KR102047478B1 - Virtual account system for block-chain network and method for issuing and depositing virtual account thereof - Google Patents

Abstract

A personal virtual account system using a blockchain network and a method for issuing and depositing a personal virtual account are provided. The personal virtual account issuing server, when a request for issuing a virtual account using the user's real account is received from the user terminal, requests for issuing a virtual account using the user's real account as the parent account, and when the virtual account is issued, at least one virtual account issued. Request for registration of personal virtual account information including account, parent account of the virtual account and user information, and the virtual account blockchain network issues one or more virtual accounts to the user's real account in response to a request from a personal virtual account issuing server. And transmits one or more issued virtual accounts to a personal virtual account issuing server, distributes and stores personal virtual account information in a virtual account distributed ledger composed of blockchains according to a request of a personal virtual account issuing server, and personal virtual account issuing server Is one or more virtual accounts received from the virtual account blockchain network. And transmits to the user terminal.

Description

Virtual account system for block-chain network and method for issuing and depositing virtual account

The present invention relates to a personal virtual account system using a block chain network and a method for issuing and depositing a personal virtual account thereof, and more particularly, a user is issued a virtual account using a block chain network without going through a financial company, and issued a virtual account. The present invention relates to a personal virtual account system using a blockchain network that enables depositing to a bank, and a method of issuing and depositing a personal virtual account thereof.

A virtual account is an account assigned to a customer by an institution with multiple clients to facilitate the withdrawal and withdrawal of funds. In other words, the virtual account is an account that is given only an account number without a bank account. This virtual account is directly assigned to the customer by the institution, unlike the account of the unpaid deposit which is given to the institution by the bank, and the institution pre-registers information such as the depositor and the deposit amount in the virtual account. Therefore, if the depositor and the deposit amount are different from the registered information, the deposit is not made.

1 is a diagram illustrating a conventional virtual account system.

Referring to FIG. 1, each financial company such as a bank (A financial company, B financial company) constructs a virtual account system linked to a financial company, and each virtual account system allocates a virtual account to each institution. An institution can be any company that requires payment, such as a shopping mall or a government.

Since a plurality of users are connected to each institution to request payment, each institution issues virtual accounts allocated from the virtual account system of A or B financial company to users, and manages each user's virtual account ledger individually.

However, in the related art, as described with reference to FIG. 1, only a virtual account may be issued through a financial institution-virtual account system-institution, and a function for allowing a user to individually issue a virtual account is not provided. It is not.

Therefore, it is necessary for the user to provide a service that can be issued in a simple procedure while enhancing the security at a minimum cost of the virtual account for his real account.

Korean Patent Publication No. 10-2013-0083050 (published Jul. 22, 2013)

The technical problem to be solved by the present invention in order to solve the above-described problems, the user virtual private account using a block chain network that can be issued in a simpler procedure while enhancing the security, at a minimum cost, virtual account for their real account The present invention provides an account system and a method for issuing and depositing a personal virtual account.

The problem of the present invention is not limited to those mentioned above, and other problems not mentioned will be clearly understood by those skilled in the art from the following description.

As a means for solving the above-described technical problem, according to an embodiment of the present invention, the personal virtual account system using a block chain network, when a request for issuing a virtual account using a user's actual account as a mother account is received from the user terminal, Request for issuance of a virtual account using a real account of the parent account, and if a virtual account is issued, an individual requesting registration of personal virtual account information including one or more of the issued virtual account, the parent account of the virtual account, and the user's information. Virtual account issuing server; And issuing one or more virtual accounts to the real account of the user according to a request from the personal virtual account issuing server, transmitting the one or more issued virtual accounts to the personal virtual account issuing server, and the personal virtual account issuing server. And a virtual account blockchain network for distributing and storing the personal virtual account information in a virtual account distributed ledger composed of blockchains, wherein the personal virtual account issuing server comprises the one or more received from the virtual account blockchain network. The virtual account may be transmitted to the user terminal.

The personal virtual account issuing server, when the user terminal requests the issuance of the virtual account by accessing the personal virtual account issuing server, an item for inputting a financial company selection menu that the user deals with, an actual account registered with the financial company, A virtual account linking unit generating a virtual account issuing request page including the virtual account issuing number selection menu; A personal virtual account communication unit which transmits the generated virtual account issuing request page to the user terminal and receives virtual account issuing request information including the number of financial companies, real accounts, and virtual account issuing transactions from the user terminal; And a personal virtual account core unit which requests a virtual account issuance to the virtual account blockchain network based on the received virtual account issuance request information.

The virtual account linking unit may further include a common virtual account issuing request menu for selecting a plurality of financial companies that the user deals with and requesting issuance of a public virtual account for real accounts registered with the selected plurality of financial companies. A virtual account issuance request page can be created.

The virtual account linking unit generates the personal virtual account information when one or more virtual accounts are issued from the virtual account blockchain network by a virtual account issuing request, and the personal virtual account core unit generates the personal virtual account information. Can be registered with the virtual account distributed ledger.

When a deposit request through the virtual account issued to the user is generated, verify whether the virtual account is valid from the personal virtual account information distributed in the virtual account distributed ledger, and if the virtual account is verified to be valid, A financial company server for processing the actual deposit to the real account that is a mother account, and requesting registration of the deposit details deposited in the real account in the virtual account distributed ledger; The deposit details, the virtual account, the virtual account It may include the actual amount deposited into the date and date and date of deposit, and information about the user who attempted to deposit to the virtual account.

The financial company server may include: an account manager configured to request validation of a virtual account in which the deposit request has occurred, and determine whether or not to actually deposit money into the real account based on a validation response according to the validation request; And a financial company virtual account core unit which, when the validation request is input from the account manager, verifies whether the virtual account is valid from the virtual account distributed ledger, and passes a verification result to the account manager as the validation response. can do.

The financial company virtual account core unit generates a validation request message including a virtual account where the deposit request has occurred, information about the user, and financial company information to which the virtual account belongs, and transmits the generated validation request message to the virtual account blockchain network. The validity of the virtual account may be verified by analyzing a validation response message received from the virtual account blockchain network.

The account manager, if it is determined that the virtual account is valid as a result of analyzing the validation response, processes the deposit generated for the virtual account to be actually deposited into the real account, and stores the deposit details deposited into the real account. The financial company virtual account core unit is notified, and the financial company virtual account core unit may request registration of the received deposit details to the virtual account distributed ledger in the virtual account blockchain network.

The personal virtual account issuing server is connected to the virtual account blockchain network in real time to check whether the deposit details for the virtual account is registered in the virtual account distributed ledger, and if the deposit details are registered, the virtual account blockchain network The deposit history registered in the may be transmitted to the user terminal.

A block chain that provides a core program for executing the server core unit and the financial institution virtual account core unit to the personal virtual account issuing server and the financial institution server, each of which is a member of the virtual account blockchain network, and manages the virtual account blockchain network; It may further include a virtual account management server.

On the other hand, according to another embodiment of the present invention, the personal virtual account issuing and depositing method of the personal virtual account system using the blockchain network, (A) issuing a virtual account by the personal virtual account issuing server, the user's actual account as the mother account If a request is received from a user terminal, requesting issuance of a virtual account using the actual account of the user as a parent account; (B) the virtual account blockchain network issuing one or more virtual accounts to the real account of the user according to the request of step (A), and transmitting the issued one or more virtual accounts to the personal virtual account issuing server; (C) transmitting, by the personal virtual account issuing server, the one or more virtual accounts received from the step (B) to the user terminal.

In the step (A), (A1) when the user terminal requests an initial virtual account issuance by accessing the personal virtual account issuing server, the user inputs a financial company selection menu for trading the user and an actual account registered with the financial company. Generating a virtual account issuance request page including an item and a menu for selecting the number of virtual account issuances and transmitting the generated page to the user terminal; (A2) receiving, from the user terminal, virtual account issuing request information including a financial company, a real account, and a virtual account issuing number set by the user through the virtual account issuing request page; And (A3) requesting a virtual account issuance to the virtual account blockchain network based on the received virtual account issuance request information.

(D) When one or more virtual accounts are issued from the virtual account blockchain network, the personal virtual account issuing server may provide the personal virtual account information including the issued one or more virtual accounts, the parent account of the virtual account, and the user. Generating and requesting registration with the virtual account blockchain network; And (E) distributing and storing the personal virtual account information in a virtual account distributed ledger composed of blockchains by the virtual account blockchain network.

(F) When a financial institution server makes a deposit request through a virtual account issued to the user, verifies whether the virtual account is valid from personal virtual account information distributed and stored in the virtual account distributed ledger, and confirms that the virtual account is valid. If it is verified, the step of processing the actual deposit to the real account of the parent account of the virtual account, and requesting the registration details of the deposit deposited in the real account to the virtual account distributed ledger; wherein the deposit details, the It may include a virtual account, the actual amount of money deposited into the virtual account and the date and time of the deposit, and information about the user who attempted to deposit into the virtual account.

(G) A blockchain virtual account management server issues a virtual account to a user using the virtual account blockchain network to the personal virtual account issuing server and the financial institution server that are members of the virtual account blockchain network, and through the virtual account. The method may further include providing a core program for processing the deposit to the mother account according to the validity of the deposit, and managing the virtual account blockchain network.

According to the present invention, a user can directly receive a personal virtual account by a virtual account blockchain network 100 capable of issuing a virtual account and a personal virtual account issuing server without going through a financial company, thereby improving user convenience.

In addition, according to the present invention, by allocating a virtual account to a user using a virtual account blockchain network capable of issuing a virtual account, it is possible to reduce the construction cost for the virtual account issuance.

In addition, according to the present invention, by separately storing the virtual account ledger in the virtual account blockchain network, the user requests the validation of the virtual account, simplifying the procedure until receiving a response to the verification, the user It can enhance the convenience and security of not having to manage virtual ledgers individually.

In addition, according to the present invention, each financial institution server, if a deposit request through the virtual account occurs, without having to communicate with the existing virtual account system and the corresponding institution, that is, verify the validity of the virtual account by the virtual account blockchain network After that, the deposit can be processed into the mother account.

In addition, according to the present invention, when the deposit to the mother account is completed, each financial institution server registers the deposit details in the virtual account blockchain network 100, so that each individual virtual account issuing server or user terminal deposit occurs in the account of the user's name. It can be checked in real time through the virtual account blockchain network 100.

In addition, according to the present invention, each of the individual virtual account issuing server provides the user with a confirmation link to directly check the personal virtual account information associated with the virtual account, a confirmation link to confirm the deposit history, the user through the user terminal Directly communicate with the virtual account blockchain network to verify personal virtual account information or to verify that the deposit has been successfully processed.

The effects of the present invention are not limited to those mentioned above, and other effects not mentioned will be clearly understood by those skilled in the art from the following description.

1 is a view showing a conventional virtual account system,
2 is a diagram illustrating a virtual account issuing and depositing system using a blockchain network according to an embodiment of the present invention;
3 is a block diagram illustrating a first personal virtual account issuing server 200 according to an exemplary embodiment of the present invention shown in FIG. 2.
4 is a diagram illustrating an example of a virtual account issuing request page 500 provided by the first personal virtual account issuing server 200;
FIG. 5 is a block diagram illustrating a first financial company server 300 according to an embodiment of the present invention shown in FIG. 2.
6 is a flowchart illustrating a virtual account issuing method of a personal virtual account system using a blockchain network according to an embodiment of the present invention;
7 is a flowchart illustrating a method of depositing a virtual account of a personal virtual account system using a blockchain network according to an exemplary embodiment of the present invention.

Objects, other objects, features and advantages of the present invention will be readily understood through the following preferred embodiments associated with the accompanying drawings. However, the present invention is not limited to the embodiments described herein and may be embodied in other forms. Rather, the embodiments introduced herein are provided so that the disclosure may be made thorough and complete, and to fully convey the spirit of the present invention to those skilled in the art.

Where the terms first, second, etc. are used herein to describe the components, these components should not be limited by these terms. These terms are only used to distinguish one component from another. The embodiments described and illustrated herein also include complementary embodiments thereof.

In addition, when it is mentioned that a first element (or component) is operated or executed on a second element (or component), the first element (or component) is a second element (or component). It is to be understood that the operation or execution in the environment in which the operation or the execution is performed or the operation or execution is performed through direct or indirect interaction with the second element (or component).

Where an element, component, device, or system is referred to as including a component made up of a program or software, even if no explicit mention is made, the element, component, device, or system may be executed or operated by the program or software. It should be understood to include the hardware necessary to run (eg, memory, CPU, etc.) or other programs or software (eg, an operating system or drivers needed to run the hardware, etc.).

In addition, it is to be understood that an element (or component) may be implemented in software, hardware, or any form of software and hardware, unless otherwise specified in the implementation of any element (or component).

Also, the terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the invention. In this specification, the singular also includes the plural unless specifically stated otherwise in the phrase. As used herein, the words 'comprises' and / or 'comprising' do not exclude the presence or addition of one or more other components.

Hereinafter, the present invention will be described in detail with reference to the accompanying drawings. In describing the following specific embodiments, various specific details are set forth in order to explain and understand the invention in more detail. However, those skilled in the art can understand that the present invention can be used without these various specific details.

In some cases, it is mentioned in advance that parts of the invention which are commonly known in the description of the invention and which are not highly related to the invention are not described in order to prevent confusion in explaining the invention without cause.

Hereinafter, specific technical contents to be implemented in the present invention will be described in detail with reference to the accompanying drawings.

Each of the configurations of the personal virtual account system using the blockchain network shown in FIGS. 2, 3, and 5 is functional and / or logically separated, and each configuration must be divided into separate physical devices, or It does not mean that it is written in a separate code can be easily deduced by the average expert in the art.

In addition, the term "module" in the present specification may mean a functional and structural combination of hardware for performing the technical idea of the present invention and software for driving the hardware. For example, the module may mean a logical unit of a predetermined code and a hardware resource for performing the predetermined code, and means a code that is not necessarily physically connected or does not mean a kind of hardware. It can be easily inferred by the average expert in the art.

The personal virtual account system using the blockchain network may be installed in a predetermined data processing device to implement the technical idea of the present invention.

In addition, the user terminal 10 may be, for example, one of all electronic devices capable of installing and executing a program, such as a desktop PC, a laptop PC, a netbook computer, and the like.

2 is a diagram illustrating a personal virtual account system using a blockchain network according to an embodiment of the present invention.

2, a personal virtual account system using a blockchain network according to an embodiment of the present invention includes a user terminal 10, a virtual account blockchain network 100, and first to mth personal virtual account issuing servers 200 to 200. 200m), the first to n-th financial company servers 300 to 300n and the virtual account blockchain management server 400 may be included.

The virtual account block chain network 100 issues a virtual account to the first to m individual virtual account issuing servers 200 to 200 m using a core program or a separate program to be described later, and the virtual account distributed ledger composed of block chains. Can be stored distributed. The member of the virtual account blockchain network 100 may include at least one of the first to m-th individual virtual account issuing servers 200 to 200m and the first to n-th financial company servers 300 to 300n. Therefore, the virtual account distributed ledger may be distributed and stored in at least one of the first to m-th individual virtual account issuing servers 200 to 200m and the first to n-th financial company servers 300 to 300n.

The user may access one of the first to m-th individual virtual account issuing servers 200 to 200m through the user terminal 10 to individually request the issuance of a virtual account using the user's actual account as the mother account.

The first to m-th individual virtual account issuing servers (200 ~ 200m) is a virtual account issuance to the virtual account block chain network 100 when the virtual account issuance request is received from the user terminal 10, the user's actual account as the mother account You can request

In addition, the first to m-person virtual account issuing servers (200 ~ 200m) is one or more virtual accounts issued from the virtual account blockchain network 100, the parent account of the virtual account (that is, the real account registered with the financial company) and the user Personal virtual account information including the information of the user terminal 10 may be transmitted to process the virtual account issuance. In addition, the first to m-th individual virtual account issuing servers (200 ~ 200m) may be requested to be registered in the virtual account distributed ledger by broadcasting the personal virtual account information to the virtual account block chain network 100.

Meanwhile, the first to m-th individual virtual account issuing servers 200 to 200m may request the virtual account block chain network 100 to issue a virtual account whenever a virtual account issuance request is received from the user terminal 10. Alternatively, the first to m-th individual virtual account issuing servers 200 to 200m may receive and store a plurality of virtual accounts for each financial company in advance, and when a request for issuing a virtual account is received from the user terminal 10, the user may select An issued virtual account corresponding to a financial company may be provided to the user terminal 10.

The first to mth personal virtual account issuing servers 200 to 200m may be a dedicated computer for issuing a personal virtual account or a portal service apparatus for providing an application service provider (ASP) for issuing a personal virtual account. Hereinafter, the first personal virtual account issuing server 200 will be described as an example.

The virtual account blockchain network 100 issues one or more virtual accounts to a user's real account in response to a request from the first personal virtual account issuing server 200 and issues the issued one or more virtual accounts to the first personal virtual account. It transmits to the server 200, the personal virtual account information may be distributed and stored in the virtual account distributed ledger according to the registration request of the first personal virtual account issuing server 200.

When the first to n-th financial company servers 300 to 300n generate a deposit request through a virtual account, the first to nth financial company servers 300 to 300n communicate with the virtual account blockchain network 100 instead of the existing virtual account system to verify the deposit validity through the virtual account. Can be. The first to n-th financial company servers 300 to 300n are installed at the first to m-th financial companies, respectively. Hereinafter, the first financial company server 300 will be described as an example.

When the first financial institution server 300 receives a deposit request through a virtual account issued to a user, the deposit generated for the virtual account from the personal virtual account guide information distributed and stored in the virtual account distributed ledger in the virtual account blockchain network 100 is generated. You can verify that it is valid. As a result of the verification, if it is verified as valid, the first financial company server 300 may process the amount of money to be actually deposited into the real account which is the parent account of the virtual account, and request the registration of the deposit details deposited to the mother account in the virtual account distributed ledger.

The deposit details may include the virtual account number where the deposit request occurred, the first financial company name, the actual amount deposited and the date and time of the deposit, and identification information about the sender and the recipient.

The virtual account blockchain network 100 may distribute and store the deposit details transmitted from the first financial institution server 300 in the virtual account distributed ledger.

Therefore, in the virtual account distributed ledger, one or more personal virtual account information transmitted from the first to m-th individual virtual account issuing servers 200 to 200m and deposits transmitted from the first to n-th financial company servers 300 to 300n. The details are distributed and stored, and the virtual account distributed ledger may include a configuration as shown in the following [Table 1].

Virtual Account Distributed Ledger Configuration Explanation Personal Virtual Account Information Personal virtual account issuing server name Name of the server the user connected to to issue a virtual account Username and / or user terminal information The name of the user who requested the deposit and the identification information of the user terminal that requested the issuance of a virtual account Virtual account number Issued virtual account number Linked Account Number Virtual account of the virtual account (your physical account) Consolidated Bank Code Bank identification code associated with a virtual or parent account deposit
Breakdown Actual deposit amount Amount actually deposited into virtual account Actual deposit time Date and time when the money was deposited into the virtual account Sender and Recipient The sender who requested the deposit to the virtual account and the actual user of the virtual account. Virtual account number Account number requested by sender Consolidated Bank Code Bank identification code

As an example of the components of the distributed virtual ledger of Table 1, other information may be added or subtracted according to each individual virtual account issuing server or financial company. [Table 2] shows the individual virtual account core unit 230 which will be described later. And shows the service configuration provided by the financial institution virtual account core unit 330.

Service of the personal virtual account core unit 230 Financial company virtual account core unit 330 services -Create a virtual account issuance request page-Request a virtual account issuance
-Request to cancel a virtual account
-Virtual Account Issuance History
-Register your personal virtual account information
-View your virtual account deposit history -Virtual account validity (justification) inquiry
-Register virtual account deposit details

On the other hand, the virtual account blockchain management server 400 is a personal virtual account core unit to be described later to the first to m-th individual virtual account issuing servers (200 to 200m) and the first to n-th financial company servers (300 to 300n) The same core program (ie, a virtual account blockchain program) or a different core program for executing the operations of the 230 and the financial institution virtual account core unit 330 may be provided, and a file for updating the core program may be provided. . A core program can do two or more operations in parallel:

First, in the case of the first to m personal virtual account issuing servers (200 ~ 200m), the operation of requesting the issuance of the virtual account and the registration of the personal virtual account information, and as a member of the virtual account block chain network 100 Issuing a virtual account at the same time.

Secondly, in the case of the first to n-th financial company servers 300 to 300n, an operation of requesting validation of the deposit generated by the virtual account and requesting registration of the deposit details is performed, and a member of the virtual account blockchain network 100. In this case, the operation of issuing a virtual account is performed in parallel.

Third, the core programs installed in the first to m-th individual virtual account issuing servers 200 to 200 m and the first to n-th financial company servers 300 to 300 n are the same, thereby issuing a virtual account according to a situation. The requesting operation, the requesting validation, and the operation of issuing a virtual account are performed in parallel.

In addition, the virtual account blockchain management server 400 is a core program that is installed and executed in the first to m-th individual virtual account issuing servers (200 ~ 200m) and the first to n-th financial company servers (300 ~ 300n) Supervision and / or management, and can also manage the core program running in the virtual account blockchain network (100).

Hereinafter, the personal virtual account issuance and the deposit operation using the personal virtual account in the personal virtual account system using the blockchain network according to an embodiment of the present invention will be described in detail with reference to FIGS. 3 to 5.

3 is a block diagram illustrating a first personal virtual account issuing server 200 according to an exemplary embodiment of the present invention shown in FIG. 2.

Referring to FIG. 3, the first personal virtual account issuing server 200 according to an embodiment of the present invention includes a personal virtual account communication unit 210, a virtual account linking business unit 220, a personal virtual account core unit 230, and an individual. The virtual account storage unit 240 may be included.

The personal virtual account communication unit 210 may communicate with the virtual account blockchain network 100 and the user terminal 10. For example, the personal virtual account communication unit 210 receives a request for issuing a personal virtual account from the user terminal 10, transmits a request for issuing a virtual account, requests for registration of personal virtual account information to the distributed virtual ledger. In order to confirm the deposit details by the user request, the peer may communicate with the virtual account blockchain network 100 by a peer to peer (P2P). In addition, the personal virtual account communication unit 210 may transmit personal virtual account information to the user terminal 10.

When the user terminal 10 accesses the first personal virtual account issuing server 200 to request the issuance of the virtual account, the virtual account linking unit 220 generates the virtual account issuing request page 500.

The personal virtual account communication unit 210 transmits the generated virtual account issuance request page 500 to the user terminal 10.

4 is a diagram illustrating an example of a virtual account issuance request page 500 according to an embodiment of the present invention displayed on the user terminal 10.

Referring to FIG. 4, the virtual account issuing request page 500 includes a financial company selection menu 510 for a user to trade, an item 520 for inputting an actual account number of a user registered in a selected financial company, and a virtual account issuing number selection menu. 530, a menu 540 for selecting one or more financial companies that the user deals with; an item 550 for inputting an account number (ie, a parent account) of a selected financial company; and a menu 550 for displaying a plurality of selected financial companies. The public virtual account issuing request menu 570 for requesting issuance of a public virtual account for real accounts registered with a plurality of selected financial companies may be included.

When the user selects the YES 570, the virtual account linking unit 220 may request the personal virtual account core unit 230 to issue the same number of virtual accounts to a plurality of financial institutions. In addition, when the user selects NO 580, the virtual account linking unit 220 may additionally generate a page (not shown) for generating a different personal virtual account for each selected financial institution and provide it to the user terminal 10. have.

When the user enters the virtual account issuing request information including the financial company, the actual account and virtual account issuance, and whether or not the public virtual account is issued for each financial institution, the virtual account issuance request page displayed on the user terminal 10, the personal virtual The account communication unit 210 receives virtual account issue request information from the user terminal 10.

The virtual account linking unit 220 may deliver virtual account issuance request information to the individual virtual account core unit 230.

The personal virtual account core unit 230 may request a virtual account issuance by creating a virtual account issuance request message including the virtual account issuance request information and transmitting the virtual account issuance request message to the virtual account blockchain network 100.

In addition, when one or more virtual accounts are issued from the virtual account blockchain network 100, the virtual account linking unit 220 may generate personal virtual account information including the virtual account issued to the user. Therefore, the personal virtual account information may include information corresponding to the virtual account issuance request information.

In addition, the personal virtual account core unit 230 may request registration of the personal virtual account information generated by the virtual account linking unit 220 to the virtual account distributed ledger of the virtual account blockchain network 100. The personal virtual account information may be used when the first financial institution server 300 responds to the validation request of the virtual account.

In addition, the personal virtual account core unit 230 may access the virtual account blockchain network 100 periodically or in real time to check whether the payment details to the personal virtual account issued to the user are registered in the virtual account distributed ledger.

The personal virtual account storage unit 240 may include a volatile memory and / or a nonvolatile memory. In order to implement and / or provide the operations, functions, and the like provided by the first personal virtual account issuing server 200, the personal virtual account storage unit 240 may include instructions or data related to components, one or more programs, and / or Software, operating system, etc. can be stored.

For example, the personal virtual account storage unit 240 may store virtual account issue request information and personal virtual account information generated for each user.

In addition, the program stored in the personal virtual account storage unit 240 may be issued a virtual account through the virtual account blockchain network 100, and manage the deposit details, and also other personal virtual account issuing server (for example When a request for issuing a personal virtual account is received through the virtual account blockchain network 100 from the 200 m), one or more virtual accounts are issued according to a preset algorithm to another personal virtual account issuing server (for example, 200 m). It may include a virtual account blockchain program that can be transmitted. The virtual account blockchain program may be downloaded from the virtual account blockchain management server 400 or may be directly installed in the first personal virtual account issuing server 200 by an administrator.

When the processor (not shown) executes the virtual account blockchain program, the above-described personal virtual account core unit 230 may be activated and operate. The virtual account linking unit 220 and the personal virtual account core unit 230 may be part of a processor (not shown) or may be implemented as separate modules to operate.

FIG. 5 is a block diagram illustrating a first financial company server 300 according to an exemplary embodiment of the present invention shown in FIG. 2.

Referring to FIG. 5, a first financial company server 300 according to an exemplary embodiment of the present invention includes a financial company communication unit 310, an account manager 320, a financial company virtual account core unit 330, and a financial company storage unit 340. can do.

The financial company communication unit 310 may communicate with the virtual account blockchain network 100. For example, the financial company communication unit 310 may communicate with the user terminal 10 for a financial transaction through a virtual account. In addition, the financial company communication unit 310 may communicate with the virtual account blockchain network 100 to request validation when a request for deposit into a virtual account occurs, and to request the registration of the deposit to the virtual account distributed ledger.

When the sender who receives the virtual account from the user makes a deposit request to the virtual account of the first financial company, the account manager 320 requests the validation of the virtual account in which the deposit request has occurred, and the validation response according to the validation request. It can be determined based on whether or not the deposit into the real account. That is, the account management unit 320 may request the financial institution virtual account core unit 330 to verify whether the amount requested to be deposited into the virtual account should be deposited in the recipient's name (ie, the user who issued the personal virtual account).

When the financial institution virtual account core unit 330 receives a validation request from the account management unit 320, the financial institution core unit 330 verifies whether the deposit generated for the virtual account from the virtual account distributed ledger in the virtual account blockchain network 100 is valid, and verifies the verification result. It may be delivered to the account management unit 320 as a validation response.

In detail, when the validation request is input, the financial institution virtual account core unit 330 includes the virtual account where the deposit request has occurred, information about a recipient who receives the money amount, information on the financial company of the virtual account, and deposits the virtual account. A validation request message including the requested amount may be generated and transmitted to the virtual account blockchain network 100.

In addition, the financial institution virtual account core unit 330 may verify the validity of the deposit generated for the virtual account by analyzing the validation response message received from the virtual account blockchain network 100.

For example, if the sender C requests the deposit to C to the virtual account B of the financial institution A, the financial institution virtual account core unit 330 asks whether the virtual account B of the financial institution A issued to the recipient D is stored. Generate a validation request message for querying the can be broadcast to the virtual account blockchain network (100). The members of the virtual account blockchain network 100 may compare the personal virtual account information stored in the distributed and stored virtual ledger distributed ledger with the validation request message and transmit a validation response message to the financial company communication unit 310 if there is matching information.

Therefore, when at least one validation response message indicating that information corresponding to the validation request message is registered from at least one member of the virtual account blockchain network 100 is received, the financial institution virtual account core unit 330 analyzes this. You can verify that the deposits made against your virtual account are valid.

The financial company virtual account core unit 330 may transmit a deposit validity response indicating the validity of the deposit to the account manager 320.

The account management unit 320 analyzes the validation response received from the financial institution virtual account core unit 330, and if the deposit generated for the virtual account is found to be valid, processes the amount to be actually deposited into the mother account of the virtual account, and deposits the deposit. The details may be created and notified to the financial institution virtual account core unit 330.

The financial company virtual account core unit 330 requests registration of the received deposit details to the virtual account distributed ledger of the virtual account blockchain network 100.

The financial company storage unit 340 may include a volatile memory and / or a nonvolatile memory. In order to implement and / or provide the operations, functions, and the like provided by the first financial institution server 300, the financial institution storage unit 340 may include instructions or data related to components, one or more programs and / or software, and an operating system. Can be stored.

For example, the financial institution storage unit 340 may store the deposit details requested to be deposited in the virtual account.

In addition, the program stored in the financial institution storage unit 340 is issued a virtual account of the institution or individual through the virtual account block chain network 100, requests the validation by the virtual account, and manages the deposit details, It may include a virtual account blockchain program that can issue a virtual account as a member of the virtual account blockchain network 100. The virtual account blockchain program may be downloaded from the virtual account blockchain management server 400 or may be installed directly on the first financial institution server 300 by an administrator.

When the processor (not shown) executes the virtual account blockchain program, the above-described financial institution virtual account core unit 330 may be activated and operated. The account management unit 320 and the financial company virtual account core unit 330 may be part of a processor (not shown) or may be implemented as a separate module to operate.

Hereinafter, the operation of issuing and depositing a virtual account by a personal virtual account system using a blockchain network according to an embodiment of the present invention will be described with reference to FIGS. 6 and 7.

Since the virtual account issuing method and the virtual account depositing method of FIGS. 6 and 7 may be implemented by the personal virtual account system using the blockchain network described with reference to FIGS. 2 to 5, the detailed description thereof will be omitted. In addition, the personal virtual account communication unit 210 of the first personal virtual account issuing server 200 and the financial company communication unit 310 of the first financial company server 300 are omitted for convenience of description.

6 is a flowchart illustrating a method for issuing a personal virtual account of the personal virtual account system using the blockchain network according to an embodiment of the present invention.

Referring to FIG. 6, the user terminal 10 may access the first personal virtual account issuing server 200 and request issuance of an initial virtual account (S605).

The virtual account linking unit 220 of the first personal virtual account issuing server 200 generates a virtual account issuing request page (S610) and transmits it to the user terminal 10 (S615).

When the user sets the virtual account issuance request information on the virtual account issuance request page displayed on the user terminal 10 (S620), the user terminal 10 transmits the virtual account issuance request information to the virtual account linkage business unit 220 ( S625).

The virtual account linking unit 220 transmits the virtual account issuance request information to the personal virtual account core unit 230 (S630), and the personal virtual account core unit 230 is a virtual account issuance request including the virtual account issuance request information. The message may be transmitted to the virtual account blockchain network 100 to request the issuance of the virtual account (S635).

The virtual account block chain network 100 may generate a virtual account based on the virtual account issuing request information included in the virtual account issuing request message and assign the virtual account to the personal virtual account core unit 230 (S640).

The personal virtual account core unit 230 transmits the allocated virtual account to the virtual account linking unit 220 (S645).

The virtual account linking unit 220 may issue the virtual account received in operation S650 to the user terminal 10 (S650) and generate personal virtual account information including the virtual account issued to the user terminal 10. (S655).

When the virtual account linking unit 220 requests the personal virtual account core unit 230 to register the personal virtual account information (S660), the personal virtual account core unit 230 registers the personal virtual account information in the virtual account distributed ledger. The virtual account block chain network 100 may be requested to make a request (S665).

The virtual account blockchain network 100 may distribute and store the personal virtual account information received in step S665 in the virtual account distributed ledger (S690).

7 is a flowchart illustrating a method of depositing a virtual account of a personal virtual account system using a blockchain network according to an exemplary embodiment of the present invention.

Referring to FIG. 7, when a sender requests a deposit to a virtual account of a first financial company in a recipient's name (S705), the account manager 320 of the first financial company server 300 may request a deposit of a virtual account. Validation may be requested to the financial company virtual account core unit 330 (S710). The recipient name may be user information for which a virtual account is issued through the operation of FIG. 6.

The financial institution virtual account core unit 330 may generate a validation request message and transmit the generated validation request message to the virtual account blockchain network 100 when the validation request is input in step S710 (S715 and S720).

The virtual account blockchain network 100, that is, the computers constituting the virtual account blockchain network 100 check whether the information matching the virtual account and the recipient information included in the validation request message is registered, and includes the verification result. The validation response message is transmitted to the first financial institution server 300 (S725). In operation S725, the members of the virtual account blockchain network 100 compare the validation request message with the distributed personal virtual account information and write a validation response message only when matching information is registered to the first financial institution server 300. Can also be sent. In this case, the validation response message may include actual account information of the user who is the parent account of the virtual account.

Alternatively, in step S725, members of the virtual account blockchain network 100 may compare the validation request message with the distributed personal virtual account information and create a validation response message and transmit the generated validation response message to the first financial institution server 300 even if they do not match. have.

The financial company virtual account core unit 330 may verify the validity of the deposit generated for the virtual account by analyzing the validation response message received from step S725 (S730). For example, if the validation response message contains the same information as the virtual account and the recipient information included in the validation request message, the financial institution virtual account core unit 330 in the S730 deposit to the virtual account It can be determined that this is valid.

In addition, the financial company virtual account core unit 330 may transmit a deposit validity response indicating the validity of the deposit to the account manager 320 (S735). If the deposit is valid, the financial company virtual account core unit 330 may transmit the actual account number of the recipient included in the validation response message to the account manager 320 in step S735.

If the account management unit 320 confirms that the deposit generated for the virtual account is valid by analyzing the validation response received from step S735, the amount is actually deposited to the real account which is the parent account of the virtual account, and the deposit deposited to the mother account. Details can be created (S740).

When the account management unit 320 notifies the financial institution virtual account core unit 330 of the created payment details (S745), the financial company virtual account core unit 330 distributes the received deposit details to the virtual account of the virtual account block chain network 100. Registration can be requested in the ledger (S750).

The virtual account blockchain network 100 stores and stores the deposit details requested for registration in the virtual account distributed ledger (S755).

In addition, the personal virtual account core unit 230 may access the virtual account blockchain network 100 periodically or in real time to check whether the deposit details deposited in the virtual account issued to the user are registered in the virtual account distributed ledger ( S760).

The personal virtual account core unit 230 may receive the deposit details confirmed in step S760 and deliver them to the virtual account linking unit 220 (S765 and S770).

The virtual account linking unit 220 analyzes the received payment details and checks the details deposited from the sender to the virtual account included in the personal virtual account information, and checks the deposit details and the confirmation link confirmed by the user terminal 10. You can notify.

Meanwhile, in the embodiment described with reference to FIGS. 6 and 7, when the first financial institution server 300 requests a deposit to the virtual account, the virtual account block chain network 100 confirms whether the recipient's virtual account is valid. And, when it is valid, the operation of receiving the mother account information of the virtual account from the virtual account block chain network 100 has been described.

As another embodiment, the financial institution virtual account core unit 330 of the first financial institution server 300 accesses the virtual account blockchain network 100 in real time after step S670 to individually access the virtual account corresponding to the first financial institution. Personal virtual account information including the issued user information and the virtual account issued by the user may be provided from the virtual account blockchain network 100 and may be periodically stored and updated in the first financial company server 300. In this case, the first financial institution server 300 may omit steps S710 to S735, and may perform self-validation by using previously stored personal virtual account information in step S705 or S710.

On the other hand, the virtual account issuing and depositing method of the personal virtual account system using the blockchain network according to the present invention may be provided included in the recording medium that can be read through a computer by a program of instructions for implementing the type is implemented tangibly It is easily understood by those skilled in the art.

That is, the virtual account issuing and depositing method of the personal virtual account system using the blockchain network according to the present invention is implemented in a program form that can be executed through various computer means, and can be recorded on a computer readable recording medium. The readable recording medium may include program instructions, data files, data structures, etc. alone or in combination. The computer-readable recording media may include magnetic media such as hard disks, optical media such as CD-ROMs, DVDs, and ROMs, RAMs, flash memories, USB memories, and the like. Hardware devices specifically configured to store and execute program instructions are included.

Accordingly, the present invention may provide a program stored in a computer readable recording medium executed on the personal virtual account issuing server and a financial institution server to implement a method of issuing and depositing a virtual account of a personal virtual account system using a blockchain network. .

On the other hand, while described and illustrated in connection with a preferred embodiment for illustrating the technical idea of the present invention, the present invention is not limited to the configuration and operation as shown and described as described above, and depart from the scope of the technical idea It will be apparent to those skilled in the art that many modifications and variations can be made to the present invention without departing from the scope of the invention. Accordingly, all such suitable changes and modifications and equivalents should be considered to be within the scope of the present invention. Therefore, the true technical protection scope of the present invention will be defined by the technical spirit of the appended claims.

10: user terminal
100: virtual account blockchain network
200-200m: First to m-th individual virtual account issuing servers
300 to 300n: first to nth financial company servers
400: virtual account blockchain management server

Claims (15)

When a request for issuing a virtual account using a user's real account as a parent account is received from a user terminal, a request for issuing a virtual account using the user's real account as a parent account, and when a virtual account is issued, the issued one or more virtual accounts, the virtual Request a virtual account blockchain network to register personal virtual account information including the mother account of the account and the user's information, and issue a personal virtual account for transmitting one or more virtual accounts received from the virtual account blockchain network to the user terminal. server; And
Issuing one or more virtual accounts to the real account of the user in response to a request from the personal virtual account issuing server, and transmits the issued one or more virtual accounts to the personal virtual account issuing server, of the personal virtual account issuing server A virtual account blockchain network for distributing and storing the personal virtual account information in a virtual account distributed ledger composed of blockchains upon request;
The personal virtual account issuing server,
When the user terminal connects to the personal virtual account issuing server and requests issuance of a virtual account, the user includes a financial company selection menu for the user to trade, an item for inputting an actual account registered with the financial company, and a menu for selecting the number of virtual account issuance. A virtual account linking unit generating a virtual account issuance request page;
A personal virtual account communication unit which transmits the generated virtual account issuing request page to the user terminal and receives virtual account issuing request information including the number of financial companies, real accounts, and virtual account issuing transactions from the user terminal; And
And a personal virtual account core unit requesting the virtual account block chain network to issue a virtual account based on the received virtual account issue request information. delete The method of claim 1,
The virtual account linked business unit,
The virtual account issuing request page further includes a public virtual account issuing request menu for selecting a plurality of financial companies that the user deals with and requesting issuance of a public virtual account for real accounts registered with the selected plurality of financial companies. Personal virtual account system using a blockchain network, characterized in that. The method of claim 1,
The virtual account linked business unit,
When one or more virtual accounts are issued from the virtual account blockchain network by a virtual account issuance request, the personal virtual account information is generated,
The personal virtual account core unit,
Personal virtual account system using a block chain network, characterized in that for registering the generated personal virtual account information to the virtual account distributed ledger. The method of claim 1,
When a deposit request through the virtual account issued to the user is generated, verify whether the virtual account is valid from the personal virtual account information distributed in the virtual account distributed ledger, and if the virtual account is verified to be valid, It further comprises a financial company server to process the actual deposit to the real account of the mother account, and register the deposit details deposited into the real account to the virtual account distributed ledger;
The deposit details, personal virtual account system using a block chain network, characterized in that the virtual account, the actual amount deposited into the virtual account and the date and date of the deposit, and information about the user who attempted to deposit into the virtual account . The method of claim 5,
The financial company server,
An account manager for requesting validation of a virtual account in which the deposit request has occurred and determining whether to deposit money into the real account based on a validation response according to the validation request; And
When the validation request is input from the account management unit, the virtual account core unit for verifying that the virtual account is valid from the virtual account distribution ledger, and delivers a verification result to the account management unit as the validation response; Personal virtual account system using a blockchain network, characterized in that. The method of claim 6,
The financial company virtual account core unit,
Generating a validation request message including a virtual account in which the deposit request has occurred, information about the user, and financial company information to which the virtual account belongs, and transmitting the generated validation request message to the virtual account blockchain network;
The personal virtual account system using the block chain network, characterized in that to validate the virtual account by analyzing the validation response message received from the virtual account blockchain network. The method of claim 6,
The account management unit,
If it is confirmed that the virtual account is valid as a result of analyzing the validation response, the deposit generated for the virtual account is processed to be actually deposited into the real account, and the details of the deposit deposited into the real account are included in the financial company virtual account core unit. To notify
The financial company virtual account core unit,
Personal virtual account system using the block chain network, characterized in that for requesting registration of the received deposit details in the virtual account distributed ledger in the virtual account block chain network. The method of claim 5,
The personal virtual account issuing server,
The user accesses the virtual account blockchain network in real time to check whether the deposit details of the virtual account are registered in the virtual account distributed ledger, and when the deposit details are registered, the user records the deposit details registered in the virtual account blockchain network. Personal virtual account system using a blockchain network, characterized in that the transmission to the terminal. The method of claim 6,
Providing a core program for executing the personal virtual account core unit and the financial institution virtual account core unit to the personal virtual account issuing server and the financial institution server, each of which is a member of the virtual account block chain network, and manages the virtual account block chain network; Blockchain virtual account management server; Personal virtual account system using a blockchain network, characterized in that it further comprises. (A) requesting, by the personal virtual account issuing server, to issue a virtual account using the user's real account as a parent account when a request for issuing a virtual account using the user's real account is received from the user terminal;
(B) the virtual account blockchain network issuing one or more virtual accounts to the real account of the user according to the request of step (A), and transmitting the issued one or more virtual accounts to the personal virtual account issuing server;
(C) transmitting, by the personal virtual account issuing server, the one or more virtual accounts received from the step (B) to the user terminal;
Step (A) is
(A1) When the user terminal requests an initial virtual account issuance by accessing the personal virtual account issuing server, the user selects a financial company selection menu, an item for inputting an actual account registered with the financial company, and a number of virtual account issuances. Generating a request for issuing a virtual account including a menu and transmitting the request page to the user terminal;
(A2) receiving, from the user terminal, virtual account issuance request information including a financial company, a real account, and a virtual account issuance number set by the user through the virtual account issuance request page; And
(A3) requesting a virtual account issuance to the virtual account blockchain network based on the received virtual account issuance request information; virtual account issuing and depositing method of a personal virtual account system using a blockchain network comprising a. delete The method of claim 11,
(D) When one or more virtual accounts are issued from the virtual account blockchain network, the personal virtual account issuing server may provide the personal virtual account information including the issued one or more virtual accounts, the parent account of the virtual account, and the user. Generating and requesting registration with the virtual account blockchain network; And
(E) distributing and storing the personal virtual account information in a virtual account distributed ledger composed of block chains by the virtual account blockchain network; issuing a virtual account of the personal virtual account system using the blockchain network Deposit method. The method of claim 13,
(F) When a financial institution server makes a deposit request through a virtual account issued to the user, verifies whether the virtual account is valid from personal virtual account information distributed and stored in the virtual account distributed ledger, and confirms that the virtual account is valid. If it is verified, processing the actual deposit to the real account that is the parent account of the virtual account, and requesting registration of the deposit details deposited in the real account to the virtual account distributed ledger;
The deposit details, personal virtual account system using a block chain network, characterized in that the virtual account, the actual amount deposited into the virtual account and the date and date of the deposit, and information about the user who attempted to deposit into the virtual account How to Issue and Deposit Your Virtual Account. The method of claim 14,
(G) A blockchain virtual account management server issues a virtual account to a user using the virtual account blockchain network to the personal virtual account issuing server and the financial institution server that are members of the virtual account blockchain network, and through the virtual account. Issuing a virtual account of the personal virtual account system using a block chain network, further comprising the step of providing a core program for processing the deposit to the mother account according to the validity of the deposit, and managing the virtual account block chain network; Deposit method.

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