝置用以提供連線至網際網路以及網際網路上之一金融機構伺服器。上述儲存裝置用以儲存電腦可讀取之複數指令或程式碼。上述控制器，耦接至上述通訊裝置以及上述儲存裝置，用以從上述儲存裝置載入並執行上述指令或程式碼以執行以下步 驟：提供一第一數位通令與一第二數位通令之間的兌換(exchange)；當上述第一數位通令以及上述第二數位通令之一者係關聯至一法定貨幣且上述第一數位通令以及上述第二數位通令之另一者係關聯至一加密貨幣時，根據上述兌換之一單位數量決定相應於上述法定貨幣之一金額；以及透過上述通訊裝置傳送包括上述金額資訊之一信託金存入請求或一信託金提領請求至上述金融機構伺服器。 An embodiment of the present application provides a blockchain-based digital pass transaction system, which includes a communication device, a storage device, and a controller. The above communication device is used to provide connection to the Internet and a financial institution server on the Internet. The above storage device is used to store a plurality of computer readable commands or program codes. The controller, coupled to the communication device and the storage device, is used to load and execute the instruction or program code from the storage device to perform the following steps: provide a first digital pass and a second digital pass Exchange; when one of the first digital pass and the second digital pass is associated with a fiat currency and the other of the first digital pass and the second digital pass is associated with an encrypted currency, An amount corresponding to the fiat currency is determined according to the number of one unit of the exchange; and a trust deposit request or a trust withdrawal request including the amount information is transmitted to the server of the financial institution through the communication device.

本申請之另一實施例提供了一種基於區塊鏈的數位通令交易方法，適用於一種基於區塊鏈的數位通令交易系統，上述基於區塊鏈的數位通令交易方法包括以下步驟：提供一第一數位通令與一第二數位通令之間的兌換；當上述第一數位通令以及上述第二數位通令之一者係關聯至一法定貨幣且上述第一數位通令以及上述第二數位通令之另一者係關聯至一加密貨幣時，根據上述兌換之一單位數量決定相應於上述法定貨幣之一金額；以及傳送包括上述金額資訊之一信託金存入請求或一信託金提領請求至一金融機構伺服器。 Another embodiment of the present application provides a blockchain-based digital pass transaction method, which is suitable for a blockchain-based digital pass transaction system. The blockchain-based digital pass transaction method includes the following steps: providing a first Exchange between a digital pass and a second digital pass; when one of the first digital pass and the second digital pass is associated with a fiat currency and the other of the first digital pass and the second digital pass When the person is associated with a cryptocurrency, the amount corresponding to one of the fiat currencies is determined based on the number of units in the exchange; and a trust deposit request or a trust withdrawal request including the amount information is sent to a financial institution server.

關於本申請其他附加的特徵與優點，此領域之熟習技術人士，在不脫離本申請之精神和範圍內，當可根據本案實施方法中所揭露之基於區塊鏈的數位通令交易系統及方法做些許的更動與潤飾而得到。 Regarding other additional features and advantages of this application, those skilled in the art can, without departing from the spirit and scope of this application, do according to the blockchain-based digital transaction system and method disclosed in the implementation method of this case Get some changes and retouching.

1000‧‧‧數位通令交易環境 1000‧‧‧Digital trading environment

110、120‧‧‧用戶端計算裝置 110、120‧‧‧Client computing device

130‧‧‧基於區塊鏈的數位通令交易系統 130‧‧‧Blockchain-based digital trading system

131‧‧‧區塊鏈模組 131‧‧‧ Blockchain module

132‧‧‧交易管理模組 132‧‧‧Transaction Management Module

140‧‧‧金融機構伺服器 140‧‧‧Financial institution server

150‧‧‧網際網路 150‧‧‧Internet

160‧‧‧電信網路 160‧‧‧Telecommunication network

170‧‧‧無線存取點 170‧‧‧Wireless access point

2100‧‧‧通訊裝置 2100‧‧‧Communication device

2200‧‧‧控制器 2200‧‧‧Controller

2300‧‧‧儲存裝置 2300‧‧‧Storage device

2400‧‧‧輸入輸出裝置 2400‧‧‧I/O device

S301~S310‧‧‧步驟編號 S301~S310‧‧‧Step number

S401~S409‧‧‧步驟編號 S401~S409‧‧‧Step number

S501~S511‧‧‧步驟編號 S501~S511‧‧‧Step number

S601~S616‧‧‧步驟編號 S601~S616‧‧‧Step number

700‧‧‧數位通令交易介面 700‧‧‧Digital trading interface

702‧‧‧「區塊鏈類型」欄位 702‧‧‧ "Blockchain Type" field

704‧‧‧「錢包地址」欄位 704‧‧‧ "wallet address" field

706、708‧‧‧「加密貨幣」欄位 706, 708‧‧‧ "cryptocurrency" field

710‧‧‧「交易紀錄」欄位 710‧‧‧ "Transaction Record" field

第1圖係根據本申請一實施例所述之數位通令交易環境之示意圖。 Figure 1 is a schematic diagram of a digital trading environment according to an embodiment of the present application.

第2圖係根據本申請一實施例所述之基於區塊鏈的數位通令交易系統130之硬體架構示意圖。 FIG. 2 is a schematic diagram of the hardware architecture of the blockchain-based digital transaction system 130 according to an embodiment of the present application.

第3圖係根據本申請一實施例所述之法定貨幣兌換加密貨幣之流程圖。 FIG. 3 is a flowchart of converting fiat currency to encrypted currency according to an embodiment of the present application.

第4圖係根據本申請一實施例所述之加密貨幣兌換法定貨幣之流程圖。 Figure 4 is a flow chart of the conversion of cryptocurrency to fiat currency according to an embodiment of the present application.

第5圖係根據本申請一實施例所述之加密貨幣轉帳之流程圖。 Figure 5 is a flowchart of cryptocurrency transfer according to an embodiment of the present application.

第6A與6B圖係根據本申請一實施例所述使用私有加密貨幣進行電商交易之流程圖。 Figures 6A and 6B are flowcharts of using private cryptocurrencies for e-commerce transactions according to an embodiment of the present application.

第7A~7C圖係根據本申請一實施例所述之數位通令交易介面之示意圖。 Figures 7A-7C are schematic diagrams of a digital transaction interface according to an embodiment of the present application.

本章節所敘述的是實施本申請之較佳方式，目的在於說明本申請之精神而非用以限定本申請之保護範圍，當可理解的是，使用於本說明書中的「包含」、「包括」等詞，係用以表示存在特定的技術特徵、數值、方法步驟、作業處理、元件以及/或組件，但並不排除可加上更多的技術特徵、數值、方法步驟、作業處理、元件、組件，或以上的任意組合。 This section describes the best way to implement this application, the purpose is to illustrate the spirit of this application and not to limit the scope of protection of this application, when it is understandable that the "comprising", "including "Is used to indicate the existence of specific technical features, values, method steps, operations, components, and/or components, but does not exclude the addition of more technical features, values, method steps, operations, components. , Components, or any combination of the above.

第1圖係根據本申請一實施例所述之數位通令交易環境之示意圖。 Figure 1 is a schematic diagram of a digital trading environment according to an embodiment of the present application.

如第1圖所示，數位通令交易環境100包括用戶端計算裝置110、120、基於區塊鏈的數位通令交易系統130、金融機構伺服器140、網際網路150、電信網路160、以及無線存取點170。 As shown in FIG. 1, the digital trading environment 100 includes client computing devices 110, 120, a blockchain-based digital trading system 130, a financial institution server 140, the Internet 150, a telecommunications network 160, and wireless Access point 170.

用戶端計算裝置110、120係由不同的消費者所使用，並分別透過電信網路160、以及無線存取點170連接至網際網路150，再進一步連接到彼此、或連接到基於區塊鏈的數位通令交易系統130以進行數位通令交易，包括：數位通令之兌換(exchange)及轉帳(transfer)。 The client computing devices 110 and 120 are used by different consumers and connected to the Internet 150 through the telecommunication network 160 and the wireless access point 170 respectively, and then further connected to each other or to the blockchain-based The digital currency trading system 130 is used to perform digital currency transactions, including: exchange and transfer of digital currency commands.

本申請所述數位通令係用以表示交易的實體，例如：法定貨幣、加密貨幣(或稱為代幣)、由所有權證書(title deeds)來證明所有權的任何物品(如：房屋、土地等)、無記名債券(bearer bond)、關聯至特定商品/服務的獨一無二識別碼(如：條碼、射頻識別碼等)、或取得特定服務的權利合約(也就是說，此處所指的交易實體是取得特定服務的權利)。舉例來說，當數位通令係關聯至加密貨幣時，它可以是區塊鏈中交易紀錄的一部分(如：標示交易實體的那部分資料)。 The digital pass mentioned in this application is an entity used to represent transactions, such as: fiat currency, cryptocurrency (or called tokens), any items (such as houses, land, etc.) that prove ownership by title deeds , Bearer bond, unique identification code (such as bar code, radio frequency identification code, etc.) associated with a specific product/service, or a right contract to obtain a specific service (that is, the transaction entity referred to here is to obtain a specific Service rights). For example, when the digital token is linked to a cryptocurrency, it can be part of the transaction record in the blockchain (eg, the part of the data that indicates the transaction entity).

為方便理解，本申請以下實施例所述數位通令係關聯至法定貨幣或加密貨幣，也就是說，以實體貨幣及虛擬貨幣之間的交易進行說明，但本發明不在此限。 For ease of understanding, the digital pass commands described in the following embodiments of the present application are related to legal currency or encrypted currency, that is, transactions between physical currency and virtual currency are described, but the invention is not limited thereto.

用戶端計算裝置110、120可各別為一具備網路通訊功能之計算裝置，如：智慧型手機、平板電腦、筆記型電腦、或桌上型電腦，其可透過瀏覽器或特定的行動應用程式(APP)為介面與基於區塊鏈的數位通令交易系統130進行交易作業。 The client computing devices 110 and 120 can each be a computing device with network communication functions, such as a smart phone, tablet computer, notebook computer, or desktop computer, which can be accessed through a browser or a specific mobile application. The program (APP) is an interface to perform transaction operations with the blockchain-based digital transaction system 130.

電信網路160可為一全球行動通訊系統(Global System for Mobile communications，GSM)、通用封包無線服務(General Packet Radio Service，GPRS)網路、全球增強型數據傳輸(Enhanced Data rates for Global Evolution，EDGE)網路、 寬頻分碼多工存取(Wideband Code Division Multiple Access，WCDMA)網路、分碼多工存取-2000(Code Division Multiple Access 2000，CDMA-2000)網路、分時同步分碼多工存取(Time Division-Synchronous Code Division Multiple Access，TD-SCDMA)網路、全球互通微波存取(Worldwide Interoperability for Microwave Access，WiMAX)網路、長期演進(Long Term Evolution，LTE)網路、或分時長期演進(Time-Division LTE，TD-LTE)網路等，端視所使用的無線技術而定。其主要負責建立一無線廣域網路，以提供無線通訊服務給用戶端計算裝置110。 The telecommunication network 160 can be a Global System for Mobile Communications (GSM), General Packet Radio Service (GPRS) network, and Enhanced Data Rates for Global Evolution, EDGE ) Network, Broadband Code Division Multiple Access (WCDMA) network, Code Division Multiple Access 2000 (CDMA-2000) network, time division synchronization code division Time Division-Synchronous Code Division Multiple Access (TD-SCDMA) network, Worldwide Interoperability for Microwave Access (WiMAX) network, Long Term Evolution (LTE) network, Or Time-Division LTE (TD-LTE) network, etc., depending on the wireless technology used. It is mainly responsible for establishing a wireless wide area network to provide wireless communication services to the client computing device 110.

無線存取點170可使用短距無線技術，例如：無線保真(Wireless Fidelity，WiFi)技術、藍牙技術、群蜂(Zigbee)技術等，建立一無線區域網路，以提供無線通訊服務給用戶端計算裝置120。無線存取點170可透過乙太網(Ethernet)纜線連接至有線區域網路，再透過有線區域網路連接至網際網路150，其功能通常係用以接收、暫存、以及傳送用戶端計算裝置120之資料流量。 The wireless access point 170 can use short-range wireless technologies, such as: Wireless Fidelity (WiFi) technology, Bluetooth technology, Zigbee technology, etc., to establish a wireless local area network to provide wireless communication services to users端Computer 120. The wireless access point 170 can be connected to a wired local area network through an Ethernet cable, and then connected to the Internet 150 through a wired local area network. Its functions are usually used to receive, temporarily store, and transmit clients. The data flow of the computing device 120.

基於區塊鏈的數位通令交易系統130包括區塊鏈模組131以及交易管理模組132，上述軟體模組可由程式碼所組成並由控制器載入執行，從而實現本申請的基於區塊鏈的數位通令交易方法。 The blockchain-based digital transaction system 130 includes a blockchain module 131 and a transaction management module 132. The above-mentioned software modules can be composed of program code and loaded and executed by a controller, thereby realizing the blockchain-based The method of digital currency trading.

區塊鏈模組131主要負責使用一區塊鏈技術建立私有鏈以發行及維護私有加密貨幣TWDT-COIN、以及建立公有鏈以發行及維護公有加密貨幣TWDT-ETH。由於私有鏈的特性，私有加密貨幣TWDT-COIN僅限於基於區塊鏈的數位通令交易系統130內進行交易；相較之下，公有加密貨幣TWDT-ETH則可於公網上 的任一虛擬貨幣交易所進行交易，而不限於基於區塊鏈的數位通令交易系統130內進行交易。 The blockchain module 131 is mainly responsible for establishing a private chain using a blockchain technology to issue and maintain the private cryptocurrency TWDT-COIN, and establishing a public chain to issue and maintain the public cryptocurrency TWDT-ETH. Due to the characteristics of the private chain, the private cryptocurrency TWDT-COIN is limited to transactions based on the blockchain-based digital trading system 130; in contrast, the public cryptocurrency TWDT-ETH can be used in any virtual currency on the public network The exchange conducts transactions and is not limited to transactions within the blockchain-based digital trading system 130.

在一實施例，上述區塊鏈技術可以是乙太坊(Ethereum)技術，相應地，上述加密貨幣可根據乙太坊的ERC20標準所發行或產生。在另一實施例，上述區塊鏈技術可以是比特幣(Bitcoin)技術、萊特幣(Litecoin)技術、點點幣(Peercoin)技術、或其他的區塊鏈技術。 In one embodiment, the above-mentioned blockchain technology may be Ethereum (Ethereum) technology, and accordingly, the above-mentioned cryptocurrency may be issued or generated according to the ERC20 standard of Ethereum. In another embodiment, the above-mentioned blockchain technology may be Bitcoin technology, Litecoin technology, Peercoin technology, or other blockchain technology.

交易管理模組132主要係架設於區塊鏈模組131之上，負責使用區塊鏈模組131的功能以提供電子錢包(包括：用戶電子錢包、發行電子錢包、營運電子錢包)、數位通令交易、信託金管理、以及用戶驗證等功能。 The transaction management module 132 is mainly built on the blockchain module 131 and is responsible for using the functions of the blockchain module 131 to provide electronic wallets (including: user electronic wallets, issuing electronic wallets, operating electronic wallets), and digital pass-through Functions such as transaction, trust fund management, and user verification.

進一步說明，交易管理模組132會針對每個用戶端提供至少一相應之用戶電子錢包，而每個用戶電子錢包可記錄一或多個錢包地址、以及每個錢包地址存有多少加密貨幣。發行電子錢包係用以紀錄基於區塊鏈的數位通令交易系統130在建立公有鏈及私有鏈之初所產生的加密貨幣總數、以及這些加密貨幣存在哪個錢包地址。營運電子錢包係用以紀錄基於區塊鏈的數位通令交易系統130在營運時從發行電子錢包所提取出來用於數位通令交易的加密貨幣的單位數量、以及這些加密貨幣存在哪個錢包地址。舉例來說，如果基於區塊鏈的數位通令交易系統130要發行一千億的加密貨幣，則發行電子錢包所紀錄的加密貨幣總數為1000億，之後，基於區塊鏈的數位通令交易系統130可從發行電子錢包提取1億到營運電子錢包，以提供數位通令交易之用。 To further explain, the transaction management module 132 will provide at least one corresponding user electronic wallet for each user terminal, and each user electronic wallet may record one or more wallet addresses and how many encrypted currencies are stored in each wallet address. The issuance of an electronic wallet is used to record the total number of cryptocurrencies generated by the blockchain-based digital pass transaction system 130 at the beginning of the establishment of public and private chains, and which wallet addresses exist for these cryptocurrencies. The operating e-wallet is used to record the number of units of cryptocurrencies extracted from the issuance of e-wallets for digital currency transactions based on the blockchain-based digital currency trading system 130 during operation, and which wallet addresses exist for these cryptocurrencies. For example, if the blockchain-based digital trading system 130 is to issue 100 billion cryptocurrencies, the total number of cryptocurrencies recorded in the issuance of the electronic wallet is 100 billion. After that, the blockchain-based digital trading system 130 It can withdraw 100 million from the issuance of e-wallets to operate e-wallets to provide digital pass-through transactions.

雖未繪示，數位通令交易環境100還可再包括一或多 個安全儲存裝置，供用戶端計算裝置110或120透過有線(如：通用序列匯流排(Universal Serial Bus，USB))或無線(如：藍牙(bluetooth))的方式連結以離線儲存每個用戶端自己的加密貨幣，換句話說，安全儲存裝置可被視為一種用戶端個人維護的電子錢包，而由於其可離線儲存的特性，一般又可被稱為冷錢包。 Although not shown, the digital trading environment 100 may further include one or more secure storage devices for the client computing device 110 or 120 to be wired (eg, Universal Serial Bus (USB)) or wireless ( Such as: Bluetooth (bluetooth)) link to store each client's own cryptocurrency offline, in other words, the secure storage device can be regarded as a personal wallet maintained by the client, and due to its offline storage feature , Can also be called cold wallet.

金融機構伺服器140係由金融機構(如：銀行)所架設，其主要負責提供應用程式介面(Application Programming Interface，API)讓交易管理模組132能夠與之進行信託金的存入以及提取操作。 The financial institution server 140 is set up by a financial institution (such as a bank), and is mainly responsible for providing an application programming interface (API) for the transaction management module 132 to deposit and withdraw trust funds with.

進一步說明，用戶端計算裝置110、120透過基於區塊鏈的數位通令交易系統130所進行的交易，包括：法定貨幣(如：新台幣NTD)兌換私有加密貨幣(如：TWDT-COIN)或公有加密貨幣(如：TWDT-ETH)、私有加密貨幣(如：TWDT-COIN)或公有加密貨幣(如：TWDT-ETH)兌換法定貨幣、私有加密貨幣(如：TWDT-COIN)與公有加密貨幣(如：TWDT-ETH)之間相互兌換、私有加密貨幣(如：TWDT-COIN)的轉帳、以及公有加密貨幣(如：TWDT-ETH)的轉帳。 To further explain, the transactions performed by the client computing devices 110 and 120 through the blockchain-based digital transaction system 130 include: fiat currency (eg: NTD) exchange for private cryptocurrency (eg: TWDT-COIN) or public Exchange of cryptocurrencies (e.g. TWDT-ETH), private cryptocurrencies (e.g. TWDT-COIN) or public cryptocurrencies (e.g. TWDT-ETH) to fiat currencies, private cryptocurrencies (e.g. TWDT-COIN) and public cryptocurrencies (e.g. TWDT-COIN) Such as: TWDT-ETH) mutual exchange, private encrypted currency (such as: TWDT-COIN) transfer, and public encrypted currency (such as: TWDT-ETH) transfer.

值得注意的是，針對公有加密貨幣(如：TWDT-ETH)的轉帳，任一虛擬貨幣交易所、或基於區塊鏈的數位通令交易系統130可收取一定的手續費。然而，針對私有加密貨幣(如：TWDT-COIN)的轉帳，基於區塊鏈的數位通令交易系統130可不收取任何手續費(或稱為服務費)、或收取較低之手續費，因此可降低加密貨幣的使用門檻。 It is worth noting that for the transfer of public cryptocurrencies (such as TWDT-ETH), any virtual currency exchange or blockchain-based digital trading system 130 can charge a certain fee. However, for the transfer of private cryptocurrencies (such as TWDT-COIN), the blockchain-based digital trading system 130 may not charge any handling fee (or called service fee) or charge a lower handling fee, so it can be reduced The threshold for the use of cryptocurrencies.

以線上遊戲的支付方式為例，傳統上係由線上遊戲 商各自開發支付平台或透過超商代收以與遊戲玩家進行交易(如：購買遊戲點數、虛擬寶物的買賣等)，相較之下，如果透過本申請的私有加密貨幣(如：TWDT-COIN)來進行線上遊戲的交易支付，則可大幅節省線上遊戲商開發支付平台的成本，且無須支付超商高額的代收服務費。因此，私有加密貨幣(如：TWDT-COIN)可成為跨遊戲業者(或其他應用服務領域)的統一支付媒體。 Take the payment method of online games as an example. Traditionally, online game companies have developed payment platforms or collected through hypermarkets to conduct transactions with game players (such as buying game points, buying and selling virtual treasures, etc.). Next, if you use this application's private cryptocurrency (such as TWDT-COIN) to pay for online game transactions, you can greatly save the cost of online game developers to develop payment platforms, and you don't need to pay high service fees for super merchants. Therefore, private cryptocurrencies (such as TWDT-COIN) can become a unified payment medium across game players (or other application service areas).

然而，在公有加密貨幣或私有加密貨幣要兌換回法定貨幣時，基於區塊鏈的數位通令交易系統130可依據兌換之單位數量收取一定比例的手續費。 However, when a public cryptocurrency or a private cryptocurrency is to be exchanged back to fiat currency, the blockchain-based digital trading system 130 may charge a certain percentage of processing fees based on the number of units exchanged.

進一步說明，針對公有加密貨幣(如：TWDT-ETH)要兌換私有加密貨幣(如：TWDT-COIN)，基於區塊鏈的數位通令交易系統130不會收取手續費；但是針對私有加密貨幣(如：TWDT-COIN)要兌換公有加密貨幣(如：TWDT-ETH)，基於區塊鏈的數位通令交易系統130會收取一定的手續費，其目的在於防止有心人為了規避私有加密貨幣(如：TWDT-COIN)直接兌換回法定貨幣時所收取的手續費而將私有加密貨幣(如：TWDT-COIN)先兌換成公有加密貨幣(如：TWDT-ETH)後再兌換回法定貨幣。 To further explain, for public cryptocurrencies (such as TWDT-ETH) to be exchanged for private cryptocurrencies (such as TWDT-COIN), the blockchain-based digital trading system 130 will not charge a commission; but for private cryptocurrencies (such as : TWDT-COIN) to exchange for public cryptocurrencies (eg: TWDT-ETH), the blockchain-based digital trading system 130 will charge a certain fee, the purpose of which is to prevent intentional people from evading private cryptocurrencies (eg: TWDT-ETH) COIN) The commission charged when directly converting back to fiat currency to convert private cryptocurrencies (such as TWDT-COIN) into public cryptocurrencies (such as TWDT-ETH) and then back to fiat currency.

另外，值得注意的是，私有加密貨幣(如：TWDT-COIN)與公有加密貨幣(如：TWDT-ETH)的實際價值係恆常錨定於一法定貨幣(如：新台幣NTD)。舉例來說，一枚私有加密貨幣TWDT-COIN的價值即等於1元新台幣，一枚公有加密貨幣TWDT-ETH的價值也等於1元新台幣。因此，相較於其他加密貨幣，本申請所述之私有加密貨幣/公有加密貨幣其價值具有較高的 穩定性，而不容易發生貨幣價格暴跌或炒作的問題。 In addition, it is worth noting that the actual value of private cryptocurrencies (such as TWDT-COIN) and public cryptocurrencies (such as TWDT-ETH) is always anchored in a legal currency (such as NTD). For example, the value of a private cryptocurrency TWDT-COIN is equal to NT$1, and the value of a public cryptocurrency TWDT-ETH is equal to NT$1. Therefore, compared with other cryptocurrencies, the value of private cryptocurrencies/public cryptocurrencies mentioned in this application has high stability, and is not prone to problems of currency price plunge or hype.

且針對法定貨幣與私有加密貨幣TWDT-COIN或公有加密貨幣TWDT-ETH之間的兌換，交易管理模組132會根據兌換的單位數量決定相應於法定貨幣之金額，並且傳送包括該金額資訊之信託金存入/提領請求至金融機構伺服器140。舉例來說，如果用戶端用100元新台幣兌換了100枚私有加密貨幣TWDT-COIN或公有加密貨幣TWDT-ETH，則交易管理模組132在把100枚私有加密貨幣TWDT-COIN或公有加密貨幣TWDT-ETH兌換給用戶端的同時，還會將100元新台幣存入銀行的信託帳戶。因此，可確保流通中的私有加密貨幣/公有加密貨幣總數始終有相同數量的法定貨幣在銀行的信託帳戶中，使得本申請所述之私有加密貨幣/公有加密貨幣具有明確之償付能力。此外，信託帳戶可由專業審計師定期驗證其餘額並提供財務轉帳報表，且交易管理模組132還可透過網頁介面定時公布信託帳戶的餘額及財務轉帳報表，以進一步強化本申請所述之私有加密貨幣/公有加密貨幣的信託可靠性。 And for the exchange between fiat currency and private cryptocurrency TWDT-COIN or public cryptocurrency TWDT-ETH, the transaction management module 132 will determine the amount corresponding to the legal currency according to the number of units exchanged, and send the trust including the amount information The gold deposit/withdraw request is sent to the financial institution server 140. For example, if the user exchanges 100 NTD for 100 private cryptocurrencies TWDT-COIN or public cryptocurrencies TWDT-ETH, the transaction management module 132 converts 100 private cryptocurrencies TWDT-COIN or public cryptocurrencies When TWDT-ETH is exchanged to the client, it will also deposit NT$100 into the bank's trust account. Therefore, it can be ensured that the total number of private cryptocurrency/public cryptocurrency in circulation always has the same amount of fiat currency in the bank's trust account, so that the private cryptocurrency/public cryptocurrency mentioned in this application has a clear solvency. In addition, trust accounts can be regularly verified by professional auditors for their balances and provide financial transfer statements, and the transaction management module 132 can also regularly publish the balance of the trust account and financial transfer statements through the web interface to further strengthen the private encryption described in this application Trust reliability of currency/public cryptocurrency.

當可理解的是，本申請所述交易中的法定貨幣亦可以指新台幣NTD以外的其他法定貨幣，例如：美金USD，而所述加密貨幣(如：USDT-ETH或USDT-COIN)的價值則可一比一錨定於美金USD。 When it is understandable, the legal currency in the transaction described in this application may also refer to other legal currencies other than the New Taiwan Dollar NTD, for example: United States dollar USD, and the value of the encrypted currency (such as: USDT-ETH or USDT-COIN) It can be anchored to the US dollar one to one.

第2圖係根據本申請一實施例所述之基於區塊鏈的數位通令交易系統130之硬體架構示意圖。 FIG. 2 is a schematic diagram of the hardware architecture of the blockchain-based digital transaction system 130 according to an embodiment of the present application.

如第2圖所示，基於區塊鏈的數位通令交易系統130之硬體架構至少包括通訊裝置2100、控制器2200、儲存裝置2300、以及輸入輸出裝置2400。 As shown in FIG. 2, the hardware architecture of the blockchain-based digital transaction system 130 includes at least a communication device 2100, a controller 2200, a storage device 2300, and an input/output device 2400.

通訊裝置2100係用以提供網路連線至網際網路150，透過網際網路150可再連接至用戶端計算裝置110、120、以及金融機構伺服器140。通訊裝置2100可透過有線的方式提供網路連線，例如：乙太網(Ethernet)、光纖網路、或非對稱數位式用戶線路(Asymmetric Digital Subscriber Line，ADSL)等，或者，通訊裝置2100亦可透過無線的方式提供網路連線，例如使用無線保真技術、或其他電信網路技術。 The communication device 2100 is used to provide a network connection to the Internet 150 through which the client computing devices 110 and 120 and the financial institution server 140 can be connected. The communication device 2100 can provide a network connection through a wired method, such as: Ethernet, optical fiber network, or Asymmetric Digital Subscriber Line (ADSL), etc. Or, the communication device 2100 also The network connection can be provided wirelessly, for example using wireless fidelity technology, or other telecommunication network technologies.

控制器2200可為通用處理器、微處理器(Micro Control Unit，MCU)、應用處理器(Application Processor，AP)、或數位訊號處理器(Digital Signal Processor，DSP)等，其可包括各式電路邏輯，用以提供數據處理及運算之功能、控制通訊裝置2100的運作以提供網路連線、從儲存裝置2300讀取或儲存數據、以及從輸入輸出裝置2400接收或輸出訊號。特別是，控制器2200係用以協調控制通訊裝置2100、儲存裝置2300、以及輸入輸出裝置2400之運作，以執行本申請的基於區塊鏈的數位通令交易方法。 The controller 2200 may be a general-purpose processor, a microprocessor (Micro Control Unit, MCU), an application processor (Application Processor, AP), or a digital signal processor (Digital Signal Processor, DSP), etc., which may include various circuits Logic is used to provide data processing and calculation functions, control the operation of the communication device 2100 to provide network connection, read or store data from the storage device 2300, and receive or output signals from the input/output device 2400. In particular, the controller 2200 is used to coordinate and control the operations of the communication device 2100, the storage device 2300, and the input/output device 2400 to execute the blockchain-based digital transaction method of the present application.

儲存裝置2300為非暫態(non-transitory)之電腦可讀取儲存媒體，例如：隨機存取記憶體(Random Access Memory，RAM)、快閃記憶體，或硬碟、光碟，或上述媒體之任意組合，用以儲存各式數據，包括：指令集、應用、以及/或通訊協定之程式碼等。特別是，儲存裝置2300還儲存有本申請的基於區塊鏈的數位通令交易方法的程式碼(如：區塊鏈模組131、以及交易管理模組132之程式碼)，由控制器2200載入並執行。另外，儲存裝置2300還儲存有區塊鏈模組131、以及交易管理模組132運行時所產 生的資料，例如：區塊鏈模組131所產生的公有鏈及私有鏈、交易管理模組132所維護的電子錢包(包括：用戶電子錢包、發行電子錢包、營運電子錢包)資訊及錢包地址私鑰密文、用戶資料(包括：用戶身分資料)等。 The storage device 2300 is a non-transitory computer-readable storage medium, such as: random access memory (Random Access Memory, RAM), flash memory, or hard disk, optical disk, or one of the above media Any combination, used to store various data, including: instruction set, application, and/or communication protocol code, etc. In particular, the storage device 2300 also stores the code of the digital pass transaction method based on the blockchain (for example: the code of the blockchain module 131 and the transaction management module 132), which is loaded by the controller 2200 Enter and execute. In addition, the storage device 2300 also stores data generated when the blockchain module 131 and the transaction management module 132 are running, for example: the public and private chains generated by the blockchain module 131, and the transaction management module 132 Maintained information of electronic wallet (including: user electronic wallet, issuing electronic wallet, operating electronic wallet) and wallet address private key ciphertext, user data (including: user identity data), etc.

輸入輸出裝置2400可包括括一或多個按鈕、鍵盤、滑鼠、觸控板、麥克風、喇叭、以及/或顯示裝置(例如：液晶顯示器、發光二極體顯示器、或電子紙顯示器等)，用以作為人機介面與基於區塊鏈的數位通令交易系統130的管理者互動。 The input/output device 2400 may include one or more buttons, a keyboard, a mouse, a touch pad, a microphone, a speaker, and/or a display device (for example: a liquid crystal display, a light-emitting diode display, or an electronic paper display, etc.), It is used as a human-machine interface to interact with the administrator of the blockchain-based digital token transaction system 130.

當可理解的是，第2圖所示之元件僅用以提供一說明之範例，並非用以限制本申請之保護範圍。舉例來說，基於區塊鏈的數位通令交易系統130之硬體架構還可再包括其他元件，例如：電源供應器、以及/或額外的控制器(以增加運算能力)等。 It should be understood that the elements shown in FIG. 2 are only used to provide an illustrative example, and are not intended to limit the protection scope of the present application. For example, the hardware architecture of the blockchain-based digital transaction system 130 may further include other components, such as a power supply and/or additional controllers (to increase computing power).

第3圖係根據本申請一實施例所述之法定貨幣兌換加密貨幣之流程圖。 FIG. 3 is a flowchart of converting fiat currency to encrypted currency according to an embodiment of the present application.

在此實施例，法定貨幣兌換加密貨幣可理解為不同數位通令之間的兌換，例如：將第一數位通令兌換為第二數位通令，其中第一數位通令關聯至法定貨幣(如：新台幣NTD)，而第二數位通令關聯至加密貨幣(如：私有加密貨幣TWDT-COIN、或公有加密貨幣TWDT-ETH)。 In this embodiment, fiat currency conversion to cryptocurrency can be understood as the conversion between different digital passes, for example: converting the first digital pass to the second digital pass, where the first digital pass is associated with fiat currency (such as: NTD ), and the second digital pass is linked to cryptocurrencies (eg: private cryptocurrency TWDT-COIN, or public cryptocurrency TWDT-ETH).

首先，用戶端可操作用戶端計算裝置(如：用戶端計算裝置110或120)透過瀏覽器或行動應用程式登入基於區塊鏈的數位通令交易系統130(步驟S301)。 First, the client can operate the client computing device (eg, the client computing device 110 or 120) to log in to the blockchain-based digital transaction system 130 through a browser or mobile application (step S301).

接著，用戶端輸入要兌換的加密貨幣以及單位數量(步驟S302)，然後基於區塊鏈的數位通令交易系統130根據兌 換之單位數量決定相應於法定貨幣之金額(步驟S303)。 Next, the user terminal enters the encrypted currency to be exchanged and the number of units (step S302), and then the transaction system 130 based on the digital pass of the blockchain determines the amount corresponding to the legal currency based on the number of units exchanged (step S303).

舉例來說，如果用戶端想要兌換100枚私有加密貨幣TWDT-COIN或公有加密貨幣TWDT-ETH，那麼由於一枚私有加密貨幣TWDT-COIN或公有加密貨幣TWDT-ETH的價值即等於1元新台幣，所以相應於法定貨幣之金額即為100元新台幣。 For example, if the user wants to exchange 100 private cryptocurrencies TWDT-COIN or public cryptocurrency TWDT-ETH, then the value of one private cryptocurrency TWDT-COIN or public cryptocurrency TWDT-ETH is equal to 1 new TWD, so the amount corresponding to fiat currency is NT$100.

之後，用戶端將指定的法定貨幣金額透過超商代收或銀行匯款的方式進行付款(步驟S304)。基於區塊鏈的數位通令交易系統130確認在有效時間內是否收到款項(步驟S305)，若否，則回傳「交易失敗」的訊息給用戶端(步驟S306)。 Afterwards, the user terminal pays the designated amount of fiat currency by way of over-collection or bank transfer (step S304). The blockchain-based digital communication system 130 confirms whether the payment is received within the valid time (step S305). If not, it returns a "transaction failed" message to the client (step S306).

接續步驟S305，如果在有效時間內收到款項，基於區塊鏈的數位通令交易系統130傳送包括該款項金額之信託金存入請求至金融機構伺服器140(步驟S307)，也就是說，基於區塊鏈的數位通令交易系統130將收到的款項透過網路銀行的功能交付給金融機構伺服器140進行信託保管。 Following step S305, if the payment is received within the valid time, the blockchain-based digital trading system 130 transmits a trust deposit request including the amount of the payment to the financial institution server 140 (step S307), that is, based on The digital communication of the blockchain allows the transaction system 130 to deliver the received money to the financial institution server 140 through the function of internet banking for trust storage.

接續步驟S307，基於區塊鏈的數位通令交易系統130從營運電子錢包轉出用戶端指定要兌換的加密貨幣數量(步驟S308)，轉出的加密貨幣再匯入用戶電子錢包(步驟S309)，然後回傳「交易成功」的訊息給用戶端(步驟S310)。 Following step S307, the blockchain-based digital pass transaction system 130 transfers out of the operating electronic wallet out of the designated amount of encrypted currency to be exchanged by the user terminal (step S308), and the transferred encrypted currency is re-imported into the user's electronic wallet (step S309), Then return the message "successful transaction" to the client (step S310).

第4圖係根據本申請一實施例所述之加密貨幣兌換法定貨幣之流程圖。 Figure 4 is a flow chart of the conversion of cryptocurrency to fiat currency according to an embodiment of the present application.

在此實施例，加密貨幣兌換法定貨幣可理解為不同數位通令之間的兌換，例如：將第一數位通令兌換為第二數位通令，其中第一數位通令關聯至加密貨幣(如：TWDT-COIN、或TWDT-ETH)，而第二數位通令關聯至法定貨幣(如：新台幣NTD)。 In this embodiment, the conversion of cryptocurrency to fiat currency can be understood as the exchange between different digital pass, for example: the first digital pass is converted to the second digital pass, where the first digital pass is associated with the encrypted currency (eg: TWDT-COIN , Or TWDT-ETH), and the second digital pass is linked to fiat currency (e.g. NTD).

首先，用戶端可操作用戶端計算裝置(如：用戶端計算裝置110或120)透過瀏覽器或行動應用程式登入基於區塊鏈的數位通令交易系統130(步驟S401)，然後輸入要兌回的加密貨幣以及單位數量(步驟S402)。 First, the client can operate the client computing device (eg, the client computing device 110 or 120) to log in to the blockchain-based digital transaction system 130 through a browser or mobile application (step S401), and then enter the Encrypted currency and unit quantity (step S402).

接著，基於區塊鏈的數位通令交易系統130從用戶電子錢包轉出用戶端指定要兌回的加密貨幣數量(步驟S403)，轉出的加密貨幣再匯入營運電子錢包(步驟S404)。 Next, the blockchain-based digital pass transaction system 130 transfers out the user's electronic wallet to specify the amount of encrypted currency to be redeemed by the user terminal (step S403), and the transferred encrypted currency is then re-imported into the operating electronic wallet (step S404).

之後，基於區塊鏈的數位通令交易系統130根據兌換之單位數量決定相應於法定貨幣之金額(步驟S405)，並傳送包括該法定貨幣金額之信託金提領請求至金融機構伺服器140(步驟S406)。 After that, the blockchain-based digital trading system 130 determines the amount corresponding to fiat currency based on the number of units exchanged (step S405), and transmits a trust fund withdrawal request including the fiat currency amount to the financial institution server 140 (step S406).

接著，金融機構伺服器140從信託帳戶中提領指定金額並匯入用戶端指定的收款銀行帳戶(步驟S407)，並回傳「提領成功」的訊息給基於區塊鏈的數位通令交易系統130(步驟S408)。 Next, the financial institution server 140 withdraws the specified amount from the trust account and transfers it to the receiving bank account designated by the client (step S407), and returns the "withdrawal successful" message to the digital transaction based on the blockchain System 130 (step S408).

最後，基於區塊鏈的數位通令交易系統130傳送「交易成功」的訊息給用戶端(步驟S409)。 Finally, the digital communication based on the blockchain makes the transaction system 130 send a "transaction successful" message to the client (step S409).

在另一實施例，針對加密貨幣兌換法定貨幣，基於區塊鏈的數位通令交易系統130還可向用戶端收取一定比例的手續費，因此，所提領的信託金會扣除手續費之後再將剩餘的部分匯入用戶端指定的收款銀行帳戶，另外，手續費的部分則匯入基於區塊鏈的數位通令交易系統130的手續費收款銀行帳戶。 In another embodiment, for the exchange of cryptocurrency to fiat currency, the digital transaction system 130 based on the blockchain can also charge a certain percentage of the handling fee to the user. Therefore, the trust fund will be deducted after the handling fee. The remaining part is transferred to the receiving bank account designated by the user. In addition, the part of the handling fee is transferred to the receiving bank account of the handling fee of the digital transaction system 130 based on the blockchain.

第5圖係根據本申請一實施例所述之加密貨幣轉帳之流程圖。 Figure 5 is a flowchart of cryptocurrency transfer according to an embodiment of the present application.

在此實施例，加密貨幣轉帳係指私有加密貨幣在私有鏈上所進行的轉帳、或公有加密貨幣在公有鏈上所進行的轉帳，例如：將私有加密貨幣(如：TWDT-COIN)或公有加密貨幣(如：TWDT-ETH)從一用戶電子錢包轉帳到另一用戶電子錢包。 In this embodiment, the cryptocurrency transfer refers to the transfer of private cryptocurrency on the private chain, or the transfer of public cryptocurrency on the public chain, for example: transfer of private cryptocurrency (such as: TWDT-COIN) or public Cryptocurrencies (such as TWDT-ETH) are transferred from one user's electronic wallet to another user's electronic wallet.

首先，用戶端可操作用戶端計算裝置(如：用戶端計算裝置110或120)透過瀏覽器或行動應用程式登入基於區塊鏈的數位通令交易系統130(步驟S501)，然後選擇要轉出的用戶電子錢包地址(步驟S502)，並輸入交易資料(步驟S503)。在一實施例，交易資料可包括：轉帳金額(意即：多少單位數量的私有加密貨幣)、以及收款方的用戶電子錢包地址。 First, the client can operate the client computing device (eg, the client computing device 110 or 120) to log in to the blockchain-based digital transaction system 130 through a browser or mobile application (step S501), and then select the The user's electronic wallet address (step S502), and input transaction data (step S503). In one embodiment, the transaction data may include: the amount of the transfer (meaning: how many units of private cryptocurrency), and the user's electronic wallet address of the payee.

接著，基於區塊鏈的數位通令交易系統130根據該筆交易的資料建立交易訂單並取得訂單編號(步驟S504)，然後，由用戶端輸入電子錢包密碼(步驟S505)。 Next, based on the blockchain-based digital transaction system 130, a transaction order is created based on the transaction data and the order number is obtained (step S504), and then the user enters the electronic wallet password (step S505).

之後，基於區塊鏈的數位通令交易系統130根據該筆交易的資料決定進行該筆交易所需之相關參數(步驟S506)，然後對該筆交易的資料進行簽章(步驟S507)。在一實施例，進行該筆交易所需之相關參數可包括：GasPrice、Nonce、EstimateGas等區塊鏈參數。 Afterwards, the digital communication system 130 based on the blockchain determines the relevant parameters required for the transaction based on the data of the transaction (step S506), and then signs the data of the transaction (step S507). In one embodiment, the relevant parameters required for the transaction may include: GasPrice, Nonce, EstimateGas and other blockchain parameters.

接續步驟S507，基於區塊鏈的數位通令交易系統130將該筆交易加入公有鏈或私有鏈(步驟S508)，並取得該筆交易在公有鏈或私有鏈中的雜湊值(TxHash)(步驟S509)。 Following step S507, the block-based digital pass transaction system 130 adds the transaction to the public or private chain (step S508), and obtains the hash value (TxHash) of the transaction in the public or private chain (step S509) ).

最後，基於區塊鏈的數位通令交易系統130再根據雜湊值檢核公有鏈或私有鏈中的交易資料是否符合建立交易訂單時的交易資料(步驟S510)，然後回傳「交易成功」的訊息給用 戶端(步驟S511)。 Finally, the blockchain-based digital pass transaction system 130 then checks whether the transaction data in the public chain or private chain matches the transaction data when the transaction order was created based on the hash value (step S510), and then returns the "transaction successful" message To the user (step S511).

第6A與6B圖係根據本申請一實施例所述使用私有加密貨幣進行電商交易之流程圖。 Figures 6A and 6B are flowcharts of using private cryptocurrencies for e-commerce transactions according to an embodiment of the present application.

在此實施例，用戶端與電商皆為基於區塊鏈的數位通令交易系統130的註冊會員並設定有各自的用戶電子錢包可進行私有加密貨幣的轉帳，進一步說明，用戶端與電商之間所進行的電商交易可使用各自的用戶電子錢包來進行付款及收款。 In this embodiment, both the client and the e-commerce are registered members of the digital transaction system 130 based on the blockchain and set up their own user e-wallets for private cryptocurrency transfer. Further explanation, the relationship between the client and the e-commerce The e-commerce transactions conducted between the parties can use their own electronic wallets for payment and collection.

首先，用戶端可操作用戶端計算裝置(如：用戶端計算裝置110或120)透過瀏覽器或行動應用程式登入電商平台，並選定要購買的商品(如：遊戲點數)或服務(步驟S601)。 First, the client can operate the client computing device (such as the client computing device 110 or 120) to log in to the e-commerce platform through a browser or mobile application, and select the goods (such as game points) or services to be purchased (step S601).

接著，電商平台產生電商訂單編號、以及付款說明頁面以提供付款連結及收款電子錢包地址(步驟S602)。 Next, the e-commerce platform generates an e-commerce order number and a payment description page to provide a payment link and a payment e-wallet address (step S602).

透過付款連結，用戶端可連接並登入基於區塊鏈的數位通令交易系統130(步驟S603)，然後選擇付款的用戶電子錢包地址(步驟S604)。 Through the payment link, the user can connect and log in to the blockchain-based digital token transaction system 130 (step S603), and then select the payment user's e-wallet address (step S604).

之後，基於區塊鏈的數位通令交易系統130會產生付款內容頁面給用戶端(步驟S605)，接著由用戶端輸入電子錢包密碼(步驟S606)。 After that, the digital transaction system 130 based on the blockchain generates a payment content page to the user (step S605), and then the user enters the electronic wallet password (step S606).

接續步驟S606，基於區塊鏈的數位通令交易系統130根據該筆交易的資料決定進行該筆交易所需之相關參數(步驟S607)，然後對該筆交易的資料進行簽章(步驟S608)。在一實施例，進行該筆交易所需之相關參數可包括：GasPrice、Nonce、EstimateGas等區塊鏈參數。 Following step S606, the block-based digital transaction system 130 determines the relevant parameters required for the transaction based on the transaction data (step S607), and then signs the transaction data (step S608). In one embodiment, the relevant parameters required for the transaction may include: GasPrice, Nonce, EstimateGas and other blockchain parameters.

接續步驟S608，基於區塊鏈的數位通令交易系統130 將該筆交易加入私有鏈(步驟S609)，並取得該筆交易在私有鏈中的雜湊值(步驟S610)，然後回傳交易結果(預設為交易成功)、電商訂單編號、以及雜湊值給電商平台(步驟S611)。 Following step S608, the digital transaction system 130 based on the blockchain adds the transaction to the private chain (step S609), obtains the hash value of the transaction in the private chain (step S610), and then returns the transaction result (pre- Set to a successful transaction), e-commerce order number, and hash value to the e-commerce platform (step S611).

接續步驟S611，由於交易結果為成功，所以電商平台根據雜湊值向基於區塊鏈的數位通令交易系統130查詢私有鏈中的交易資料(步驟S612)，然後檢核私有鏈中的交易資料是否符合電商訂單編號所對應的交易資料(步驟S613)。 Following step S611, since the transaction result is successful, the e-commerce platform queries the blockchain-based digital transaction system 130 for transaction data in the private chain based on the hash value (step S612), and then checks whether the transaction data in the private chain It matches the transaction data corresponding to the e-commerce order number (step S613).

接續步驟S613，如果不符合，電商平台回傳「交易失敗」的訊息給用戶端(步驟S614)；反之，如果符合，電商平台則針對用戶端所選購的商品或服務進行出貨(步驟S615)，並回傳「交易成功」的訊息給用戶端(步驟S616)。 Following step S613, if it does not match, the e-commerce platform returns a "transaction failed" message to the client (step S614); otherwise, if it matches, the e-commerce platform ships the goods or services purchased by the client ( Step S615), and returns the message "successful transaction" to the client (step S616).

第7A~7C圖係根據本申請一實施例所述之數位通令交易介面之示意圖。 Figures 7A-7C are schematic diagrams of a digital transaction interface according to an embodiment of the present application.

在此實施例，數位通令交易介面可以是以網頁介面或行動應用程式介面來呈現，也就是說，用戶端可操作用戶端計算裝置(如：用戶端計算裝置110或120)透過瀏覽器或行動應用程式登入基於區塊鏈的數位通令交易系統130。 In this embodiment, the digital transaction interface can be presented as a web interface or a mobile application interface, that is, the client can operate the client computing device (such as the client computing device 110 or 120) through the browser or mobile The application logs into the digital transaction system 130 based on the blockchain.

如第7A圖所示，數位通令交易介面700包括了「區塊鏈類型」欄位702、「錢包地址」欄位704、「加密貨幣」欄位706、708、以及「交易紀錄」欄位710。 As shown in FIG. 7A, the digital transaction interface 700 includes a "blockchain type" field 702, a "wallet address" field 704, a "cryptocurrency" field 706, 708, and a "transaction record" field 710 .

「區塊鏈類型」欄位702可為一下拉式選單，讓用戶端選擇要交易的加密貨幣所屬的區塊鏈類型，包括：公有鏈、私有鏈。其中公有鏈包括了乙太幣ETH、以及公有加密貨幣TWDT-ETH，私有鏈則包括了私有加密貨幣TWDT-COIN。在此實 施例，用戶端選擇了要對公有鏈的加密貨幣進行交易。 The "Blockchain Type" field 702 can be a pull-down menu that allows the client to select the type of blockchain to which the cryptocurrency to be traded belongs, including: public chain and private chain. The public chain includes Ethereum ETH and the public cryptocurrency TWDT-ETH, and the private chain includes the private cryptocurrency TWDT-COIN. In this embodiment, the user terminal chooses to trade the public chain cryptocurrency.

「錢包地址」欄位704用以顯示一電子錢包之地址，該地址可理解為用以識別該電子錢包的一個獨一無二的識別碼(如：0xf329452d12e123f1ce8dfc3a101aa56108ff0dcc)。當用戶端想要使用這個電子錢包進行收款時，可將該地址透過二維碼或複製的方式傳遞給匯款方(即圖示的「二維碼」、及「複製地址」功能)。 The "wallet address" field 704 is used to display the address of an electronic wallet, which can be understood as a unique identification code for identifying the electronic wallet (for example: 0xf329452d12e123f1ce8dfc3a101aa56108ff0dcc). When the user wants to use this electronic wallet for payment, the address can be passed to the remittance party through the QR code or the copy method (that is, the illustrated "QR code" and "copy address" function).

在另一實施例，為了方便用戶端記憶及使用，錢包地址亦可以用其他與使用者較為切身、且獨一無二的識別碼來標示，例如：身分證字號、護照號碼、電子郵件地址、或電話號碼、或上述之任意組合。相應地，基於區塊鏈的數位通令交易系統130則可於交易時，再將上述之身分證字號、護照號碼、電子郵件地址、或電話號碼轉換為真正的錢包地址(如：0xf329452d12e123f1ce8dfc3a101aa56108ff0dcc)。 In another embodiment, in order to facilitate the memory and use of the user terminal, the wallet address can also be marked with other unique identifiers that are more personal to the user, such as: ID number, passport number, email address, or phone number , Or any combination of the above. Correspondingly, the digital transaction system 130 based on the blockchain can then convert the above ID number, passport number, email address, or phone number into a real wallet address (for example: 0xf329452d12e123f1ce8dfc3a101aa56108ff0dcc) during the transaction.

另外，由於每個電子錢包地址都有一個相應的私鑰用於區塊鏈交易，「錢包地址」欄位704還提供了「導出私鑰」功能，可以將私鑰及錢包地址加密後產生的密文儲存在基於區塊鏈的數位通令交易系統130(加密所使用的密碼只有用戶端知悉)，日後若用戶端需要在不同的用戶端計算裝置上使用電子錢包功能進行交易時，即可從基於區塊鏈的數位通令交易系統130載入私鑰及錢包地址。 In addition, since each e-wallet address has a corresponding private key for blockchain transactions, the "wallet address" field 704 also provides the "export private key" function, which can be generated after encrypting the private key and wallet address The ciphertext is stored in the blockchain-based digital pass trading system 130 (the password used for encryption is only known to the client). If the client needs to use the electronic wallet function on different client computing devices for transactions in the future, you can choose from The blockchain-based digital pass causes the transaction system 130 to load the private key and wallet address.

「加密貨幣」欄位706、708係分別用以顯示該電子錢包中不同加密貨幣的單位數量。舉例來說，在此實施例，該電子錢包中有2.2299919030465448枚乙太幣ETH、以及 99999898302枚公有加密貨幣TWDT-ETH。 The "cryptocurrency" fields 706 and 708 are used to display the number of units of different cryptocurrencies in the e-wallet, respectively. For example, in this embodiment, there are 2.2299919030465448 ETH and 99999898302 public cryptocurrency TWDT-ETH in the electronic wallet.

此外，「加密貨幣」欄位706、708還提供「充值」、以及「轉帳」之功能，其中「充值」功能係指以法定貨幣兌換乙太幣ETH、或公有加密貨幣TWDT-ETH，當用戶端點選了此功能，交易介面可進一步轉換到基於區塊鏈的數位通令交易系統130所提供的入金網頁介面。「轉帳」功能係指將乙太幣ETH、或公有加密貨幣TWDT-ETH轉移到其他電子錢包，當用戶端點選了此功能，交易介面可進一步轉換到基於區塊鏈的數位通令交易系統130所提供的轉帳網頁介面，如第7B圖所示，由用戶端輸入收款方的電子錢包地址、交易的貨幣單位數量、密碼、以及區塊鏈參數(如：GasLimit、GasPrice等)。 In addition, the "cryptocurrency" fields 706 and 708 also provide the functions of "recharge" and "transfer". The "recharge" function refers to the exchange of fiat currency to ether ETH or public cryptocurrency TWDT-ETH. The endpoint selects this function, and the transaction interface can be further converted to the deposit web page interface provided by the blockchain-based digital token transaction system 130. The "transfer" function refers to the transfer of ether ETH, or public cryptocurrency TWDT-ETH to other electronic wallets. When the user endpoint selects this function, the transaction interface can be further converted to a blockchain-based digital trading system 130 The provided transfer web interface, as shown in Figure 7B, allows the user to enter the recipient's e-wallet address, the number of currency units of the transaction, password, and blockchain parameters (such as: GasLimit, GasPrice, etc.).

「交易紀錄」欄位710係用以顯示該地址的電子錢包過去的交易紀錄，如第7C圖所示，交易紀錄包括：每次兌換、以及轉帳的資訊(如：收款方的電子錢包地址、交易金額、交易時間等)。 The "Transaction Record" field 710 is used to display the past transaction records of the e-wallet at that address. As shown in Figure 7C, the transaction records include: each exchange and transfer information (such as the recipient's e-wallet address , Transaction amount, transaction time, etc.).

另外，在交易過程當中，基於區塊鏈的數位通令交易系統130還提供安全驗證機制，針對發起方及接收方的用戶身分、以及帳戶進行驗證，以提升交易的安全性，並且可達到防制洗錢以及打擊資助恐怖主義之效果。 In addition, during the transaction process, the blockchain-based digital pass transaction system 130 also provides a security verification mechanism to verify the user identity and account of the initiator and receiver, so as to improve the security of the transaction and can achieve prevention. The effects of money laundering and combating the financing of terrorism.

明確來說，用戶身分驗證可藉由核對用戶端的一或多個身分證件的資料(例如：護照/身分證號碼、發證日期、有效期限、居住地址等)來進行，而帳戶驗證可藉由金融機構所提供的一元驗證功能(一般係指將1元法定貨幣轉帳到該帳戶並以轉帳結果來檢驗該帳戶是否存在)來進行。 Specifically, user identity verification can be performed by checking the information of one or more identity documents on the client (eg passport/identity card number, date of issuance, validity period, residential address, etc.), and account verification can be performed by The one-factor verification function provided by financial institutions (generally refers to transferring 1 yuan of legal currency to the account and verifying the existence of the account based on the transfer result).

安全驗證機制的觸發條件包括：當用戶端在私有鏈的電子錢包地址上要接受轉入超過一預定門檻之金額(如：50萬枚私有加密貨幣TWDT-COIN)時、當用戶端要將私有加密貨幣兌換為公有加密貨幣時、當用戶端要將私有加密貨幣兌換為法定貨幣時、以及當用戶端要使用公有鏈進行交易時(如：公有加密貨幣之兌換或轉帳)。 The triggering conditions of the security verification mechanism include: when the user terminal accepts an amount that exceeds a predetermined threshold on the e-wallet address of the private chain (for example: 500,000 private cryptocurrencies TWDT-COIN), When the cryptocurrency is converted into a public cryptocurrency, when the client wants to convert the private cryptocurrency into fiat currency, and when the client wants to use the public chain for transactions (such as: public cryptocurrency exchange or transfer).

再者，為了使電子錢包管理功能更為完善，基於區塊鏈的數位通令交易系統130還提供用戶端忘記電子錢包密碼時另創電子錢包的附加服務。明確來說，當用戶端丟失了電子錢包之密碼時，基於區塊鏈的數位通令交易系統130會對用乎端進行身分驗證，當身分驗證通過後，再將原電子錢包所記錄的加密貨幣轉帳到新的電子錢包。 In addition, in order to make the electronic wallet management function more perfect, the digital transaction system 130 based on the blockchain also provides an additional service of creating an electronic wallet when the user forgets the password of the electronic wallet. Specifically, when the password of the e-wallet is lost on the user side, the digital transaction system 130 based on the blockchain will verify the identity of the user. After the identity verification is passed, the encrypted currency recorded in the original e-wallet Transfer money to a new e-wallet.

本申請雖以各種實施例揭露如上，然而其僅為範例參考而非用以限定本申請的範圍，任何熟習此項技藝者，在不脫離本申請之精神和範圍內，當可做些許的更動與潤飾。因此上述實施例並非用以限定本申請之範圍，本申請之保護範圍當視後附之申請專利範圍所界定者為準。 Although this application has been disclosed in various embodiments as above, it is only for reference and not for limiting the scope of this application. Anyone who is familiar with this skill can make some changes without departing from the spirit and scope of this application. With retouch. Therefore, the above embodiments are not intended to limit the scope of this application, and the scope of protection of this application shall be deemed as defined by the scope of the attached patent application.

於申請專利範圍中所使用的「第一」、「第二」等詞係用來修飾權利要求中的元件，並非用來表示之間具有優先權順序，先行關係，或者是一個元件先於另一個元件，或者是執行方法步驟時的時間先後順序，僅用來區別具有相同名字的元件。 The terms "first" and "second" used in the scope of the patent application are used to modify the elements in the claims, not to indicate that there is a priority order, prior relationship, or that an element precedes another. An element, or the chronological sequence when performing method steps, is only used to distinguish elements with the same name.

1000‧‧‧數位通令交易環境 1000‧‧‧Digital trading environment

110、120‧‧‧用戶端計算裝置 110、120‧‧‧Client computing device

130‧‧‧基於區塊鏈的數位通令交易系統 130‧‧‧Blockchain-based digital trading system

131‧‧‧區塊鏈模組 131‧‧‧ Blockchain module

132‧‧‧交易管理模組 132‧‧‧Transaction Management Module

140‧‧‧金融機構伺服器 140‧‧‧Financial institution server

150‧‧‧網際網路 150‧‧‧Internet

160‧‧‧電信網路 160‧‧‧Telecommunication network

170‧‧‧無線存取點 170‧‧‧Wireless access point

Claims (14)

一種基於區塊鏈的數位通令(digital token)交易系統，包括：一通訊裝置，用以提供連線至網際網路以及網際網路上之一金融機構伺服器；一儲存裝置，用以儲存電腦可讀取之複數指令或程式碼；以及一控制器，耦接至上述通訊裝置以及上述儲存裝置，用以從上述儲存裝置載入並執行上述指令或程式碼以執行以下步驟：提供一第一數位通令與一第二數位通令之間的兌換(exchange)；當上述第一數位通令以及上述第二數位通令之一者係關聯至一法定貨幣(fiat currency)且上述第一數位通令以及上述第二數位通令之另一者係關聯至一加密貨幣(cryptocurrency)時，根據上述兌換之一單位數量決定相應於上述法定貨幣之一金額，其中關聯至上述加密貨幣的上述第一數位通令以及上述第二數位通令之另一者係以一乙太坊(Ethereum)技術所產生；以及透過上述通訊裝置傳送包括上述金額資訊之一信託金存入請求或一信託金提領請求至上述金融機構伺服器。 A blockchain-based digital token transaction system includes: a communication device to provide connection to the Internet and a financial institution server on the Internet; and a storage device to store computers The read complex command or program code; and a controller, coupled to the communication device and the storage device, for loading and executing the command or program code from the storage device to perform the following steps: provide a first digit Exchange between a general order and a second digital order; when one of the first digital order and the second digital order is associated with a fiat currency and the first digital order and the second When the other of the digital tokens is associated with a cryptocurrency, the amount corresponding to the fiat currency is determined according to the number of units in the exchange, and the first digital token and the second associated with the cryptocurrency The other of the digital commands is generated by an Ethereum technology; and a trust deposit request or a trust withdrawal request including the amount information is transmitted to the server of the financial institution through the communication device. 如申請專利範圍第1項所述之基於區塊鏈的數位通令交易 系統，其中當上述第一數位通令以及上述第二數位通令係分別關聯至不同之加密貨幣時，上述控制器係以上述乙太坊技術建立一私有鏈以維護上述第一數位通令以及上述第二數位通令之一者、以及一公有鏈以維護上述第一數位通令以及上述第二數位通令之另一者，設定上述第一數位通令以及上述第二數位通令之上述一者僅限於上述基於區塊鏈的數位通令交易系統內進行交易，以及設定上述第一數位通令以及上述第二數位通令之上述另一者可於公網上的任一虛擬貨幣交易所進行交易。 Blockchain-based digital transaction as described in item 1 of the patent scope The system, wherein when the first digital pass and the second digital pass are respectively linked to different cryptocurrencies, the controller uses the Ethereum technology to establish a private chain to maintain the first digital pass and the second One of the digital passes, and a public chain to maintain the other of the first digital pass and the second digital pass, set the first of the first digital pass and the second of the second pass only to the block-based The chain's digital pass trading system can be used for trading, and the other of the first digital pass and the second digital pass can be traded on any virtual currency exchange on the public network. 如申請專利範圍第1項所述之基於區塊鏈的數位通令交易系統，其中上述控制器還針對上述兌換之一發起方執行一身分驗證以及一帳戶驗證之至少一者。 As described in item 1 of the patent application scope, a digital transaction system based on blockchain, wherein the controller also performs at least one of identity verification and account verification for one of the redemption initiators. 如申請專利範圍第2項所述之基於區塊鏈的數位通令交易系統，其中上述控制器還提供上述第一數位通令以及上述第二數位通令在各自的加密貨幣系統內的轉帳(transfer)。 As described in item 2 of the patent application scope, a blockchain-based digital pass transaction system, wherein the controller also provides the transfer of the first digital pass and the second digital pass within their respective cryptocurrency systems. 如申請專利範圍第4項所述之基於區塊鏈的數位通令交易系統，其中上述控制器還針對上述轉帳之一接收方執行一身分驗證以及一帳戶驗證之至少一者。 As described in Item 4 of the patent application scope, a digital transaction system based on blockchain, wherein the controller also performs at least one of identity verification and account verification for one of the recipients of the transfer. 如申請專利範圍第1項所述之基於區塊鏈的數位通令交易系統，其中上述儲存裝置還儲存上述兌換之一發起方之一電子錢包，用以記錄上述兌換之上述單位數量，上述控制器還因應上述發起方丟失上述電子錢包之密碼而針對上述 發起方執行一身分驗證，以及於上述身分驗證通過後，將上述電子錢包所記錄的上述單位數量轉帳到上述發起方之另一電子錢包。 As described in item 1 of the patent application scope, a digital transaction system based on blockchain, wherein the storage device also stores an electronic wallet of one of the initiators of the exchange to record the number of units of the exchange, the controller In response to the aforementioned initiator losing the password of the electronic wallet The initiator performs an identity verification, and after the identity verification is passed, transfers the number of units recorded in the electronic wallet to another electronic wallet of the initiator. 如申請專利範圍第1項所述之基於區塊鏈的數位通令交易系統，其中上述兌換之一發起方或一接收方之一電子錢包地址係由以下至少一者所標示：身分證字號；護照號碼；以及電子郵件地址。 As described in item 1 of the patent application scope, a blockchain-based digital pass transaction system, in which the e-wallet address of one of the initiators or one of the recipients of the redemption is marked by at least one of the following: ID number; passport Number; and email address. 一種基於區塊鏈的數位通令交易方法，適用於一種基於區塊鏈的數位通令交易系統，包括：提供一第一數位通令與一第二數位通令之間的兌換；當上述第一數位通令以及上述第二數位通令之一者係關聯至一法定貨幣且上述第一數位通令以及上述第二數位通令之另一者係關聯至一加密貨幣時，根據上述兌換之一單位數量決定相應於上述法定貨幣之一金額，其中關聯至上述加密貨幣的上述第一數位通令以及上述第二數位通令之另一者係以一乙太坊(Ethereum)技術所產生；以及傳送包括上述金額資訊之一信託金存入請求或一信託金提領請求至一金融機構伺服器。 A blockchain-based digital pass transaction method, which is suitable for a blockchain-based digital pass transaction system, includes: providing exchange between a first digital pass and a second digital pass; when the above-mentioned first digital pass and When one of the second digital pass is related to a fiat currency and the other of the first digital pass and the second digital pass is related to a cryptocurrency, the number of one unit of the exchange is determined to correspond to the legal An amount of currency, in which the other of the first digital pass and the second digital pass associated with the cryptocurrency are generated by an Ethereum technology; and a trust fund including the above amount of information is transmitted The deposit request or a trust fund withdrawal request is sent to a financial institution server. 如申請專利範圍第8項所述之基於區塊鏈的數位通令交易方法，更包括： 當上述第一數位通令以及上述第二數位通令係分別關聯至不同之加密貨幣時，以上述乙太坊技術建立一私有鏈以維護上述第一數位通令以及上述第二數位通令之一者、以及一公有鏈以維護上述第一數位通令以及上述第二數位通令之另一者；設定上述第一數位通令以及上述第二數位通令之一者僅限於上述基於區塊鏈的數位通令交易系統內進行交易；以及設定上述第一數位通令以及上述第二數位通令之另一者可於公網上的任一虛擬貨幣交易所進行交易。 As mentioned in item 8 of the patent application scope, the blockchain-based digital pass transaction method further includes: When the first digital pass and the second digital pass are respectively linked to different cryptocurrencies, a private chain is established using the Ethereum technology to maintain one of the first digital pass and the second digital pass, and A public chain to maintain the other of the first digital pass and the second digital pass; setting one of the first digital pass and the second digital pass is limited to the blockchain-based digital pass trading system Trading; and setting the other of the first digital pass and the second digital pass can be traded on any virtual currency exchange on the public network. 如申請專利範圍第8項所述之基於區塊鏈的數位通令交易方法，更包括：針對上述兌換之一發起方執行一身分驗證以及一帳戶驗證之至少一者。 The blockchain-based digital pass transaction method described in item 8 of the patent application scope further includes: performing at least one of identity verification and account verification for one of the redemption initiators. 如申請專利範圍第9項所述之基於區塊鏈的數位通令交易方法，更包括：提供上述第一數位通令以及上述第二數位通令在各自的加密貨幣系統內的轉帳。 The blockchain-based digital pass transaction method as described in item 9 of the patent application scope further includes: providing the transfer of the first digital pass and the second digital pass within their respective cryptocurrency systems. 如申請專利範圍第11項所述之基於區塊鏈的數位通令交易方法，更包括：針對上述轉帳之一接收方執行一身分驗證以及一帳戶驗證之至少一者。 The blockchain-based digital pass transaction method as described in item 11 of the patent application scope further includes: performing at least one of an identity verification and an account verification on one of the recipients of the above transfer. 如申請專利範圍第8項所述之基於區塊鏈的數位通令交 易方法，更包括：還儲存上述兌換之一發起方之一電子錢包，用以記錄上述兌換之上述單位數量；因應上述發起方丟失上述電子錢包之密碼而針對上述發起方執行一身分驗證；以及於上述身分驗證通過後，將上述電子錢包所記錄的上述單位數量轉帳到上述發起方之另一電子錢包。 As mentioned in item 8 of the patent application scope, the digital exchange based on the blockchain The easy method further includes: storing an electronic wallet of one of the initiators of the exchange to record the number of the units of the exchange; performing an identity verification on the initiator in response to the initiator losing the password of the electronic wallet; and After the identity verification is passed, the unit quantity recorded in the electronic wallet is transferred to another electronic wallet of the initiator. 如申請專利範圍第8項所述之基於區塊鏈的數位通令交易方法，其中上述兌換之一發起方或一接收方之一電子錢包地址係由以下至少一者所標示：身分證字號；護照號碼；以及電子郵件地址。 As described in item 8 of the patent scope, the blockchain-based digital pass transaction method, wherein the e-wallet address of one of the initiators or one of the recipients of the redemption is marked by at least one of the following: ID number; passport Number; and email address.
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CN107633452A (en) * 2016-07-19 2018-01-26 富邦金融控股股份有限公司 System and method for granting virtual currency based on entity assets
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Publication number Priority date Publication date Assignee Title
TW201643783A (en) * 2015-05-06 2016-12-16 現代財富控股有限公司 Electronic trading system for cryptocurrency and method thereof
CN107633452A (en) * 2016-07-19 2018-01-26 富邦金融控股股份有限公司 System and method for granting virtual currency based on entity assets
KR101857223B1 (en) * 2017-11-13 2018-05-11 주식회사 온더 Method and system for user identification based block chain token

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