JP7681701B2 - Cryptocurrency system using highly reliable offline wallet and cryptocurrency wallet management method - Google Patents

Description

The following description relates to a cryptocurrency system and cryptocurrency wallet management method that uses a highly trusted offline wallet.

Conventional cryptocurrency systems have protected crypto assets from hacking by assigning the terms hot, warm, and cold to wallets according to their characteristics, and by separating and managing them as hot wallets for withdrawals and warm wallets for deposits. In addition, it was common to minimize the risk of hackers invading high-value crypto assets by depositing large amounts of assets other than the average liquidity amount in cold wallets that do not allow for online withdrawals.

Here, a cold wallet is a wallet that allows withdrawals by inputting n or more signature keys out of N signature keys recorded on an offline medium such as a USB (Universal Serial Bus) and signing. In this case, if the ratio of assets to be deposited in a cold wallet is set incorrectly, the operator will have to make more offline withdrawals (withdrawals in which the operator inputs signature keys into a cold wallet via one or more USBs and signs), which will increase the operating costs of the cryptocurrency system. In addition, if a large amount of assets is stored in a warm wallet and/or a hot wallet, there is a problem that the wallet becomes more vulnerable to hacking by hackers and fraudulent acts by insiders.

In addition, in conventional cryptocurrency systems, operators set the destination address when making an offline withdrawal, which can lead to fraudulent activity, such as operators entering the wrong destination address or intentionally setting a different destination address.

Furthermore, accounting for user funds and company funds requires logical bookkeeping within the wallet, but if a problem or error occurs, it is difficult to trace the history, let alone restore it.

Korean Patent Publication No. 10-2020-0033171

We provide a cryptocurrency system and cryptocurrency wallet management method that uses blockchain to manage customer assets separately from company assets, logically store most (e.g., 99.9% or more) of customer assets in a cold wallet, while minimizing offline withdrawals.

A cryptocurrency wallet management method using a computer device including at least one processor, the cryptocurrency wallet management method including a step of processing data for depositing funds into a first wallet in a warm form by transferring crypto assets to a user address provided by a service provider of a cryptocurrency system including the computer device, a step of processing data for pre-substituting user funds in a second wallet in a hot form in response to a user request, a step of transferring funds calculated by summarizing the funds deposited in the first wallet according to a first preset condition to a third wallet in a cold form managed by an offline signature key, and a step of transferring funds calculated by summarizing the user funds pre-substituted in the second wallet according to a second preset condition from the third wallet to the second wallet by the at least one processor.

According to one aspect, the cryptocurrency wallet management method may further include a step in which the at least one processor processes data for reconciling funds between a fourth wallet in a cold form managed by an offline signature key and the third wallet, and the offline signature key for managing the fourth wallet may have relatively higher authority than the offline signature key for managing the third wallet.

According to another aspect, the cryptocurrency wallet management method may further include the at least one processor providing a ratio of the balance of the second wallet to the total balance of the first wallet, the second wallet, the third wallet, and the fourth wallet.

In another aspect, the step of providing the ratio may be characterized by displaying the ratio on a display associated with the computer device or transmitting the ratio to a user terminal capable of electronic communication with the computer device.

In another aspect, the cryptocurrency wallet management method may further include a step in which the at least one processor expresses and provides the balance of any one of the first wallet, the second wallet, the third wallet, and the fourth wallet in a value corresponding to at least one type of real currency or at least one type of cryptocurrency.

According to another aspect, the cryptocurrency wallet management method may further include a step in which the at least one processor transfers funds resulting from operation of the third wallet from a warm fifth wallet associated with the service provider to the third wallet.

According to another aspect, the step of processing data for depositing funds into the first wallet may be characterized by processing the transfer of funds to the first wallet based on crypto assets transferred from an external wallet to each user address assigned to the user.

In another aspect, the step of processing data for pre-depositing user funds in the second wallet may be characterized by locking the withdrawal of at least some or all of the user's crypto assets associated with the cryptocurrency system based on the user funds, and then performing pre-deposit using the service provider's crypto assets.

In another aspect, the step of transferring the funds received in the first wallet to the third wallet may be characterized in that the funds received in the first wallet are transferred to the third wallet in accordance with at least one of the following first conditions: an amount of funds received in the first wallet is equal to or greater than a specific amount; and funds are transferred in a specific time period.

According to yet another aspect, the step of transferring funds from the third wallet to the second wallet may be characterized in that funds corresponding to the previously deposited user funds are transferred from the third wallet to the second wallet in accordance with at least one of the second conditions that the amount of funds to be transferred to the second wallet is equal to or greater than a specific amount, and that funds are transferred in specific time units.

A computer program is provided that is recorded on a computer-readable recording medium and is coupled with a computer device to cause the computer device to execute the method.

A computer-readable recording medium is provided that stores a program for causing a computer device to execute the method.

A computer device is provided, comprising at least one processor implemented to execute computer-readable instructions, the at least one processor processing data for depositing funds into a first wallet in warm form by transferring crypto assets to a user address provided by a service provider of a cryptocurrency system including the computer device, processing data for pre-depositing user funds in a second wallet in hot form in response to a user request, transferring funds calculated by aggregating the funds deposited in the first wallet according to a first preset condition to a third wallet in cold form managed by an offline signature key, and transferring funds calculated by aggregating the user funds pre-deposited in the second wallet according to a second preset condition from the third wallet to the second wallet.

The cryptocurrency system uses blockchain to manage customer assets separately from company assets, and logically stores the majority of customer assets (e.g., 99.9% or more) in cold wallets while minimizing offline withdrawals.

FIG. 1 illustrates an example of a network environment in accordance with an embodiment of the present invention. FIG. 2 is a block diagram illustrating an example of a computing device in accordance with an embodiment of the present invention. FIG. 2 is an exemplary diagram showing a transaction processing process of a cryptocurrency system according to an embodiment of the present invention. FIG. 2 is an exemplary diagram showing a map that matches and stores addresses and purposes in accordance with an embodiment of the present invention; FIG. 1 is a schematic diagram of an exemplary cryptocurrency system according to an embodiment of the present invention. FIG. 13 is an exemplary diagram illustrating a dashboard for real-time risk management of wallet operations in accordance with an embodiment of the present invention. FIG. 1 is an exemplary diagram showing a method for managing a cryptocurrency wallet in a cryptocurrency system according to an embodiment of the present invention. FIG. 11 illustrates another example of a method for managing cryptocurrency wallets in a cryptocurrency system in accordance with an embodiment of the present invention.

The present invention can be modified in various ways and can have various embodiments, so a specific embodiment is illustrated in the drawings and described in detail in the detailed description. However, this is not intended to limit the present invention to the specific embodiment, and should be interpreted as including all modifications, equivalents, or alternatives within the spirit and technical scope of the present invention. Similar reference symbols in each drawing are used for similar components.

Terms such as first, second, A, and B are used to describe various components, but the components should not be limited by the terms. The terms are used only for the purpose of distinguishing one component from another. For example, the first component may be named the second component, and the second component may be named the first component, without departing from the scope of the present invention. The term "and/or" includes a combination of multiple items described in association with each other, or any of multiple items described in association with each other.

When a component is described as being "connected" or "connected" to another component, it should be interpreted as including not only being directly connected or connected to the other component, but also the case where there is another component in between. On the other hand, when a component is described as being "directly connected" or "directly connected" to another component, it should be interpreted as including the case where there is no other component in between.

The terms used in this application are merely used to describe certain embodiments and are not intended to limit the present invention. The singular expressions include the plural expressions unless the context clearly indicates otherwise. In this application, the terms "include" or "have" are intended to specify the presence of features, numbers, steps, operations, components, parts, or combinations thereof described in the specification, and should not be interpreted as precluding the presence or addition of one or more other features, numbers, steps, operations, components, parts, or combinations thereof.

Unless otherwise defined, all terms used herein, including technical and scientific terms, have the same meaning as commonly understood by one of ordinary skill in the art to which this invention pertains. Terms, such as those commonly used and predefined, should be interpreted to have a meaning consistent with their meaning in the context of the relevant art and should not be interpreted in an idealized or overly formal sense unless expressly defined in this application.

The following describes the embodiments in detail with reference to the attached drawings.

The cryptocurrency system according to the embodiment of the present invention may be realized by at least one computer device, and the cryptocurrency wallet management method according to the embodiment of the present invention may be executed by at least one computer device that realizes the cryptocurrency system. In the computer device, a computer program according to an embodiment of the present invention may be installed and executed, and the computer device may execute the cryptocurrency wallet management method according to the embodiment of the present invention according to the control of the executed computer program. The above-mentioned computer program may be recorded on a computer-readable recording medium in combination with the computer device to cause the computer device to execute the cryptocurrency wallet management method.

Figure 1 is a diagram showing an example of a network environment in one embodiment of the present invention. The network environment in Figure 1 shows an example including multiple electronic devices 110, 120, 130, 140, multiple servers 150, 160, and a network 170. Figure 1 is merely an example for explaining the invention, and the number of electronic devices and the number of servers should not be limited to that shown in Figure 1. Furthermore, the network environment in Figure 1 is merely an example of an environment applicable to this embodiment, and the environment applicable to this embodiment should not be limited to the network environment in Figure 1.

The electronic devices 110, 120, 130, and 140 may be fixed terminals or mobile terminals realized by computer devices. Examples of the electronic devices 110, 120, 130, and 140 include smartphones, mobile phones, navigation systems, personal computers (PCs), notebook PCs, digital broadcasting terminals, personal digital assistants (PDAs), portable multimedia players (PMPs), and tablets. As an example, FIG. 1 shows a smartphone as an example of the electronic device 110, but in an embodiment of the present invention, the electronic device 110 may refer to one of various physical computer devices that can communicate with other electronic devices 120, 130, and 140 and/or servers 150 and 160 via a network 170 using a substantially wireless or wired communication method.

The communication method is not limited, and may include not only a communication method using a communication network that the network 170 can include (for example, a mobile communication network, a wired Internet, a wireless Internet, or a broadcasting network), but also short-range wireless communication between devices. For example, the network 170 may include any one or more of a personal area network (PAN), a local area network (LAN), a campus area network (CAN), a metropolitan area network (MAN), a wide area network (WAN), a broadband network (BBN), the Internet, and the like. Furthermore, the network 170 may include any one or more of a network topology including, but not limited to, a bus network, a star network, a ring network, a mesh network, a star-bus network, a tree or a hierarchical network, and the like.

Each of the servers 150, 160 may be implemented by one or more computing devices that communicate with the multiple electronic devices 110, 120, 130, 140 via the network 170 to provide instructions, code, files, content, services, and the like. For example, the server 150 may be a system that provides services (such as cryptocurrency trading services, financial services, application analysis services, content provision services, archive services, file distribution services, map services, group calling services (or audio conferencing services), messaging services, email services, social networking services, translation services, payment services, search services, and the like) to the multiple electronic devices 110, 120, 130, 140 connected via the network 170.

Figure 2 is a block diagram showing an example of a computer device in one embodiment of the present invention. Each of the multiple electronic devices 110, 120, 130, and 140 and each of the servers 150 and 160 described above may be realized by the computer device 200 shown in Figure 2.

Such a computer device 200 may include a memory 210, a processor 220, a communication interface 230, and an input/output interface 240, as shown in FIG. 2. The memory 210 is a computer-readable recording medium and may include a RAM (random access memory), a ROM (read only memory), and a permanent mass storage device such as a disk drive. Here, a permanent mass storage device such as a ROM or a disk drive may be included in the computer device 200 as a separate permanent storage device separate from the memory 210. In addition, the memory 210 may store an operating system and at least one program code. Such software components may be loaded into the memory 210 from a computer-readable recording medium separate from the memory 210. Such a separate computer-readable recording medium may include a computer-readable recording medium such as a floppy drive, a disk, a tape, a DVD/CD-ROM drive, or a memory card. In other embodiments, the software components may be loaded into the memory 210 through a communication interface 230 that is not a computer-readable recording medium. For example, the software components may be loaded into the memory 210 of the computer device 200 based on a computer program that is installed by a file received via the network 170.

The processor 220 may be configured to process computer program instructions by performing basic arithmetic, logic, and input/output operations. The instructions may be provided to the processor 220 by the memory 210 or the communication interface 230. For example, the processor 220 may be configured to execute instructions received according to program code recorded in a recording device such as the memory 210.

The communication interface 230 may provide a function for the computer device 200 to communicate with other devices (for example, the above-mentioned recording device) via the network 170. As an example, requests, commands, data, files, etc. generated by the processor 220 of the computer device 200 according to program code recorded in a recording device such as the memory 210 may be transmitted to other devices via the network 170 under the control of the communication interface 230. Conversely, signals, commands, data, files, etc. from other devices may be received by the computer device 200 via the communication interface 230 of the computer device 200 via the network 170. The signals, commands, data, etc. received via the communication interface 230 may be transmitted to the processor 220 or the memory 210, and the files, etc. may be recorded on a recording medium (the above-mentioned permanent recording device) that the computer device 200 may further include.

The input/output interface 240 may be a means for interfacing with the input/output device 250. For example, the input device may include devices such as a microphone, keyboard, or mouse, and the output device may include devices such as a display and a speaker. As another example, the input/output interface 240 may be a means for interfacing with a device that integrates functions for input and output into one, such as a touch screen. The input/output device 250 may be configured as a single device together with the computer device 200.

Also, in other embodiments, computing device 200 may include fewer or more components than those of FIG. 2. However, most prior art components need not be explicitly shown in the figures. For example, computing device 200 may be implemented to include at least some of the input/output devices 250 described above, and may further include other components such as transceivers, databases, etc.

In this specification, terms such as "receive," "withdraw," and "transfer" related to the transfer of funds between wallets should be interpreted as a computer device (e.g., computer device 200 in FIG. 2) processing data for the transfer of funds. For example, funds being received into a wallet may mean that a computer device processes data for receiving funds into the wallet. Also, a transfer of funds between two wallets should be interpreted as a withdrawal of funds from one wallet and a receipt of funds into the other wallet. In other words, a computer device may process a transfer of funds from a first wallet to a second wallet by processing data for withdrawing funds in the first wallet and processing data for receiving the funds in the second wallet.

In the present invention, the term "company" may include a service provider of a cryptocurrency system. The cryptocurrency system may be implemented on at least one computer device, and each of the at least one computer device may correspond to computer device 200 in FIG. 2.

Figure 3 is an exemplary diagram showing a transaction processing process of a cryptocurrency system in one embodiment of the present invention. Figure 3 is an example of a transaction from a user to a company, and shows the movement of an amount (a) deposited as company funds, other company fees (b), and minimum operating funds (c) that can be withdrawn by the user. User Cold 310 is an example of a cold type user wallet, and Corp Warm 320 is an example of a warm type company wallet. In this case, the company funds and the user funds may be managed by separating the wallets. To this end, the amount (a) as company funds and other fees (b) may be transferred to Corp Hot 330, which is an example of a hot type company wallet, and the minimum operating funds (c), which are user funds, may be transferred to User Hot 340, which is an example of a hot type user wallet.

In this case, in a conventional cryptocurrency system, three offline withdrawals are required for three transactions. An offline withdrawal may mean a withdrawal in which an operator 312 who holds a key 311 through an offline medium such as a USB inputs the key 311 into the User Cold 310 and signs the withdrawal, and may mean that the number of signature operations for offline withdrawal increases in proportion to the number of signature keys required for one signature and the number of transactions. For example, if the number of signature keys required for one signature is more than half of the seven (for example, seven signature keys managed by seven operators each), at least four or more signature key inputs must be received for each signature. If 100 such transactions are made, a total of 400 signature key inputs and 100 signatures are required if offsetting processing is not taken into account. This leads to an increase in the operating costs of the cryptocurrency system.

To solve this problem, the cryptocurrency system according to the present embodiment may generate a bundle transaction to minimize the signature for offline withdrawal. For example, the "1. Calculation and generation of transfer information" process shown in FIG. 3 may be an example of a process in which the cryptocurrency system calculates and generates a bundle transaction. In this case, the cryptocurrency system may set the address of each transaction to a pre-specified address (in FIG. 3, addresses A, B, C 350 including "address A" and "address B" which are the addresses of Corp Hot 330, and "address C" which is the address of User Hot 340), and such addresses cannot be changed. The locked lock pattern 360 and the unlocked lock pattern 370 in FIG. 3 may indicate that addresses A, B, and C 350 will not be exposed to the operator 312 of User Cold 310 during the process of "2. Signing and Transferring the Bundle Transaction" described below. The amount to be transferred to each address may also be pre-calculated by the cryptocurrency system.

Meanwhile, the "2. Signing and sending bundle transaction" process shown in FIG. 3 may be an example of a process in which User Cold 310 processes a signature for one bundle transaction and transfers it to Corp Warm 320. In this case, the operator 312 can process the signature for the bundle transaction using the signature key 311, but cannot specify an address, and all amounts withdrawn from User Cold 310 can only be transferred to Corp Warm 320. Therefore, the number of signatures for offline withdrawals can be reduced by the bundle transaction. For example, when transactions for a certain period (for example, one day or one week) are bundled into one to generate a bundle transaction, offline withdrawals for one day's transactions can be processed with a single signature.

The "3. System event (trigger)" process shown in FIG. 3 may be an example of a process in which the cryptocurrency system recognizes the amount (value) of goods stored in Corp Warm 320 and transfers the amount (value) pre-calculated to each address pre-set in the "1. Calculation and generation of transfer information" process. This process may include a process in which a signature for a bundle transaction is processed by User Cold 310 in the "2. Signature and transfer of bundle transaction" process, a transfer worth the corresponding transaction amount (value) is requested to Corp Warm 320 via the cryptocurrency network, and Corp Warm 320 confirms the completion of the transmission, thereby generating a system event (trigger), and a process in which Corp Warm 320 transfers the transaction amount to each address according to the system event (trigger). In other words, the transfer of transaction volume from Corp Warm 320 to Corp Hot 330 and User Hot 340 is performed in the "3. System Event (Trigger)" process. This "3. System Event (Trigger)" process may be performed after confirmation is established on the blockchain.

In addition, the "4. Automation" process shown in FIG. 3 may be a process in which the cryptocurrency system manages inventory by recording the quantity that arrives for a specific purpose at a specified address.

FIG. 4 is an exemplary diagram showing a map in which addresses and purposes are matched and recorded in one embodiment of the present invention. FIG. 4 shows an example of a map (address-op.purpose ma) 400 in which addresses (address) and operation purposes (op.purpose) are matched with each other. More specifically, the matching map 400 of FIG. 4 shows an example of matching and managing the addresses "addressA", "addressB", and "addressC" of transactions (a), (b), and (c) described in FIG. 3 with the operation purposes "purposeA", "purposeB", and "purposeC". In this case, the operation purposes may include the amount of money received as company funds (a), other company fees (b), and the minimum operating funds that a user can withdraw (c), as described with reference to FIG. 3, and the types of such purposes may be preset. In other words, the purpose for a particular transaction is set to one of many predefined purposes. Meanwhile, matching and "managing" an address and an operational purpose may include correlating the matched information and recording it in a database and/or on a blockchain.

In this way, the cryptocurrency system according to this embodiment can use the blockchain to manage user assets and company assets separately. In this case, the cryptocurrency system can set N addresses in the wallet and map the set addresses to the purpose of the amount transfer. Therefore, since each transaction is recorded in the transfer purpose blockchain, the ledger can be accurately managed and the history can be restored at any time. Furthermore, since a bundle transaction for transactions (a), (b), and (c) can be processed with a single signature, the transaction can be processed more efficiently than individual processing. In addition, since the operator is not given the authority to set addresses, the user's assets can be safely managed separately.

Figure 5 is an exemplary diagram showing wallets of a cryptocurrency system in one embodiment of the present invention. Figure 5 shows Hot 510, Warm 520, User Warm (C) 530, and User Hot (c) 540, which are "Corp Wallets", and OPS Cold 550 and Cold 560, which are "User Wallets". User Warm (C) 530 and User Hot (c) 540 may be classified as "Corp Wallets" because funds stored in User Warm (C) 530 and User Hot (c) 540 are considered company assets until actually transferred to a wallet that temporarily stores user funds, a "User Wallet", or an external wallet.

Hot 510 may represent a wallet that manages a company's outgoing funds. Here, Hot 510 may correspond to Corp Hot 330 described with reference to FIG. 3.

Warm 520 may refer to a wallet that manages the company's incoming funds. Such a Warm 520 may be a wallet that can only be withdrawn to certain wallets that have been internally whitelisted (authority controlled). Here, Warm 520 may correspond to Corp Warm 320 described with reference to FIG. 3.

User Warm (c) 530 may refer to a wallet having a collection of addresses that can be used to deposit funds into a user's address assigned by a company (Corp) using the blockchain.

User Hot (c) 540 may refer to a wallet in which a company (Corp) deposits and charges the user's funds in advance for real-time withdrawal. Here, User Hot (c) 540 may correspond to User Hot 340 described with reference to FIG. 3.

OPS Cold 550 may be a wallet that manages liquid funds for a user using an offline key. Here, "OPS" in OPS Cold 550 indicates "Operations" and may be a wallet of an operator who owns a numeric offline key with limited operating authority. In this case, OPS Cold 550 may correspond to User Cold 310 described with reference to FIG. 3.

Cold 560 may be a wallet that manages the user's underlying secure assets using highly privileged, highly restricted numeric offline keys. For example, the keys for Cold 560 may be managed by a company owner, and the keys for OPSCold 550 may be managed by a company employee employed as an operator.

In this way, "User Wallets" may be configured to include Cold wallets from which online withdrawal is not possible for all user funds.

Process (1) may be an example of a process of depositing funds (crypto assets) into User Warm (c) 540 using a user address provided by the company. The user address can be confirmed by a QR (Quick Release) code and/or a character string on the customer terminal, and the amount withdrawn from another external wallet through the blockchain may be deposited into the corresponding address in User Warm (c) 540.

Process (2) may be an example of a process in which a company pre-pays funds for a user's real-time withdrawal. When a user requests withdrawal using a terminal, advance withdrawal or pre-payment may be made from User Hot (c) 540 using the company's funds, secured by the user's assets.

Process (3) may be an example of a process of consolidating user funds stored in User Warm (c) 530 according to certain conditions and transferring them to OPS Cold 550 managed by an offline key. FIG. 3 describes an example of a condition for transferring funds in a specific period (one day or one week, for example). Depending on the embodiment, a condition may be utilized for transferring user funds from User Warm (c) 530 to OPS Cold 550 when the user funds stored in User Warm (c) 530 reach a certain amount.

Process (4) may be an example of a process for replenishing funds required for the operation of OPS Cold 550 (e.g., withdrawal fees and network fees, etc.) in addition to the user's assets. In order to maintain the integrity of the user's funds in OPS Cold 550, it is necessary to replenish withdrawal fees to OPS Cold 550 at regular intervals.

Process (5) may be an example of a process in which funds paid on behalf of User Warm (c) 530 to a user are replenished from OPS Cold 550. When the paid-out funds reach a certain amount, a condition for transferring the funds and/or a condition for transferring the funds in a certain time unit may be utilized.

Step (6) may be an example of a process for adjusting the amount of data for the user's basic safe assets management. The non-moving basic assets, excluding the minimum funds for operation, may be moved from OPS Cold 550 to the safer Cold 560, and withdrawals from Cold 560 may be restricted to be made only to OPS Cold 550 when necessary.

In this case, if the transfer of funds in steps (3) and (5) is performed on a specific time unit basis, the funds minimized by the offsetting process may be transferred in only one direction. In this case, the data on the quantity of goods collected in steps (1) and (2) may be stored and managed separately in an account book and used during the settlement process.

In addition, the address, quantity, and purpose of the transfer may be recorded for all transfers between wallets and used during settlement processing.

Figure 6 is an exemplary diagram showing a dashboard for real-time risk management of wallet operations in one embodiment of the present invention. Dashboard 600 shows the current asset quantity (Crypto and JPY (￥)) and the ratio of the quantity to some wallets (Ratio (%)) for each wallet described with reference to Figure 4. In this case, if the ratio of the quantity contained in a specific wallet falls below an arbitrary threshold and a risk is detected, a highlighting of this wallet (for example, a change in the color of the text or background) may be provided. In this case, the arbitrary threshold may be set to be different for each wallet.

Figure 7 is an exemplary diagram showing a cryptocurrency wallet management method of a cryptocurrency system according to an embodiment of the present invention. The cryptocurrency wallet management method according to this embodiment may be executed by the computer device 200 that realizes the cryptocurrency system described above. In this case, the processor 220 of the computer device 200 may be implemented to execute control instructions according to the operating system code and at least one program code included in the memory 210. Here, the processor 220 may control the computer device 200 so that the computer device 200 executes steps 710 to 730 included in the method of Figure 7 according to the control instructions provided by the code recorded in the computer device 200.

In step 710, the computer device 200 may generate a bundle transaction by bundling multiple transactions into one according to preset conditions. The preset conditions may include at least one of a condition that the amount of funds from the multiple transactions is equal to or greater than a specific amount, and a condition that funds are transferred in a specific period of time. As an example, if a maximum of a user's funds must be maintained in a cold wallet and the user's funds can be maintained in a hot wallet for a maximum of 24 hours, the computer device 200 may generate a bundle transaction by bundling multiple transactions in 24-hour (day) periods. In this case, the computer device 200 may set an address for each of the multiple transactions.

In step 720, the computer device 200 may confirm the completion of the withdrawal process from the cold type wallet to the warm type wallet by the offline key signature for the generated bundle transaction. For example, the computer device 200 may confirm that the funds of the bundle transaction for which the signature for the bundle transaction is processed is moved from the cold type wallet to the warm type wallet using a signature key input from an offline medium of the administrator managing the cold type wallet. Here, the cold type wallet may correspond to the User Cold 310 described with reference to FIG. 3, and the warm type wallet may correspond to the Corp Warm 320 described with reference to FIG. 3. Here, the warm type wallet may include a wallet that can only be withdrawn to some whitelisted wallets in order to manage funds entering the company, and the funds of the bundle transaction for which the signature is processed can only be transferred to such a warm type wallet. In other words, the operator of the cold wallet only needs to process the process of inputting a signature key to sign the bundle transaction, and the addresses for each of the multiple transactions are set by the computer device 200. The funds from the bundle transaction for which the signature has been processed can only be transferred from the cold wallet to the warm wallet, which solves problems caused by errors due to the operator inputting an incorrect address or insider fraud.

In step 730, the computer device 200 may process the transfer of funds to the addresses set for each of the multiple transactions using a wallet in warm form. In this case, the computer device 200 may separate and transfer company funds and user funds to different wallets according to the addresses set for each of the multiple transactions. For example, company funds may be separated and transferred to Corp Hot 330 described with reference to FIG. 3, and user funds may be separated and transferred to User Hot 340 described with reference to FIG. 3.

Figure 8 is a diagram showing another example of a cryptocurrency wallet management method of a cryptocurrency system in one embodiment of the present invention. The cryptocurrency wallet management method according to this embodiment may be executed by the computer device 200 that realizes the cryptocurrency system described above. In this case, the processor 220 of the computer device 200 may be implemented to execute control instructions according to the operating system code and at least one program code included in the memory 210. Here, the processor 220 may control the computer device 200 so that the computer device 200 executes steps 810 to 860 included in the method of Figure 8 according to the control instructions provided by the code recorded in the computer device 200.

The first to fifth wallets described below may correspond to the wallets described with reference to FIG. 5. More specifically, the first wallet may correspond to User Warm (C) 530, the second wallet to User Hot (C) 540, the third wallet to OPS Cold 550, the fourth wallet to Cold 560, and the fifth wallet to Warm 520.

In step 810, the computer device 200 may process data for depositing funds into a first wallet in warm form in accordance with the transfer of crypto assets to a user address provided by a service provider of the cryptocurrency system including the computer device 200. Here, the first wallet may correspond to User Warm (C) 530 as described above. For example, the computer device 200 may process the transfer of funds to the first wallet based on the crypto assets transferred from an external wallet to each user address provided to the user.

In step 820, the computer device 200 may process data for pre-depositing user funds in a second wallet in hot form in response to a user request. Here, the second wallet may correspond to User Hot (C) 540 as described above. At this time, the computer device 200 may lock the withdrawal of at least some or all of the user's crypto assets related to the cryptocurrency system based on the user funds, and then perform pre-withdrawal or advance withdrawal of the service provider's crypto assets.

In step 830, the computer device 200 may transfer the funds received in the first wallet to a third wallet in a cold form managed by an offline signature key, the funds being calculated according to a first preset condition. Here, the third wallet may correspond to OPS Cold 550 as described above. For example, the computer device 200 may transfer the funds received in the first wallet to the third wallet according to at least one of the first conditions that the amount of funds received in the first wallet is equal to or greater than a specific amount and that funds are transferred in a specific period of time. The offline signature key may include a signature key recorded on a medium owned by the operator, such as a USB.

In step 840, the computer device 200 may move funds resulting from the operation of the third wallet from a fifth wallet in a warm form associated with the service provider to the third wallet. Here, the fifth wallet may correspond to Warm 520 as described above, and the funds resulting from the operation may include, for example, withdrawal fees and network fees incurred while operating the third wallet.

In step 850, the computer device 200 may move funds calculated by collectively transferring the user funds previously deposited in the second wallet according to a preset second condition from the third wallet to the second wallet. For example, the computer device 200 may move funds corresponding to the user funds previously deposited from the third wallet to the second wallet according to at least one of the second conditions that the amount of funds to be transferred to the second wallet is equal to or greater than a specific amount and that funds are transferred in a specific period of time.

In step 860, the computer device 200 may process data for adjusting funds between the fourth wallet in cold form managed by the offline signature key and the third wallet. In this case, the offline signature key for managing the fourth wallet may have relatively higher authority than the offline signature key for managing the third wallet. Here, the fourth wallet may correspond to Cold 560 as described above.

As such, according to an embodiment of the present invention, a cryptocurrency system uses blockchain to manage customer assets and company assets separately, and logically stores most (e.g., 99.9% or more) of customer assets in cold wallets while minimizing offline withdrawals.

The above-mentioned devices may be realized by hardware components or a combination of hardware and software components. For example, the devices and components described in the embodiments may be realized using one or more general-purpose or special-purpose computers, such as a processor, a controller, an arithmetic logic unit (ALU), a digital signal processor, a microcomputer, a field programmable gate array (FPGA), a programmable logic unit (PLU), a microprocessor, or various devices capable of executing and responding to instructions. The processing device may execute an operating system (OS) and one or more software applications that run on the OS. The processing device may also respond to the execution of the software and access, record, manipulate, process, and generate data. For convenience of understanding, one processing device may be described as being used, but one skilled in the art will understand that the processing device may include multiple processing elements and/or multiple types of processing elements. For example, a processing unit may include multiple processors or one processor and one controller. Other processing configurations, such as parallel processors, are also possible.

The software may include computer programs, codes, instructions, or a combination of one or more of these, and may configure or instruct a processing device to operate in a desired manner, either individually or collectively. The software and/or data may be embodied in any type of machine, component, physical device, virtual device, computer storage medium, or device to be interpreted based on the processing device or to provide instructions or data to the processing device. The software may be distributed and stored or executed in a distributed manner on computer systems connected by a network. The software and data may be stored on one or more computer-readable storage media.

The method according to the embodiment may be realized in the form of program instructions executable by various computer means and recorded on a computer-readable medium. The computer-readable medium may include program instructions, data files, data structures, etc., alone or in combination. The medium may be one that continuously records a computer-executable program, or one that temporarily records it for execution or download. The medium may be one that combines a single or multiple hardware devices, and may be one that is distributed over a network, without being limited to a medium that is directly connected to a computer system. Examples of the medium include magnetic media such as hard disks, floppy disks, and magnetic tapes, optical media such as CD-ROMs and DVDs, magneto-optical media such as floptical disks, and ROMs, RAMs, flash memories, etc., configured to record program instructions. Other examples of the medium include recording media or storage media managed by application stores that distribute applications, or sites, servers, etc. that supply or distribute various other software. Examples of program instructions include not only machine code, such as that produced by a compiler, but also high-level language code that is executed by a computer using an interpreter or the like.

Although the embodiments have been described above based on limited embodiments and drawings, those skilled in the art will appreciate that various modifications and variations may be made from the above description. For example, the described techniques may be performed in an order different from that described, and/or the components of the described systems, structures, devices, circuits, etc. may be combined or combined in a manner different from that described, or may be counterbalanced or replaced by other components or equivalents, and still achieve suitable results.

Therefore, different embodiments that are equivalent to the claims are within the scope of the appended claims.

Claims (16)

1. A method for managing a cryptocurrency wallet utilizing a computer device including at least one processor, comprising:
A step in which the at least one processor processes data for depositing funds into a first wallet in a warm form by transferring crypto assets to a user address provided by a service provider of a cryptocurrency system including the computer device;
The at least one processor processes data for pre-depositing user funds in a second wallet in hot form in response to a user request;
a step of transferring, by the at least one processor, funds calculated by aggregating funds deposited in the first wallet according to a preset first condition to a third wallet in a cold form managed by an offline signature key; and a step of transferring, by the at least one processor, funds calculated by aggregating user funds previously deposited in the second wallet according to a preset second condition from the third wallet to the second wallet. The method further includes: processing data by the at least one processor for reconciling funds between a fourth wallet in a cold form managed by an offline signing key and the third wallet;
Adjusting the funds includes:
When the balance of the third wallet exceeds a threshold, the excess funds are transferred to the fourth wallet;
When the balance of the third wallet falls below the threshold, transferring the amount of the fall from the fourth wallet to the third wallet;
At least one of
2. The method of claim 1, wherein an offline signature key for managing the fourth wallet has relatively higher authority than an offline signature key for managing the third wallet. 3. The method of claim 2, further comprising: the at least one processor providing a ratio of the balance in the second wallet to a total balance of the first wallet, the second wallet, the third wallet, and the fourth wallet. The step of providing the ratio comprises:
4. The method of claim 3, further comprising displaying said ratio on a display associated with said computer device or transmitting said ratio to a user terminal in electronic communication with said computer device. 3. The cryptocurrency wallet management method of claim 2, further comprising: providing the balance of any one of the first wallet, the second wallet, the third wallet, and the fourth wallet in a value corresponding to at least one type of real currency or at least one type of cryptocurrency by the at least one processor. 2. The cryptocurrency wallet management method of claim 1, further comprising: in response to an occurrence of an expense caused by the operation of the third wallet, the at least one processor transferring the expense from a warm fifth wallet associated with the service provider to the third wallet. The step of processing data for depositing funds into the first wallet includes:
2. The cryptocurrency wallet management method according to claim 1, further comprising the step of processing the transfer of funds to the first wallet based on crypto assets transferred from an external wallet to each user address assigned to the user. The step of processing data for pre-depositing user funds in the second wallet includes:
2. The cryptocurrency wallet management method of claim 1, characterized in that the withdrawal of at least a portion or all of the user's crypto assets associated with the cryptocurrency system is locked based on the user funds, and then a pre-withdrawal is performed using the service provider's crypto assets. The step of transferring the third wallet includes:
2. The cryptocurrency wallet management method according to claim 1, wherein funds received in the first wallet are transferred to the third wallet in accordance with at least one of the following first conditions: an amount of funds received in the first wallet is equal to or greater than a specific amount; and funds are transferred in specific time units. The step of transferring the third wallet to the second wallet includes:
2. The cryptocurrency wallet management method according to claim 1, wherein funds corresponding to the pre-deposited user funds are moved from the third wallet to the second wallet in accordance with at least one of the following second conditions: an amount of funds to be moved to the second wallet is equal to or greater than a specific amount; and funds are moved in specific time units. A computer program recorded on a computer-readable recording medium for causing a computer device to execute the method according to any one of claims 1 to 10 in combination with the computer device. at least one processor implemented to execute computer device readable instructions;
The at least one processor:
Processing data for depositing funds into a first wallet in a warm form by transferring crypto assets to a user address provided by a service provider of a cryptocurrency system including the computer device;
In response to a user request, process data for pre-depositing user funds in a hot second wallet;
a step of transferring funds calculated by aggregating funds deposited in the first wallet according to a preset first condition to a third wallet in a cold form managed by an offline signature key; and transferring funds calculated by aggregating user funds previously deposited in the second wallet according to a preset second condition from the third wallet to the second wallet. The at least one processor:
Processing data for adjusting funds between a fourth wallet in a cold form managed by an offline signing key and the third wallet;
Adjusting the funds includes:
When the balance of the third wallet exceeds a threshold, the excess funds are transferred to the fourth wallet;
When the balance of the third wallet falls below the threshold, transferring the amount of the fall from the fourth wallet to the third wallet;
At least one of
13. The computer device of claim 12, wherein an offline signing key for managing the fourth wallet has relatively higher authority than an offline signing key for managing the third wallet. In response to an occurrence of costs due to the operation of the third wallet, the at least one processor:
13. The computer device of claim 12, further comprising: transferring the fee from a warm fifth wallet associated with the service provider to the third wallet. To process data for depositing funds into the first wallet, the at least one processor:
The computer device according to claim 12, further comprising: a computer that processes a transfer of funds to the first wallet based on crypto assets transferred from an external wallet to each user address assigned to the user. To process data for pre-depositing user funds in the second wallet, the at least one processor:
The computer device of claim 12, further comprising: locking the withdrawal of at least a portion or all of the user's crypto assets associated with the cryptocurrency system based on the user funds, and then performing a pre-withdrawal of the service provider's crypto assets.

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