TWI847047B - System and method for digital currency management - Google Patents

Abstract

A system for digital currency management includes a first server unit and a second server unit. The first server unit stores a manager account. The second server unit stores a manager currency repository related to a specific digital currency. The second server unit is configured to: After the manager account receiving an order payment related to an applying unit, generating a digital currency payment in the manager currency repository, and transferring the digital currency payment to an applicant currency repository, wherein the digital currency payment is corresponding to the order payment, and the currency attribute of the digital currency payment is the specific digital currency.

Description

Digital currency management system and method

The present invention relates to a management system, in particular to a digital currency management system applied to digital currency. The present invention also relates to a digital currency management method implemented by the digital currency management system.

With the rise of electronic payments, the types of digital currencies circulating in the market have become increasingly diverse. How to make digital currency-related services more intuitive to use in order to enhance market recognition has become an issue worth exploring.

Therefore, one of the objects of the present invention is to provide a digital currency management system that is easier to use.

The digital currency management system of the present invention comprises a first servo unit and a second servo unit electrically connected to the first servo unit, wherein the first servo unit stores a management party account, and the second servo unit stores a management party currency library related to a specific digital currency. The second servo unit is used to generate a digital currency payment corresponding to the purchase payment and having a currency attribute of the specific digital currency in the management party currency library after the management party account receives a purchase payment related to an applicant unit, and then transfer the digital currency payment to an applicant currency library related to the applicant unit.

In some implementations of the digital currency management system of the present invention, the applicant's currency vault is stored in the second servo unit. The second servo unit generates the digital currency payment in the management party's currency vault by adding a balance parameter of a management party's special vault corresponding to the management party's currency vault to a predetermined distribution amount corresponding to the purchase amount and consistent with the digital currency payment. The second servo unit transfers the digital currency payment to the applicant's currency vault by deducting the predetermined distribution amount from the balance parameter of the management party's special vault and adding the predetermined distribution amount to a balance parameter of an applicant's special vault corresponding to the applicant's currency vault.

In some implementations of the digital currency management system of the present invention, the second server unit is also used to generate and store a purchase request processing record corresponding to the purchase amount based at least on the processing results of adding the manager's special treasury balance parameter to the scheduled distribution amount, deducting the manager's special treasury balance parameter from the scheduled distribution amount, and adding the applicant's special treasury balance parameter to the scheduled distribution amount.

In some implementation modes of the digital currency management system of the present invention, after the management party's currency vault receives another digital currency payment related to an applicant unit and the currency attribute is the specific digital currency, the first server unit transfers a return payment corresponding to the other digital currency payment and the currency attribute is a management institution's deposit currency from the management party's account to an applicant account related to the applicant unit.

In some implementations of the digital currency management system of the present invention, after the management party's currency vault receives the other digital currency payment, the second server unit will also deduct a predetermined return amount corresponding to the other digital currency payment from the balance parameter of a management party's special vault corresponding to the management party's currency vault.

In some implementations of the digital currency management system of the present invention, the second server unit also generates and stores a corresponding return request processing record for the digital currency funds based at least on the second server unit's own deduction of the predetermined return amount from the management party's special warehouse balance parameter and the first server unit's transfer of the return funds from the management party's account to the applicant's account.

In some implementations of the digital currency management system of the present invention, the subscription funds come from an applicant account related to the applicant unit and stored in the first server unit, and the currency attribute of the subscription funds is a management institution deposit currency.

Another object of the present invention is to provide a digital currency management method implemented by the digital currency management system.

The digital currency management method of the present invention is implemented by a digital currency management system, which stores a management account and a management currency vault related to a specific digital currency, and the digital currency management method includes: after the management account receives a purchase payment related to an applicant unit, the digital currency management system generates a digital currency payment corresponding to the purchase payment and the currency attribute is the specific digital currency in the management currency vault, and then transfers the digital currency payment to an applicant currency vault related to the applicant unit.

In some implementations of the digital currency management method of the present invention, the applicant's currency vault is stored in the digital currency management system. The digital currency management system generates the digital currency payment in the management party's currency vault by adding a balance parameter of a management party's special vault corresponding to the management party's currency vault to a predetermined distribution amount corresponding to the subscription payment and consistent with the digital currency payment. The digital currency management system transfers the digital currency funds to the applicant's currency vault by deducting the scheduled distribution amount from the management party's special vault balance parameter and adding the scheduled distribution amount to the applicant's special vault balance parameter corresponding to the applicant's currency vault.

In some implementations of the digital currency management method of the present invention, the digital currency management system also generates and stores a purchase request processing record corresponding to the purchase amount based on at least the processing results of adding the manager's special treasury balance parameter to the scheduled distribution amount, deducting the scheduled distribution amount from the manager's special treasury balance parameter, and adding the applicant's special treasury balance parameter to the scheduled distribution amount.

In some implementations of the digital currency management method of the present invention, after the digital currency management system receives another digital currency payment related to an applicant unit and the currency attribute is the specific digital currency, the digital currency management system transfers a return payment corresponding to the other digital currency payment and the currency attribute is a management institution deposit currency from the management party account to an applicant account related to the applicant unit.

In some implementations of the digital currency management method of the present invention, after the management party's currency vault receives the other digital currency payment, the digital currency management system will also deduct a predetermined return amount corresponding to the other digital currency payment from the balance parameter of a management party's special vault corresponding to the management party's currency vault.

In some implementations of the digital currency management method of the present invention, the digital currency management system also generates and stores a corresponding return request processing record for the digital currency funds based at least on the result of deducting the predetermined return amount from the manager's special treasury balance parameter and transferring the return funds from the manager's account to the applicant's account.

In some implementations of the digital currency management method of the present invention, the subscription funds come from an applicant account related to the applicant unit and stored in the digital currency management system, and the currency attribute of the subscription funds is a management institution deposit currency.

The effect of the present invention is that as long as the digital currency management system determines that the management party account has received the purchase amount, it will generate the first digital currency amount in the management party's currency vault and transfer the first digital currency amount from the management party's currency vault to the corresponding applicant's currency vault. Therefore, the applicant only needs to transfer the purchase amount from the applicant's account to the management party account to complete the purchase application for the specific digital currency quickly and conveniently without the need to perform other application procedures.

Before the invention is described in detail, it should be noted that, if not specifically defined, the "electrical connection" described in this patent specification generally refers to a "wired electrical connection" achieved by connecting multiple electronic devices/devices/components to each other through conductive materials, and a "radio connection" for unidirectional/bidirectional wireless signal transmission through wireless communication technology. Furthermore, if not specifically defined, the "electrical connection" described in this patent specification also generally refers to a "direct electrical connection" formed by directly connecting multiple electronic devices/devices/components to each other, and an "indirect electrical connection" formed by indirectly connecting multiple electronic devices/devices/components to each other through other electronic devices/devices/components.

Referring to FIG. 1 , an embodiment of the digital currency management system 1 of the present invention is used, for example, to process a purchase request and a redeem request for a specific digital currency, and the digital currency management system 1 is, for example, managed by a currency management institution responsible for supervising the specific digital currency. More specifically, for example, in this embodiment, the specific digital currency may be, for example, a central bank digital currency (CBDC), and the currency management institution may be, for example, a central bank, but is not limited thereto.

In the present embodiment, the digital currency management system 1 includes, for example, a first servo unit 11 and a second servo unit 12 electrically connected to the first servo unit 11. The first servo unit 11 and the second servo unit 12 may each include, for example, a plurality of servo devices electrically connected to each other. However, in a similar implementation, either the first servo unit 11 or the second servo unit 12 may also be implemented as a single servo device. Therefore, the specific implementation of the first servo unit 11 and the second servo unit 12 is not limited to the present embodiment.

In this embodiment, the first server unit 11 is, for example, a central bank interbank funds transfer and settlement system (also referred to as "central bank interbank funds system") of the monetary management institution. Moreover, the first server unit 11 stores, for example, a management account A11 belonging to the monetary management institution, and multiple applicant accounts A12 belonging to multiple applicant units (Figure 1 only shows one of them by way of example). Each applicant account A12 is, for example, opened in advance by the monetary management institution for the corresponding applicant unit, and each applicant unit can be, for example, a financial institution (such as a commercial bank), but is not limited thereto.

For ease of understanding, the present embodiment is mainly described below using the applicant account A12 shown in FIG. 1 , and it is assumed that the applicant unit to which the applicant account A12 belongs is a commercial bank A.

In this embodiment, the management party account A11 is used, for example, to store a management institution deposit currency owned by the currency management institution, and the applicant account A12 is used, for example, to store the management institution deposit currency owned by the commercial bank A. More specifically, for example, the management institution deposit currency in this embodiment may be, for example, a central bank deposit currency, but is not limited thereto.

On the other hand, in this embodiment, the second server unit 12 is used as a core account server system of the currency management institution, and the second server unit 12 stores, for example, a management party currency vault A21 belonging to the currency management institution, a plurality of applicant party currency vaults A22 respectively belonging to the applicant units (only one of which is shown in FIG. 1 ), and a plurality of user currency wallets A23 respectively belonging to a plurality of users.

In this embodiment, each applicant money vault A22 is opened in advance by the money management institution for the corresponding applicant unit, and each applicant money vault A22 is used to store the specific digital currency owned by the corresponding applicant unit (in this embodiment, the central bank digital currency). On the other hand, each user money wallet A23 is opened in advance for the user by one of the applicant units (such as the commercial bank A) according to the application of the corresponding user, and each user can be a legal person or a natural person, so that the users can use their own specific digital currency to conduct transactions through their respective user money wallets A23, but it is not limited to this.

For ease of understanding, the present embodiment is mainly explained below using the applicant money bank A22 shown in FIG. 1 , and it is assumed that the applicant money bank A22 also belongs to the commercial bank A. In other words, the applicant account A12 shown in FIG. 1 and the applicant money bank A22 correspond to each other.

With reference to FIG. 2 (composed of FIG. 2A and FIG. 2B ), the following takes the commercial bank A and its applicant account A12 and the applicant currency store A22 as an example to explain how the digital currency management system 1 of this embodiment implements a digital currency management method.

In this embodiment, the digital currency management method includes, for example, a digital currency purchase processing part (the process is shown in FIG. 2A ), and a digital currency re-cage processing part (the process is shown in FIG. 2B ). Taking the commercial bank A as an example, the digital currency purchase processing part is used for the commercial bank A to exchange its management institution deposit currency for a specific digital currency (in this embodiment, it is equivalent to exchanging the central bank deposit currency for the central bank digital currency), and the digital currency re-cage processing part is used for the commercial bank A to exchange its specific digital currency back to the management institution deposit currency (in this embodiment, it is equivalent to exchanging the central bank digital currency back to the central bank deposit currency).

Referring to FIG. 2A , the digital currency purchase processing portion of the digital currency management method will be described below.

First, in step S11, after the first server unit 11 determines that the management party account A11 has received a purchase payment, the second server unit 12 generates a digital currency payment corresponding to the purchase payment in the management party currency storehouse A21, and the currency attribute is the specific digital currency (in this embodiment, the central bank digital currency is used as an example). And, for the convenience of explanation, the digital currency payment is taken as a first digital currency payment in this embodiment.

In more detail, the subscription funds, for example, come from the applicant account A12 owned by the commercial bank A, and the currency attribute of the subscription funds, for example, is the deposit currency of the management institution (in this embodiment, the central bank deposit currency is used as an example). More specifically, the subscription funds can be transferred from the applicant account A12 to the management account A11 by the staff of the commercial bank A, but the present invention is not limited thereto.

On the other hand, in this embodiment, the second server unit 12 generates the first digital currency in the management currency storehouse A21 by, for example, adding a balance parameter of a management special storehouse corresponding to the management currency storehouse A21 to a predetermined distribution amount corresponding to the purchase amount and consistent with the first digital currency. The value of the balance parameter of the management special storehouse represents the balance of a specific digital currency in the management currency storehouse A21. For example, assuming that the exchange rate between the management institution's deposit currency and the specific digital currency is 1:1, and assuming that the current value of the management party's special treasury balance parameter is X, if the amount of the subscription is "100,0000", then the scheduled distribution amount is also "100,0000", and the second server unit 12 generates the first digital currency payment in the management party's currency vault A21, for example, by adding "100,0000" to the value of the management party's special treasury balance parameter. In this way, the value of the management party's special treasury balance parameter will be updated from "X" to "X+100,0000", but is not limited to this.

To further explain, in the present embodiment, the second server unit 12, for example, generates the first digital currency amount in the management party's currency vault A21 according to the digital currency distribution instruction when receiving a digital currency distribution instruction, and the digital currency distribution instruction may, for example, at least include the amount of the application amount and an account identification data corresponding to the applicant's currency vault A22. To be more specific, in the present embodiment, the digital currency distribution instruction is, for example, automatically and instantly generated by the first server unit 11 and transmitted to the second server unit 12 when the management account A11 receives the purchase amount. However, in other embodiments, the digital currency distribution instruction may also be input into the second server unit 12 by manual operation, and is not limited to the present embodiment.

After the second server unit 12 generates the first digital currency payment in the management currency storehouse A21, the process proceeds to step S12.

In step S12, the second server unit 12 further transfers the first digital currency from the management currency vault A21 to the applicant currency vault A22 owned by the commercial bank A according to the digital currency distribution instruction.

In this embodiment, the second servo unit 12 transfers the first digital currency to the applicant's currency bank A22 by, for example, deducting the scheduled distribution amount from the current value of the management bank's balance parameter and adding the scheduled distribution amount to an applicant's currency bank's balance parameter corresponding to the applicant's currency bank A22. More specifically, the value of the applicant's currency bank's balance parameter represents the balance of a specific digital currency in the applicant's currency bank A22. Furthermore, continuing with the previous example, assuming that the current value of the applicant's special treasury balance parameter is "Y", and the value of the management party's special treasury balance parameter is updated to "X+100,0000" in step S11, the second server unit 12 transfers the first digital currency amount to the applicant's currency treasury A22 by, for example, deducting "100,0000" from the current value "X+100,0000" of the management party's special treasury balance parameter, and adding "100,0000" to the current value "Y" of the applicant's special treasury balance parameter. In this way, the value of the manager's special fund balance parameter will be updated from "X+100,0000" to "X", and the value of the applicant's special fund balance parameter will be updated from "Y" to "Y+100,0000", but this is not limited to this.

After the second server unit 12 transfers the first digital currency from the management currency bank A21 to the applicant currency bank A22, the process proceeds to step S13.

In step S13, the second server unit 12, for example, generates a purchase request processing record corresponding to the purchase amount based on at least its own processing process, time and results of adding the management party's special treasury balance parameter to the predetermined distribution amount, deducting the predetermined distribution amount from the management party's special treasury balance parameter, and adding the applicant's special treasury balance parameter to the predetermined distribution amount, and, for example, stores the purchase request processing record in a digital currency payment processing database (not shown), and the digital currency payment processing database may, for example, be pre-stored in the second server unit 12, but is not limited to this.

After the second server unit 12 stores the purchase request processing record in the digital currency payment processing database, the digital currency purchase processing part of the digital currency management method of this embodiment ends.

It should be particularly noted that, in the present embodiment, as long as the digital currency management system 1 determines that the management account A11 has received the purchase amount from the applicant account A12, it will automatically generate the first digital currency amount in the management currency vault A21, and transfer the first digital currency amount from the management currency vault A21 to the applicant currency vault A22 owned by the corresponding applicant unit. In other words, the subscription amount in this embodiment is equivalent to a subscription request for the specific digital currency. That is to say, the commercial bank A only needs to transfer the subscription amount from the applicant account A12 to the management account A11 to complete the subscription application for the specific digital currency quickly and easily without the need to perform other application procedures.

On the other hand, when the second servo unit 12 completes the execution of step S11, for example, it immediately continues to execute step S12. Therefore, in the digital currency management method of this embodiment, the value of the balance parameter of the management party's special warehouse is, for example, updated from "X" to "X+100,0000" before step S11, and then immediately updated from "X+100,0000" to "X" in step S12. In other words, the value of the balance parameter of the management party's special warehouse is first "added" to the scheduled distribution amount, and then immediately "subtracted" from the scheduled distribution amount, and is almost always maintained at X, and the value of X can be, for example, "0", but is not limited thereto. By transferring the first digital currency funds by "adding and subtracting" the balance parameter of the management party's special treasury, this embodiment can determine whether the second server unit 12 has successfully completed the distribution of all digital currency funds by checking whether the balance parameter of the management party's special treasury is maintained at X (for example, 0), and it also helps the second server unit 12 to generate clear and complete purchase request processing records for the generation and transfer process of the first digital currency funds.

The above is an example explanation of the digital currency purchase processing part of the digital currency management method of this embodiment.

Referring to FIG. 2B , the following will continue to use the commercial bank A and its applicant account A12 and the applicant currency vault A22 as an example to explain the digital currency return processing part of the digital currency management method.

First, in step S21, when the second servo unit 12 determines that the management party money storehouse A21 has received another digital currency payment, the second servo unit 12, for example, destroys the other digital currency payment in the management party money storehouse A21. And, for the convenience of explanation, the other digital currency payment is referred to as a second digital currency payment in this embodiment.

In more detail, the second digital currency payment, for example, comes from the applicant currency bank A22 owned by the commercial bank A, and the currency attribute of the second digital currency payment, for example, is the specific digital currency (in this embodiment, the central bank digital currency is used as an example). More specifically, the second digital currency payment can be, for example, transferred from the applicant currency bank A22 to the management currency bank A21 by the personnel of the commercial bank A, but is not limited thereto.

On the other hand, the second server unit 12 destroys the second digital currency by, for example, deducting a predetermined return amount corresponding to the second digital currency from the balance parameter of the management-side special warehouse corresponding to the management-side money bank A21. For example, assume that the value of the balance parameter of the management-side special warehouse before the management-side money bank A21 receives the second digital currency is X, and assume that the amount of the second digital currency is "50,0000". In this case, when the management party currency vault A21 receives the second digital currency payment, the value of the management party special vault balance parameter will be updated from "X" to "X+50,0000", and the predetermined return amount will also be set to "50,0000" by the second server unit 12. Moreover, the second server unit 12 destroys the second digital currency payment by, for example, deducting "50,0000" from the value of the management party special vault balance parameter, so that the value of the management party special vault balance parameter will be updated from "X+50,0000" to "X", but the present invention is not limited thereto.

Furthermore, in the present embodiment, after destroying the second digital currency, the second servo unit 12, for example, also generates and transmits a deposit money transfer instruction corresponding to the second digital currency to the first servo unit 11, and the deposit money transfer instruction may, for example, at least include the predetermined return amount and account identification information corresponding to the applicant account A12. In the present embodiment, the deposit money transfer instruction is, for example, automatically and instantly generated and transmitted to the first servo unit 11 by the second servo unit 12 upon completing the destruction of the second digital currency. However, in other embodiments, the deposit money transfer instruction may also be input into the first servo unit 11, for example, by manual operation, and is not limited to the present embodiment.

After the second server unit 12 destroys the second digital currency in the management currency storehouse A21, the process proceeds to step S22.

In step S22, when the first servo unit 11 receives the deposit currency transfer instruction, the first servo unit 11 transfers a return fund corresponding to the second digital currency and whose currency attribute is the deposit currency of the management institution (in this embodiment, the central bank's deposit currency is taken as an example) from the management party account A11 to the applicant account A12 owned by the commercial bank A according to the deposit currency transfer instruction.

Continuing with the previous example, assuming that the predetermined repatriation amount is "50,0000" and the exchange rate between the management institution's deposit currency and the specific digital currency is 1:1, the amount of the repatriated funds will also be, for example, "50,0000". In other words, the first server unit 11, for example, transfers the management institution's deposit currency of an amount of "50,0000" from the management party account A11 to the applicant account A12 of the commercial bank A, but is not limited to this.

After the first server unit 11 transfers the returned funds from the management account A11 to the applicant account A12, the process proceeds to step S23.

In step S23, the second server unit 12, for example, generates a return request processing record corresponding to the second digital currency payment based on at least its own processing process, time and result of deducting the predetermined return amount from the management party's special warehouse balance parameter, and the processing process, time and result of the first server unit 11 transferring the return payment from the management party account A11 to the applicant account A12, and for example stores the return request processing record in the digital currency payment processing database, but is not limited to this.

After the second server unit 12 stores the return request processing record in the digital currency payment processing database, the digital currency return processing part of the digital currency management method of this embodiment ends.

It should be particularly noted that in the present embodiment, as long as the digital currency management system 1 determines that the management currency vault A21 has received the second digital currency payment, it will automatically destroy the second digital currency payment in the management currency vault A21, and transfer the corresponding returned funds from the management account A11 to the applicant account A12 owned by the corresponding applicant unit. In other words, the second digital currency amount in this embodiment is equivalent to a repatriation request for applying for the repatriation of the specific digital currency. That is to say, the commercial bank A only needs to transfer the second digital currency amount from the applicant's currency bank A22 to the management bank's currency bank A21 to conveniently and quickly complete the repatriation application for the specific digital currency without the need to perform other application procedures.

On the other hand, when the second servo unit 12 determines that the management party currency storehouse A21 has received the second digital currency payment, for example, the second digital currency payment is immediately destroyed. Therefore, in the digital currency management method of this embodiment, the value of the balance parameter of the management party special storehouse is first updated from "X" to "X+50,0000" in step S21, and then immediately updated from "X+50,0000" to "X". In other words, the value of the balance parameter of the management party special storehouse is first "added" to the amount of the second digital currency payment, and then immediately "subtracted" from the predetermined return amount. Similar to the digital currency purchase processing part, the value of the management party's special warehouse balance parameter will almost always remain at X, and the value of X can be, for example, "0". Therefore, this embodiment can also determine whether the second server unit 12 has successfully completed the return of all digital currency funds by checking whether the management party's special warehouse balance parameter is maintained at X, and it also helps the second server unit 12 to generate clear and complete purchase request processing records for the destruction of the second digital currency funds and the transfer of the returned funds.

The above is an example explanation of the digital currency return processing part of the digital currency management method of this embodiment.

It should be understood that steps S11 to S13, steps S21 to S23 and the flowchart of FIG2 of this embodiment are only used to illustrate one feasible implementation of the digital currency management method, and even if the above steps are combined, split or adjusted in sequence, if the same effect as the present embodiment can be achieved, it still belongs to the feasible aspects of the digital currency management method of the present invention. Therefore, the above steps of this embodiment and the flowchart of FIG2 are not used to limit the feasible scope of the present invention.

In addition, it is particularly noted that the digital currency purchase processing part and the digital currency return processing part can be implemented independently of each other. Moreover, for one of the applicant accounts A12 and its corresponding applicant currency bank A22 (for example, the applicant account A12 and the applicant currency bank A22 owned by a commercial bank B), the digital currency management system 1 can only implement one of the digital currency purchase processing part and the digital currency return processing part. For example, the commercial bank B may only apply for the specific digital currency but not recycle it, or after receiving the specific digital currency from other applicants, it may only recycle it without applying for it. Therefore, there is no sequential relationship between the digital currency application processing part and the digital currency recycle processing part of the digital currency management method.

In summary, by implementing the digital currency management method, the digital currency management system 1 can allow the applicant to conveniently and quickly apply for the purchase and/or return of the specific digital currency. Moreover, since the applicant account A12 and the applicant currency vault A22 are both stored in the digital currency management system 1, the digital currency management system 1 can correctly and efficiently complete the purchase request and return request for the specific digital currency, and can indeed achieve the purpose of the present invention.

However, the above is only an example of the implementation of the present invention, and it cannot be used to limit the scope of the implementation of the present invention. All simple equivalent changes and modifications made according to the scope of the patent application of the present invention and the content of the patent specification are still within the scope of the patent of the present invention.

1: Digital currency management system 11: First server unit A11: Administrator account A12: Applicant account 12: Second server unit A21: Administrator currency library A22: Applicant currency library A23: User currency wallet S11~S13: Steps S21~S23: Steps

Other features and functions of the present invention will be clearly presented in the implementation method with reference to the drawings, wherein: FIG. 1 is a block diagram of an implementation example of the digital currency management system of the present invention; and FIG. 2 (composed of FIG. 2A and FIG. 2B) is a flow chart for exemplarily illustrating how the implementation example implements a digital currency management method, wherein FIG. 2A shows a digital currency purchase processing part included in the digital currency management method, and FIG. 2B shows a digital currency return processing part included in the digital currency management method.

1: Digital currency management system

11: First servo unit

A11:Administrator account

A12: Applicant account

12: Second servo unit

A21: Management currency library

A22: Applicant's currency bank

A23: User currency wallet

Claims (14)

A digital currency management system includes: a first server unit storing a management account and an applicant account belonging to an applicant unit and used to store a management institution deposit currency; and a second server unit electrically connected to the first server unit and storing a management currency library related to a specific digital currency and an applicant currency library belonging to the applicant unit; wherein the first server unit is used to receive a transaction from the management account When the purchase amount is transferred from the applicant's account, a digital currency distribution instruction is automatically generated and transmitted to the second server unit. When the second server unit receives the digital currency distribution instruction, it generates a digital currency payment that matches the amount of the purchase amount and has the currency attribute of the specific digital currency in the management party's currency library according to the digital currency distribution instruction, and then transfers the digital currency payment to the applicant's currency library belonging to the applicant unit. A digital currency management system comprises: a first server unit storing a management account and an applicant account belonging to an applicant unit and used to store a management institution deposit currency; and a second server unit electrically connected to the first server unit and storing a management currency library related to a specific digital currency and an applicant currency library belonging to the applicant unit; wherein the first server unit is used to automatically and instantly generate and transmit a digital currency distribution instruction to the second server unit when the management account receives a purchase amount transferred from the applicant account, and the second server unit is used to, upon receiving the digital currency distribution instruction, distribute the digital currency according to the digital currency. The digital currency distribution instruction generates a digital currency payment in the currency vault of the management party that matches the amount of the subscription payment and has the currency attribute of the specific digital currency, and then transfers the digital currency payment to the currency vault of the applicant belonging to the applicant unit; the second server unit generates the subscription payment and transfers the digital currency payment to the currency vault of the applicant The method includes adding a balance parameter of a management party's special treasury corresponding to the management party's currency treasury to a predetermined distribution amount that matches the purchase amount and the digital currency amount, then immediately deducting the predetermined distribution amount from the balance parameter of the management party's special treasury, and adding a balance parameter of an applicant's special treasury corresponding to the applicant's currency treasury to the predetermined distribution amount. The digital currency management system as described in claim 2, wherein the second server unit is also used to generate and store a purchase request processing record corresponding to the purchase amount based on at least the processing results of adding the management party's special warehouse balance parameter to the scheduled distribution amount, deducting the management party's special warehouse balance parameter from the scheduled distribution amount, and adding the applicant's special warehouse balance parameter to the scheduled distribution amount. A digital currency management system as described in any one of claim items 1 and 2, wherein the first server unit transfers a return payment corresponding to the other digital currency payment and the currency attribute of the management institution's deposit currency from the management party account to an applicant account related to the applicant unit after the management party's currency vault receives another digital currency payment related to an applicant unit and the currency attribute of the specific digital currency. As described in claim 4, the second server unit, after the management party's currency vault receives the other digital currency payment, also deducts a predetermined return amount corresponding to the other digital currency payment from the management party's special vault balance parameter corresponding to the management party's currency vault. The digital currency management system as described in claim 5, wherein the second server unit also generates and stores a corresponding processing record of the digital currency payment request based on at least the second server unit's own processing result of deducting the predetermined return amount from the manager's special warehouse balance parameter and the first server unit's processing result of transferring the return amount from the manager's account to the applicant's account. A digital currency management system as described in any one of claim items 1 and 2, wherein the subscription amount comes from an applicant account related to the applicant unit and stored in the first server unit, and the currency attribute of the subscription amount is the deposit currency of the management institution. A digital currency management method is implemented by a digital currency management system. The digital currency management system includes a first server unit and a second server unit. The first server unit stores a management party account and an applicant account belonging to an applicant unit and used to store a management institution deposit currency. The second server unit stores a management party currency library related to a specific digital currency and an applicant currency library belonging to the applicant unit. The digital currency management method includes: the first server unit stores a management party account and an applicant account belonging to an applicant unit and used to store a management institution deposit currency. The unit automatically generates and transmits a digital currency distribution instruction to the second server unit when the management account receives a purchase amount transferred from the applicant account; and the second server unit generates a digital currency payment that matches the amount of the purchase amount and has the currency attribute of the specific digital currency in the management currency storehouse according to the digital currency distribution instruction when receiving the digital currency distribution instruction, and then transfers the digital currency payment to the applicant currency storehouse belonging to the applicant unit. A digital currency management method is implemented by a digital currency management system, the digital currency management system comprising a first server unit and a second server unit, the first server unit stores a management party account and an applicant account belonging to an applicant unit and used to store a management institution deposit currency, the second server unit stores a The digital currency management method comprises: the first servo unit automatically generates and transmits a digital currency distribution instruction to the second servo unit when the management account receives a purchase amount transferred from the applicant account; and the second servo unit automatically generates and transmits a digital currency distribution instruction to the second servo unit when the management account receives a purchase amount transferred from the applicant account; When issuing an instruction, a digital currency payment that matches the amount of the subscription payment and has a currency attribute of the specific digital currency is generated in the management party's currency vault according to the digital currency distribution instruction, and then the digital currency payment is transferred to the applicant's currency vault belonging to the applicant unit, wherein the second server unit generates the subscription payment and transfers the digital currency payment to the management party's currency vault. The method of the applicant's currency vault includes adding a balance parameter of a management vault corresponding to the management vault to a predetermined distribution amount corresponding to the purchase amount and the digital currency amount, then immediately deducting the predetermined distribution amount from the balance parameter of the management vault, and adding the predetermined distribution amount to the balance parameter of an applicant's vault corresponding to the applicant's currency vault. The digital currency management method as described in claim 9, wherein the second server unit also generates and stores a purchase request processing record corresponding to the purchase amount based on at least the processing results of adding the management party's special warehouse balance parameter to the scheduled distribution amount, deducting the management party's special warehouse balance parameter from the scheduled distribution amount, and adding the applicant's special warehouse balance parameter to the scheduled distribution amount. A digital currency management method as described in any one of claim items 8 and 9, wherein, after the management party currency vault receives another digital currency payment related to an applicant unit and the currency attribute is the specific digital currency, the first server unit transfers a return payment corresponding to the other digital currency payment and the currency attribute is the management institution deposit currency from the management party account to an applicant account related to the applicant unit. The digital currency management method as described in claim 11, wherein, after the management party's currency vault receives the other digital currency payment, the second server unit also deducts a predetermined return amount corresponding to the other digital currency payment from the management party's special vault balance parameter corresponding to the management party's currency vault. The digital currency management method as described in claim 12, wherein the second server unit also generates and stores a corresponding return request processing record of the digital currency funds based on at least its own processing result of deducting the predetermined return amount from the manager's special warehouse balance parameter and transferring the return funds from the manager's account to the applicant's account. A digital currency management method as described in any one of claim items 8 and 9, wherein the subscription amount comes from an applicant account related to the applicant unit and stored in the first server unit, and the currency attribute of the subscription amount is the deposit currency of the management institution.

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