TWI781656B - A server and method for establishing digital currency account and performing digital currency transaction - Google Patents

A server and method for establishing digital currency account and performing digital currency transaction Download PDF

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TWI781656B
TWI781656B TW110121854A TW110121854A TWI781656B TW I781656 B TWI781656 B TW I781656B TW 110121854 A TW110121854 A TW 110121854A TW 110121854 A TW110121854 A TW 110121854A TW I781656 B TWI781656 B TW I781656B
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currency
digital currency
account
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processor
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TW202301237A (en
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劉建和
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兆豐國際商業銀行股份有限公司
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Abstract

A server and method for establishing digital currency account and performing digital currency transaction are provided. The server includes a processor configured to: establish a first digital currency account corresponding to a first user identification information; and utilize the first digital currency account to perform a digital currency transaction.

Description

用於數位貨幣的帳號建立與交易的伺服器及其方法Server and method for account establishment and transaction of digital currency

本揭露是有關於一種用於數位貨幣的帳號建立與交易的伺服器及其方法。This disclosure relates to a server and method for establishing and trading digital currency accounts.

目前，數位貨幣相關技術已逐漸成熟，然而，不同的數位貨幣通常有不同的帳號建立與交易的方法，對用戶來說不易使用。基此，需要提出改良的用於數位貨幣的帳號建立與交易的伺服器及其方法。At present, digital currency-related technologies have gradually matured. However, different digital currencies usually have different account creation and transaction methods, which are difficult for users to use. Based on this, it is necessary to propose an improved server and method for establishing and trading digital currency accounts.

本揭露提供一種用於數位貨幣的帳號建立與交易的伺服器及其方法，可優化數位貨幣的帳號建立與交易的效率。The disclosure provides a server and method for creating and trading digital currency accounts, which can optimize the efficiency of creating and trading digital currency accounts.

本揭露的用於數位貨幣的帳號建立與交易的伺服器包括處理器，經配置以：建立對應於第一用戶識別資訊的第一數位貨幣帳號；以及利用第一數位貨幣帳號執行數位貨幣交易。The disclosed server for digital currency account establishment and transaction includes a processor configured to: establish a first digital currency account corresponding to first user identification information; and execute digital currency transactions using the first digital currency account.

本揭露的數位貨幣的帳號建立與交易方法包括：建立對應於第一用戶識別資訊的第一數位貨幣帳號；以及利用第一數位貨幣帳號執行數位貨幣交易。The digital currency account creation and transaction method disclosed in the present disclosure includes: establishing a first digital currency account corresponding to first user identification information; and using the first digital currency account to execute digital currency transactions.

基於上述，本揭露的用於數位貨幣的帳號建立與交易的伺服器及其方法可在判斷用戶識別資訊為有效用戶後建立數位貨幣帳號，除此之外，還可讓用戶連結（綁定）數位貨幣帳號與實體貨幣帳號，以在數位貨幣帳號與實體貨幣帳號之間進行交易。基此，可優化數位貨幣的帳號建立與交易的效率。Based on the above, the server and method for digital currency account establishment and transaction disclosed in this disclosure can create a digital currency account after judging that the user identification information is a valid user. In addition, it can also allow users to link (bind) Digital currency account and physical currency account to conduct transactions between digital currency accounts and physical currency accounts. Based on this, the efficiency of digital currency account establishment and transaction can be optimized.

為讓本揭露的上述特徵和優點能更明顯易懂，下文特舉實施例，並配合所附圖式作詳細說明如下。In order to make the above-mentioned features and advantages of the present disclosure more comprehensible, the following specific embodiments are described in detail together with the accompanying drawings.

圖1是根據本揭露一實施例的用於數位貨幣的帳號建立與交易的伺服器100的示意圖。伺服器100可包括處理器110、輸入輸出裝置120、收發器130以及儲存媒體140。處理器110可耦接輸入輸出裝置120、收發器130以及儲存媒體140。FIG. 1 is a schematic diagram of a server 100 for digital currency account establishment and transaction according to an embodiment of the present disclosure. The server 100 may include a processor 110 , an input and output device 120 , a transceiver 130 and a storage medium 140 . The processor 110 can be coupled to an input and output device 120 , a transceiver 130 and a storage medium 140 .

處理器110例如是中央處理單元（central processing unit，CPU），或是其他可程式化之一般用途或特殊用途的微控制單元（micro control unit，MCU）、微處理器（microprocessor）、數位信號處理器（digital signal processor，DSP）、可程式化控制器、特殊應用積體電路（application specific integrated circuit，ASIC）、圖形處理器（graphics processing unit，GPU）、算數邏輯單元（arithmetic logic unit，ALU）、複雜可程式邏輯裝置（complex programmable logic device，CPLD）、現場可程式化邏輯閘陣列（field programmable gate array，FPGA）或其他類似元件或上述元件的組合。The processor 110 is, for example, a central processing unit (central processing unit, CPU), or other programmable general purpose or special purpose micro control unit (micro control unit, MCU), microprocessor (microprocessor), digital signal processing Digital signal processor (DSP), programmable controller, application specific integrated circuit (ASIC), graphics processing unit (graphics processing unit, GPU), arithmetic logic unit (arithmetic logic unit, ALU) , complex programmable logic device (complex programmable logic device, CPLD), field programmable logic gate array (field programmable gate array, FPGA) or other similar components or a combination of the above components.

輸入輸出裝置120用以傳遞訊號。例如，處理器110可經由輸入輸出裝置120接收輸入訊號或者傳送輸出訊號。例如，輸入輸出裝置120可包括滑鼠、鍵盤、螢幕、觸控面板、及/或揚聲器等各式輸入/輸出裝置。The I/O device 120 is used for transmitting signals. For example, the processor 110 may receive input signals or transmit output signals through the input and output device 120 . For example, the input/output device 120 may include various input/output devices such as a mouse, a keyboard, a screen, a touch panel, and/or a speaker.

收發器130以無線或有線的方式傳送及接收訊號。收發器130還可以執行例如低噪聲放大、阻抗匹配、混頻、向上或向下頻率轉換、濾波、放大以及類似的操作。.The transceiver 130 transmits and receives signals in a wireless or wired manner. The transceiver 130 may also perform operations such as low noise amplification, impedance matching, frequency mixing, up or down frequency conversion, filtering, amplification, and the like. .

儲存媒體140例如是任何型態的固定式或可移動式的隨機存取記憶體（random access memory，RAM）、唯讀記憶體（read-only memory，ROM）、快閃記憶體（flash memory）、硬碟（hard disk drive，HDD）、固態硬碟（solid state drive，SSD）或類似元件或上述元件的組合。The storage medium 140 is, for example, any type of fixed or removable random access memory (random access memory, RAM), read-only memory (read-only memory, ROM), flash memory (flash memory) , hard disk drive (hard disk drive, HDD), solid state drive (solid state drive, SSD) or similar components or a combination of the above components.

第一用戶端電子裝置200a（或第二用戶端電子裝置200b）  可具有處理單元（例如：處理器但不限於此）、通訊單元（例如：各類通訊晶片、行動通訊晶片、藍芽晶片、WiFi晶片等但不限於此）及儲存單元（例如：可移動隨機存取記憶體、快閃記憶體、硬碟等但不限於此）等運行第一用戶端電子裝置200a（或第二用戶端電子裝置200b）的必要構件。第一用戶端電子裝置200a（或第二用戶端電子裝置200b）例如是一般常用的終端裝置，例如，第一用戶端電子裝置200a（或第二用戶端電子裝置200b）可包括桌上型電腦、筆記型電腦、個人數位助理（personal digital assistant，PDA)、智慧型手機或精簡型終端等具備IP位址或連網功能的設備。第一用戶端電子裝置200a（或第二用戶端電子裝置200b）可分別由欲建立數位貨幣帳號以執行數位貨幣交易的不同用戶使用。The first user-end electronic device 200a (or the second user-end electronic device 200b) may have a processing unit (for example: a processor but not limited thereto), a communication unit (for example: various communication chips, mobile communication chips, bluetooth chips, WiFi chips, etc. but not limited thereto) and storage units (for example: removable random access memory, flash memory, hard disk, etc. but not limited thereto) etc. to run the first client electronic device 200a (or the second client terminal An essential component of the electronic device 200b). The first client electronic device 200a (or the second client electronic device 200b) is, for example, a commonly used terminal device, for example, the first client electronic device 200a (or the second client electronic device 200b) may include a desktop computer , notebook computer, personal digital assistant (personal digital assistant, PDA), smart phone or thin terminal and other devices with IP address or networking function. The first user-end electronic device 200a (or the second user-end electronic device 200b ) can be used by different users who intend to establish digital currency accounts to perform digital currency transactions.

在此需說明的是，本揭露的數位貨幣例如可以是虛擬貨幣或者加密貨幣，本揭露不限制數位貨幣的種類。It should be noted here that the digital currency disclosed in this disclosure may be, for example, virtual currency or encrypted currency, and the disclosure does not limit the type of digital currency.

處理器110可建立對應於第一用戶識別資訊的第一數位貨幣帳號。在建立第一數位貨幣帳號之後，處理器110例如可將第一數位貨幣帳號儲存於儲存媒體140。The processor 110 can establish a first digital currency account corresponding to the first user identification information. After establishing the first digital currency account, the processor 110 may store the first digital currency account in the storage medium 140 , for example.

在一實施例中，處理器110可接收第一用戶識別資訊。例如，若用戶到銀行臨櫃申請開立數位貨幣帳號，銀行行員可操作伺服器100的輸入輸出裝置120，處理器110可通過輸入輸出裝置120接收第一用戶識別資訊。另一方面，若用戶利用第一用戶端電子裝置200a遠端申請開立數位貨幣帳號，處理器110可通過收發器130接收第一用戶識別資訊。第一用戶識別資訊例如是用戶的身分證號碼及/或電話號碼。In one embodiment, the processor 110 may receive first user identification information. For example, if a user goes to a bank counter to apply for opening a digital currency account, the bank clerk can operate the I/O device 120 of the server 100 , and the processor 110 can receive the first user identification information through the I/O device 120 . On the other hand, if the user uses the first client electronic device 200a to remotely apply for opening a digital currency account, the processor 110 may receive the first user identification information through the transceiver 130 . The first user identification information is, for example, the user's ID card number and/or phone number.

處理器110可判斷第一用戶識別資訊是否為有效用戶。若第一用戶識別資訊為有效用戶，處理器110可建立對應於第一用戶識別資訊的第一數位貨幣帳號。The processor 110 can determine whether the first user identification information is a valid user. If the first user identification information is a valid user, the processor 110 may establish a first digital currency account corresponding to the first user identification information.

舉例來說，若此用戶為設置伺服器100的銀行用戶（即，本行用戶），儲存媒體140預先可儲存與此第一用戶識別資訊（例如身分證號碼）匹配的帳號資訊，處理器110可判斷第一用戶識別資訊為有效用戶，並建立對應於第一用戶識別資訊的第一數位貨幣帳號。另一方面，若此用戶並非設置伺服器100的銀行用戶（即，他行用戶或無銀行帳號的用戶），處理器110可通過收發器130要求電信業者伺服器驗證（例如使用簡訊驗證）第一用戶識別資訊（例如身分證號碼及/或電話號碼），以藉此判斷第一用戶識別資訊是否為有效用戶。本揭露不限制判斷第一用戶識別資訊是否為有效用戶的實施方式。For example, if the user is a bank user (that is, a user of the bank) who sets up the server 100, the storage medium 140 may store account information matching the first user identification information (such as an ID card number) in advance, and the processor 110 It can determine that the first user identification information is a valid user, and establish a first digital currency account corresponding to the first user identification information. On the other hand, if the user is not a bank user who sets up the server 100 (that is, a user of another bank or a user without a bank account), the processor 110 can request the server of the telecom operator to verify (for example, use SMS verification) through the transceiver 130. A user identification information (such as ID card number and/or phone number), so as to determine whether the first user identification information is a valid user. This disclosure does not limit the implementation manner of determining whether the first user identification information is a valid user.

在第一數位貨幣帳號建立之後，用戶可登入第一用戶端電子裝置200a中的數位貨幣應用程式，來存取第一數位貨幣帳號。需說明的是，數位貨幣應用程式可以是與網路銀行應用程式不同的應用程式，也可以是與網路銀行應用程式相同的應用程式。本揭露不對此限制。After the first digital currency account is established, the user can log in the digital currency application in the first client electronic device 200a to access the first digital currency account. It should be noted that the digital currency application program may be a different application program from the online banking application program, or may be the same application program as the online banking application program. This disclosure is not limited thereto.

在一實施例中，處理器110可接收數位貨幣存入請求。處理器110可通過輸入輸出裝置120接收數位貨幣存入請求（針對臨櫃用戶），或者，處理器110可通過收發器130接收數位貨幣存入請求（針對利用用戶端電子裝置的遠端用戶）。數位貨幣存入請求可包括數位貨幣存入金額以及第一數位貨幣帳號。在接收數位貨幣存入請求之後，處理器110可將數位貨幣存入金額存入第一數位貨幣帳號。換句話說，本揭露的伺服器100可讓用戶直接將數位貨幣存入已建立的數位貨幣帳號。In one embodiment, the processor 110 may receive a digital currency deposit request. The processor 110 may receive a digital currency deposit request through the input and output device 120 (for the user at the counter), or, the processor 110 may receive the digital currency deposit request through the transceiver 130 (for the remote user using the user-end electronic device) . The digital currency deposit request may include the digital currency deposit amount and the first digital currency account number. After receiving the digital currency deposit request, the processor 110 may deposit the digital currency deposit amount into the first digital currency account. In other words, the server 100 of the present disclosure allows users to directly deposit digital currency into an established digital currency account.

本揭露的用於數位貨幣的帳號建立與交易的伺服器100也可讓用戶連結（綁定）數位貨幣帳號以及實體貨幣銀行帳號，其實施方式將於以下說明。The disclosed server 100 for establishing and trading digital currency accounts can also allow users to link (bind) digital currency accounts and physical currency bank accounts, and its implementation will be described below.

處理器110可接收第一帳號連結請求。處理器110可通過輸入輸出裝置120接收第一帳號連結請求（針對臨櫃用戶），或者，處理器110可通過收發器130接收第一帳號連結請求（針對利用用戶端電子裝置的遠端用戶）。第一帳號連結請求可包括第一數位貨幣帳號以及第一實體貨幣銀行帳號。處理器110可建立第一數位貨幣帳號以及第一實體貨幣銀行帳號的連結。換句話說，處理器110可連結（綁定）數位貨幣帳號以及實體貨幣銀行帳號，以讓用戶在數位貨幣帳號及實體貨幣銀行帳號之間交易（轉帳）。The processor 110 may receive a first account linking request. The processor 110 may receive the first account linking request (for the user facing the cabinet) through the input and output device 120, or the processor 110 may receive the first account linking request (for the remote user using the user-end electronic device) through the transceiver 130 . The first account linking request may include the first digital currency account number and the first physical currency bank account number. The processor 110 may establish a link between the first digital currency account and the first physical currency bank account. In other words, the processor 110 can link (bind) the digital currency account and the physical currency bank account, so that the user can trade (transfer) between the digital currency account and the physical currency bank account.

需說明的是，第一帳號連結請求中的第一數位貨幣帳號以及第一實體貨幣銀行帳號可以是不同銀行的帳號。例如，若用戶1有銀行A的實體貨幣銀行帳號，且用戶1建立了銀行B的數位貨幣帳號，處理器110可連結（綁定）用戶1在銀行B的數位貨幣帳號以及用戶1在銀行A的實體貨幣銀行帳號。It should be noted that the first digital currency account number and the first physical currency bank account number in the first account link request may be accounts of different banks. For example, if user 1 has a physical currency bank account of bank A, and user 1 has established a digital currency account of bank B, processor 110 can link (bind) user 1's digital currency account in bank B and user 1's digital currency account in bank A physical currency bank account number of .

在另一實施例中，第一帳號連結請求中的第一數位貨幣帳號以及第一實體貨幣銀行帳號可以是不同用戶的帳號。例如，若用戶2有銀行A的實體貨幣銀行帳號，而用戶1建立了銀行B的數位貨幣帳號，在用戶1及/或用戶2確認同意（例如用戶1及/或用戶2利用用戶端電子裝置傳送確認訊息至伺服器100）之後，處理器110可連結（綁定）用戶1在銀行B的數位貨幣帳號以及用戶2在銀行A的實體貨幣銀行帳號。In another embodiment, the first digital currency account number and the first physical currency bank account number in the first account linking request may be account numbers of different users. For example, if user 2 has a physical currency bank account of bank A, and user 1 has established a digital currency account of bank B, after user 1 and/or user 2 confirm and agree (for example, user 1 and/or user 2 use the user terminal electronic device After sending the confirmation message to the server 100 ), the processor 110 can link (bind) the digital currency account of the user 1 in the bank B and the physical currency bank account of the user 2 in the bank A.

進一步而言，前述的第一數位貨幣帳號可對應於第一數位貨幣幣別，且第一實體貨幣銀行帳號可對應於第一實體貨幣幣別。第一匯率值可指示第一數位貨幣幣別與第一實體貨幣幣別之間的匯率值。舉例來說，若第一數位貨幣帳號是比特幣帳號，且第一數位貨幣帳號是台幣帳號，則第一匯率值可指示比特幣與台幣之間的匯率值。Further, the aforementioned first digital currency account number may correspond to the first digital currency currency, and the first physical currency bank account number may correspond to the first physical currency currency. The first exchange rate value may indicate an exchange rate value between the first digital currency currency and the first physical currency currency. For example, if the first digital currency account is a bitcoin account and the first digital currency account is a Taiwan dollar account, the first exchange rate value may indicate the exchange rate between bitcoin and Taiwan dollar.

在連結（綁定）數位貨幣帳號以及實體貨幣銀行帳號之後，用戶可從實體貨幣轉帳（儲值）成數位貨幣。After linking (binding) the digital currency account and the physical currency bank account, the user can transfer (store value) from the physical currency to digital currency.

在一實施例中，處理器110可接收數位貨幣存入請求，處理器110可通過輸入輸出裝置120接收數位貨幣存入請求（針對臨櫃用戶），或者，處理器110可通過收發器130接收數位貨幣存入請求（針對利用用戶端電子裝置的遠端用戶）。數位貨幣存入請求可包括數位貨幣存入金額、第一數位貨幣帳號以及第一實體貨幣銀行帳號。處理器110可根據第一匯率值獲得等值於數位貨幣存入金額的實體貨幣應扣除金額。換句話說，用戶可利用數位貨幣存入請求指示希望轉帳（儲值）的數位貨幣金額，處理器110可根據第一匯率值計算此希望轉帳（儲值）的數位貨幣金額所等值的實體貨幣應扣除金額。In one embodiment, the processor 110 may receive a digital currency deposit request, and the processor 110 may receive a digital currency deposit request (for users at the counter) through the input and output device 120, or the processor 110 may receive the digital currency deposit request through the transceiver 130 Digital currency deposit request (for remote users using client electronic devices). The digital currency deposit request may include a digital currency deposit amount, a first digital currency account number, and a first physical currency bank account number. The processor 110 may obtain a deductible amount of physical currency equivalent to the deposited amount of digital currency according to the first exchange rate value. In other words, the user can use the digital currency deposit request to indicate the amount of digital currency that he wants to transfer (stored value), and the processor 110 can calculate the entity that the digital currency amount that he wants to transfer (stored value) is equivalent to based on the first exchange rate value Currency should deduct the amount.

處理器110可將實體貨幣應扣除金額自第一實體貨幣銀行帳號扣除，以及將數位貨幣存入金額存入第一數位貨幣帳號。The processor 110 may deduct the deduction amount of the physical currency from the first physical currency bank account, and deposit the digital currency deposit amount into the first digital currency account.

雖然上述實施例以數位貨幣存入請求指示數位貨幣存入金額作為實施範例，數位貨幣存入請求也可以更改為指示用戶希望從實體貨幣銀行帳號扣除的實體貨幣扣除金額，並在處理器110獲得等值於此實體貨幣扣除金額的數位貨幣存入金額之後，從實體貨幣轉帳（儲值）成數位貨幣。Although the above-mentioned embodiment uses the digital currency deposit request to indicate the digital currency deposit amount as an implementation example, the digital currency deposit request can also be changed to indicate the physical currency deduction amount that the user wishes to deduct from the physical currency bank account, and obtain it at the processor 110 After depositing the amount of digital currency equivalent to the deduction amount of this physical currency, transfer (store value) from physical currency to digital currency.

在一實施例中，若數位貨幣帳號內的數位貨幣餘額不足，本揭露的用於數位貨幣的帳號建立與交易的伺服器100可將數位貨幣預設存入金額存入數位貨幣帳號。In one embodiment, if the digital currency balance in the digital currency account is insufficient, the server 100 for digital currency account establishment and transaction of the present disclosure may deposit the digital currency preset deposit amount into the digital currency account.

處理器110可根據第一匯率值獲得等值於數位貨幣預設存入金額的實體貨幣預設扣除金額。The processor 110 may obtain a preset deduction amount of physical currency equivalent to a preset deposit amount of digital currency according to the first exchange rate value.

若第一數位貨幣帳號中的數位貨幣餘額小於數位貨幣餘額門檻值，處理器110可將實體貨幣預設扣除金額自第一實體貨幣銀行帳號扣除，並且將數位貨幣預設存入金額存入第一數位貨幣帳號。If the digital currency balance in the first digital currency account is less than the digital currency balance threshold, the processor 110 may deduct the preset deduction amount of physical currency from the first physical currency bank account, and deposit the preset digital currency deposit amount into the second bank account. A digital currency account number.

換句話說，本揭露的用於數位貨幣的帳號建立與交易的伺服器100在數位貨幣不足特定金額（即，數位貨幣餘額門檻值）時，可由實體貨幣銀行帳號中的實體貨幣轉帳（儲值）成為數位貨幣。In other words, the server 100 for digital currency account establishment and transaction disclosed in this disclosure can transfer funds (stored value) from the physical currency in the physical currency bank account when the digital currency is less than a certain amount (that is, the digital currency balance threshold value). ) becomes a digital currency.

雖然上述實施例以獲得等值於數位貨幣預設存入金額的實體貨幣預設扣除金額作為實施範例，在另一實施例中，處理器110可以是在獲得等值於實體貨幣預設扣除金額的數位貨幣預設存入金額之後，從實體貨幣轉帳（儲值）成數位貨幣。Although the above-mentioned embodiment obtains the preset deduction amount of physical currency equivalent to the preset deposit amount of digital currency as an implementation example, in another embodiment, the processor 110 may obtain the preset deduction amount of physical currency equivalent to After the preset amount of digital currency is deposited, transfer (store value) from physical currency to digital currency.

在一實施例中，處理器110可接收行動支付交易請求，行動支付交易請求可包括行動支付交易金額、第一數位貨幣帳號以及第一實體貨幣銀行帳號，行動支付交易金額可對應於第一實體貨幣幣別。In one embodiment, the processor 110 may receive a mobile payment transaction request, and the mobile payment transaction request may include a mobile payment transaction amount, a first digital currency account number, and a first entity currency bank account number, and the mobile payment transaction amount may correspond to the first entity Currency type.

處理器110可根據第一匯率值獲得等值於行動支付交易金額的數位貨幣應扣除金額，並將數位貨幣應扣除金額自第一數位貨幣帳號扣除。The processor 110 may obtain a deductible amount of digital currency equivalent to the mobile payment transaction amount according to the first exchange rate value, and deduct the deductible amount of digital currency from the first digital currency account.

換句話說，本揭露的用於數位貨幣的帳號建立與交易的伺服器100可將原本利用實體貨幣付款的行動支付交易，改為利用數位貨幣付款。In other words, the server 100 for digital currency account establishment and transaction of the present disclosure can change the mobile payment transaction that is originally paid in physical currency to digital currency payment.

在另一實施例中，行動支付交易金額可對應於數位貨幣幣別（即，行動支付交易請求可指示直接使用數位貨幣交易，因此處理器110不需參考第一匯率值），處理器110可直接從數位貨幣帳號扣款。In another embodiment, the mobile payment transaction amount may correspond to the digital currency currency (that is, the mobile payment transaction request may indicate that the digital currency transaction is directly used, so the processor 110 does not need to refer to the first exchange rate value), and the processor 110 may Debit directly from the digital currency account.

在一實施例中，本揭露的用於數位貨幣的帳號建立與交易的伺服器100可讓已分別建立數位貨幣帳號的不同用戶互相交易。In one embodiment, the server 100 for establishing and trading digital currency accounts of the present disclosure can allow different users who have respectively established digital currency accounts to trade with each other.

如前述實施例（第一用戶）所說明的，處理器110也可（為第二用戶）建立對應於第二用戶識別資訊的第二數位貨幣帳號。As described in the foregoing embodiment (the first user), the processor 110 may also establish (for the second user) a second digital currency account corresponding to the second user identification information.

第一用戶端電子裝置200a可關聯於第一數位貨幣帳號，第二用戶端電子裝置200b可關聯於第二數位貨幣帳號。例如，第一用戶端電子裝置200a可包括第一用戶登入後能夠存取第一數位貨幣帳號，第二用戶端電子裝置200b可包括第二用戶登入後能夠存取第二數位貨幣帳號的應用程式。The first client electronic device 200a may be associated with a first digital currency account, and the second client electronic device 200b may be associated with a second digital currency account. For example, the first client electronic device 200a may include a first user to log in to access a first digital currency account, and the second client electronic device 200b may include an application program that a second user may log in to access a second digital currency account .

第一用戶端電子裝置200a及第二用戶端電子裝置200b的可執行交互確認操作。交互確認操作可以是由第一用戶端電子裝置200a顯示快速反應碼（Quick Response Code，QR Code），並由第二用戶端電子裝置200b掃描此快速反應碼。或者，交互確認操作可以是第一用戶端電子裝置200a與第二用戶端電子裝置200b的互相移動（例如，搖動）。若處理器110通過收發器130由第一用戶端電子裝置200a以及第二用戶端電子裝置200b接收交易對象確認訊息，處理器110可判斷第一用戶端電子裝置200a與第二用戶端電子裝置200b的交互確認操作獲得交互確認成功結果。The first user-end electronic device 200a and the second user-end electronic device 200b can perform an interactive confirmation operation. The interactive confirmation operation may be that the first user-end electronic device 200a displays a Quick Response Code (Quick Response Code, QR Code), and the second user-end electronic device 200b scans the Quick Response Code. Alternatively, the interactive confirmation operation may be mutual movement (for example, shaking) of the first client electronic device 200a and the second client electronic device 200b. If the processor 110 receives the transaction object confirmation message from the first client electronic device 200a and the second client electronic device 200b through the transceiver 130, the processor 110 can determine the first client electronic device 200a and the second client electronic device 200b The interactive confirmation operation of the interactive confirmation success result is obtained.

第一用戶端電子裝置200a可傳送關聯於第一用戶端電子裝置200a以及第二用戶端電子裝置200b的數位貨幣交易訊息至處理器110。例如，數位貨幣交易訊息可以是第一用戶要求從第一數位貨幣帳號轉帳給第二用戶的第二數位貨幣帳號。The first client electronic device 200a can send the digital currency transaction information associated with the first client electronic device 200a and the second client electronic device 200b to the processor 110 . For example, the digital currency transaction message may be that the first user requests to transfer funds from the first digital currency account to the second user's second digital currency account.

響應於第一用戶端電子裝置200a以及第二用戶端電子裝置200b的交互確認操作獲得交互確認成功結果，並且響應於接收關聯於第一用戶端電子裝置200a以及第二用戶端電子裝置200b的數位貨幣交易訊息，處理器110可利用第一數位貨幣帳號以及第二數位貨幣帳號執行數位貨幣交易。Responding to the interactive confirmation operation of the first user-end electronic device 200a and the second user-side electronic device 200b, an interactive confirmation success result is obtained, and in response to receiving the digits associated with the first user-end electronic device 200a and the second user-end electronic device 200b For the currency transaction message, the processor 110 can use the first digital currency account number and the second digital currency account number to execute the digital currency transaction.

在另一實施例中，上述不同用戶的數位貨幣帳號之間的交易可以是離線交易。例如，若第一用戶要求從第一數位貨幣帳號轉帳給第二用戶的第二數位貨幣帳號的數位貨幣金額小於一門檻值，上述不同用戶的數位貨幣帳號之間的交易可以在無網路狀態下執行。In another embodiment, the transactions between the above-mentioned digital currency accounts of different users may be offline transactions. For example, if the amount of digital currency that the first user requests to transfer from the first digital currency account to the second user's second digital currency account is less than a threshold value, the transactions between the digital currency accounts of the above-mentioned different users can be done without network Next execute.

在另一實施例中，數位貨幣帳號可對應於多個數位貨幣幣別。例如，數位貨幣帳號可同時對應於加密貨幣1以及加密貨幣2，基此，前述各實施例（即，建立數位貨幣帳號、數位貨幣存入、數位貨幣帳號與實體貨幣帳號連結、由實體貨幣帳號轉帳成數位貨幣、行動交易支付以數位貨幣付款或者不同用戶的數位貨幣帳號互相交易）均可由用戶指定多個數位貨幣幣別之中的特定數位貨幣幣別。In another embodiment, the digital currency account number may correspond to multiple digital currency currencies. For example, the digital currency account can correspond to both encrypted currency 1 and encrypted currency 2. Based on this, the foregoing embodiments (that is, establishing a digital currency account, depositing digital currency, linking a digital currency account with a physical currency account, and using a physical currency account Transfer into digital currency, payment in digital currency by mobile transaction payment, or mutual transaction between digital currency accounts of different users) can all be designated by the user to specify a specific digital currency currency among multiple digital currency currencies.

圖2是根據本揭露一實施例的數位貨幣帳號建立與交易的方法流程圖，其中數位貨幣帳號建立與交易的方法可由如圖1所示的伺服器100實施。在步驟S201中，建立對應於第一用戶識別資訊的第一數位貨幣帳號。在步驟S202中，利用第一數位貨幣帳號執行數位貨幣交易。圖2所示方法已於前述伺服器100的實施例中說明，於此不再贅述。FIG. 2 is a flowchart of a method for establishing and trading a digital currency account according to an embodiment of the present disclosure, wherein the method for establishing and trading a digital currency account can be implemented by the server 100 shown in FIG. 1 . In step S201, a first digital currency account corresponding to the first user identification information is established. In step S202, a digital currency transaction is performed using the first digital currency account. The method shown in FIG. 2 has been described in the foregoing embodiment of the server 100 , and will not be repeated here.

綜上所述，本揭露的用於數位貨幣的帳號建立與交易的伺服器及其方法可在判斷用戶識別資訊為有效用戶後建立數位貨幣帳號，除此之外，還可讓用戶連結（綁定）數位貨幣帳號與實體貨幣帳號，以在數位貨幣帳號與實體貨幣帳號之間進行交易。基此，可優化數位貨幣的帳號建立與交易的效率。To sum up, the server and method for digital currency account establishment and transaction disclosed in this disclosure can create a digital currency account after judging that the user identification information is a valid user. In addition, it can also allow users to link (bind Set) the digital currency account and the physical currency account to conduct transactions between the digital currency account and the physical currency account. Based on this, the efficiency of digital currency account establishment and transaction can be optimized.

雖然本揭露已以實施例揭露如上，然其並非用以限定本揭露，任何所屬技術領域中具有通常知識者，在不脫離本揭露的精神和範圍內，當可作些許的更動與潤飾，故本揭露的保護範圍當視後附的申請專利範圍所界定者為準。Although the present disclosure has been disclosed above with embodiments, it is not intended to limit the present disclosure. Anyone with ordinary knowledge in the technical field may make some changes and modifications without departing from the spirit and scope of the present disclosure. The scope of protection of this disclosure should be defined by the scope of the appended patent application.

100:用於數位貨幣帳號建立與交易的伺服器 110:處理器 120:輸入輸出裝置 130:收發器 140:儲存媒體 200a、200b:用戶端電子裝置 S201、S202:步驟 100: Servers for digital currency account creation and transactions 110: Processor 120: Input and output device 130: Transceiver 140: storage media 200a, 200b: user end electronic device S201, S202: steps

圖1是根據本揭露一實施例的用於數位貨幣的帳號建立與交易的伺服器的示意圖。 圖2是根據本揭露一實施例的數位貨幣的帳號建立與交易的方法流程圖。 FIG. 1 is a schematic diagram of a server for account creation and transaction of digital currency according to an embodiment of the present disclosure. FIG. 2 is a flowchart of a method for establishing and trading a digital currency account according to an embodiment of the present disclosure.

S201、S202:步驟 S201, S202: steps

Claims (6)

一種用於數位貨幣的帳號建立與交易的伺服器，包括：一儲存媒體，用以儲存一第一用戶識別資訊的一第一數位貨幣帳號；一輸入輸出裝置，用以作為所述伺服器的輸入輸出介面；一收發器，用以作為所述伺服器的訊號發收介面；以及一處理器，耦接所述儲存媒體、所述輸入輸出裝置以及所述收發器，且經配置以：建立對應於所述第一用戶識別資訊的所述第一數位貨幣帳號；以及利用所述第一數位貨幣帳號執行一數位貨幣交易，其中所述處理器更經配置以：接收一第一帳號連結請求，其中所述第一帳號連結請求包括所述第一數位貨幣帳號以及一第一實體貨幣銀行帳號；以及建立所述第一數位貨幣帳號以及所述第一實體貨幣銀行帳號的連結，其中所述第一數位貨幣帳號以及所述第一實體貨幣銀行帳號對應於不同用戶，其中所述第一數位貨幣帳號對應於一第一數位貨幣幣別，其中所述第一實體貨幣銀行帳號對應於一第一實體貨幣幣別，其中一第一匯率值指示所述第一數位貨幣幣別與所述第一實體貨幣幣別之間的匯率值， 其中所述處理器更經配置以：根據所述第一匯率值獲得等值於一數位貨幣預設存入金額的一實體貨幣預設扣除金額；以及若所述第一數位貨幣帳號中的一數位貨幣餘額小於一數位貨幣餘額門檻值，將所述實體貨幣預設扣除金額自所述第一實體貨幣銀行帳號扣除，並且將所述數位貨幣預設存入金額存入所述第一數位貨幣帳號，其中所述處理器更經配置以：接收一行動支付交易請求，其中所述行動支付交易請求包括一行動支付交易金額、所述第一數位貨幣帳號以及所述第一實體貨幣銀行帳號，其中所述行動支付交易金額對應於所述第一實體貨幣幣別；根據所述第一匯率值獲得等值於所述行動支付交易金額的一數位貨幣應扣除金額；以及將所述數位貨幣應扣除金額自所述第一數位貨幣帳號扣除。 A server for digital currency account establishment and transaction, including: a storage medium for storing a first digital currency account number of a first user identification information; an input and output device for the server an input and output interface; a transceiver, used as a signal sending and receiving interface of the server; and a processor, coupled to the storage medium, the input and output device and the transceiver, and configured to: establish The first digital currency account corresponding to the first user identification information; and performing a digital currency transaction using the first digital currency account, wherein the processor is further configured to: receive a first account link request , wherein the first account linking request includes the first digital currency account number and a first physical currency bank account number; and establishing a link between the first digital currency account number and the first physical currency bank account number, wherein the The first digital currency account number and the first entity currency bank account correspond to different users, wherein the first digital currency account number corresponds to a first digital currency currency, and wherein the first entity currency bank account number corresponds to a first entity currency bank account number a physical currency, wherein a first exchange rate value indicates the exchange rate between the first digital currency and the first physical currency, Wherein the processor is further configured to: obtain a preset deduction amount of physical currency equivalent to a preset digital currency deposit amount according to the first exchange rate value; and if one of the first digital currency account numbers If the digital currency balance is less than a digital currency balance threshold value, the preset deduction amount of the physical currency is deducted from the first physical currency bank account, and the preset digital currency deposit amount is deposited into the first digital currency account number, wherein the processor is further configured to: receive a mobile payment transaction request, wherein the mobile payment transaction request includes a mobile payment transaction amount, the first digital currency account number, and the first physical currency bank account number, Wherein the mobile payment transaction amount corresponds to the currency of the first entity currency; obtain a deduction amount of a digital currency equivalent to the mobile payment transaction amount according to the first exchange rate value; and apply the digital currency The deduction amount is deducted from the first digital currency account. 如請求項1所述的用於數位貨幣的帳號建立與交易的伺服器，其中所述處理器更經配置以：接收所述第一用戶識別資訊；以及若所述第一用戶識別資訊為一有效用戶，建立對應於所述第一用戶識別資訊的所述第一數位貨幣帳號。 The server for account establishment and transaction of digital currency as described in claim 1, wherein the processor is further configured to: receive the first user identification information; and if the first user identification information is a A valid user creates the first digital currency account corresponding to the first user identification information. 如請求項1所述的用於數位貨幣的帳號建立與交易的伺服器，其中所述處理器更經配置以：接收一數位貨幣存入請求，其中所述數位貨幣存入請求包括一數位貨幣存入金額以及所述第一數位貨幣帳號；以及將所述數位貨幣存入金額存入所述第一數位貨幣帳號。 The server for account establishment and transaction of digital currency as described in Claim 1, wherein the processor is further configured to: receive a digital currency deposit request, wherein the digital currency deposit request includes a digital currency deposit amount and the first digital currency account; and deposit the digital currency deposit amount into the first digital currency account. 如請求項1所述的用於數位貨幣的帳號建立與交易的伺服器，其中所述第一數位貨幣帳號對應於一第一數位貨幣幣別，其中所述第一實體貨幣銀行帳號對應於一第一實體貨幣幣別，其中一第一匯率值指示所述第一數位貨幣幣別與所述第一實體貨幣幣別之間的匯率值，其中所述處理器更經配置以：接收一數位貨幣存入請求，其中所述數位貨幣存入請求包括一數位貨幣存入金額、所述第一數位貨幣帳號以及所述第一實體貨幣銀行帳號；根據所述第一匯率值獲得等值於所述數位貨幣存入金額的一實體貨幣應扣除金額；將所述實體貨幣應扣除金額自所述第一實體貨幣銀行帳號扣除；以及將所述數位貨幣存入金額存入所述第一數位貨幣帳號。 The server for digital currency account establishment and transaction as described in Claim 1, wherein the first digital currency account number corresponds to a first digital currency currency, and wherein the first physical currency bank account number corresponds to a A first physical currency currency, wherein a first exchange rate value indicates an exchange rate value between the first digital currency currency and the first physical currency currency, wherein the processor is further configured to: receive a digital currency Currency deposit request, wherein the digital currency deposit request includes a digital currency deposit amount, the first digital currency account number and the first entity currency bank account number; A deductible amount of the physical currency of the digital currency deposit amount; deducting the deductible amount of the physical currency from the first physical currency bank account; and depositing the digital currency deposit amount into the first digital currency account number. 如請求項1所述的用於數位貨幣的帳號建立與交易的伺服器，其中一第一用戶端電子裝置關聯於所述第一數位貨幣帳號，其中所述處理器更經配置以： 建立對應於一第二用戶識別資訊的一第二數位貨幣帳號，其中一第二用戶端電子裝置關聯於所述第二數位貨幣帳號；以及響應於所述第一用戶端電子裝置以及所述第二用戶端電子裝置的一交互確認操作獲得一交互確認成功結果，並且響應於接收關聯於所述第一用戶端電子裝置以及所述第二用戶端電子裝置的一數位貨幣交易訊息，利用所述第一數位貨幣帳號以及所述第二數位貨幣帳號執行所述數位貨幣交易。 The server for digital currency account establishment and transaction as described in claim 1, wherein a first client electronic device is associated with the first digital currency account, wherein the processor is further configured to: establishing a second digital currency account corresponding to a second user identification information, wherein a second client electronic device is associated with the second digital currency account; and in response to the first client electronic device and the second client electronic device An interactive confirmation operation of two user-end electronic devices obtains an interactive confirmation success result, and in response to receiving a digital currency transaction message associated with the first user-end electronic device and the second user-end electronic device, using the The first digital currency account and the second digital currency account execute the digital currency transaction. 一種數位貨幣的帳號建立與交易方法，適用於包括儲存媒體、輸入輸出裝置以及收發器的伺服器，所述方法包括：由所述處理器建立對應於一第一用戶識別資訊的一第一數位貨幣帳號；以及由所述處理器利用所述第一數位貨幣帳號執行一數位貨幣交易，其中由所述處理器利用所述第一數位貨幣帳號執行所述數位貨幣交易的步驟包括：由所述處理器接收一第一帳號連結請求，其中所述第一帳號連結請求包括所述第一數位貨幣帳號以及一第一實體貨幣銀行帳號；以及由所述處理器建立所述第一數位貨幣帳號以及所述第一實體貨幣銀行帳號的連結，其中所述第一數位貨幣帳號以及所述第一實體貨幣銀行帳號對應於不同用戶， 其中所述第一數位貨幣帳號對應於一第一數位貨幣幣別，其中所述第一實體貨幣銀行帳號對應於一第一實體貨幣幣別，其中一第一匯率值指示所述第一數位貨幣幣別與所述第一實體貨幣幣別之間的匯率值，其中由所述處理器利用所述第一數位貨幣帳號執行所述數位貨幣交易的步驟包括：由所述處理器根據所述第一匯率值獲得等值於一數位貨幣預設存入金額的一實體貨幣預設扣除金額；以及若所述第一數位貨幣帳號中的一數位貨幣餘額小於一數位貨幣餘額門檻值，由所述處理器將所述實體貨幣預設扣除金額自所述第一實體貨幣銀行帳號扣除，並且將所述數位貨幣預設存入金額存入所述第一數位貨幣帳號，其中由所述處理器利用所述第一數位貨幣帳號執行所述數位貨幣交易的步驟包括：由所述處理器接收一行動支付交易請求，其中所述行動支付交易請求包括一行動支付交易金額、所述第一數位貨幣帳號以及所述第一實體貨幣銀行帳號，其中所述行動支付交易金額對應於所述第一實體貨幣幣別；由所述處理器根據所述第一匯率值獲得等值於所述行動支付交易金額的一數位貨幣應扣除金額；以及由所述處理器將所述數位貨幣應扣除金額自所述第一數位貨幣帳號扣除。 A digital currency account creation and transaction method, suitable for servers including storage media, input and output devices, and transceivers, the method includes: establishing a first digital digit corresponding to a first user identification information by the processor currency account number; and performing a digital currency transaction by the processor using the first digital currency account number, wherein the step of performing the digital currency transaction by the processor using the first digital currency account number includes: by the The processor receives a first account link request, wherein the first account link request includes the first digital currency account and a first physical currency bank account; and the processor establishes the first digital currency account and a linkage of the first physical currency bank account number, wherein the first digital currency account number and the first physical currency bank account number correspond to different users, Wherein the first digital currency account number corresponds to a first digital currency currency, wherein the first physical currency bank account number corresponds to a first physical currency currency, wherein a first exchange rate value indicates the first digital currency The exchange rate value between the currency and the currency of the first entity currency, wherein the step of executing the digital currency transaction by the processor using the first digital currency account number includes: using the processor according to the first digital currency An exchange rate value obtains a preset deduction amount of physical currency equivalent to a preset deposit amount of a digital currency; and if a digital currency balance in the first digital currency account is less than a digital currency balance threshold value, by the The processor deducts the preset deduction amount of physical currency from the first physical currency bank account, and deposits the preset deposit amount of digital currency into the first digital currency account, wherein the processor utilizes The step of performing the digital currency transaction by the first digital currency account includes: receiving a mobile payment transaction request by the processor, wherein the mobile payment transaction request includes a mobile payment transaction amount, the first digital currency account number And the first entity currency bank account number, wherein the mobile payment transaction amount corresponds to the currency of the first entity currency; the processor obtains an amount equivalent to the mobile payment transaction amount according to the first exchange rate value a deductible amount in digital currency; and deducting the deductible amount in digital currency from the first digital currency account by the processor.
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