KR101936759B1 - Apparatus and Method for KYC using KYC blockchain - Google Patents

Abstract

The present invention relates to an apparatus for performing KYC using a blockchain and a method thereof. To this end, according to the present invention, the method comprises a step in which a KYC node receives a request for deposit/withdrawal permission or denial information on account information and identification information from a service server; a first indexing step in which the KYC node indexes the account information or the identification information from a KYC blockchain stored in a memory module of the KYC node; a secondary indexing step in which if the deposit/ withdrawal permission or denial information is not previously stored in the first indexing step, the KYC node indexes an associated account which is an account that has been directly or indirectly traded with the account information from a public blockchain including an account of the account information, and generates the associated account; a step in which the KYC node transmits the associated account to the service server; a step in which the KYC node receives the deposit/withdrawal permission or denial information on account information and identification information; and a blockchain recording step in which the KYC node generates and distributes a KYC transaction, which is a transaction for the account information, identification information and deposit/withdrawal permission or denial information to the KYC blockchain.

Description

[0001] The present invention relates to an apparatus and a method for performing a KYC block using a KYC block chain,

The present invention relates to an apparatus and a method for performing a KYC using a block chain.

The block chain can be applied to various technical fields, but it has developed as a technology for implementing encrypted currency (or virtual currency) as facilitating fundraising by ICO (Initial Coin Offering). For example, by using block-chaining technology, bit-coin is achieving the same value as a currency, even if a third party such as a central bank does not secure value, unlike a general currency. Before the invention of the block chain, 'middle man' was needed to guarantee the value of electronic money to replace the money or to manage the transaction record of the money. However, by using the block chain, a specific encrypted currency can function as real money without a third party organization by the following structure.

(1) Blocks are sorted by time, and blocks contain transaction records and connection information for the previous blocks, making it difficult to forge or tamper with.

(2) Transparency is high and double payment is difficult by adopting a decentralized ledger structure.

For the above reasons, the encrypted currency can be secured as a currency. Encrypted currencies with such properties are published publicly, such as Bitcoin, Litecoin, Ripple, Etherium, Dash, and Monero. In particular, large-scale fundraising is being conducted for specific tokens through ICO (Initial Coin Offering). Although these various types of encrypted money are issued, they are divided into those which are mainly used and those which are not used due to the network effect.

In addition, various applications using block chains (Dapp) have been attempted. For example, international remittance services such as Sentbe, Align Commerce, and Moin, credit services, such as Bank of America and HSBC Holdings, various financing, electricity sales services, content services such as Steemit and Streamium, , Blockai, etc., transaction tracking services such as Everledger, and contract management and execution services of Visa and Docusign.

Encrypted money transactions on exchanges such as Bitrex, Bithumb, and Bitfinex have expanded to the general public and fundraising has been increasing with ICO. In order to know the identity of traders, investors, buyers and users as well as existing financial transactions, KYC (Know Your Customer) procedures have begun to be used.

In order for users (including traders, investors, buyers) to use various ICOs, exchanges, and Dapps, KYC (Know Your Customer) procedures should be preceded. The ICO's KYC procedure generally proceeds as follows.

(1) The token buyer enters the buyer's information (user's language, name, e-mail address, encrypted wallet address, quantity to buy token,

(2) the token seller decides whether to register in the White List based on the buyer information, and determines whether to buy the encrypted money wallet address (for example, ETH wallet address) of the buyer information of the token buyer registered in the White List Record quantity (for example, purchase of 100 ETH token) in ICO's Smart Agreement

In step 2 above, the token seller will not register the following token buyer in the White List of the ICO Smart Agreement.

(1) Citizens of prohibited ICO countries (eg, the United States, China, Singapore, etc.)

(2) You have not submitted the information and documents required for the KYC procedure.

(3) Inadequate accounts (eg, illegal money laundering, terrorist financing, etc.)

Tokens sent from wallet addresses not listed in the White List of the ICO Smart Contract will be returned immediately or ICO Tokens will not be exchanged.

These complex KYC procedures are duplicated every time every ICO, exchange subscription, and Dapp use. This has become an entry barriers for users (Token buyers, investors, Dapp users, etc.) to use block chaining services, and it is also important for service providers (token sellers, exchange operators, Dapp operators, etc.) There is a problem that makes it difficult to do so.

Korean Patent No. 10-1751025, a smart system for trading stock based blockchain based on block chain, Korean Patent Registration No. 10-1758870, Mining Management System and Mining Management Method Thereof (Mining Rig Monitoring System and Mining Rig Monitoring Method In Using Same) U.S. Published Patent Application No. US 2016/0342989 A1, Method and system for processing blockage-based transactions on existing payment networks, Mastercard International Incorporated U.S. Published Patent, US 2016/0292672 A1, Systems and methods of blockchain transaction recordation, Nasdaq, Inc. U.S. Published Patent, US 20170132615 A1, Block chain alias for person-to-person payments, Bank Of America Corporation Korean Patent Registration No. 10-1857223, a block chain token-based user identification method and system,

SUMMARY OF THE INVENTION Accordingly, it is an object of the present invention to provide an apparatus and method for performing a KYC using a block chain in which a KYC procedure can be performed by a plurality of service subjects in order to solve the above problems.

Hereinafter, specific means for achieving the object of the present invention will be described.

An object of the present invention is to provide a KYC node, which is a request for deposit / withdrawal permission / denial of receipt of a request for deposit / withdrawal permission information on account information and identification information in a service server; A primary indexing step in which the KYC node indexes the account information or the identification information in a KYC block chain stored in a memory module of the KYC node; When the deposit / withdrawal allowance information is not stored in the first indexing step, the KYC node transmits the account information in the public block chain including the account information of the account information, A second indexing step of indexing the related account information and generating relationship account information; A relationship account information transmission step in which the KYC node transmits the relationship account information to the service server; Receiving information on deposit / withdrawal allowance / non-receipt of the account information and the deposit / withdrawal allowance information on the identification information from the service server; And a block chain recording step of causing the KYC node to generate and distribute a KYC transaction, which is a transaction for the account information, the identification information, and the deposit / withdrawal allowance information, to the KYC block chain, When the deposit / withdrawal allowance information is stored in advance, the KYC node transmits the deposit / withdrawal allowance information previously stored in the service server, and the relational account information includes an address of the relational account, The transaction relationship distance information of the relationship account, and the deposit / withdrawal allowance information of the relationship account.

Also, the KYC node may request a deposit / withdrawal permission / denial from the service server to receive a request for deposit / withdrawal permission information on account information and identification information; A primary indexing step in which the KYC node indexes the account information or the identification information in a KYC block chain stored in a memory module of the KYC node; When the deposit / withdrawal allowance information is not stored in the first indexing step, the KYC node creates a new block in the KYC block chain and distributes the account information to the entire block chain network of the KYC block chain An account information distribution step; A second indexing step in which the KYC node indexes a relationship account, which is an account in which a transaction has been performed directly or indirectly with the account information, in a public block chain including an account of the account information, and generates relationship account information; A proof step of verifying the block satisfying a specific condition for the relation account indexed by the KYC node; A relationship account information transmission step in which the KYC node transmits the relationship account information to the service server; Receiving information on deposit / withdrawal allowance / non-receipt of the account information and the deposit / withdrawal allowance information on the identification information from the service server; And a block chain recording step of causing the KYC node to generate and distribute a KYC transaction, which is a transaction for the account information, the identification information, and the deposit / withdrawal allowance information, to the KYC block chain, When the deposit / withdrawal allowance information is stored in advance, the KYC node transmits the deposit / withdrawal allowance information previously stored in the service server, and the relational account information includes an address of the relational account, The transaction relationship distance information of the relationship account, and the deposit / withdrawal allowance information of the relationship account.

Another object of the present invention is to provide a memory module for storing a KYC program code and a KYC block chain; And a processing module for processing the KYC program code, wherein the KYC program code comprises: a deposit and withdrawal allowance request step of receiving a request for withdrawal allowance information on account information and identification information from a service server; A first indexing step of indexing the account information or the identification information in the KYC block chain stored in the memory module; When the deposit / withdrawal allowance information has not been stored in the first indexing step, a relationship account, which is an account that is directly or indirectly traded with the account information, is indexed in a public block chain including an account of the account information, A second indexing step of generating account information; Transmitting the relationship account information to the service server; A deposit / withdrawal allowance information receiving step of receiving the account information and the deposit / withdrawal allowance information on the identification information from the service server; And a block chain recording step of creating and distributing a KYC transaction, which is a transaction for the account information, the identification information, and the deposit / withdrawal allowance information, to the KYC block chain, on the computer, When the deposit / withdrawal allowance information is stored in the indexing step, the deposit / withdrawal allowance information previously stored in the service server is transmitted, and the relational account information includes an address of the relational account, Transaction relationship distance information, and paying-out permission / non-payment information of the relationship account.

Another object of the present invention is to provide a memory module for storing a KYC program code and a KYC block chain; And a processing module for processing the KYC program code, wherein the KYC program code comprises: a deposit and withdrawal allowance request step of receiving a request for withdrawal allowance information on account information and identification information from a service server; A first indexing step of indexing the account information or the identification information in the KYC block chain stored in the memory module; When the deposit / withdrawal allowance information is not stored in the first indexing step, a new block is created in the KYC block chain, and account information distribution is performed to distribute the account information to the entire block chain network of the KYC block chain step; A second indexing step of indexing a relationship account in a public block chain including an account of the account information, the account being a transaction performed directly or indirectly with the account information, and generating relationship account information; A proof step of verifying the block satisfying a specific condition for the indexed relationship account; Transmitting the relationship account information to the service server; A deposit / withdrawal allowance information receiving step of receiving the account information and the deposit / withdrawal allowance information on the identification information from the service server; And a block chain recording step of creating and distributing a KYC transaction, which is a transaction for the account information, the identification information, and the deposit / withdrawal allowance information, to the KYC block chain, on the computer, When the deposit / withdrawal allowance information is stored in the indexing step, the deposit / withdrawal allowance information previously stored in the service server is transmitted, and the relational account information includes an address of the relational account, Transaction relationship distance information, and paying-out permission / non-payment information of the relationship account.

As described above, the present invention has the following effects.

First, according to the embodiment of the present invention, the redundancy of resources used in the KYC procedure is reduced.

Second, according to the embodiment of the present invention, the KYC procedure can be performed by a plurality of subjects without incurring a violation of the Personal Information Protection Act.

Thirdly, according to an embodiment of the present invention, an effect of facilitating AML (Anti-Money Laundering) verification, such as verification of a nickname account of a user who fails to register a White List, occurs.

BRIEF DESCRIPTION OF THE DRAWINGS The accompanying drawings, which are incorporated in and constitute a part of the specification, illustrate preferred embodiments of the invention and together with the description, serve to explain the principles of the invention. .
1 is a schematic diagram showing a KYC performance system using a block chain according to an embodiment of the present invention;
2 is a flowchart illustrating a method of performing a KYC using a block chain according to an embodiment of the present invention.
3 is a schematic diagram showing a structure of a KYC block chain according to an embodiment of the present invention.
FIG. 4 is a schematic diagram illustrating a data structure of relationship account information according to an exemplary embodiment of the present invention; FIG.
FIG. 5 is a flowchart illustrating a method of performing a KYC using a block chain including a modified POW aggregation method according to an embodiment of the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings. In the following detailed description of the operation principle of the preferred embodiment of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may unnecessarily obscure the subject matter of the present invention.

The same reference numerals are used for portions having similar functions and functions throughout the drawings. In the specification, when a specific portion is connected to another portion, it includes not only a direct connection but also a case where the other portion is indirectly connected with another element in between. In addition, the inclusion of a specific constituent element does not exclude other constituent elements unless specifically stated otherwise, but may include other constituent elements.

KYC implementer using block chain

1 is a schematic diagram showing a KYC performance system using a block chain according to an embodiment of the present invention. 1, a service server 200, a KYC node (a KYC performing device 400), a public block chain 500, and a KYC block chain 30 may be included. Hereinafter, for convenience of description, a KYC node and a KYC performing apparatus are used in combination.

The service server 200 has a configuration such as an ICO, an encrypted money exchange, and a web server that services various Dapp (Decentralized Application) services. For example, when a specific user intends to purchase a token in a specific ICO project, a web page output to the client of the user through the service server 200 may include identification information (such as a language used, a name, Address (account information), the quantity of the tokens desired to be purchased, and a picture of the person who took the identification card so as to recognize the face), and requests the KYC registration (registration of the white list). In addition, the service server 200 may be connected to the KYC node 400 to request the KYC block chain 30 for a transaction for status change of specific user information, or to request a query for a search of a transaction. In addition, the service server 200 may be configured to request the KYC node 400 to record deposit / withdrawal allowance information on account information and identification information of a specific user in the KYC block chain 30.

The KYC node 400 refers to one node connected to the service server 200 among a plurality of nodes constituting the network of the KYC block chain 30. The KYC node 400 refers to a node in the KYC block chain 30, In the case of requesting the state change of information, a message transaction is sent to the KYC block chain 30 to generate a transaction, to record and distribute the transaction. The KYC node 400 may serve as a node of the KYC block chain 30 as well as a node of a plurality of nodes constituting the network of the public block chain 500, , It is possible to index the relationship account and generate the relationship account information, which is an account in which transactions have been performed directly or indirectly with specific account information.

The KYC node 400 may be one of nodes of a distributed network that is a KYC block and a node of a distributed network that is a public block, and may be a communication module 10, a processing module 11, a memory module 12). In particular, the KYC node 400 is configured to enable transaction recording for the KYC block chain, but can only be configured to allow transaction indexing for the public block chain.

The block chain distributed network means a P2P distributed network composed of a plurality of nodes storing a distributed branch of a block chain. The KYC block chain 30 and the public block chain 500 are the same. The block chain distributed network is characterized in that at least some nodes are configured to perform the same processing, so that even if some nodes are shut down or modulated, they do not affect the entire system. A node may refer to any computing device connected to a block-chain distributed network. These nodes may include digital wallets, block-chain copies, verification engines, mining engines, P2P network distribution functions (broadcasts), and may include clients that are made up of slightly more lightweight features. The block-chain distribution network according to an exemplary embodiment of the present invention may include a hybrid P2P including a pure P2P and a super node.

With reference to the types of nodes, the reference client is a digital wallet management module for users, the mining module for block mining when the agreement algorithm is a proof of work (POW) A block chain database that stores all or at least a portion of the entire block chain, a node that includes a network routing module that broadcasts a transaction to a block chain distributed network, It can mean, for example, the Bitcoin Core Client. A Full Node may refer to a node including a block chain database, a network routing module. The Solo Miner Node may refer to a node including a mining module, a block chain database, and a network routing module. A mining node may be a light node including a gateway router connected to a pool mining node, which means a node of a mining pool, and a mining module. A lightweight wallet node typically stores only the header information of a block chain, holds a digital wallet management module to store the user's digital wallet, and includes a network routing module, but does not include a block chain database To create a transaction or access a block-chain distributed network, it may refer to a light node that depends on a server owned by a third party. For the KYC block chain 30, a KYC node 400 according to an embodiment of the present invention may refer to nodes comprising at least a block chain database and a network routing module among the above nodes. For a public block chain, the KYC node 400 according to an embodiment of the present invention may mean nodes including at least a gateway router module. That is, in the KYC node 400 according to the embodiment of the present invention, the KYC block chain 30 and the public block chain 500 store the memory modules or at least the KYC block chain 30 and the public block chain 500, May be configured to be coupled to other nodes stored in the memory module.

The communication module of the KYC node 400 includes a network routing module that broadcasts a transaction to a block chain distributed network or a gateway router that is connected to a pool mining node ) And the like.

The processing module of the KYC node 400 is a module for processing contents of a transaction stored in a block of a block chain which is a distributed ledger stored in a memory module. The processing module according to an embodiment of the present invention may be configured as a virtual machine (VM) such as an Ethereum Virtual Machine and configured to process a Smart Contract of the KYC block chain 30 or the public block chain 500 have. This virtual machine is a runtime for executing Byte Code that is generated by compiling code (Smart Contract, Smart Contract) created in a high level language such as Mutan, LLL, Serpent, Solidity and the like. In addition to OPCODE and Stack, It is also the subject of using Storage.

The memory module of the KYC node 400 is a module for storing the KYC block chain 30 or the public block chain 500 as a distributed ledger and includes a block chain database storing all or a part of the entire block chains, . ≪ / RTI > The memory module may store all or some of the block chains, and each block header includes a hash value (hash) of the previous block header, a nonce value, a hash value of the transaction group, Difficulty indicating difficulty in mining, Block Number indicating the number of blocks, and the like. Each block body may include at least one transactional information (in particular, a KYC transaction according to an embodiment of the present invention).

The KYC transaction information may include service account address information, account information, hash value of the identification information, relationship account information, information on whether or not to allow deposit and withdrawal, and the like. When the KYC transaction information is stored in the block and executed, the service account address information, the account information, the hash value of the identification information, the relationship account information, the information on the deposit / withdrawal permission are stored in the storage or memory of the service account Or the like in a block.

The public block chain 500 means a public block chain such as etherium, ios, and steam, and means a public block chain including an account of account information, which is an address of a user's encrypted currency wallet. The KYC node 400 indexes a relationship account, which is an account that is directly or indirectly traded with the account address of a specific user requested by the service server 200 through a query to the public block chain 500. The relationship account information, which is information on the relationship account, according to an embodiment of the present invention may include at least one of an address of the relationship account, a transaction relationship distance information between the relationship account and the account of the specific user (for example, If the account that the transaction is directly accounted for with B and B is C, the transaction-relationship distance information of B can be 1, and the transaction-relationship distance information of B can be 2.) , A relationship account B is designated as a white list by the service server a and a transaction is permitted, a2 is set as a black list by the service server b, b2 when the transaction is not permitted, and 0 when the transaction is not confirmed) . ≪ / RTI >

The KYC block chain 30 is a block chain in which a KYC transaction is recorded by the KYC node 400 for specific account information and information on deposit / withdrawal permission / non-payment information for specific identification information. The smart contract stored in the KYC block chain 30 can perform verification, recording, and distribution of the KYC transaction. For example, in the case of Ethereum, the code for this smart contract can be written in the languages Solidity, Serpent, LLL, and Mutan. Currently, Solidity is mainly used and the syntax is similar to JavaScript. Smart Contract is program code that is processed by processing module 11, including "variable "," structure ", and "function ". The Smart Contract Code is converted into Byte Code through Compile process. The Byte code is compiled through the Solidity Realtime Compiler. The Byte code of Solidity is all hexadecimal code. In Solidity, if this Byte code is assigned to Payload (data:) without paying the receiving address and a transaction is distributed to Blockchain, Block is created by Miner. Transaction, and returns the contract address of the Contract created (distributed) in the contractAddress: field of the Transaction Receipt.

The Smart Contract development environment can include a range of development tools and compilers. For example, in the case of Solidity, when you create and compile a code, all compilers output [Byte Code], [Function Signature], and [ABI].

The Byte Code is the result of compiling Smart Contract Code as described above. In case of generating the Contract Creation Transaction in Blockchain and distributing Message Tx (Transaction abbreviation) to Contract, call / query to contract And is executed on the KYC node 400 (EVM in the case of Ethernet), when it occurs.

Function Signature is the 4-byte value of the SHA3 hash value of the function name in the contract. When the Contract function is executed, the contract address is included in the to: address of the transaction. ≪ / RTI >

ABI (Application Binary Interface) means Application Interface described in a way that is not dependent on a specific language or platform. The ABI definition is output by the compiler or the ABI Generator. The ABI defines the meta data for Smart Contract functions and parameters. With ABI, you can create an object when you create an application based on a JavaScript language, and you can easily call a Contract's function by calling the method of the object. Ethereum now supports creating and using ABI objects in JavaScript applications with web3.js. In go-ethereum since 1.4.0, it is possible to make Smart Contract easily bindable in Go native language based applications. ABIGen to generate the code.

Such a Smart Contract development environment can be connected with the Blockchain Engine to deliver Contract Creation / Deployment, Message Tx, and Call / Query, which means the KYC node 400 according to an embodiment of the present invention, In this example, ethereum nodes such as geth, parity, and eth mean. As a result, a virtual machine such as an EVM for transaction processing and contract execution related to all Smart Contracts is configured on the same node as the KYC node 400.

In this Smart Contract development environment, ABI can be connected with Applications. Smart Contract has only Logic, and application is needed to interact with user or external system. Applications such as HTML + CSS + JavaScript, Application Server, and Wallet are configured to interact with Smart Contracts, for example, through an interface with Ethereum. The Smart Contract Code can be classified into [Creation / Deployment] [Invoke by Message] [Call]. According to an exemplary embodiment of the present invention, a Call may be used when a specific account address is indexed in the KYC block chain 30, and a Message Tx may be used when a deposit / .

How to Perform KYC using Block Chain

2 is a flowchart illustrating a method of performing a KYC using a block chain according to an embodiment of the present invention. As shown in FIG. 2, the method of performing KYC using a block chain according to an embodiment of the present invention includes a step of requesting deposit / withdrawal permission (S10), a first indexing step (S11), a second indexing step ), Relation account information transmission step S13, receipt / unsubscribe information reception step S14, and block chain recording step S15.

The deposit / withdrawal allowance request step S10 is a step in which the KYC node 400 receives a request for deposit / withdrawal allowance information on account information and identification information for a specific user from the service server 200.

The first indexing step S11 is a step in which the KYC node 400 indexes the account information or the identification information in the KYC block chain 30. [ In step S11, the account information or identification information in which the deposit / withdrawal permission / non-permission information is recorded in the block chain is efficiently retrieved with a small amount of resources. If the deposit / withdrawal allowance information has been stored in step S11, the KYC node 400 transmits the deposit / withdrawal allowance information previously stored in the service server 200 (S12a).

In the second indexing step S12b, if the account information or the deposit / withdrawal allowance information corresponding to the identification information is not stored in step S11, the KYC node 400 transmits a public block including an account of the account information In the chain 500, a relationship account, which is an account that has been directly or indirectly traded with the account information, is indexed and relationship account information is generated.

The relational account information transmission step S13 is a step in which the KYC node 400 transmits the relation account information to the service server 200. [

The deposit / withdrawal permission / denial information reception step S14 is a step in which the KYC node 400 receives the deposit / withdrawal allowance information on the account information and the identification information from the service server 200. [

The block chain recording step S15 is a step in which the KYC node 400 generates and distributes a KYC transaction, which is a transaction for the account information, the identification information, and the deposit / disapproval permission information to the KYC block chain 30.

3 is a schematic diagram showing a structure of a KYC block chain according to an embodiment of the present invention. 3, the memory module 12 of the KYC node 400 according to an exemplary embodiment of the present invention may store all or part of the KYC block chain 30, A hash value of a transaction group, a hash value of a transaction group, a hash value of a transaction group, a timestamp (not shown), which is information on a generated time of the transaction group, a Difficulty (not shown) And a block number (not shown) to be used. Each block body may include at least one transaction information (in particular, KYC transaction information according to an embodiment of the present invention). 3, the KYC transaction according to an embodiment of the present invention includes service account address information (for example, a KYC token wallet address of a specific ICO subject) that is an account address held by the service server, The hash value of the identification information (for example, the hash value of the resident registration number of the specific user), the address included in the account information, and the account information of the specific user (for example, (Eg, relationship account address, transaction information, token volume, whether it is a direct or indirect relationship, whether it is indirect or indirect), which is information about a relationship account that is an indirect or indirect transaction, Withdrawal allowance information input by the service server with respect to whether or not the specific user can deposit money into or out of the bank account.

4 is a schematic diagram illustrating a data structure of relationship account information according to an embodiment of the present invention. As shown in FIG. 4, the related account information according to an embodiment of the present invention may include a relationship account address, transaction information, relationship information, and withdrawal allowance information. The relationship account according to an embodiment of the present invention may mean an account that is directly or indirectly in a transaction relationship with an account address of account information subject to KYC. The relationship account address may, for example, refer to the identity wallet address of the relationship account. The transaction information may, for example, mean information of a transaction that is directly or indirectly in a transaction relationship with the account information during the transaction of the related account.

The relationship information is information indicating the distance of the account information and the transaction relationship, and can be classified into the direct transaction relationship and the first ... n indirect transaction relationship. The direct transaction relationship is a case where the corresponding transaction information is transaction information in which transaction information is directly traded for the account information and the related account information. For example, it may be expressed as a dummy value of '0' as shown in FIG. The first indirect transaction relationship may be such that if the corresponding transaction information is transaction information that is directly traded for relationship account information that is in direct transaction relationship with account information and other transaction account information, Quot; 1 " as shown in FIG. 4, for example. The n-th indirect transaction relationship is such that if the corresponding transaction information is transaction information directly related to account information in the n-1 indirect transaction relationship with the account information and other transaction account information, N is defined as an indirect trade relationship and can be expressed, for example, as a dummy value of 'n'.

The information on whether deposit and withdrawal is allowed is information that indicates whether or not deposit and withdrawal is allowed for the related account address, and can be classified as deposit and withdrawal permission, no deposit and withdrawal, and no description. For example, as shown in FIG. 4, in the case of deposit and withdrawal allowance, it can be expressed as a dummy value of '0'. In the case of denial of deposits and withdrawals, a dummy value of '1' It can be stored or set as a dummy value. Also, according to one embodiment of the present invention, the deposit / withdrawal allowance information may include the service account information requested to be registered and the KYC token holding amount (Balance) information at the time of registration of the service account. According to this, when a plurality of service accounts input different deposit / withdrawal allowance information for one account information or one identification information, the deposit / withdrawal allowance information is a stochastic value based on the KYC token storage amount of each service account Or information having a discontinuous value is written to the KYC block chain.

According to an embodiment of the present invention, if a KYC block chain is constructed separately from a public block chain, even if KYC block is used, the resource of the public block chain is not used, and transaction cost, transaction speed, There is an effect that the network safety such as hard fork issues and the like are not limited. For example, when the KYC block chain is not used separately and the technical idea of the present invention is performed using only the Ethernet block chain, which is one of the public block chains, a huge GAS There is a problem that the power consumption is consumed.

In addition, since the account information or the identification information is firstly indexed in the KYC block chain, the entire transaction in the public block chain is not always indexed for the KYC of the specific account or the specific identification information.

In addition, since KYC indexes the relationship account, which is an account in which there is direct or indirect transaction relationship with the corresponding account address in the public block chain, the possibility of illegal money laundering such as attempting to deposit or withdraw to another account .

Also, since the deposit / withdrawal allowance information for a specific account address is decentralized and recorded in a state of integrity maintained in a transaction in the KYC block chain, it is possible to determine which deposit / withdrawal is not permitted at the request of the service server, Is not allowed to be accessible to various service players.

[Consensus method of KYC block chain]

The KYC block chain can be agreed upon using the same Proof of Work (POS), Proof of Stake (POS) and Byzantine Fault Tolerance (BFT) methods. However, in the KYC block chain according to an embodiment of the present invention, at least one of the modified POW and the modified POS is applied, thereby solving the problem of the existing consensus method and positively affecting the decentralization of KYC do.

5 is a flowchart illustrating a KYC performing method using a block chain including a modified POW summing method according to an embodiment of the present invention. As shown in FIG. 5, in the method of performing KYC using a block chain including the POW settlement method according to an embodiment of the present invention, whether to deposit or withdraw money is stored in account information or identification information in the KYC block chain after S11 , It may further include an account information distribution step S20, a public block chain indexing step S21, and a block verification step S22.

In the account information distribution step (S20), the KYC node generates a new block in the KYC block chain, and distributes the account information to the entire KYC block chain network so that each KYC node can index the corresponding account information competitively in the public block chain. . According to S20, unlike the existing block chain, a new block is formed in the KYC block chain every time a request for one account information is received, and a transaction for one account information per block is recorded. The determined speed (TPS) becomes very fast and the block chain data structure is simplified.

In the public block chain indexing step (S21), the account information distributed in S20 is received by each KYC node in the KYC block chain. Each KYC node indexes the relationship account, which is an account in which transactions are directly or indirectly performed with the account information, Thereby generating the relationship account information.

The block proving step S22 is a step in which a KYC node indexing a relation account satisfying a specific indexing condition among the KYC nodes is set as a proof of the corresponding block. The specific indexing condition may be, for example, an abnormal or exceeding of a particular indexing condition, such as the number of indexed relationship accounts, the distance of the indexed relationship account and the transactional relationship of the specific account being the KYC requested subject (direct transaction, . ≪ / RTI > In addition, the number of specific indexing conditions consisting of the number of relationship accounts indexed within a predetermined period of time after block creation, the distance between the indexed relationship account and the transaction relationship of the specific account being KYC requested (whether direct transaction or indirect transaction) It can mean whether or not it has accomplished.

According to the modified POW method, it is possible to induce competitive indexing of the relation account of the KYC node. In the existing POW system, there is no reason for KYC nodes to insert computing resources and perform indexing of relationship accounts in the public block chain.

In addition, according to S20 to S22, unlike the existing block chain, the block chain branching problem is improved stochastically. In the account information distribution step (S20) according to the embodiment of the present invention, an example of a case where block chains having different block orders are generated for different KYC nodes (KYC node a and KYC node b) by latency have. In the block chain, there is a high probability that the block order of the block chain differs for some nodes due to the latency of distribution. This has been called a fork to the ordinary engineers of the block chain industry and the fork has remained a serious problem that worsens the integrity of the block chain, the most effective in that two block chains are randomly generated. In existing public block chains such as bit coin and etherium, the problem has been solved by determining which block chain is longer than a certain time, and deleting one long one side unilaterally. There was always a possibility that a block chain could consist of two or more blocks, which was not a complete solution. However, according to S20 to S22 according to the embodiment of the present invention, since the probability that the generated blocks will be proved by the other nodes themselves is low, the probability that the fork will be generated is reduced Is generated.

Regarding the modified POS method, in step S14 according to an embodiment of the present invention, the deposit / withdrawal allowance information may include the service account information requested to be registered and the KYC token holding amount (Balance) information at the time of registration of the service account . According to this, when a plurality of service accounts input one account information or one identification information, respectively, even if there is a time gap therebetween, the deposit / withdrawal allowance information is stored in the KYC A plurality of service accounts are recorded in the KYC block chain as information having a stochastic value or discontinuous value based on the token storage amount and corresponding to one account information or one identification information as a ratio of the KYC token storage amount at the time of block recording The effect of proving the block is generated. According to this, the hash value of the information of each service account and the ratio of the KYC token holding amount is stored in the block header, and a linked list can be constructed. According to the modified POS system according to an embodiment of the present invention, an effect of being more suitable for KYC decentralization than the existing POS system is generated. According to the modified POS method, a service account having more KYC tokens is configured so that more compensation is paid when the input / output authorization information is registered for a specific account or specific identification information and contributed to the ecosystem of the KYC block chain. There is an additional effect that the demand for itself increases. The existing POS method is related to the decentralization of KYC by acquiring update authority of data in proportion to the amount of stake held by each validator node. Further, according to the modified POS method, even if forking occurs in a plurality of chains, a chain that holds (certifies) more KYC tokens survives, and thus the fork of the chain can be quickly recovered. Also, according to the modified POS system, various opinions (whether deposit or withdrawal) of a plurality of service accounts for specific account information or specific identification information are sourced from the crowd.

The scope of the present invention may include a block proof (consensus) scheme in which the above modified POS system and the modified POW system are integrated.

[Token Compensation Method]

At this time, according to an embodiment of the present invention, a compensation token may be allocated to the account of the KYC node satisfying a specific condition for complete decentralization of the KYC. The method of token compensation consists of depositing a certain number of tokens (KYC tokens) when requesting KYC for a specific account as a KYC block chain in a certain KYC node, and storing KYC block information in the KYC block chain And distribute at least a portion of the deposited token to the node. To this end, an account (service account) of the KYC block chain may be configured or assigned to each KYC node representing each service server. Hereinafter, the compensation token, which is a token to be paid in compensation for distinguishing between the convenience of explanation and the coin or token of the public block chain, is referred to as a KYC token.

According to an embodiment of the present invention, in step S10, a specific service server transmits specific account information of a specific user, which is a target of a KYC request, to a specific KYC node, , A transaction can be created for a certain number of KYC token state changes with the service account being the account of the corresponding KYC node as the token sender. In this case, since the KYC tokens are always purchased by the service subjects who want to perform KYC by using the KYC block chain, there is an effect that the KYC token is continuously demanded. Alternatively, a KYC token may be generated for each block creation and certification, such as an existing public block chain.

Regarding the compensation method of the KYC token, according to an embodiment of the present invention, in the step S11, deposit / withdrawal allowance information is stored in the KYC block chain for specific account information requested by the service server or specific identification information If so, it can be configured to compensate the KYC token for the service account that registered the deposit / withdrawal allowance information for the specific account information or specific identification information. In this case, the effect of registering the deposit / non-deposit / disapproval information on specific account information or specific identification information is generated.

According to one embodiment of the present invention, when a relationship account is indexed in the public block chain by the KYC node in 12b of FIG. 2 or S21 of FIG. 5 according to an embodiment of the present invention, Number, indexed relationship account, and the distance of the transaction relationship of the specific account that is the KYC request target (whether it is direct transaction or indirect transaction), is satisfied by the relationship account information indexed by the specific KYC node , A scheme of compensating the KYC token for the service account of the specific KYC node may be used. In this case, since a plurality of KYC nodes perform indexing of the public block chain in a competitive manner, the block proof and agreement method of the POW (Proof of Work) is performed using the hash value of the account information of a value exceeding or exceeding a specific indexing condition It is possible to construct an effect. That is, according to the second embodiment of the compensation scheme of the KYC token, indexing of the public block chain in which the computing resource is used is competitively performed by a plurality of KYC nodes, and an ecosystem in which a relation account of a specific account, . In this case, the hash value of the related account information over or under a specific indexing condition is stored in the block header, so that a linked list can be constructed. A variant of the second embodiment of the compensation scheme of the KYC token includes the number of relationship accounts indexed within a predetermined time after the creation of the block, the distance of the transaction relationship between the indexed relationship account and the specific account subject to the KYC request And the like), and the like. Also, a method of compensating the KYC token for the service account of the KYC node that has achieved the most specific indexing condition, which is composed of, for example,

According to one embodiment of the present invention in a third embodiment of the KYC token compensation scheme, when a relationship account is indexed in the public block chain by the KYC node in 12b of FIG. 2 or S21 of FIG. 5, It is possible to compensate the KYC token for the service account in which the deposit / withdrawal allowability information is registered in the KYC block chain. In this case, the effect of registering the deposit / non-deposit / disapproval information on specific account information or specific identification information is generated.

As a fourth embodiment of the compensation scheme of the KYC tokens, the compensation weights can be set so as to receive more compensation as the information amount of the identification information recorded in the KYC block chain in the service account increases. This leads to each service account accumulating more information about a particular user.

[Identification information]

The identification information according to an embodiment of the present invention may mean a hash value such as a resident number, a name, facial data, and a UUID that the user or the service subject inputs to the service server. It can be recorded in the KYC block chain so that the individual can not be identified by storing the hash value. According to one embodiment of the present invention, when the UUID is recorded in the KYC block chain as the identification information, black list management for users operating multiple accounts in the same device is enabled.

According to an embodiment of the present invention, when facial data is recorded in the KYC block chain as the identification information, a specific landmark is extracted from the facial image having the standardized standard after the preprocessing at the KYC node to extract the relationship information between the landmarks And record the Hash value of the extracted landmark information as identification information in the KYC block chain. According to this, the KYC node can index the facial data, but protects the personal information. The relationship information between the landmarks may mean, for example, the ratio of the distance between the pupil and the pupil to the face width.

According to an embodiment of the present invention, decentralization of KYC becomes possible, and even if a separate player does not perform the KYC certification business, the effect of accumulating account information, identification information, and deposit / no- . At this time, when the block chain is not utilized as in the embodiment of the present invention, problems such as personal information, server mirroring, trust, and difficulty in collecting information may occur.

According to an embodiment of the present invention, for example, if a US citizen a who can not participate in ICO due to a legal issue participates in an ICO of A, and a is recorded in the KYC block chain as a denial of deposit / , a may create another account and attempt to join an ICO with the name b. In the conventional way, there was a problem that a loan account of such a name can not be blocked. However, according to an embodiment of the present invention, the A service server performs a request for information on whether or not b is permitted to deposit and withdraw through the KYC node (S10). The KYC node finds a relationship with a account (S12b, S21) by indexing the relationship account in the public block chain with respect to the account information of b, and in the service server A, the information that a account is the relation account of the b account is KYC Node (S13). After that, the A service server processes the denial of b < / RTI > access to the account b and records the denial of denial of deposit and withdrawal of the account b to the KYC block chain via the KYC node (S14 and S15).

As described above, those skilled in the art will appreciate that the present invention may be embodied in other specific forms without departing from the spirit or essential characteristics thereof. It is therefore to be understood that the above-described embodiments are to be considered in all respects only as illustrative and not restrictive. The scope of the present invention is defined by the appended claims rather than the detailed description, and all changes or modifications derived from the meaning and scope of the claims and their equivalents should be construed as being included in the scope of the present invention.

The features and advantages described herein are not all inclusive, and in particular, many additional features and advantages will be apparent to those skilled in the art in view of the drawings, specification, and claims. Moreover, it should be noted that the language used herein is primarily chosen for readability and for purposes of teaching, and may not be selected to delineate or limit the subject matter of the invention.

The foregoing description of embodiments of the invention has been presented for purposes of illustration; It is not intended to be exhaustive or to limit the invention to the precise form disclosed. Those skilled in the art will appreciate that many modifications and variations are possible in light of the above teachings.

Some portions of this description describe embodiments of the present invention relating to symbolic representations of operations and algorithms. These algorithmic descriptions and representations are generally used by those skilled in the data processing arts to efficiently convey the essence of their work to the other skilled artisan. While such operations are described functionally, computationally, or logically, they are understood to be implemented by a computer or equivalent electrical circuitry, microcode, or the like. Furthermore, this is also conveniently demonstrated without loss of generality, sometimes to represent an arrangement of such operations as a module. The operations described above and their associated modules may be implemented in software, firmware, hardware, or any combination thereof.

Any of the steps, operations, or processes described herein may be performed or implemented in conjunction with one or more hardware or software modules, alone or in combination with other devices. In one embodiment, a software module is implemented with a computer program product comprised of a computer-readable medium comprising computer program code, and the computer program code is executable to perform any or all of the processes, steps, May be executed by a computer processor.

Furthermore, embodiments of the invention may relate to an apparatus for performing the operations herein. These devices may include a general-purpose computing device that may be specially constructed and / or selectively activated or reconfigured by a computer program stored within the computer for the required purpose. Such a computer program may be stored in any type of media suitable for storing computer readable storage media or type of instructions, and may be coupled to a computer system bus. Further, any computing system referred to herein may comprise a single processor, or it may be a structure employing a multiprocessor design for increased computing power.

Finally, the language used herein has been chosen primarily for readability and for purposes of teaching, and may not be selected to describe or limit the subject matter of the invention.

The scope of the invention is, therefore, not to be limited by the Detailed Description, but is to be defined by the claims of any application based thereon. Accordingly, the disclosure of embodiments of the invention is illustrative and not restrictive of the scope of the invention, which is set forth in the following claims.

30: KYC block chain
200: service server
400: KYC node
500: Public block chain

Claims (4)

A method of performing a KYC using a KYC block chain in which deposit and withdrawal allowance information for a specific account is recorded and stored in a KYC (Know Your Customer) node and a plurality of KYC nodes form a block-chain distributed network,
A KYC node receiving a request for deposit / withdrawal allowance information on account information and identification information at a service server;
A primary indexing step in which the KYC node indexes the account information or the identification information in the KYC block chain stored in the memory module of the KYC node;
When the deposit / withdrawal allowance information is not stored in the first indexing step, the KYC node transmits the account information in the public block chain including the account information of the account information, which is an account that is directly or indirectly traded with the account information A second indexing step of indexing the related account information and generating relationship account information;
A relationship account information transmission step in which the KYC node transmits the relationship account information to the service server;
Receiving information on deposit / withdrawal allowance / non-receipt of the account information and the deposit / withdrawal allowance information on the identification information from the service server; And
A block chain recording step of causing the KYC node to generate and distribute a KYC transaction which is a transaction for the account information, the identification information, and the deposit / withdrawal allowance information to the KYC block chain;
/ RTI >
When the deposit / withdrawal allowance information is stored in the first indexing step, the KYC node transmits the deposit / withdrawal allowance information previously stored in the service server.
How to Perform KYC using KYC Block Chain.
A KYC execution device using the KYC block chain, wherein the KYC block chain stores a KYC (Know Your Customer) block chain that records deposit and withdrawal allowance information for a specific account and constitutes at least a part of a distributed chain of block chains of the KYC block chain,
A memory module for storing the KYC program code and the KYC block chain; And
A processing module for processing the KYC program code;
/ RTI >
The KYC program code includes:
A request for deposit and withdrawal permission or denial of receipt of a request for deposit and withdrawal allowance information on account information and identification information in a service server;
A first indexing step of indexing the account information or the identification information in the KYC block chain stored in the memory module;
When the deposit / withdrawal allowance information has not been stored in the first indexing step, a relationship account, which is an account that is directly or indirectly traded with the account information, is indexed in a public block chain including an account of the account information, A second indexing step of generating account information;
Transmitting the relationship account information to the service server;
A deposit / withdrawal allowance information receiving step of receiving the account information and the deposit / withdrawal allowance information on the identification information from the service server; And
A block chain recording step of generating and distributing a KYC transaction, which is a transaction for the account information, the identification information, and the deposit / withdrawal allowance information, to the KYC block chain;
On a computer,
When the deposit / withdrawal allowance information is stored in the first indexing step, the deposit / withdrawal allowance information previously stored in the service server is transmitted.
KYC execution unit using KYC block chain.
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