TWM653932U - Digital asset managing system - Google Patents

Abstract

本新型提供一種數位資產之管理系統，主要係包括有一金融單元及一數位資產監管單元。使用者可直接或透過金融單元而向數位資產監管單元申請一監管帳戶。使用者於金融單元內所擁有的金融帳戶，可分別與數位資產監管單元的監管帳戶及一數位資產交易所的一交易所帳戶建立相對應的連接關係。使用者透過數位資產交易所購得的數位資產，包括數位資產地址及私鑰，將不會長留交易所帳戶內，而是透過金融單元立即上傳給數位資產監管單元，並儲存於監管帳戶。數位資產監管單元可設有一交易紀錄簿，紀錄並儲存有與數位資產地址及私鑰。 The present invention provides a digital asset management system, which mainly includes a financial unit and a digital asset supervision unit. A user can apply for a supervision account from the digital asset supervision unit directly or through the financial unit. The financial account owned by the user in the financial unit can establish corresponding connection relationships with the supervision account of the digital asset supervision unit and an exchange account of a digital asset exchange. The digital assets purchased by the user through the digital asset exchange, including the digital asset address and private key, will not remain in the exchange account for a long time, but will be immediately uploaded to the digital asset supervision unit through the financial unit and stored in the supervision account. The digital asset supervision unit can have a transaction record book to record and store the digital asset address and private key.

Description

數位資產之管理系統 Digital asset management system

本新型係有關於一種數位資產之管理系統，主要是可將數位資產儲存於一數位資產監管單元，而不長存於數位資產交易所內，藉此可提高數位資產交易安全性者。 This new model is about a digital asset management system, which can store digital assets in a digital asset supervision unit instead of permanently storing them in a digital asset exchange, thereby improving the security of digital asset transactions.

請參閱圖1，為習用數位資產之管理系統的構造示意圖。數位資產交易系統10主要是一使用者11可向一金融單元13，例如銀行，申請有一金融帳戶131，金融帳戶131內存款有一儲存金額133。又，使用者11可向一數位資產交易所15，例如Bitfinex、Binance、Coinbase、Kraken、Bitstamp或Gemini，申請一交易所帳戶151。當使用者11欲購賣一數位資產，例如比特幣、以太坊、狗幣等加密貨幣或非同質或代幣(NFT)等，可命令金融單元13將金融帳戶131內的儲存金額133匯款至數位資產交易所15內的交易所帳戶151內，成為一交易金額153。數位資產交易所15接收到交易金額153後，將在數位資產交易所15內部進行資產轉換及記錄相關資料，例如可在使用者11所屬的交易所帳戶151內登記使用者11所購買之數位資產數值155(例如比特幣N枚)及所剩餘之交易金額153。反之，如果使用者11欲販售數位資產數值155，也可通知數位資產交易所15將交易所帳戶151內的數位資產數值155進行拋售，以換取交易金額153，數位資產交易所15也是在其內部進行資產轉換及記錄相關資料。換言之，數位資產交易 所15可協助使用者11直接進行交易金額153及數位資產數值155的轉換及管理。 Please refer to FIG. 1 for a schematic diagram of the structure of the management system for using digital assets. The digital asset trading system 10 mainly includes a user 11 who can apply for a financial account 131 from a financial unit 13, such as a bank, and a deposit 133 is deposited in the financial account 131. In addition, the user 11 can apply for an exchange account 151 from a digital asset exchange 15, such as Bitfinex, Binance, Coinbase, Kraken, Bitstamp or Gemini. When the user 11 wants to buy or sell a digital asset, such as Bitcoin, Ethereum, Dogecoin and other cryptocurrencies or non-fungible tokens (NFT), the user 11 can instruct the financial unit 13 to transfer the deposit 133 in the financial account 131 to the exchange account 151 in the digital asset exchange 15 to become a transaction amount 153. After receiving the transaction amount 153, the digital asset exchange 15 will perform asset conversion and record relevant data within the digital asset exchange 15. For example, the digital asset value 155 (e.g., N bitcoins) purchased by the user 11 and the remaining transaction amount 153 can be registered in the exchange account 151 to which the user 11 belongs. On the contrary, if the user 11 wants to sell the digital asset value 155, he can also notify the digital asset exchange 15 to sell the digital asset value 155 in the exchange account 151 in exchange for the transaction amount 153. The digital asset exchange 15 also performs asset conversion and records relevant data within it. In other words, the digital asset exchange 15 can assist the user 11 in directly converting and managing the transaction amount 153 and the digital asset value 155.

由於數位資產交易所15內儲存有大量的交易金額153及數位資產數值155，容易受到網路駭客的攻擊，甚至受到數位資產交易所15內部員工的不當盜賣，不時就會聽到使用者11在交易所帳戶151內所儲存數位資產數值155或交易金額153被非法挪用或突然消失的憾事發生。更嚴重者，數位資產交易所15可能因經營不善而突然宣布倒閉，使用者11無法再提取交易所帳戶151內交易金額153及/或數位資產數值155，如此將致使使用者11投資失利且血本無歸。 Since the digital asset exchange 15 stores a large amount of transaction amounts 153 and digital asset values 155, it is vulnerable to attacks by cyber hackers, or even improper theft by employees of the digital asset exchange 15. From time to time, we hear that the digital asset values 155 or transaction amounts 153 stored in the exchange account 151 of the user 11 are illegally misappropriated or suddenly disappear. More seriously, the digital asset exchange 15 may suddenly declare bankruptcy due to poor management, and the user 11 will no longer be able to withdraw the transaction amount 153 and/or digital asset value 155 in the exchange account 151, which will cause the user 11 to lose investment and lose all his money.

為此，使用者11可選擇將交易所帳戶151內的數位資產數值155及交易金額153提取並下載至一個人錢包17，或者另外將交易金額153匯回金融單元13的金融帳戶131，以成為儲存金額133。此時，數位資產交易所15會將其內部所已儲存且等同於數位資產數值155的數位資產資料173，或立即透過一區塊鏈19進行數位資產數值155的買賣，以換取屬於使用者11的數位資產資料173，提取並下載至使用者11所擁有的個人錢包17內。數位資產資料173至少包括有一數位資產地址(public key)175及相對應的一私鑰(private key)177。一旦使用者11將數位資產資料173提取並下載至個人錢包17，數位資產交易所15就會永遠抹除在數位資產交易所15內的數位資產數值155、交易金額153及/或數位資產資料173。 To this end, the user 11 can choose to extract and download the digital asset value 155 and the transaction amount 153 in the exchange account 151 to a personal wallet 17, or transfer the transaction amount 153 back to the financial account 131 of the financial unit 13 to become the stored amount 133. At this time, the digital asset exchange 15 will extract and download the digital asset data 173 stored in it and equivalent to the digital asset value 155, or immediately trade the digital asset value 155 through a blockchain 19 in exchange for the digital asset data 173 belonging to the user 11 to the personal wallet 17 owned by the user 11. The digital asset data 173 includes at least a digital asset address (public key) 175 and a corresponding private key (private key) 177. Once the user 11 extracts and downloads the digital asset data 173 to the personal wallet 17, the digital asset exchange 15 will permanently erase the digital asset value 155, transaction amount 153 and/or digital asset data 173 in the digital asset exchange 15.

當然，使用者11在申請金融帳戶131或交易所帳戶151時，還是必須經過金融單元13或數位資產交易所15的身分驗證，例如反洗錢(AML)及/或知客(KYC)等程序。而使用者11也會獲得有關金融帳戶131或交易所帳戶151的開啟密碼。 Of course, when applying for a financial account 131 or an exchange account 151, user 11 must still undergo identity verification by the financial unit 13 or digital asset exchange 15, such as anti-money laundering (AML) and/or know your customer (KYC) procedures. User 11 will also receive an unlocking password for the financial account 131 or exchange account 151.

個人錢包17具有其儲存安全性，雖然可避免網路駭客的攻擊或數位資產交易所的不當經營缺點，但只要個人錢包17損壞或忘記私鑰 177，則個人錢包17內的數位資產資料173即無法再被提取及交易，讓使用者11的投資瞬間化為烏有，同樣是投資失利及血本無歸。 The personal wallet 17 has its own storage security. Although it can avoid attacks by cyber hackers or improper management of digital asset exchanges, as long as the personal wallet 17 is damaged or the private key 177 is forgotten, the digital asset data 173 in the personal wallet 17 can no longer be extracted and traded, making the investment of the user 11 disappear in an instant, which is also an investment failure and a total loss.

本新型的主要目的在於提供一種數位資產之管理系統，透過一金融單元及一數位資產監管單元，數位資產資料可儲存於數位資產監管單元的監管帳戶內，不僅可降低駭客攻擊而提高數位資產的交易安全性，也可避免數位資產交易所因為內部管理不當，以致使數位資產被盜賣或數位資產交易所突然倒閉所造成的投資失敗。 The main purpose of this new model is to provide a digital asset management system. Through a financial unit and a digital asset supervision unit, digital asset data can be stored in the supervision account of the digital asset supervision unit. It can not only reduce hacker attacks and improve the transaction security of digital assets, but also avoid investment failures caused by improper internal management of digital asset exchanges, such as digital assets being stolen or digital asset exchanges suddenly closing down.

本新型的又一目的在於提供一種數位資產之管理系統，主要是將數位資產的私鑰紀錄並儲存於數位資產監管單元的監管帳戶或交易紀錄簿，藉此可避免個人錢包遺失或忘記私鑰所形成的數位資產不能再交易的弊端。 Another purpose of this new model is to provide a digital asset management system, which mainly records and stores the private key of the digital asset in the supervision account or transaction record book of the digital asset supervision unit, thereby avoiding the disadvantage that the digital asset can no longer be traded due to the loss of personal wallet or forgetting of private key.

本新型的又一目的在於提供一種數位資產之管理系統，金融單元可透過申請而產生一數位資產雙讀取卡，使用者可手持數位資產雙讀取卡，不僅可直接購物以支付商品款項，也可方便進行數位資產的販售以換取儲存金額，藉此以方便數位資產的交易活絡性。 Another purpose of the present invention is to provide a digital asset management system. Financial units can generate a digital asset dual-access card through application. Users can hold the digital asset dual-access card and not only pay for goods directly, but also sell digital assets in exchange for deposits, thereby facilitating the transaction of digital assets.

為達成上述目的，本新型提供一種數位資產之管理系統，包括有：一金融單元，設有一金融帳戶，該金融帳戶可連接一個人錢包或設於一數位資產交易所的一交易所帳戶；及一數位資產監管單元，連接該金融單元，設有一與該金融帳戶相對應的監管帳戶，該監管帳戶內儲存有至少一數位資產資料，而該數位資產資料包括有一數位資產地址及一相對應的私鑰。 To achieve the above purpose, the present invention provides a digital asset management system, including: a financial unit, which has a financial account, which can be connected to a personal wallet or an exchange account in a digital asset exchange; and a digital asset supervision unit, which is connected to the financial unit and has a supervision account corresponding to the financial account, and the supervision account stores at least one digital asset data, and the digital asset data includes a digital asset address and a corresponding private key.

本新型一實施例中，其中該金融帳戶或該監管帳戶內儲存有一儲存金額。 In one embodiment of the present invention, a deposit amount is stored in the financial account or the regulatory account.

本新型一實施例中，其中該數位資產監管單元設有一交易紀錄簿，該交易紀錄簿內記載有與該數位資產資料相對應的至少一交易資料。 In an embodiment of the present invention, the digital asset supervision unit is provided with a transaction record book, and the transaction record book contains at least one transaction data corresponding to the digital asset data.

本新型一實施例中，其中該交易資料至少包括有一交易基本資料及該數位資產資料。 In an embodiment of the present invention, the transaction data at least includes basic transaction data and the digital asset data.

本新型一實施例中，尚包括有一數位資產雙讀取卡，該數位資產雙讀取卡設有一第一讀取部及一第二讀取部，該第一讀取部連接該金融帳戶，而該第二讀取部連接該監管帳戶。 In one embodiment of the present invention, there is also a digital asset dual-reading card, which is provided with a first reading part and a second reading part, the first reading part is connected to the financial account, and the second reading part is connected to the regulatory account.

本新型一實施例中，其中該數位資產監管單元設於該金融單元內。 In one embodiment of the present invention, the digital asset supervision unit is located in the financial unit.

本新型一實施例中，其中該數位資產監管單元係與該金融單元相互獨立者。 In one embodiment of the present invention, the digital asset supervision unit is independent of the financial unit.

本新型一實施例中，其中該交易所帳戶是由該使用者直接或透過該金融單元向一數位資產交易所申請而成立。 In an embodiment of the present invention, the exchange account is established by the user applying to a digital asset exchange directly or through the financial unit.

本新型一實施例中，其中該第一讀取部可被一商家的訊號讀取機所讀取，而該第二讀取部則可被一數位資產讀取機所讀取。 In one embodiment of the present invention, the first reading portion can be read by a merchant's signal reader, and the second reading portion can be read by a digital asset reader.

本新型一實施例中，尚包括：當該交易所帳戶內產生該數位資產資料或一交易金額時，該數位資產資料立即傳回並儲存至該監管帳戶，而交易金額則匯回並儲存於該金融帳戶或該監管帳戶，並成為一儲存金額。 In an embodiment of the present invention, it also includes: when the digital asset data or a transaction amount is generated in the exchange account, the digital asset data is immediately transferred back and stored in the regulatory account, and the transaction amount is transferred back and stored in the financial account or the regulatory account and becomes a stored amount.

本新型一實施例中，尚包括：紀錄與該數位資產資料相關的至少一交易資料於一交易紀錄簿，該交易紀錄簿設於該數位資產監管單元。 In an embodiment of the present invention, it also includes: recording at least one transaction data related to the digital asset data in a transaction record book, and the transaction record book is set in the digital asset supervision unit.

本新型一實施例中，尚包括：產生一數位資產雙讀取卡，係由該使用者向該金融單元或該數位資產監管單元申請而產生，該數位資產讀取卡包括有一第一讀取部及一第二讀取部，該第一讀取部連接該金融單元的金融帳戶，而該第二讀取部連接該數位資產監管單元之監管帳戶。 In an embodiment of the present invention, it also includes: generating a digital asset dual-reading card, which is generated by the user applying to the financial unit or the digital asset supervision unit. The digital asset reading card includes a first reading part and a second reading part. The first reading part is connected to the financial account of the financial unit, and the second reading part is connected to the supervision account of the digital asset supervision unit.

本新型一實施例中，尚包括：當該使用者欲購買商品時，可透過該第一讀取部而動用儲存於該金融單元或該第一讀取部的一儲存金額，而該使用者欲交易該數位資產資料時，則可透過該第二讀取部，而啟動該監管帳戶與該數位資產交易所或該個人錢包連接。 In an embodiment of the present invention, it further includes: when the user wants to purchase a product, he can use the first reading unit to use a storage amount stored in the financial unit or the first reading unit, and when the user wants to trade the digital asset data, he can activate the supervision account to connect with the digital asset exchange or the personal wallet through the second reading unit.

本新型一實施例中，其中該金融單元內儲存的該儲存金額不足時，該使用者可透過該第二讀取部及該連網系統而將該監管帳戶內的該數位資產資料傳向該數位資產交易所進行販售，並將販售所得之該交易金額立即匯回金融單元，以補足該儲存金額。 In an embodiment of the present invention, when the deposit amount stored in the financial unit is insufficient, the user can transmit the digital asset data in the custodial account to the digital asset exchange for sale through the second reading unit and the network system, and immediately remit the transaction amount obtained from the sale back to the financial unit to replenish the deposit amount.

本新型一實施例中，其中該數位資產資料係透過該金融單元而進出該監管帳戶。 In an embodiment of the present invention, the digital asset data enters and exits the regulated account through the financial unit.

本新型一實施例中，尚包括：獲得該數位資產資料內的一數位資產數量，由該數位資產監管單元依據該數位資產資料向至少一區塊鏈查詢及計算所得，且該加密貨幣數量可儲存於該交易紀錄簿。 In an embodiment of the present invention, it also includes: obtaining a digital asset quantity in the digital asset data, which is obtained by the digital asset supervision unit querying and calculating at least one blockchain based on the digital asset data, and the amount of the encrypted currency can be stored in the transaction record book.

10:數位資產交易系統 10: Digital asset trading system

11:使用者 11: User

13:金融單元 13: Financial unit

131:金融帳戶 131:Financial accounts

133:儲存金額 133: Savings amount

15:數位資產交易所 15: Digital asset exchange

151:交易所帳戶 151: Exchange Account

153:交易金額 153:Transaction amount

155:數位資產數值 155: Digital asset value

17:個人錢包 17: Personal wallet

173:數位資產資料 173: Digital asset data

175:數位資產地址 175: Digital asset address

177:私鑰 177:Private key

19:區塊鏈 19: Blockchain

20:數位資產管理系統 20: Digital asset management system

21:使用者 21: User

27:個人錢包 27: Personal wallet

29:區塊鏈 29: Blockchain

30:數位資產交易所 30: Digital Asset Exchange

31:交易所帳戶 31: Exchange Account

317:交易所密碼 317:Exchange password

33:交易金額 33: Transaction amount

35:數位資產數值 35: Digital asset value

40:金融單元 40: Financial Unit

41:金融帳戶 41: Financial accounts

415:儲存金額 415: Saving amount

417:金融密碼 417: Financial password

50:數位資產監管單元 50: Digital asset supervision unit

51:監管帳戶 51:Regulatory Accounts

517:監管密碼 517: Supervision password

55:數位資產資料 55: Digital asset data

551:數位資產地址 551: Digital asset address

555:私鑰 555:Private key

57:數位資產數值 57: Digital asset value

59:交易紀錄簿 59: Transaction record book

591:交易資料 591: Transaction data

595:交易基本資料 595: Basic transaction information

60:數位資產雙讀取卡 60: Digital asset dual reader card

61:第一讀取部 61: First reading unit

65:第二讀取部 65: Second reading unit

〔圖1〕係習用數位資產管理系統的構造示意圖。 [Figure 1] is a schematic diagram of the structure of a commonly used digital asset management system.

〔圖2〕係本新型數位資產管理系統一較佳實施例的構造示意圖。 [Figure 2] is a schematic diagram of the structure of a preferred embodiment of the new digital asset management system.

〔圖3〕係本新型數位資產管理方法一較佳實施例的流程圖。 [Figure 3] is a flow chart of a preferred embodiment of the new digital asset management method.

〔圖4〕係本新型數位資產管理系統又一實施例的構造示意圖。 [Figure 4] is a schematic diagram of the structure of another embodiment of the new digital asset management system.

〔圖5〕係本新型數位資產管理方法又一實施例的流程圖。 [Figure 5] is a flow chart of another embodiment of the new digital asset management method.

〔圖6〕係本新型數位資產管理方法又一實施例的流程圖。 [Figure 6] is a flow chart of another embodiment of the novel digital asset management method.

〔圖7〕係本新型數位資產管理方法又一實施例的流程圖。 [Figure 7] is a flow chart of another embodiment of the novel digital asset management method.

〔圖8〕係本新型數位資產管理方法又一實施例的流程圖。 [Figure 8] is a flow chart of another embodiment of the novel digital asset management method.

〔圖9〕係本新型數位資產管理系統又一實施例的構造示意圖。 [Figure 9] is a schematic diagram of the structure of another embodiment of the new digital asset management system.

〔圖10〕係本新型數位資產管理系統又一實施例的構造示意圖。 [Figure 10] is a schematic diagram of the structure of another embodiment of the new digital asset management system.

首先，請參閱圖2，係本新型數位資產管理系統一較佳實施例的構造示意圖。本新型數位資產管理系統20主要係包括有一金融單元40及一數位資產監管單元50。金融單元40內設有至少一金融帳戶41，金融帳戶41內可儲存有一儲存金額415。數位資產監管單元50內設有與該金融帳戶41相對應的一監管帳戶51，監管帳戶51內可儲存有至少一數位資產資料55，每一個數位資產資料55則至少包括有一數位資產地址(public key)551及相對應的一私鑰(private key)555。 First, please refer to Figure 2, which is a schematic diagram of the structure of a preferred embodiment of the new digital asset management system. The new digital asset management system 20 mainly includes a financial unit 40 and a digital asset supervision unit 50. The financial unit 40 is provided with at least one financial account 41, and the financial account 41 can store a storage amount 415. The digital asset supervision unit 50 is provided with a supervision account 51 corresponding to the financial account 41, and the supervision account 51 can store at least one digital asset data 55, and each digital asset data 55 includes at least one digital asset address (public key) 551 and a corresponding private key (private key) 555.

本新型數位資產管理系統20又一實施例中，一使用者21可直接連接數位資產監管單元50的或透過金融單元40而連接數位資產監管單元50，並向數位資產監管單元50申請屬於自己的一監管帳戶51，再將使用者21所擁有的一個人錢包(Personal Wallet)27內的至少一數位資產資料55上傳於相對應的監管帳戶51內。反之，監管帳戶51內的數位資產資料55也可下載於個人錢包27內。 In another embodiment of the novel digital asset management system 20, a user 21 can directly connect to the digital asset supervision unit 50 or connect to the digital asset supervision unit 50 through the financial unit 40, and apply to the digital asset supervision unit 50 for a supervision account 51 belonging to the user 21, and then upload at least one digital asset data 55 in a personal wallet 27 owned by the user 21 to the corresponding supervision account 51. Conversely, the digital asset data 55 in the supervision account 51 can also be downloaded to the personal wallet 27.

個人錢包27內所儲存的數位資產資料55，基本上是從一數位資產交易所或直接從一區塊鏈進行數位資產交易所得。數位資產資料55內同樣包括有數位資產地址551及相對應的私鑰555。 The digital asset data 55 stored in the personal wallet 27 is basically obtained from a digital asset exchange or directly from a blockchain. The digital asset data 55 also includes a digital asset address 551 and a corresponding private key 555.

請參閱圖3，係本新型數位資產管理方法一實施例的流程圖。請同時參閱圖2，本新型數位資產管理方法之步驟如下： Please refer to Figure 3, which is a flow chart of an embodiment of the new digital asset management method. Please also refer to Figure 2, the steps of the new digital asset management method are as follows:

步驟S301，一使用者21可直接連線數位資產監管單元50或透過金融單元40，例如銀行，而連線數位資產監管單元50，並向數位資產監管單元50申請一監管帳戶51，該監管帳戶51係屬於該使用者21。 In step S301, a user 21 can connect to the digital asset supervision unit 50 directly or through a financial unit 40, such as a bank, and apply to the digital asset supervision unit 50 for a supervision account 51, which belongs to the user 21.

步驟S303，使用者21申請或指定在金融單元40內屬於自己的一個金融帳戶41，並建立起所指定金融帳戶41與監管帳戶51的連接及相對應關係。 Step S303, user 21 applies for or specifies a financial account 41 belonging to him/her in the financial unit 40, and establishes a connection and corresponding relationship between the specified financial account 41 and the regulatory account 51.

步驟S305，使用者21將其所擁有之個人錢包27內的數位資產資料55直接或透過金融單元40上傳至監管帳戶51，並在監管帳戶51中儲存。 In step S305, the user 21 uploads the digital asset data 55 in his personal wallet 27 to the custodial account 51 directly or through the financial unit 40, and stores it in the custodial account 51.

換言之，數位資產監管單元50的監管帳戶51就像是另一種型態的個人錢包，只是監管帳戶51的安全性比一般的個人錢包27高太多。由於數位資產監管單元50可為是一政府所屬機關、一金融單元40或一第三公正機關所成立及管理，例如台灣可集中保管股票或證劵之台灣集中保管結算所(Taiwan Depository & Cleaning Corporation)，其內控管理及防止駭客入侵強度都高於一般的數位資產交易所，且也不會突然倒閉關門，更不會像個人錢包27一樣會損壞或遺失。因此，數位資產資料55存放在監管帳戶51中，其安全性可大於個人錢包27或數位資產交易所。 In other words, the custodial account 51 of the digital asset custodial unit 50 is like another type of personal wallet, except that the security of the custodial account 51 is much higher than that of an ordinary personal wallet 27. Since the digital asset custodial unit 50 can be established and managed by a government agency, a financial unit 40 or a third-party fair agency, such as the Taiwan Depository & Cleaning Corporation that can centrally custody stocks or securities in Taiwan, its internal control management and anti-hacker intrusion strength are higher than those of ordinary digital asset exchanges, and it will not suddenly go bankrupt and close down, and it will not be damaged or lost like a personal wallet 27. Therefore, the digital asset data 55 stored in the custodial account 51 can be more secure than a personal wallet 27 or a digital asset exchange.

在本新型又一實施例中，監管帳戶51內的數位資產資料55也可下載轉存於使用者21的個人錢包27。數位資產資料55從監管帳戶51被下載至個人錢包27後，監管帳戶51會記錄其下載資料。 In another embodiment of the present invention, the digital asset data 55 in the supervisory account 51 can also be downloaded and transferred to the personal wallet 27 of the user 21. After the digital asset data 55 is downloaded from the supervisory account 51 to the personal wallet 27, the supervisory account 51 will record the downloaded data.

請參閱圖4，係本新型數位資產管理系統又一實施例的構造示意圖。使用者21可透過金融單元40或直接向一數位資產交易單元30，例如Bitfinex、Binance、Coinbase、Kraken、Bitstamp或Gemini交易所，申請一交易所帳戶31，並致使相關於使用者21之金融帳戶41與交易所帳戶31可線上連接。使用者21所擁有的至少一數位資產資料55可藉由金融單元40而在數位資產交易所30的交易所帳戶31與數位資產監管單元50的監管帳戶51之間進行上傳或下載。數位資產交易所30可連線一區塊鏈29，並在區塊鏈29上進行數位資產數值35(數位資產)之買賣。 Please refer to Figure 4, which is a schematic diagram of the structure of another embodiment of the new digital asset management system. User 21 can apply for an exchange account 31 through a financial unit 40 or directly to a digital asset trading unit 30, such as Bitfinex, Binance, Coinbase, Kraken, Bitstamp or Gemini Exchange, and enable the financial account 41 related to user 21 and the exchange account 31 to be connected online. At least one digital asset data 55 owned by user 21 can be uploaded or downloaded between the exchange account 31 of the digital asset exchange 30 and the regulatory account 51 of the digital asset regulatory unit 50 through the financial unit 40. The digital asset exchange 30 can be connected to a blockchain 29 and conduct the buying and selling of digital asset values 35 (digital assets) on the blockchain 29.

在本新型一實施例中，使用者21在申請金融帳戶41、監管帳戶51及/或交易所帳戶31時，還是必須經過金融單元40、數位資產監管單元50及/或數位資產交易所30的身分驗證，例如反洗錢(AML)及/或知客(KYC)等程序。而使用者21會獲得有關金融帳戶41、監管帳戶51或交易所帳戶31的開啟密碼，例如金融密碼417、監管密碼517或交易所密碼317。金融密碼417、監管密碼517及交易所密碼317都可由使用者21選定密碼內容或隨時更換新密碼。使用者21忘記開啟密碼時，可向金融帳戶41、監管帳戶51或交易所帳戶31洽詢並更新新密碼，做法與現今忘記銀行密碼時做法相同。 In the first embodiment of the present invention, when applying for a financial account 41, a regulatory account 51 and/or an exchange account 31, the user 21 must still undergo identity verification by the financial unit 40, the digital asset regulatory unit 50 and/or the digital asset exchange 30, such as anti-money laundering (AML) and/or know your customer (KYC) procedures. The user 21 will obtain an opening password for the financial account 41, the regulatory account 51 or the exchange account 31, such as a financial password 417, a regulatory password 517 or an exchange password 317. The financial password 417, the regulatory password 517 and the exchange password 317 can all be selected by the user 21 or replaced with a new password at any time. When user 21 forgets the password, he can consult with financial account 41, regulatory account 51 or exchange account 31 and update the new password, which is the same as the current practice when forgetting the bank password.

請參閱圖5，係本新型數位資產管理方法又一實施例的流程圖。其中，步驟S501同前述步驟S301、步驟S503同步驟S303，本新型尚包括有以下步驟： Please refer to Figure 5, which is a flow chart of another embodiment of the new digital asset management method. Among them, step S501 is synchronized with the aforementioned step S301 and step S503. The new method also includes the following steps:

步驟505，使用者21直接或透過金融單元40向數位資產交易所30，例如Bitfinex、Binance、Coinbase、Kraken、Bitstamp或Gemini交易所，申請一交易所帳戶31。金融單元40及/或數位資產交易所30將協助建立起與使用者21相關的金融帳戶41及/或監管帳戶51與交易所帳戶31的線上連接及相對應關係。又，如果使用者21本來在該數位資產交易所30就擁有交易所帳戶31，也可經由使用者21的通知及授權，而由金融單元40及/或數位資產交易所30協商而建立起金融帳戶41與交易所帳戶31的連接及相對應關係。 In step 505, user 21 applies for an exchange account 31 from a digital asset exchange 30, such as Bitfinex, Binance, Coinbase, Kraken, Bitstamp or Gemini Exchange, directly or through a financial unit 40. The financial unit 40 and/or the digital asset exchange 30 will assist in establishing an online connection and a corresponding relationship between the financial account 41 and/or the regulatory account 51 associated with the user 21 and the exchange account 31. In addition, if the user 21 already has an exchange account 31 on the digital asset exchange 30, the connection and a corresponding relationship between the financial account 41 and the exchange account 31 can also be established through the notification and authorization of the user 21 and the negotiation of the financial unit 40 and/or the digital asset exchange 30.

步驟507，如果使用者21之交易所帳戶31內已經儲存有至少一數位資產數值35，則該數位資產數值35將轉換成數位資產資料55，並立即透過金融單元40或直接提交、上傳且儲存至數位資產監管單元50的監管帳戶51內。換言之，當使用者21可指示數位資產交易所30或根據事先協議可直接將數位資產數值35從交易所帳戶31提交時，數位資產交易所30將從其內部資產或從一區塊鏈29實際交易中，轉換同等值的一數位資產資料55，再 提交及上傳至所約定的監管帳戶51。數位資產資料55至少包括有一數位資產地址551及相對應的一私鑰555。數位資產交易所30從其內部資產或從區塊鏈29實際交易及轉換成數位資產資料55的作法，如同圖1所述。 In step 507, if the user 21's exchange account 31 already has at least one digital asset value 35 stored in it, the digital asset value 35 will be converted into digital asset data 55, and immediately submitted, uploaded and stored in the regulatory account 51 of the digital asset regulatory unit 50 through the financial unit 40 or directly. In other words, when the user 21 can instruct the digital asset exchange 30 or can directly submit the digital asset value 35 from the exchange account 31 according to a prior agreement, the digital asset exchange 30 will convert a digital asset data 55 of the same value from its internal assets or from an actual transaction on a blockchain 29, and then submit and upload it to the agreed regulatory account 51. The digital asset data 55 at least includes a digital asset address 551 and a corresponding private key 555. The method by which the digital asset exchange 30 actually trades and converts the digital asset data 55 from its internal assets or from the blockchain 29 is as described in FIG1 .

由於數位資產並非儲存在民間公司之數位資產交易所30，而是立即儲存於數位資產監管單元50的監管帳戶51內，且，數位資產監管單元50又是為一政府所屬機關、一金融單元或一公正第三方機關所成立，例如台灣可集中保管股票或證劵之台灣集中保管結算所(Taiwan Depository & Cleaning Corporation)。再者，數位資產監管單元50也可設計成只連接各個金融單元40的半封閉機構，監管帳戶51內的數位資產資料55只能透過金融單元40或臨櫃才能進出數位資產監管單元50，而非對公眾所有網路都可線上連接。因此，本新型不僅可有效降低駭客攻擊及數位資產交易所內員工盜賣的風險，更可徹底解決數位資產交易所30會突然倒閉的弊端。 Since digital assets are not stored in the digital asset exchange 30 of a private company, but are immediately stored in the custody account 51 of the digital asset custody unit 50, and the digital asset custody unit 50 is established by a government agency, a financial unit or an impartial third-party agency, such as the Taiwan Depository & Cleaning Corporation that can centrally custody stocks or securities in Taiwan. Furthermore, the digital asset custody unit 50 can also be designed as a semi-closed institution that is only connected to each financial unit 40. The digital asset data 55 in the custody account 51 can only enter and exit the digital asset custody unit 50 through the financial unit 40 or the counter, rather than being connected online to all public networks. Therefore, this new model can not only effectively reduce the risk of hacker attacks and employee theft in digital asset exchanges, but also completely solve the problem of sudden collapse of digital asset exchanges.

在本新型一實施例中，使用者21所擁有的交易所帳戶31一旦因為交易而存在有數位資產數值35及/或數位資產資料55，將會主動且立即提交，並透過金融單元40或直接上傳至數位資產監管單元50之監管帳戶51。反之，如果監管帳戶51的數位資產資料55要下載至交易所帳戶31時，則必須由使用者21先啟動數位資產監管單元50的入口網站或應用程式(APP)，並輸入監管密碼517後，才可以按照使用者21操作，將其中一數位資產資料55下載至交易所帳戶31，準備數位資產之販售行為。 In the first embodiment of the present invention, once the exchange account 31 owned by the user 21 has digital asset values 35 and/or digital asset data 55 due to transactions, it will be actively and immediately submitted and uploaded to the supervision account 51 of the digital asset supervision unit 50 through the financial unit 40 or directly. On the contrary, if the digital asset data 55 of the supervision account 51 is to be downloaded to the exchange account 31, the user 21 must first activate the portal website or application (APP) of the digital asset supervision unit 50 and enter the supervision password 517 before the user 21 can follow the operation of the user 21 to download one of the digital asset data 55 to the exchange account 31 and prepare for the sale of digital assets.

請參閱圖6，係為本新型數位資產管理方法又一實施例的流程圖。其中，步驟S601同前述步驟S501、步驟S603同步驟S503、步驟S605同步驟S505，本新型尚包括有以下步驟： Please refer to Figure 6, which is a flow chart of another embodiment of the new digital asset management method. Among them, step S601 is synchronized with the aforementioned step S501, step S603 is synchronized with step S503, and step S605 is synchronized with step S505. The new method also includes the following steps:

S607，如果使用者21所擁有的交易所帳戶31內已經儲存有一交易金額33，則該交易金額33也會立即轉匯至金融單元40之金融帳戶41或數位資產監管單元50之監管帳戶51內，並成為一儲存金額415。 S607, if the exchange account 31 owned by the user 21 already has a transaction amount 33 stored in it, the transaction amount 33 will also be immediately transferred to the financial account 41 of the financial unit 40 or the regulatory account 51 of the digital asset regulatory unit 50 and become a stored amount 415.

在本新型一實施例中，金融帳戶41內的儲存金額415可受使用者21的指示而匯款至交易所帳戶31，並成為一交易金額33，以準備購買數位資產資料55。而購買數位資產資料55後所剩餘的交易金額33、或者是販售數位資產資料55後所獲得的交易金額33、或者是先前就儲存在交易所帳戶31內的交易金額33，也會主動且立即提交及匯款至與使用者21相關之金融帳戶41或監管帳戶51，並成為一儲存金額415。 In the first embodiment of the present invention, the deposit amount 415 in the financial account 41 can be transferred to the exchange account 31 under the instruction of the user 21 and become a transaction amount 33 to prepare for the purchase of digital asset data 55. The remaining transaction amount 33 after the purchase of the digital asset data 55, or the transaction amount 33 obtained after the sale of the digital asset data 55, or the transaction amount 33 previously stored in the exchange account 31, will also be actively and immediately submitted and transferred to the financial account 41 or the regulatory account 51 associated with the user 21, and become a deposit amount 415.

接續，請參閱圖7，係本新型數位資產管理方法又一實施例的流程圖。其中，步驟S701同前述步驟S601、步驟S703同步驟S603、步驟S705圖步驟S605，本新型尚包括有以下步驟： Next, please refer to Figure 7, which is a flow chart of another embodiment of the new digital asset management method. Among them, step S701 is synchronized with the aforementioned step S601, step S703 is synchronized with step S603, and step S705 is synchronized with step S605. The new method also includes the following steps:

步驟S707，當使用者21欲購買數位資產時，使用者21通知金融單元40將所擁有金融帳戶41內的等值儲存金額415匯款至數位資產交易所30之交易所帳戶31，並成為一交易金額33。數位資產交易所30將交易金額33透過區塊鏈29對外購買或直接由其內部資料庫直接轉換出數位資產數值35，數位資產數值35將直接是以一數位資產資料55存在，包括有相對應的數位資產地址551及私鑰555。 Step S707, when user 21 wants to purchase digital assets, user 21 notifies financial unit 40 to transfer the equivalent deposit amount 415 in financial account 41 to exchange account 31 of digital asset exchange 30, and it becomes a transaction amount 33. Digital asset exchange 30 purchases the transaction amount 33 externally through blockchain 29 or directly converts it into digital asset value 35 from its internal database. Digital asset value 35 will directly exist as a digital asset data 55, including the corresponding digital asset address 551 and private key 555.

步驟S709，所購得之數位資產資料55將不停放及儲存於交易所帳戶31，而是直接下載並上傳至數位資產監管單元50的監管帳戶51內。 In step S709, the purchased digital asset data 55 will not be stored in the exchange account 31, but will be directly downloaded and uploaded to the supervision account 51 of the digital asset supervision unit 50.

當然，數位資產資料55在不同實施例中，係可由數位資產交易所30直接連線數位資產監管單元50，或是數位資產交易所30透過金融單元40而連線數位資產監管單元50，交易所帳戶31的數位資產資料55都可立即上傳至監管帳戶51中儲存。同時間，剩餘的交易金額33也是立即轉匯至金融單元40的金融帳戶41或數位資產監管單元50的監管帳戶51。 Of course, in different embodiments, the digital asset data 55 can be directly connected to the digital asset supervision unit 50 by the digital asset exchange 30, or the digital asset exchange 30 can be connected to the digital asset supervision unit 50 through the financial unit 40, and the digital asset data 55 of the exchange account 31 can be immediately uploaded to the supervision account 51 for storage. At the same time, the remaining transaction amount 33 is also immediately transferred to the financial account 41 of the financial unit 40 or the supervision account 51 of the digital asset supervision unit 50.

請參閱圖8，係本新型數位資產管理方法又一實施例的流程圖。其中，步驟S801同前述步驟S701、步驟S803同步驟S703、步驟S805圖步驟S705，本新型尚包括有以下步驟： Please refer to Figure 8, which is a flow chart of another embodiment of the new digital asset management method. Among them, step S801 is synchronized with the aforementioned step S701, step S803 is synchronized with step S703, and step S805 is synchronized with step S705. The new method also includes the following steps:

步驟S807，當使用者21欲拋售數位資產(數位資產資料55)時，使用者21將透過金融單元40或直接(例如通過數位資產監管單元50之APP)通知數位資產監管單元50把欲拋售之數位資產地址551及數位資產數值(枚數)35透過金融單元40傳至數位資產交易所30之交易所帳戶31內。當數位資產交易所30透過區塊鏈29或其內部轉帳而達成交易協議後，使用者21再將其相對應的私鑰555傳給數位資產交易所30，以完成數位資產資料55之拋售。 Step S807, when user 21 wants to sell digital assets (digital asset data 55), user 21 will notify digital asset supervision unit 50 through financial unit 40 or directly (for example, through the APP of digital asset supervision unit 50) to transmit the digital asset address 551 and digital asset value (number) 35 to be sold to the exchange account 31 of digital asset exchange 30 through financial unit 40. After digital asset exchange 30 reaches a transaction agreement through blockchain 29 or its internal transfer, user 21 will then transmit the corresponding private key 555 to digital asset exchange 30 to complete the sale of digital asset data 55.

步驟S809，數位資產交易所30完成數位資產資料55之拋售而所得之交易金額33，將不停放或儲存於交易所帳戶31，而是立即匯款至金融單元40的金融帳戶41或數位資產監管單元50之監管帳戶51，並成為一儲存金額415。 In step S809, the transaction amount 33 obtained by the digital asset exchange 30 from completing the sale of the digital asset data 55 will not be parked or stored in the exchange account 31, but will be immediately transferred to the financial account 41 of the financial unit 40 or the regulatory account 51 of the digital asset regulatory unit 50 and become a deposit amount 415.

另外，請參閱圖9，係為本新型數位資產之管理系統又一實施例的構造示意圖。本新型數位資產監管單元50內設有一交易紀錄簿59，交易紀錄簿59內可記錄並儲存有每一個監管帳戶51每一次的交易資料591。交易資料591可包括但不限係為一交易基本資料595及數位資產資料55。交易基本資料595可包括有一交易日期、一交易金額(33)、一金融單元名稱(40)、一金融帳戶(41)、一數位資產交易所名稱(30)及/或一交易所帳戶(31)等。數位資產資料55則包括有數位資產地址551及私鑰555。 In addition, please refer to Figure 9, which is a schematic diagram of the structure of another embodiment of the management system of the new digital asset. The new digital asset supervision unit 50 is provided with a transaction record book 59, and the transaction record book 59 can record and store each transaction data 591 of each supervision account 51. The transaction data 591 may include but is not limited to a basic transaction data 595 and digital asset data 55. The basic transaction data 595 may include a transaction date, a transaction amount (33), a financial unit name (40), a financial account (41), a digital asset exchange name (30) and/or an exchange account (31), etc. The digital asset data 55 includes a digital asset address 551 and a private key 555.

由於本新型的數位資產監管單元50可記錄並儲存有監管帳戶51內的數位資產地址551及私鑰555，因此，使用者21如果忘記私鑰555時，可向數位資產監管單元50申請詢問與一數位資產地址551相對應的私鑰555，藉此就可避免使用者21因為遺失私鑰555而讓數位資產資料55無法再交易的憾事發生。 Since the digital asset management unit 50 of the present invention can record and store the digital asset address 551 and the private key 555 in the management account 51, if the user 21 forgets the private key 555, he can apply to the digital asset management unit 50 to inquire about the private key 555 corresponding to the digital asset address 551, thereby avoiding the unfortunate situation that the user 21 can no longer trade the digital asset data 55 due to the loss of the private key 555.

在本新型一實施例中，數位資產監管單元50的交易紀錄簿59的交易資料591也可計算並記錄每次交易後的一數位資產數值57，例如加密 貨幣枚數。由數位資產監管單元50根據該數位資產資料55的數位資產地址551而向區塊鏈29查詢及計算所得，且該數位資產數值57可儲存於該交易紀錄簿59。 In an embodiment of the present invention, the transaction data 591 of the transaction record book 59 of the digital asset supervision unit 50 can also calculate and record a digital asset value 57 after each transaction, such as the number of cryptocurrencies. The digital asset supervision unit 50 queries and calculates the digital asset value 57 from the blockchain 29 based on the digital asset address 551 of the digital asset data 55, and the digital asset value 57 can be stored in the transaction record book 59.

本新型的數位資產監管單元50可為一獨立於金融單元40的獨立公正第三方機關或政府機構。但在本新型又一實施例中，數位資產監管單元50也可為金融單元40的一部門，換言之，數位資產監管單元50係設於金融單元40內。 The digital asset supervision unit 50 of the present invention may be an independent and impartial third-party agency or government agency independent of the financial unit 40. However, in another embodiment of the present invention, the digital asset supervision unit 50 may also be a part of the financial unit 40. In other words, the digital asset supervision unit 50 is located in the financial unit 40.

請參閱圖10，係為本新型數位資產之管理系統又一實施例的構造示意圖。當使用者21透過金融單元40而向數位資產監管單元50申請監管帳戶51時，金融單元40將透過申請而產生出一數位資產雙讀取卡60，數位資產雙讀取卡60可提供使用者21所使用。數位資產雙讀取卡60包括有一第一讀取部61及一第二讀取部65，其中第一讀取部61可連接金融單元40的金融帳戶41，而第二讀取部65則可連接數位資產監管單元50的監管帳戶51。第一讀取部61及第二讀取部65可分別但不限係為一磁條、一晶片、一高頻電子標籤(HF Electronic Tag)、一近場通訊標籤(NFC Tag)及/或一超高頻電子標籤(UHF Electronic Tag)。 Please refer to FIG. 10 , which is a schematic diagram of another embodiment of the management system of the new digital asset. When the user 21 applies for a supervision account 51 from the digital asset supervision unit 50 through the financial unit 40, the financial unit 40 will generate a digital asset dual-access card 60 through the application, and the digital asset dual-access card 60 can be provided to the user 21. The digital asset dual-access card 60 includes a first reading part 61 and a second reading part 65, wherein the first reading part 61 can be connected to the financial account 41 of the financial unit 40, and the second reading part 65 can be connected to the supervision account 51 of the digital asset supervision unit 50. The first reading unit 61 and the second reading unit 65 can be, but are not limited to, a magnetic stripe, a chip, a high frequency electronic tag (HF Electronic Tag), a near field communication tag (NFC Tag) and/or an ultra high frequency electronic tag (UHF Electronic Tag).

以第一讀取部61為高頻電子標籤及第二讀取部65為超高頻電子標籤為例。第一讀取部61內也可儲存有儲存金額415，。當使用者21欲小額購物時，可手持數位資產雙讀取卡60接近商品賣家的訊號讀取機，並利用第一讀取部61被商家的訊號讀取機所讀取，可直接從第一讀取部61的儲存金額415或即時連接金融帳戶41的儲存金額415來扣除商品款項。 For example, the first reading unit 61 is a high frequency electronic tag and the second reading unit 65 is an ultra-high frequency electronic tag. The first reading unit 61 can also store a stored amount 415. When the user 21 wants to make a small purchase, he can hold the digital asset dual reading card 60 close to the signal reader of the commodity seller, and use the first reading unit 61 to be read by the merchant's signal reader. The commodity payment can be deducted directly from the stored amount 415 of the first reading unit 61 or the stored amount 415 of the instantly connected financial account 41.

當購物金額超過第一讀取部61內的儲存金額415或金融帳戶41內的儲存金額415時，使用者21可即時利用一電腦或一通訊裝置等連網系統以連接數位資產監管單元50，並利用數位資產雙讀取卡60的第二讀取部65被電腦系統或通訊裝置的應用程式(APP)來讀取，以進行身分辨識及快速 啟動，而可將監管帳戶51的數位資產資料55傳送到交易所帳戶31，進行數位資產資料55之拋售。拋售數位資產資料55所換取之交易金額33，則立即匯回金融單元40的金融帳戶41內，以成為儲存金額415。再直接由金融帳戶41內的儲存金額415，或將金融帳戶41內的儲存金額415轉到數位資產雙讀取卡60的第一讀取部61，即時補足儲存金額415來支付商品款項。 When the purchase amount exceeds the storage amount 415 in the first reading section 61 or the storage amount 415 in the financial account 41, the user 21 can immediately use a computer or a communication device or other network system to connect to the digital asset management unit 50, and use the second reading section 65 of the digital asset dual reading card 60 to be read by the computer system or the application (APP) of the communication device to perform identity recognition and quick start, and the digital asset data 55 of the management account 51 can be transmitted to the exchange account 31 to sell the digital asset data 55. The transaction amount 33 obtained by selling the digital asset data 55 is immediately transferred back to the financial account 41 of the financial unit 40 to become the stored amount 415. The stored amount 415 in the financial account 41 is then directly transferred to the first reading unit 61 of the digital asset dual reading card 60, or the stored amount 415 in the financial account 41 is transferred to the first reading unit 61 of the digital asset dual reading card 60 to replenish the stored amount 415 immediately to pay for the goods.

數位資產雙讀取卡60的第一讀取部61也可以選擇是晶片或磁條，而第二讀取部65則為高頻電子標籤或進場通訊標籤。各種組合，都可以本新型近端可支付商品款項，遠端可進行數位資產買賣之目的。 The first reading part 61 of the digital asset dual-reading card 60 can also be a chip or a magnetic stripe, and the second reading part 65 can be a high-frequency electronic tag or an entry communication tag. Various combinations can achieve the purpose of the new type of near-end payment of goods and remote digital asset trading.

另外，使用者21也可以透過數位資產雙讀取卡60的第二讀取部65直接刷卡販售數位資產數值57及/或數位資產資料55。使用者21手持數位資產雙讀取卡60被一商家的數位資產讀取機時，第二讀取部65可直接啟動數位資產監管單元50之監管帳戶51，而使用者21輸入監管帳戶51之監管密碼517，直接輸入欲被扣除數位資產數值57及/或數位資產資料55，或授權商家的數位資產讀取機直接操作申請並扣除數位資產數值57及/或數位資產資料55。如此欲扣除的數位資產數值57及/或數位資產資料55及可轉換至商家的數位資產讀取機中。 In addition, the user 21 can also directly swipe the second reading unit 65 of the digital asset dual-reading card 60 to sell the digital asset value 57 and/or the digital asset data 55. When the user 21 holds the digital asset dual-reading card 60 and passes it to a merchant's digital asset reader, the second reading unit 65 can directly activate the supervision account 51 of the digital asset supervision unit 50, and the user 21 enters the supervision password 517 of the supervision account 51, directly enters the digital asset value 57 and/or the digital asset data 55 to be deducted, or authorizes the merchant's digital asset reader to directly operate and apply for and deduct the digital asset value 57 and/or the digital asset data 55. The digital asset value 57 and/or digital asset data 55 to be deducted can be transferred to the merchant’s digital asset reader.

當然，如果監管帳戶51內的數位資產資料55不足欲轉換的數位資產數值57時，第一讀取部61或金融帳戶41的儲存金額415也可立即匯款至數位資產交易所30的交易所帳戶31，立即購買數位資產數值35，並傳回監管帳戶51或商家的數位資產讀取機。 Of course, if the digital asset data 55 in the custodial account 51 is insufficient for the digital asset value 57 to be converted, the first reading unit 61 or the storage amount 415 of the financial account 41 can also be immediately transferred to the exchange account 31 of the digital asset exchange 30, and the digital asset value 35 can be immediately purchased and sent back to the custodial account 51 or the merchant's digital asset reading machine.

本新型上述所稱的數位資產可例如但不限係為如比特幣(Bitcoin)、以太坊(Ethereum)、萊特幣(Litecoin)等加密貨幣(Cryptocurrency)，也可包括如中央銀行數位貨幣(CBDCs)、穩定幣(Stablecoins)等數位貨幣(Digital Currencies)或如數位藝術品或數位娛樂等非同質代幣(NFT)。 The digital assets mentioned above in this new technology may be, for example but not limited to, cryptocurrencies such as Bitcoin, Ethereum, Litecoin, etc., and may also include digital currencies such as central bank digital currencies (CBDCs), stablecoins, or non-fungible tokens (NFTs) such as digital art or digital entertainment.

以上所述者，僅為本新型之一較佳實施例而已，並非用來限定本新型實施之範圍，即凡依本新型申請專利範圍所述之形狀、構造、特徵及精神所為之均等變化與修飾，均應包括於本新型之申請專利範圍內。 The above is only a preferred embodiment of the present invention and is not intended to limit the scope of implementation of the present invention. All equivalent changes and modifications made according to the shape, structure, features and spirit described in the scope of the patent application of the present invention should be included in the scope of the patent application of the present invention.

20:數位資產管理系統 20: Digital asset management system

21:使用者 21: User

27:個人錢包 27: Personal wallet

29:區塊鏈 29: Blockchain

30:數位資產交易所 30: Digital Asset Exchange

31:交易所帳戶 31: Exchange Account

317:交易所密碼 317:Exchange password

33:交易金額 33: Transaction amount

35:數位資產數值 35: Digital asset value

40:金融單元 40: Financial Unit

41:金融帳戶 41: Financial accounts

415:儲存金額 415: Saving amount

417:金融密碼 417: Financial password

50:數位資產監管單元 50: Digital asset supervision unit

51:監管帳戶 51:Regulatory Accounts

517:監管密碼 517: Supervision password

55:數位資產資料 55: Digital asset data

551:數位資產地址 551: Digital asset address

555:私鑰 555:Private key

Claims (8)

一種數位資產之管理系統，包括有：一金融單元，設有一金融帳戶，該金融帳戶可連接一個人錢包或設於一數位資產交易所的一交易所帳戶；及一數位資產監管單元，連接該金融單元，設有一與該金融帳戶相對應的監管帳戶，該監管帳戶內儲存有至少一數位資產資料，而該數位資產資料包括有一數位資產地址及一相對應的私鑰。 A digital asset management system includes: a financial unit having a financial account, which can be connected to a personal wallet or an exchange account in a digital asset exchange; and a digital asset supervision unit, which is connected to the financial unit and has a supervision account corresponding to the financial account, wherein at least one digital asset data is stored in the supervision account, and the digital asset data includes a digital asset address and a corresponding private key. 如請求項1所述之管理系統，其中該金融帳戶或該監管帳戶內儲存有一儲存金額。 A management system as described in claim 1, wherein a deposit amount is stored in the financial account or the regulatory account. 如請求項1所述之管理系統，其中該數位資產監管單元設有一交易紀錄簿，該交易紀錄簿內記載有與該數位資產資料相對應的至少一交易資料。 A management system as described in claim 1, wherein the digital asset management unit is provided with a transaction record book, and the transaction record book contains at least one transaction data corresponding to the digital asset data. 如請求項3所述之管理系統，其中該交易資料至少包括有一交易基本資料及該數位資產資料。 A management system as described in claim 3, wherein the transaction data at least includes basic transaction data and the digital asset data. 如請求項1所述之管理系統，尚包括有一數位資產雙讀取卡，該數位資產雙讀取卡設有一第一讀取部及一第二讀取部，該第一讀取部連接該金融帳戶，而該第二讀取部連接該監管帳戶。 The management system as described in claim 1 also includes a digital asset dual-reading card, which has a first reading part and a second reading part, the first reading part is connected to the financial account, and the second reading part is connected to the regulatory account. 如請求項1所述之管理系統，其中該數位資產監管單元設於該金融單元內。 A management system as described in claim 1, wherein the digital asset management unit is located in the financial unit. 如請求項1所述之管理系統，其中該數位資產監管單元係與該金融單元相互獨立者。 A management system as described in claim 1, wherein the digital asset management unit is independent of the financial unit. 如請求項5所述之管理系統，其中該第一讀取部可被一訊號讀取機所讀取，而該第二讀取部則可被一數位資產讀取機所讀取。 A management system as described in claim 5, wherein the first reading portion can be read by a signal reader, and the second reading portion can be read by a digital asset reader.

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