JP6745835B2 - Virtual currency clearing system - Google Patents

Description

The present invention relates to a platform (system) for performing clearing (clearing) of virtual currency between virtual currency exchange companies. More specifically, the present invention relates to a virtual currency clearing system that clears virtual currency by using information on virtual currency that is protected by trust from a virtual currency exchange company.

Since the advent of Bitcoin in 2009, investment funds have flowed into the virtual currency market such as Bitcoin. The market scale continues to expand, with more than 1000 types of virtual currencies, and the top 5 virtual currencies are around 10 trillion yen, although the market price fluctuations are large. According to trial calculations, this market size is also expected to expand to 67 trillion yen. Furthermore, since 2014, when the cryptocurrency exchange operator BitFlyer opened the first cryptocurrency exchange in Japan, the number of cryptocurrency exchange operators in Japan has continued to increase. The number of virtual currency transactions on the virtual currency exchange is increasing as new entry into the virtual currency exchange business of securities companies and the like continues.

In addition, in response to the expansion of the virtual currency market, an invention relating to virtual currency has been proposed in Japanese Unexamined Patent Application Publication No. 2017-59163 (system for smoothly sending virtual currency).

JP, 2017-59163, A

As a result of the increase in the transaction amount of virtual currency in this way, a market of inter-dealer transaction (BtoB) is formed between virtual currency exchange traders. The virtual currency exchange companies that compose such a market can be classified into pure agency type, externally procured type, and self-procured type.

A pure agency type exchange company is a type that does not have a virtual currency account on its own account and is specialized in ordering to other companies. Pure agency type exchanges are currently on the virtual currency demand side and do not have their own inventory. However, the pure agency type exchange company has no means to start the service without going through its own inventory. Furthermore, each supplier has the cost of depositing legal tender money in advance, which causes credit risk and lowers financial efficiency.

An externally procured exchange company is a type of procuring virtual currency from an external exchange when a user's virtual currency buy order exceeds his or her own inventory. Externally procured exchanges are on the virtual currency demand side. An externally procured exchange company needs to accumulate a fixed amount of legal currency in advance for each virtual currency supplier, which may cause credit risk to the virtual currency supplier. In addition, if the legal currency is loaded in advance in this way, there is a possibility that the financial efficiency will deteriorate. In addition, a fee is charged for each remittance when procuring virtual currency.

A self-procurement type exchange company is a type in which virtual currency can be procured through a business format other than the exchange operated by the company (mining or settlement of virtual currency). Self-funding exchanges are on the virtual currency supply side. Self-procured exchanges have limited ways to turn cryptocurrencies they acquire through mining or settlement services into fiat currencies and are missing the possibility of exchanging even higher prices.

As described above, when trading between virtual currency exchange companies, legal currency must be loaded in advance for each exchange company, and a remittance fee for remitting virtual currency is incurred each time.

Therefore, an object of the present invention is to provide a virtual currency clearing system capable of improving the convenience of trading virtual currency between virtual currency exchange companies.

The virtual currency clearing system of the present invention is configured as follows.
(Aspect 1) A virtual currency clearing system connected to a plurality of virtual currency exchange trader servers and a public block chain (PBC), wherein the virtual currency clearing system is the plurality of virtual currency exchange traders A security or storage wallet for maintaining or storing virtual currency moved from a server via the PBC, virtual currency information set for each of the plurality of virtual currency exchange agent servers, and the plurality of virtual currency exchange agent servers And a clearing server for inquiring and/or updating the legal currency information set for each, and the virtual currency clearing system according to a virtual currency transaction contract between the virtual currency exchange trader servers, wherein without moving the virtual currency in PBC, updates the virtual currency information及beauty before notation constant currency information, virtual money clearing system.

(Aspect 2) In the virtual currency clearing system according to aspect 1, the virtual currency clearing system includes a consortium block chain (CBC) for updating the virtual currency information and/or the legal currency information. A virtual currency clearing system.
(Aspect 3) The virtual currency clearing system according to aspect 2, wherein the CBC executes a smart contract for updating the virtual currency information and the legal currency information.
(Aspect 4) In the virtual currency clearing system according to aspect 3, the plurality of management entities and/or the plurality of participants of the CBC are at least one of the plurality of virtual currency exchange trader servers and the virtual currency clearing system. A virtual currency clearing system, including one.

(Aspect 5) In the virtual currency clearing system according to any one of aspects 1 to 4, the virtual currency clearing system is a clearing server for updating the virtual currency information and/or the legal currency information. A virtual currency clearing system.
(Aspect 6) In the virtual currency clearing system according to any one of aspects 1 to 5, the virtual currency clearing system updates the legal currency information on condition that the virtual currency information is updated. , Virtual currency clearing system.
(Aspect 7) In the virtual currency clearing system according to any one of aspects 1 to 6, the virtual currency clearing system includes a plurality of legal tender currencies corresponding to each of the plurality of virtual currency exchange trader servers. A virtual currency clearing system comprising an account, wherein legal currency is transferred between the plurality of conservation fiat currency accounts according to the virtual currency transaction.
(Aspect 8) In the virtual currency clearing system according to aspect 7, a virtual currency clearing system in which the transfer of the legal currency between the plurality of legal fiat currency accounts for conservation is executed by an accounting system.

(Aspect 9) In the virtual currency clearing system according to any one of aspects 1 to 8, the virtual currency clearing system includes a plurality of databases corresponding to the plurality of virtual currency exchange trader servers, respectively. Virtual currency clearing system.
(Aspect 10) In the virtual currency clearing system according to aspect 9 , each of the plurality of databases manages the virtual currency of the customer deposit of the virtual currency exchange server, and the virtual deposit exchange management database. A virtual currency clearing system including a self-inventory management database that manages a server's self-inventory.

(Aspect 11) In the virtual currency clearing system according to any one of aspects 1 to 10, the virtual currency clearing system is moved from the plurality of virtual currency exchange trader servers before the virtual currency transaction. A virtual currency clearing system that preserves or stores the virtual currency in the conservation or storage wallet.
(Aspect 12) In the virtual currency clearing system according to aspect 11, in the virtual currency transaction, when the virtual currency secured or stored in the conservation or storage wallet is insufficient, the virtual currency clearing system is A virtual currency clearing system for transmitting an additional trust request for virtual currency to at least one of the plurality of virtual currency exchange trader servers.

(Aspect 13) In the virtual currency clearing system according to any one of Aspects 1 to 12,
Prior to the virtual currency transaction, the virtual currency clearing system preserves or stores the legal currency transferred from the plurality of virtual currency exchange trader servers in a legal currency account in which funds can be transferred by an accounting system. , Virtual currency clearing system.
(Aspect 14) In the virtual currency clearing system according to aspect 13, the virtual currency clearing system, when the virtual currency clearing system is insufficient for the legal currency preserved or stored in the fiat currency account during the virtual currency transaction, A virtual currency clearing system that sends an additional trust request for legal currency to a virtual currency exchange server associated with a currency account.
(Aspect 15) In the virtual currency clearing system according to any one of Aspects 1 to 14,
The virtual currency clearing system, wherein the virtual currency information and/or the legal currency information includes increase/decrease information of the virtual currency and/or the legal currency related to the virtual currency transaction.

The present invention can perform clearing based on the contract result of a virtual currency transaction separately performed without moving the virtual currency in a state where the virtual currency moved from the virtual currency exchange company is preserved or stored. The convenience of transactions can be improved.

1 is a network diagram including a virtual currency clearing system according to a first exemplary embodiment of the present invention. It is a network diagram containing the virtual currency clearing system which concerns on the 2nd Embodiment of this invention. 3 is a first flowchart of inter-exchange trader trading using the network of FIG. 2. It is a 2nd flowchart of the trade between traders using the network of FIG.

A virtual currency clearing system according to each embodiment of the present invention will be described with reference to the drawings. The virtual currency in each embodiment will be described using Bitcoin (BTC), but the virtual currency is not limited to this. For example, other virtual currencies include Ether used in Ethereum, RippleLabs, INC. The ripple and the like provided by can be used. In addition, in each embodiment, the same parts will be described with the same reference numerals. In the present invention, the term "address" means a virtual currency address such as a BTC address.

(First embodiment)
A network including a virtual currency clearing system 100 according to the first embodiment of the present invention is shown in FIG. In FIG. 1, the virtual currency clearing system 100 is communicably connected to an exchange agent A server 200 managed by a virtual currency exchange agent A and an exchange agent B server 300 managed by a virtual currency exchange agent B. The virtual currency clearing system 100 is further communicatively connected to a public block chain (PBC) 500.

Exchanger A server 200 includes A customer deposit management database 210 that manages customer (user) deposit BTC, A inventory database 220 that manages exchange agent A's own inventory BTC, and exchange agent A wallet that holds BTC. (Not shown). The exchange company A server 200 is communicably connected to a communication terminal device 230a of a user (buying) who buys BTC and/or a communication terminal device 230b of a user (selling) who sells BTC. Exchanger B server 300 includes B customer deposit management database 310 that manages customer (user) deposit BTC, B inventory database 320 that manages own inventory BTC, and exchange B wallet (not shown) that holds BTC. Have and. The exchange company B server 300 is communicably connected to a communication terminal device 330a of a user (sale) who sells BTC and/or a communication terminal device 330b of a user (buy) who buys BTC. The user terminal device is a smartphone, a personal computer, or the like, and the user terminal device can pay cash to the server 200 or 300 to purchase the BTC by using a payment function such as a credit card. In addition, the user terminal device can sell the BTC deposited in the server 200 or 300 and receive a cash deposit in a designated bank account or the like.

The virtual currency clearing system 100, for the exchange company A, the A customer deposit management database 120 corresponding to the A customer deposit management database 210, the A inventory database 122 corresponding to the A inventory database 220, and the transfer of legal currency funds. A legal fiat currency account 124 for A preservation is provided. The A customer deposit management database 120 is a database that manages the customer deposit BTC of the exchange agent A for each customer, and the A inventory database 122 is a database that manages the exchange agent A's own inventory. The A customer deposit management database 210 and the A inventory database 220 of the exchange A server 200 may be synchronized with the A customer deposit management database 120 and the A inventory database 122 of the virtual currency clearing system 100 at predetermined intervals. it can.

Alternatively, the exchange company A server 200 does not include the A customer deposit management database 210 and the A inventory database 220, and the contents of the A customer deposit management database 120 and the A inventory database 122 are managed by the A customer deposit management. It can be used and/or displayed as database 210 and A inventory database 220. The virtual currency clearing system 100 rewrites the BTC value of the A customer deposit management database 120 and the BTC value of the A inventory database 122 according to the BTC selling and buying of the customer of the exchange company A. Further, the virtual currency clearing system 100 executes the transfer of funds to the A-conservation legal currency account 124 according to the BTC selling/buying (changes in the values of the databases 120 and 122) of the customer of the exchange company A.

The virtual currency clearing system 100, for the exchange B, the B customer deposit management database 130 corresponding to the B customer deposit management database 310, the B inventory database 132 corresponding to the B inventory database 320, and the transfer of legal currency funds. And a fiat currency account 134 for B preservation that enables the following. The B customer deposit management database 130 is a database that manages the customer deposit BTC of the exchange B for each customer, and the B inventory database 132 is a database that manages the own inventory of the exchange B. The B customer deposit management database 310 and the A inventory database 320 of the exchange company B server 300 can be synchronized with the B customer deposit management database 130 and the B inventory database 132 of the virtual currency clearing system 100 at predetermined intervals. it can.

Alternatively, the exchange company B server 300 does not include the B customer deposit management database 310 and the A inventory database 320, and the contents of the B customer deposit management database 130 and the B inventory database 132 are managed by the B customer deposit management. It can be used and/or displayed as database 310 and B inventory database 320. The virtual currency clearing system 100 rewrites the BTC value of the B customer deposit management database 130 and the BTC value of the B inventory database 132 according to the BTC selling and buying of the customer of the exchange company A. Further, the virtual currency clearing system 100 executes the transfer of funds to the B conservation fiat currency account 134 in accordance with the BTC selling and buying (changes in the values of the databases 130 and 132) of the customer of the exchange company B. In the virtual currency clearing 100, each database can be provided in the clearing server 150. In the virtual currency clearing system 100, the A-conservation legal currency account 124 and the B-conservation legal currency account 134 used for transferring funds can be provided in the accounting system server 160. The accounting system server 160 is a server for operating the accounting system. The accounting system is a business system that executes account processing such as balance management of accounts and loans, interest calculation for deposit amounts and loan amounts, and may include Internet banking and ATM networks. Further, the accounting system server 160 can include an Internet banking server and an ATM network server.

The virtual currency clearing system 100 includes a maintenance hot wallet (not shown) and a maintenance cold wallet (not shown) that can be connected to and disconnected from the maintenance hot wallet. Hereinafter, the term “wallet for maintenance” means a hot wallet for maintenance and/or a cold wallet for maintenance. The virtual currency clearing system 100 is connected to the PBC 500 and has an address 140 under the trust property of the BTC under the trust property. The BTC under the trust property is a BTC that the virtual currency clearing system 100 manages with a conservation wallet, and is a BTC entrusted with management (trust conservation) by the exchange company A and/or the exchange company B.

Further, the exchange company A server 200 has the exchange company A address 240 for the BTC owned by the exchange company A, and the exchange company B server 300 has the company B address 340 for the BTC owned by the exchange company B. The BTC transaction record is shared by the PBC 500 for the trust property address 140, the trader A address 240, and the trader B address 340. Some of the BTCs owned by the exchange company A and the exchange company B are moved to the trust property address (entity) 140 via the PBC 500 in advance, and the trust is protected by the protection wallet of the virtual currency clearing system 100. In each embodiment, the PBC 500 is used to transfer virtual currency (entity).

The operation of each unit in the network of FIG. 1 will be described. First, the exchange A server 200 side will be described. In step S101a, a BTC buy order command is transmitted from the user (buy) terminal device 230a to the exchange company A server 200. In step S101b, a BTC sell order command is transmitted from the terminal device 230b of the user (sale) to the exchange company A server 200. In step S101c, the exchange A server 200 adds the value of the sell order from the terminal device 230a and the value of the buy order from the terminal device 230b, and the value of the BTC buy order exceeds the value of the sell order, and If the value exceeded exceeds the own inventory, the process proceeds to the inter-exchange trader in step S103. In step S101c, if the value of the BTC buy order matches the value of the sell order, or if the value of the oversell is in the self-inventory, the exchange agent A server 200 determines whether the BTC is bought or sold in the exchange agent A server 200. Since it is satisfied, the BTC is bought and sold in the exchange A server 200 without proceeding to step S103.

Next, the exchange B server 300 side will be described. In step S102a, a BTC sell order command is transmitted from the terminal device 330a of the user (sale) to the exchange company B server 300. In step S102b, a BTC buy order command is transmitted from the user (buy) terminal device 330b to the exchange company B server 300. In step S102c, the trader B server 300 adds up the value of the sell order from the terminal device 330a and the value of the buy order from the terminal device 330b, and when the value of the BTC sell order exceeds the value of the buy order, The process proceeds to the inter-exchange trader in step S103.

In step S103, the exchange trader A server 200 transmits the value of the buy order to the exchange trader B server 300, and the exchange trader B server 200 sends the value of the sell order to the exchange trader for trading between the exchange traders. B server 300. When the value of the sell order and the value of the buy order match and the exchange trader A server 200 determines that the trading contract is established, a contract result notification is transmitted to the clearing system 100 in step S104A. Similarly, when the value of the sell order matches the value of the buy order and the exchange B server 300 determines that the trading contract is established, the contract result notification is transmitted to the virtual currency clearing system 100 in step S104B.

In step S101c, the distributor A server 200 refers to the A self-inventory database 220 (122) to determine whether the purchase order quantity exceeds the BTC own inventory. If the purchase order quantity exceeds the BTC's own inventory, the exchange agent A server 200 purchases the exchange agent A from the exchange agent B to the exchange agent B server 300 for inter-exchange agent transaction in step S103. Submit the desired quantity of BTC. In step S103, the exchange company B server 300 refers to the B self-inventory database 230 (132) so that the quantity of the BTC to be purchased transmitted from the exchange company A is within the quantity of the BTC to sell of the exchange company B. Determine if there is. If it is within the quantity of the BTC desired to be sold by the exchange company B, the exchange company B server 300 notifies the exchange company B server 200 that the BTC can be sold for inter-exchange company sale and purchase in step S103B. To do.

Exchanger A server 200 transmits a contract result notification (confirmation or non-confirmation of contract) regarding inter-exchanger trading to virtual currency clearing system 100 in step S104A. Exchanger B server 300 transmits a contract result notification regarding the inter-exchanger transaction to virtual currency clearing system 100 in step S104B.

The virtual currency clearing system 100, in accordance with the received contract result notification regarding inter-exchange trader, in step S105, sets the data according to the contract result notification to each data recorded in each of the databases 122, 123, 130, and 132. Rewrite. In step S106, the virtual currency clearing system 100 increases the increase value of the A inventory database 122 according to the value of the BTC buy order, and decreases the decrease value of the B inventory database 132 according to the value of the BTC sell order. , Is sent from the A-conservation legal currency account 124 to the B-conservation legal currency account 134 using the accounting system. Note that steps S105 and S106 can be DVP (Delivery Versus Payment). Specifically, the BTC name transfer (Delivery) by rewriting the databases 120 and 130 in step S105 and the payment of payment (Payment) in step S106 are mutually conditioned, and unless one is performed, the other is also It can be prevented.

According to the first embodiment of the present invention, when performing BTC trading between exchanges, by using the virtual currency clearing system 100, it is possible to manage trust-protected BTC without moving the BTC using the PBC 500. Since the trading can be completed by rewriting the nominal data in the virtual currency clearing system 100, the virtual currency remittance fee can be avoided. Further, it is not necessary to accumulate legal currency for each opposite exchange company, and credit risk can be reduced by using DVP for transactions between exchange companies of virtual currencies, and financial efficiency can be improved.

(Second embodiment)
A virtual currency clearing system 100A according to a second embodiment of the present invention will be described with reference to FIG. The virtual currency clearing system 100A, the exchange agent A server 200, and the exchange agent B server 300 are connected to a PBC 500 used for BTC transfer and a consortium block chain (CBC) 600 used for data rewriting, respectively. The virtual currency clearing system 100A has a trust property address 140 used for the PBC 500, the exchange agent A server 200 has an exchange agent A address 240 used for the PBC 500, and the exchange agent A server 300 is an exchange used for the PBC 500. It has a vendor B address 340. The virtual currency clearing system 100A uses the address under trust property 140, the address A of the exchange company 240, and the address B of the exchange company 340 to execute the BTC transfer (trust trust) in the PBC 500 in advance.

The CBC 600 has a plurality of management bodies, a plurality of specific bodies participating in the CBC, and forms an agreement (contract) by consensus among the specific bodies. In the present embodiment, the plurality of management entities and/or the plurality of participating entities may be the virtual currency clearing system 100 (clearing server 150), the exchange agent A server 200, and the exchange agent B server 300. The plurality of management bodies and/or the plurality of specific bodies are specified by the CBC addresses that each has. The virtual currency clearing system 100A has a trustee address 610 used for the CBC 600, the exchange agent A server 200 has an exchange agent A address 620 used for the CBC 600, and the exchange agent A server 300 is used for the CBC 600. It has an exchange B address 630 that is assigned to it. The virtual currency clearing system 100A executes a smart contract described later using the trustee address 610, the exchange agent A address 620, and the exchange agent B address 630 included in the CBC 600.

The virtual currency clearing system 100A of FIG. 2 includes a clearing server 150 and an accounting system server 160 that executes fund transfer. The clearing server 150 includes a CBC inquiry/update unit that communicates with the CBC 600 and executes inquiry and/or update of data. Although not shown in FIG. 2, the clearing server 150 may include the databases 120, 122, 130, and 132 of FIG. 1. The accounting system server 160 includes a legal currency (yen currency) balance management unit for executing the transfer of funds. The clearing server 150 includes a balance inquiry/update request unit that communicates with the accounting system server 160 to execute a balance inquiry and/or an update request.

The exchange trader A server 200 (purchasing side) and the exchange trader A server 300 (sale side) of FIG. 2 respectively set the legal currency trust setting for setting the trust amount of legal currency (real currency) in the virtual currency clearing system 100A. Section, a virtual currency trust setting section for setting a virtual currency trust quantity in the virtual currency clearing system 100A, a transaction external ordering section for ordering an inter-exchange transaction with the CBC600, and a virtual currency for the CBC600. The CBC balance inquiry unit for executing the inquiry about the balance etc. and the execution request unit for sending the execution request to the CBC 600.

The operation of the virtual currency clearing system 100A of FIG. 2 will be described. First, the exchange A server 200 (purchasing side) performs virtual currency and fiat currency trust protection for the virtual currency clearing system 100A, as described below. In step S210A, exchange company A server 200 sends the legal currency of the amount set by the legal currency trust setting unit to accounting system server 160 of virtual currency clearing system 100A. For example, the legal currency remitted in step S210A may be 200 yen. Next, in step S211A, the exchange agent A server 200 (purchasing side) instructs the virtual currency remittance unit 241 to remit the virtual currency in the quantity set by the virtual currency trust setting unit. In step S212A, the virtual currency remittance unit 241 uses the private key from the trader A address 240 to remit the virtual currency in the quantity set in the virtual currency transfer under-trust property address 140. For example, the BTC remitted in step S212A can be 2BTC. Through steps S210A to S212A, trust preservation (movement) of the virtual currency and legal currency of the exchange company A from the exchange company A server 200 to the virtual currency clearing system 100A is completed.

First, the exchange B server 300 (sale side) also performs trust preservation of virtual currencies and fiat currencies on the virtual currency clearing system 100A, as described below. In step S210B, exchange company B server 300 sends the legal currency of the amount set by the legal currency trust setting unit to accounting system server 160 of virtual currency clearing system 100A. For example, the legal currency remitted in step S210B may be 200 yen. Next, in step S211B, the exchange company B server 300 (sale side) instructs the virtual currency remittance unit 341 to remit the virtual currency in the quantity set by the virtual currency trust setting unit. In step S212B, the virtual currency remittance unit 341 uses the private key from the trader B address 340 to remit the amount of virtual currency set in the virtual currency transfer trust property address 140. For example, the BTC remitted in step S212B can be 2BTC. Through steps S210B to S212B, trust preservation (movement) of virtual currency and legal currency of exchange B from exchange B server 300 to virtual currency clearing system 100A is completed.

Next, a transaction between exchange companies using the virtual currency clearing system 100A will be described with reference to FIG. In step S220A, the CBC balance inquiry unit of exchange company A server 200 executes the balance inquiry to CBC 600 at predetermined intervals. In step S230A, the CBC contract requesting unit of the exchange A server 200 transmits a contract request (contract condition notification) to the CBC 600. For example, the contract request in step S230A can be a request to purchase 1BTC for ¥100.

In step S220B, the CBC balance inquiry unit of exchange company B server 300 executes the balance inquiry to CBC 600 at predetermined intervals. In step S230B, the CBC contract request unit of exchange company B server 300 transmits a contract request (contract condition notification) to CBC 600. For example, the contract request in step S230B can be a request to sell 1 BTC for ¥100.

When the contract request from the exchange company A server 200 in step S230A and the contract request from the exchange company B server 300 in step S230B are transmitted to the CBC 600, in step S240, the trade verification is performed using the smart contract on the CBC 600. It is executed automatically. For example, in the trade inquiry of step S240, the contract request from the exchange company A server 200 (a request to purchase 1 BTC for ¥100) and the contract request from the exchange company A server 200 (to sell 1 BTC for ¥100) Hope) and it is determined whether or not the sale is successful.

The smart contract in step S240 is a transaction storage contract or a settlement contract. The transaction storage contract searches for a pair for which a sale is successful, based on the contract request. The clearing contract sets up the BTC and legal currency clearing preparations between the pair (trader A address 620 and trader B address 630) in which the sale is completed and stores the temporary balance.

In step S250, the clearing server 150 acquires the settlement amount information and settlement destination information regarding the virtual currency and the legal currency from the trust-managed address 610 of the CBC 600. In step S255, the clearing server 150 causes the CBC inquiry/update unit to settle the virtual currency based on the obtained settlement amount of the virtual currency and the settlement information. In step S260, the clearing server 150 transmits a legal currency transfer request from the balance inquiry/update request unit to the accounting system server 160 based on the acquired legal currency settlement amount and settlement destination information. In step S265, the accounting system server 160 executes the fund transfer based on the received fiat currency transfer request and updates the data of the fiat currency balance management unit. For example, the data update (entity of yen (legal currency) balance management) executed by the accounting system server 160 can be as shown in Table 1 below.

In step S270, the accounting system server 160 transmits the fixed value of legal currency transfer and/or balance update to the clearing server 150. In step S280, the clearing server 150, which has received the fixed value of the transfer of virtual currency and legal currency and the balance update, transmits the fixed value to the CBC 600 via the trust managed address 610. In step S290, the CBC 600 executes the balance management contract using the smart contract. The balance management contract is registered such that the fixed value after the transfer of the virtual currency and the legal currency is approved by at least two of the addresses 610, 620, and 630. Table 2 shows values before and after transfer for virtual currency and legal currency. The value before transfer is the value registered in each address 610, 620, and 630 of the CBC 600 before step S240. The value after transfer is a fixed value for transfer and/or balance update of legal currency registered in each address 610, 620, and 630 of the CBC 600 in step S280.

(flowchart)
Transactions between exchange companies using the virtual currency clearing system 100A will be described in more detail with reference to the flowcharts of FIGS. 3 and 4. These flowcharts are for the case where the exchange A server 200 receives a buy order that exceeds its own inventory. Upon receiving such a buy order, the exchange trader A server 200 transmits the virtual currency purchase order to the exchange trader B server 300 in step S301. In step S302, the exchange agent B server 300 that receives the virtual currency purchase order presents (transmits) the virtual currency sale rate to the exchange agent A server 200. In step S303, the exchange agent A server 200, which has received the sale rate from the exchange agent B server 300, executes a virtual currency purchase acceptance process (purchase value update), and proceeds to step S304. In step S304, exchange company A server 200 transmits an inquiry request for excess or deficient amount of accounting system server 160 to accounting system server 160 of virtual currency clearing system 100A. In step S305, when the account system server 160 receives the excess/deficiency inquiry request, it executes the balance inquiry for the legal currency account of the exchange company A in the virtual currency clearing system 100A. In step S306, the legal currency account information of the exchange company A is transmitted to the exchange company A server 200 with the legal currency balance information.

In step S307, the exchange trader A server 200 that receives the legal currency balance information determines whether or not the virtual currency purchase cost is insufficient based on the received balance information. In step S307, if the purchase cost of the virtual currency is insufficient, the process proceeds to step S308, and if the purchase cost of the virtual currency is not insufficient, the process proceeds to step S313. In step S308, exchange company A server 200 transmits an additional trust request for fiat currency (additional maintenance request) to the fiat currency account of exchange company A. The fiat currency account of the exchange company A can transfer funds. In step S309, the legal currency account of the exchange company A that has received the supply of the additional trust of the virtual currency is added by depositing the legal currency of the amount necessary for the additional trust in the legal currency account for conservation of the virtual currency clearing system 100A. The trust completion is transmitted to the clearing server 150.

In step S310, the clearing server 150, which has received the completion of the additional trust, transmits the setting approval of the additional trust to the legal currency account in the virtual currency clearing system 100A. In step S311, the legal currency account that has received the approval of the setting contents of the additional trust increases the balance of the legal currency account of the exchange company A, and transmits the completion of the increase to the clearing server 150. In step S312, the clearing server 150, which has received the completion of the increase in the balance of the legal tender account for conservation of the exchange company A, transmits an additional trust completion notice to the exchange company A server 200, and then returns to step S304 and thereafter. Repeat the process.

If the exchange A server 200 determines in step S307 that the purchase cost of the virtual currency is not insufficient, the process proceeds to step S313, and the exchange A server 200 transmits the contract condition notification A to the clearing server 150. Further, after the exchange company B server 300 presents the sale rate of the virtual currency in step S302, the exchange company B server 300 transmits the contract condition notification B to the clearing server 150 in step S314. Preferably, the contract condition notification A from the exchange A server 200 to the clearing server 150 in step S313 can be unified in a common format. Similarly, preferably, the contract condition notification B from the exchange B server 300 to the clearing server 150 in step S314 can be unified into a common format. Further, preferably, the contract condition notifications A and B are executed via an application programming interface (API) provided in each server 150, 200, and 300, respectively. The contract condition collation in step S315 is collectively executed at predetermined intervals (for example, daily).

In step S315, the clearing server 150 stores the contract condition report A and the contract condition report B and starts the contract condition collation. In step S316, the clearing server 150 determines whether or not there is a mismatch between the two contract condition notifications. If there is a mismatch in step S316, the process returns to step S301 to start over from ordering the virtual currency, and if there is no mismatch, the process proceeds to step S317 in FIG. 4 to continue the process.

In step S317 of FIG. 4, the clearing server 150 transmits a legal currency balance confirmation to the accounting system server 160. In step S318, the accounting system server 160, which has received the legal currency balance confirmation, executes a balance inquiry of the protection legal currency account of the exchange company A. In step S<b>319, the legal currency balance of the exchange trader A is transmitted from the conservation legal currency account to the clearing server 150. In step S320, the clearing server 150 that has received the legal currency balance for the exchange trader A determines whether or not the legal currency balance is insufficient. If the legal currency balance is insufficient in step S320, the process returns to step S307 in FIG. 3 to execute the additional fiat currency trust. If the legal currency balance is not insufficient in step S320, the process proceeds to step S321. In step 321, the clearing server 150 transmits a cash restraint command to the accounting system server 160. In step 322, the accounting system server 160 that has received the cash restraint command executes cash restraint on the legal currency account of the exchange company A, and the balance of the legal currency account of the exchange company A is locked in step S323. ..

After the clearing server 150 transmits a fund restraint command in step S321, the clearing server 150 transmits a virtual currency balance confirmation command to the CBC 600 in step S324. In step S325, the CBC 600 transmits the virtual currency balance for the exchange B to the clearing server 150. In step S326, the clearing server 150 that has received the virtual currency balance determines whether the virtual currency balance is insufficient. In step S326, if the virtual currency balance is insufficient, the process proceeds to step S327, and if the virtual currency balance is not insufficient, the process proceeds to step S330.

In step S326, the clearing server 150 that has received the virtual currency balance shortage notification transmits a virtual currency additional trust request to the virtual currency clearing system 100 for moving the shortage virtual currency to the exchange B server 300. .. In step S327, exchange company B server 300, which has received the virtual currency addition trust request, sends a virtual currency addition trust command to exchange company B's own wallet. In step S329, the own wallet of the exchange company B which has received the virtual currency additional trust command deposits (moves) the necessary amount (shortage) of virtual currency into the conservation wallet of the clearing system 150 via the PBC 500. , And returns to step S324 to repeat the virtual currency balance confirmation. When the virtual currency balance is not insufficient in step S326, the process proceeds to step S330. In step S330, the clearing server 330 transmits a virtual currency transfer instruction to the CBC 600.

Upon receiving the virtual currency transfer instruction, the CBC 600 decrements the virtual currency for the exchange B in step S331, and increases the virtual currency for the exchange A in step S332. The processes of steps S312 and S332 are automatically executed by the smart contract. After the virtual currency is increased in step S332, the clearing server 150 transmits a fiat currency transfer instruction to the fiat currency account in step S333. The legal currency account that has received the legal currency transfer instruction deducts the legal currency of the exchange company A in step S334, increases the legal currency of the exchange company B in step S335, and ends inter-dealer trading.

(Summary)
The virtual currency clearing system of the present invention preserves or stores virtual currency deposited by a virtual currency exchange company, and at the time of buying and selling virtual currency, the virtual currency itself is not moved using PBC, and the virtual currency is transferred. The movement of the virtual currency is authorized by changing the data update (update of balance information) on the database provided in the clearing system or the data update managed by CBC. Thus, the present invention, by rewriting or updating the management data of the virtual currency protected on the virtual currency clearing system side, and the transfer of the legal currency between the maintenance fiat currency accounts due to this rewriting or updating, Transfer of virtual currency between multiple virtual currency exchange servers can be omitted.

Therefore, the present invention has the following advantageous effects. (1) Since the legal currency does not need to be loaded for each transaction of virtual currency between virtual currency exchange companies, credit risk does not occur, and fund efficiency is improved. (2) Since remittance of virtual currency by PBC is not performed for each transaction between virtual currency exchange companies, remittance fee does not occur each time.

100 Virtual Currency Clearing System 100A Virtual Currency Clearing System 200 Exchanger A Server 300 Exchanger B Server 500 PBC
600 CBC

Claims (15)

A virtual currency clearing system connected to a plurality of virtual currency exchange trader servers and a public block chain (PBC), comprising:
The virtual currency clearing system is
A security or storage wallet for maintaining or storing the virtual currencies moved from the plurality of virtual currency exchange trader servers via the PBC;
A virtual currency information set for each of the plurality of virtual currency exchange trader servers, and a clearing server for inquiring and/or updating the legal currency information set for each of the plurality of virtual currency exchange trader servers,
Based on the contracted virtual currency transactions between said plurality of virtual currency exchange's server, the virtual currency clearing system, without moving the virtual currency in the PBC, the virtual currency information及beauty before notation constant currency information A virtual currency clearing system for updating. In the virtual currency clearing system according to claim 1,
The virtual currency clearing system comprises a consortium block chain (CBC) for updating the virtual currency information and/or the legal currency information. In the virtual currency clearing system according to claim 2,
The CBC is a virtual currency clearing system that executes a smart contract for updating the virtual currency information and the legal currency information. In the virtual currency clearing system according to claim 3,
A virtual currency clearing system, wherein the plurality of management entities and/or the plurality of participants of the CBC include at least one of the plurality of virtual currency exchange trader servers and the virtual currency clearing system. The virtual currency clearing system according to any one of claims 1 to 4,
The virtual currency clearing system includes a clearing server for updating the virtual currency information and/or the legal currency information. The virtual currency clearing system according to any one of claims 1 to 5,
The virtual currency clearing system executes the update of the legal currency information on condition that the virtual currency information is updated. The virtual currency clearing system according to any one of claims 1 to 6,
The virtual currency clearing system includes a plurality of conservation fiat currency accounts corresponding to each of the plurality of virtual currency exchange trader servers, and legal currency among the plurality of conservation fiat currency accounts according to the virtual currency transaction. A virtual currency clearing system to move around. In the virtual currency clearing system according to claim 7,
A virtual currency clearing system, wherein the transfer of fiat currencies between the plurality of fiat currencies for conservation is executed by an accounting system. The virtual currency clearing system according to any one of claims 1 to 8,
The virtual currency clearing system includes a plurality of databases corresponding to the plurality of virtual currency exchange server servers, respectively. In the virtual currency clearing system according to claim 9 ,
Each of the plurality of databases includes a customer deposit management database that manages virtual currency of customer deposits of the virtual currency exchange agent server, and a self-inventory management database that manages self-inventory of the virtual currency exchange agent server. Currency clearing system. The virtual currency clearing system according to any one of claims 1 to 10,
The virtual currency clearing system preserves or stores the virtual currency moved from the plurality of virtual currency exchange server in the security or storage wallet before the virtual currency transaction. In the virtual currency clearing system according to claim 11,
When there is a shortage of virtual currency stored or stored in the storage or storage wallet at the time of the virtual currency transaction, the virtual currency clearing system stores virtual data for at least one of the virtual currency exchange trader servers. A virtual currency clearing system that sends additional trust requests for currency. The virtual currency clearing system according to any one of claims 1 to 12,
Prior to the virtual currency transaction, the virtual currency clearing system preserves or stores the legal currency transferred from the plurality of virtual currency exchange trader servers in a legal currency account in which funds can be transferred by an accounting system. , Virtual currency clearing system. In the virtual currency clearing system according to claim 13,
When there is a shortage of fiat currencies stored or stored in the fiat currency account during the virtual currency transaction, the virtual currency clearing system transfers the fiat currency to the virtual currency exchange trader server associated with the fiat currency account. A virtual currency clearing system that sends additional trust requests. The virtual currency clearing system according to any one of claims 1 to 14,
The virtual currency clearing system, wherein the virtual currency information and/or the legal currency information includes increase/decrease information of the virtual currency and/or the legal currency related to the virtual currency transaction.