KR20180054975A - Method for Operating Mobile Lending and Borrowing based on Verification of the Remittee - Google Patents

Abstract

The present invention relates to a method of a mobile loan transaction based on proof of receiver, and in a method executed through an operation server operating financial transactions between a sender and a receiver, the method of a mobile loan transaction based on proof of receiver according to the present invention comprises: a first step of receiving loan transaction request information including sender′s account information, a transaction amount and receiver′s wireless terminal information from a sender′s wireless terminal; a second step of setting delay or locking on the basis of the loan transaction request information so that the transaction amount may not be withdrawn or transferred from a sender′s account corresponding to the sender′s account information without an electronic signature of the receiver or transaction cancellation of the sender; a third step of requesting and receiving reception information including receiving account information from the receiver′s wireless terminal through the receiver′s wireless terminal information; a fourth step of creating an electronic document of promissory note proving that the receiver borrows the transaction amount, including transaction details corresponding to the loan transaction request information and the reception information, or requesting to put an electronic signature of the receiver on the electronic document of promissory note using a certificate of the receiver, and confirming the electronic document; a fifth step of verifying the electronic signature of the receiver using the certificate of the receiver; and a sixth step of allowing, when the electronic signature of the receiver is verified, transfer of the transaction amount from the sender′s account and processing transfer of the transaction amount to a receiving account corresponding to the receiving account information of the reception information.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention [0002] The present invention relates to a method and apparatus for mobile borrowing,

When the remitter requests the borrower transaction based on the remittee certificate at the time of the money transaction in which the remitter specifies the remittee wireless terminal information to remittee to remit the remittance transaction amount, the remittance electronic signature or remittance transaction amount can be withdrawn / And transmits the received transaction information to the receiver wireless terminal. When the receiver information is received, the receiver wireless terminal verifies the receiver's identity based on at least the electronic signature using the receiver's certificate, After the electronic signature is signed by the person himself / herself to borrow the transaction amount, transfer of the transaction amount is allowed in the remitter's account, and the transaction amount is transferred to the receipt account corresponding to the received information.

In the past, when a remitter has sent a predetermined amount to a remittee, a remittance transaction is provided in a form in which the remittance amount is immediately withdrawn from the remitter's account and transferred to the remitter account at the same time as the remittance transaction request of the remitter. A problem has occurred.

In the case of the conventional remittance transaction, even if an anomaly or voice phishing occurs, it is considered that the remitter is considered to be careless, and it is almost impossible or very difficult to recover or refund the money that has been fraudulently borne by money or voice phishing .

Accordingly, it is possible to provide a function of blocking the source of money, such as a mistake transfer or voice phishing, while the remitter sends remittance to the remittee, and at the same time, to prevent fraudulent money There is a need to prepare a way to recover or refund the funds, but the technology proposed in the past has difficulties in achieving this.

In order to solve the above-described problems, the present invention provides an information processing method and system for managing borrowing transaction request information, which includes, when receiving borrowing transaction request information including remitter account information, a transaction amount and remittee wireless terminal information from a remitter wireless terminal, Lock / unlock the transaction amount from the account of the remitter corresponding to the remitter account information without canceling the electronic signature or the remittance transaction of the remitter, and transmits / receives the remittance information including the account information to the remittee wireless terminal through the remittee wireless terminal information And generates an inquiry electronic document for borrowing the transaction amount by the recipient himself or herself including the transaction content corresponding to the borrowing transaction request information and the receipt information or transmits the receipt electronic document using the recipient's certificate to the borrowing- If the signature is verified and verified, Allowing the transfer of the amount to which the recipient proves Mobile borrowing transactions based method to transfer processing the transaction amount to the account receivable corresponding to the received account information of the received information to provide.

A mobile borrowing transaction method based on a receiver identification certificate according to the present invention is a method executed by an operation server that manages a money transaction between a remitter and a remitter, the remittance transaction information including a remitter account information, a transaction amount, A first step of receiving borrowing transaction request information based on the borrowing transaction request information based on the borrower transaction request information, deleting / locking the transaction amount from the remitter account corresponding to the remitter account information without canceling the remitter electronic signature or the remittance transaction of the remitter, A third step of requesting receipt information including receipt account information to the recipient wireless terminal through the recipient wireless terminal information and receiving the transaction information; and a third step of receiving transaction information corresponding to the transaction request information and the receipt information Or the like, to create an electronic signature for the borrower to borrow the transaction amount, A fourth step of requesting a digital signature of the recipient using the recipient's certificate to verify the digital signature of the beneficiary; and a fifth step of verifying the digital signature of the recipient using the certificate of the recipient; And a sixth step of permitting the transfer of the transaction amount and transferring the transaction amount to the receiving account corresponding to the receiving account information of the received information.

According to the present invention, the received account information includes at least one of account information corresponding to a real account of a payee name, account information corresponding to a virtual account of a payee name, and account information input via a remittee wireless terminal for receiving a transaction amount . ≪ / RTI >

According to the present invention, the received information further includes payee identification information that uniquely identifies the payee. The mobile borrowing transaction method based on the payee identification, when receiving payee information from the payee wireless terminal, And performing a procedure of providing the account information and remittee identification information to the corresponding financial company server to authenticate the account holder of the account receivable to the remittee corresponding to the remittee identification information.

According to the present invention, the received information further includes payee identification information that uniquely identifies the payee. The mobile borrowing transaction method based on the payee identification, when receiving payee information from the payee wireless terminal, And performing a procedure of confirming the real name of the receiver by providing the receiver identification information and the receiver wireless terminal information to the communication company server corresponding to the receiver.

According to the present invention, in the mobile borrowing transaction method based on the receiver identification, when the receiver information is received from the receiver wireless terminal, the account state registration information of the receipt account is confirmed through the financial server corresponding to the receiver account information, And performing a procedure of providing the account state registration information and the remittee wireless terminal information to the communication company server corresponding to the remittee wireless terminal information and authenticating that the account state of the receiving account is the subscriber of the remittee wireless terminal.

According to the present invention, the fourth step includes requesting the remittee wireless terminal to perform digital signature authentication using the remittee's certificate, and receiving digital signature-based authentication information using the remittee's certificate from the remittee's wireless terminal .

According to the present invention, the first step further includes receiving the contents of the security transaction contract entered by the remitter, and the mobile terminal transaction method based on the remittee certificate includes: receiving the received information from the remittee wireless terminal And generating an electronic service document including the content of the transaction corresponding to the borrowing transaction request information and the received information and including the contents of the reassurance transaction contract.

According to the present invention, the first step further includes receiving a security transaction contract item selected by the remitter, and the mobile terminal transaction method based on the remittee certificate includes: when receiving information from the remittee wireless terminal, The method may further include generating an inquiry electronic document including the content of the transaction corresponding to the borrowing transaction request information and the receipt information and including the content of the security transaction contract corresponding to the security transaction contract item.

According to the present invention, in the mobile borrowing transaction method based on the receiver identification, when the receiver information is received from the receiver wireless terminal, the mobile borrowing transaction method includes transaction details corresponding to the borrowing transaction request information and the receipt information, And a step of generating an electronic document of a chartered surname.

According to the present invention, the fourth step may include: requesting a digital signature using the recipient's certificate by providing the digital signature to the recipient wireless terminal; And receiving the signed payee digital signature.

According to the present invention, in the mobile borrowing transaction method based on the remittee proof, when the borrowing electronic document is generated, the hash value generated by unidirectionally hashing the borrowing electronic document with a specified hash algorithm is included as a leaf node A root hash of the Merkle Tree including i hash values of at least i (i 1) number of i-th document is generated, and the generated root hash and the operation of the specified degree of difficulty An Nth document validation block is generated in which an Nth (N? 1) leaf block including a proof value (Nounce) is generated and i i-th beneficiary electronic documents are attached to the generated Nth lip block, And to be stored in the management DB.

According to the present invention, the block encryption step may include providing the IUE to a designated block cipher server, wherein the block cipher server generates a hash value by unidirectionally hashing the IUE document with a specified hash algorithm, A Root Hash (RH) of a Merkle Tree including i hash values of at least i (i? 1) IUE documents including the generated hash value as a leaf node, (B) generating an Nth unbuffered lip block including the block authentication of the previous document authentication block and the generated root hash but not including the job certification value; (b) The block encryption server provides difficulty values of the Nth unfinished lip block and the designated proof of work (POW) to at least M (M? 1) operation servers associated with the block cipher server,A step c) of requesting a distributed operation of a work proof value of a designated degree of difficulty for a first N unfinished lip block, A step d) of receiving a N-block acknowledgment corresponding to the valid task certification value and a valid task certification value that is the earliest successful operation from the operation server; And an e < th > step of creating an N < th > document authentication block by attaching i < th > i < th > .

According to the present invention, in the mobile borrowing transaction method based on the recipient's proof, when a recipient electronic signature is attached to the above-mentioned borrowing electronic document through the recipient's certificate, the borrowing- And storing it in a storage place.

According to the present invention, the recipient's electronic signature can be verified or verified without paying the transaction amount immediately to the receipt account at the time of the borrowing transaction by transferring a predetermined transaction amount from the account of the remitter to the receiving account of the remittee. In this case, by depositing the transaction amount to the receiving account, there is an advantage in that it can prevent financial accidents using an anonymous money transfer, voice phishing, and a cannon bank account.

According to the present invention, the account name of the receiving account is verified as the recipient's own name, without transferring the transaction amount to the receiving account at the time of the borrowing transaction in which the predetermined transaction amount is transferred from the account of the remitter to the receiving account of the remittee. If the recipient's digital signature is verified or verified using the certificate, the transaction amount is transferred to the receipt account, thereby making it possible to prevent financial accidents using mistakes, voice phishing, and cannon passbooks.

According to the present invention, when a borrower makes a loan transaction by transferring a predetermined amount of transaction from the account of the remitter to the account of the remittee, the electronic signature of the borrower is added to the electronic signature of the borrower, There is an advantage to establish a legal basis for remittance to the recipient and receipt by the recipient, either by keeping it in a custody, or by making a permanent duplicate record with block encryption.

According to the present invention, in the case of a borrowing transaction in which a predetermined transaction amount is transferred from an account of a remitter to a receiving account of the remittee, the transaction content of the borrowing transaction is input and selected, By retaining the electronic signature of the beneficiary in the electronic signature of the borrower and storing it in an authorized electronic archive or by encrypting the block with an unalterable duplicate record, it is possible to prevent the unauthorized There is an advantage of providing a legal basis to resolve this situation.

1 is a diagram showing a configuration of a mobile borrowing transaction system based on a receiver identification according to an embodiment of the present invention.
2 is a diagram illustrating a borrower transaction request process and a remitter-side transaction process according to an embodiment of the present invention.
FIG. 3 is a diagram illustrating a process of receiving information from a recipient or a recipient digital signature according to an embodiment of the present invention.
FIG. 4 is a diagram illustrating a process of processing block encryption for an electronic document for an unauthorized use according to an embodiment of the present invention.
FIG. 5 is a diagram illustrating a process of storing an electronic service document in an electronic document repository according to an embodiment of the present invention.
6 is a diagram illustrating a process of processing an acceptance transaction based on a recipient's certificate according to an embodiment of the present invention.

The operation principle of the preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings and description. It should be understood, however, that the drawings and the following detailed description are exemplary and explanatory and are intended to provide further explanation of the invention, and are not to be construed as limiting the present invention.

In other words, the following embodiments correspond to the preferred embodiment of the preferred embodiment of the present invention. In the following embodiments, a specific configuration (or step) is omitted, or a specific configuration (or step) (Or steps), or an embodiment that incorporates functions implemented in more than one configuration (or step) into any one configuration (or step), a particular configuration (or step) It will be apparent that the present invention is not limited to the embodiments described below. Therefore, it should be clearly stated that various embodiments corresponding to subsets or combinations based on the following embodiments can be subdivided based on the filing date of the present invention.

In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. The terms used below are defined in consideration of the functions of the present invention, which may vary depending on the user, intention or custom of the operator. Therefore, the definition should be based on the contents throughout the present invention.

As a result, the technical idea of the present invention is determined by the claims, and the following embodiments are merely means for effectively explaining the technical idea of the present invention to a person having ordinary skill in the art to which the present invention belongs Only.

FIG. 1 is a diagram illustrating a configuration of a mobile borrowing transaction system based on a payee identification according to an embodiment of the present invention.

More specifically, FIG. 1 shows a case where a remitter requests a borrower transaction based on a remittee certificate at the time of a money transaction in which a remitter specifies remittee wireless terminal information to remit a predetermined transaction amount to a remittee, If the receipt information is received by the receiver wireless terminal 170 and the receipt information is received from the receiver wireless terminal 170, the receipt information is transmitted to the receiver 170 based on the digital signature using at least the recipient's certificate. A system for transferring the transaction amount to a receipt account corresponding to the receipt information by permitting transfer of the transaction amount from the remitter's account after digitally signing the charter that the recipient borrows the transaction amount, And is intended to cover any and all embodiments having ordinary skill in the art to which this invention pertains. It is possible to refer to and / or modify the FIG. 1 to various implementations of the configuration of the mobile-borne transaction system (e.g., some of the components may be omitted, or subdivided, or combined) The present invention is not limited to the above-described embodiments, and various modifications and changes may be made without departing from the scope of the present invention.

The money transaction between a remitter and a remitter according to the present invention is a remittance-side transaction in which a remitter electronic signature or a remitter account corresponding to the remitter account information is canceled without canceling a remitter's account, And a receiving-side receiving transaction for receiving the transaction amount to the receiving account by providing information. Conventionally, in a money transaction between a remitter and a remitter, when a remitter requests remittance of a predetermined amount of money from a remitter account to a remitter account, the amount of money is immediately transferred from the remitter account to the remitter account irrespective of the remitter, Problems such as remittance or voice phishing have occurred. However, according to the present invention, a monetary transaction between a remitter and a receiver is separated into a remitter-side transaction and a remittance-side receiving transaction, and a single monetary transaction is completed by combining them. And the recipient himself / herself is digitally signed by the beneficiary himself / herself to borrow the transaction amount, and then the recipient is verified and the beneficiary receives the transaction amount after the electronic signature of the charter is verified.

Meanwhile, the present invention can be applied to an account file name validation process for verifying that the account name of the account is the recipient of the account and / or the invoice electronic document corresponding to the invoice, And the present invention clearly encompasses these procedures as well as the scope of the present invention.

In addition, the present invention includes the content of a trust transaction contract entered / selected or automatically set up on a borrowing electronic document by a remitter, so that the liability of various legal problems (e.g., voice phishing, etc.) (For example, when a phishing phishing occurs, the transaction amount is refunded to the remitter's account) and attaches the recipient's electronic signature to the document, thereby providing a basis for solving the problem based on the electronic document for the borrowing even if an unexpected problem occurs to provide.

The borrower transaction system of the present invention performs a procedure for operating a remitter-side transaction in cooperation with the remitter wireless terminal 160 used by the remitter, the remittee wireless terminal 170 used by the remittee, and the remitter's wireless terminal 160, A procedure of operating a receiving transaction in connection with the wireless terminal 170 is performed. At least, the recipient himself / herself is verified based on the digital signature using the certificate of the recipient, And an operation server (100) for operating a transaction to be performed, and further comprising at least one financial server (180) for processing the remitter-side transaction and / or an acceptance transaction, and an authorized person The electronic document repository 195, and the like, and it is also possible to process the block encryption for the chartered electronic document according to the embodiment A lock password server 190 is achieved by further comprising.

The remitter wireless terminal 160 is a collective term of a wireless terminal used by a remitter of a money transaction according to the present invention, and may preferably include at least one smart phone, a mobile phone, a tablet PC, and the like used by a remitter. Meanwhile, according to the embodiment, the remitter's wireless terminal 160 can be extended to the remitter terminal including various wired terminals in addition to the wireless terminal used by the remitter, and the embodiment using the remitter terminal can also be included in the scope of right I clarify it clearly.

According to the embodiment of the present invention, the remitter's wireless terminal 160 can be installed with an app for a money transaction (or at least a remitter's side transaction) between a remitter and a remitter. Meanwhile, when the remitter wireless terminal 160 can request a money transaction (or a remitter transaction) with the remittee via the web (e.g., mobile web), a separate app may not be installed and the present invention is not limited thereto No. Hereinafter, technical features of the present invention will be described focusing on an embodiment in which a designated application is installed and executed in the remitter wireless terminal 160 for convenience.

The recipient wireless terminal 170 is a general term of a wireless terminal used by a recipient of a money transaction according to the present invention, and may preferably include at least one smart phone, a mobile phone, a tablet PC, and the like, which are used by a recipient. Meanwhile, the recipient wireless terminal 170 may be extended to the recipient terminal including the wired terminal in addition to the wireless terminal used by the recipient, and the present invention may include the embodiment using the recipient terminal I will make it clear.

According to the embodiment of the present invention, the recipient wireless terminal 170 does not have to install and execute an app for receiving transactions before receiving a receipt transaction (or receipt information). However, A predetermined app can be installed and executed for a procedure such as a recipient electronic signature according to the present invention or for confirming an account name and real name (or block encryption or digital signature storage). On the other hand, in the case where the procedure such as the recipient electronic signature or the account name real name confirmation (or the block encryption or the digital signature archive) can be processed through the web (for example, mobile web), a separate application may not be installed and executed The present invention is not limited thereto. Hereinafter, technical features of the present invention will be described focusing on an embodiment in which a designated app is installed and executed in the recipient wireless terminal 170 for convenience.

The financial company server 180 includes a remitter's financial server 180 that opens a remittance account and processes at least remittance-side transactions, a remittee server 180 that opens a remittance account and at least processes the remittance transaction on the remittee side The remitter financial server 180 and the remitter financial server 180 may be servers provided in the same financial institution or servers provided in other financial companies linked through the financial cooperative network. Meanwhile, it is clear that the operating server 100 may be a server (or a financial company server 180) provided in a financial institution according to the embodiment, and that the present invention can be included in the scope of the present invention.

The block cipher server 190 is a collective term for a server that processes block encryption for the chartered electronic document when a chartered electronic document for a money transaction (or at least a recipient's account receipt transaction) between a sender and a recipient is generated, May be implemented as a separate server linked with the server 100 and may be implemented in the form of a program module for processing block encryption in the operation server 100 according to an implementation method. Meanwhile, according to the embodiment, the block cipher server 190 is implemented as a server for processing block encryption for each electronic document generated by each operation server 100 in cooperation with M (M? 1) operation servers 100 And the present invention includes such a block cipher server 190 as a right scope. For example, the block cipher server 190 may include an operation server 100 for operating a money transaction between a sender and a recipient according to the present invention, an operation server 100 for operating money borrowing and lending transactions between the lender and the borrower, The server 100 may be implemented as a server for processing block encryption in cooperation with a plurality of operation servers 100 such as a server for operating an inter-requestor investment transaction and a server for operating a real estate transaction.

According to the embodiment of the present invention, the block cipher server 190 confirms the IOU document provided from the operation server 100, generates a hash value by unidirectionally hashing the IOU document with a designated hash algorithm, The root hash of the Merkle Tree including the i hash values of at least i (i 1) number of i-th document including the generated hash value as a leaf node Can be generated. Thereafter, the block cipher server 190 generates N (N > = 1) unfinished lip blocks including the block authentication (or first block authentication) of the previous document authentication block and the generated root hash, And the block cipher server 190 provides the generated N-th unfinished lip block and the designated job certification difficulty value to at least M (M? 1) operation servers 100 associated with the M cipher servers 190, (100), the block cipher server (190) requests a distributed operation of the work proof value of the specified degree of difficulty for the Nth unfinished lip block, and then the block cipher server (190) m (1 < = m < M) from the operational server 100 and an Nth block corresponding to the valid work certification value. The block cipher server 190 completes the N-th LIP block by substituting the calculated job proof value and the N-th block hash into the N-th non-provisional LIP block, and transmits the i- To generate an Nth document authentication block.

The operation server 100 operates a remittance electronic signature procedure for proof of remittee while operating a money transaction between a remitter and a remittee according to the present invention, The block password server 190 and the electronic document repository 190 interlock with one or more financial company servers 180 in cooperation with the remitter's wireless terminal 160 to the remittee wireless terminal 170, (195).

1, the operation server 100 includes a transaction request receiving unit 105 for receiving borrowing transaction request information including remitter account information, transaction amount, and remittee wireless terminal information from the remitter's wireless terminal 160, A remitter processing unit 110 for processing a remitter-side transaction using the remitter account information and the transaction amount based on the borrowing transaction request information; and a remitter processing unit 110 for processing remittance-side transactions using the remitter transaction information, An acceptance information request unit 115 for requesting acceptance information for the received transaction, and an acceptance information verification unit 120 for confirming acceptance information including one or more information inputted / selected through the remitter wireless terminal 160 And if the received information confirmed by the received information confirmation unit 120 includes the received account information and the remittee's identification information, the account information of the account receivable account corresponding to the received account information Price and a primary account, the authentication unit 125 to perform the procedures to verify that the recipient's real name I corresponding to the payee identifying information.

The remitter's wireless terminal 160 requests a money transaction for transferring a predetermined transaction amount to a recipient by driving a designated application (or accesses through a browser), and transmits the money transaction through the interface displayed for the money transaction at least One or more pieces of transaction information including information necessary for the remitter-side transaction and information necessary for linking the remitter-side transaction with the receiving transaction on the remittee side are inputted / selected.

According to an exemplary embodiment of the present invention, after one or more transaction information including information for a remitter-side transaction and / or information for linking the remitter-side transaction with a receipt transaction is input / selected through the remitter's wireless terminal 160 , And the remitter's wireless terminal 160 can request a well-known remittance transaction using the transaction information. In this case, the transaction request receiving unit 105 receives the remittance transaction request information including the transaction information, You can proceed with the remittance transaction according to the procedure.

Meanwhile, when at least one transaction information including information for the remitter-side transaction and / or the remitter-side transaction is input / selected through the remitter's wireless terminal 160, the remitter's wireless terminal 160 ) Or automatically supports the borrowing transaction according to the present invention by the remitter's wireless terminal 160, the remitter's wireless terminal 160 includes the input / selected one or more pieces of transaction information And transmits the transaction request information. Preferably, the borrowing transaction request information includes remitter account information (or identification information for identifying previously registered remitter account information), transaction amount, remittee wireless terminal information (or identification information for identifying previously registered remittee wireless terminal information) (For example, a withdrawal transaction by a sender or an ATM cash withdrawal) or a transfer (for example, a transfer transaction by a remitter, etc.) in the remitter account without canceling the remitter's electronic signature or the remitter's transaction, ), At least one password for setting a delay or setting a lock, a transaction number such as a security card random number, an OTP (One Time Password), and a digital signature using a remitter certificate. Meanwhile, the borrowing transaction request information may further include payee account information and a payee identifier (for example, payee ID, payee mail address, wire telephone number subscribed to the operation server 100) according to the method. The invention is not limited.

Meanwhile, when the remitter includes the contents of the selected / selected reward transaction, the remitter wireless terminal 160 receives the contents of the reward transaction, And transmits the content of the input / selected security transaction agreement, or may transmit the contents of the input / selected security transaction agreement to the borrowing transaction request information. Meanwhile, when the contents of the reassuring electronic transaction are automatically included in the reissuance electronic document when the electronic ID document is generated through the electronic document creation unit 130, the remitter wireless terminal 160 transmits a separate reassurance contract content, It is not necessary to transmit the item, and thus the present invention is not limited thereto.

The transaction request receiving unit 105 receives remittant account information (or identification information for identifying previously registered remittant account information) for the remitter-side transaction from the remitter's wireless terminal 160 and includes a transaction amount and a remittance- (Or identification information for identifying the re-registered recipient wireless terminal information) for interlocking with the remittee, and further includes the content of the selected / selected safe trading agreement by the remitter according to the execution method Quot; transaction request information "

When the borrower processing unit 110 receives the borrowing transaction request information from the remitter's wireless terminal 160 through the transaction request receiving unit 105, the remitter processing unit 110 confirms the remitter's financial institution server 180 corresponding to the remitter account information And requests the financial company server 180 to perform a remitter-side transaction using the borrowing transaction request information.

According to the embodiment of the present invention, the remitter-side processing unit 110 provides the remittance account information and the transaction amount to the financial company server 180, and notifies the remittee server 180 of the remittee's electronic signature or the remitter's transaction A delay is set or a lock is set so that the transaction amount in the remitter account corresponding to the remitter account information is not withdrawn (for example, a withdrawal transaction by a remitter or an ATM cash withdrawal) or a transfer (for example, a transfer by a remitter).

The receipt information requesting unit 115 confirms the remittee wireless terminal information included in the borrowing transaction request information received from the remitter wireless terminal 160. Preferably, the recipient wireless terminal information may include a mobile phone number assigned to the recipient wireless terminal 170. [ Meanwhile, an app for receipt transaction is installed in the recipient wireless terminal 170, and app identification information (for example, an app ID) for uniquely identifying the mobile phone number of the recipient wireless terminal 170 and the app (or the wireless terminal 160, (E.g., a UUID, a token for pushing, etc.) is linked to the recipient information requesting unit 115, the recipient information requesting unit 115 can identify the recipient wireless terminal information including the application identification information associated with the mobile phone number of the recipient wireless terminal 170 have. On the other hand, if an app for the receiving transaction is installed in the recipient wireless terminal 170, the borrower transaction request information includes the payee identifier, and the app identification information of the application installed in the payee wireless terminal 170 is registered in association with the payee identifier The receiving information requesting unit 115 can confirm the receiver wireless terminal information including the app identification information associated with the payee identifier.

The receiving information requesting unit 115 requests the receiving wireless terminal 170 corresponding to the receiving wireless terminal information for the receiving information for the receiving transaction associated with the remitter side transaction. If the receiver's wireless terminal information includes the mobile phone number of the receiver's wireless terminal 170, the receiver information requesting unit 115 transmits the received information to the receiver's wireless terminal 170 according to a message exchange protocol using the mobile phone number (For example, a message including address information for registering receipt information and message content for requesting receipt information) may be sent out. If the designated application is installed in the recipient wireless terminal 170, the received information requesting unit 115 may send a message (for example, a push notification) for activating the app to the recipient wireless terminal 170 to register the received information, To be transmitted.

The recipient wireless terminal 170 that is requested to receive the receipt information may enter one or more pieces of information for the receiving transaction associated with the remitter transaction or may be registered in the designated storage area of the recipient wireless terminal 170, The receipt information checking unit 120 receives and transmits information for selecting financial information (for example, receipt account information may be included) registered in the receiver's terminal 100 (or the receiver's financial server 180) 170, and financial information corresponding to the information selected through the recipient wireless terminal 170. [0033] In addition,

According to the method of the present invention, the received information includes the receiving account information for receiving the transaction amount, and may further include information such as payee identification information that uniquely identifies the payee according to the method of operation.

According to the embodiment of the present invention, the received information confirmation unit 120 confirms the received account information inputted and received through the remittee wireless terminal 170, or from the designated storage area of the remittee wireless terminal 170 (Or the receiving financial institution server 180) on the basis of the identifier inputted through the receiver's wireless terminal 170, or the receiving account registered in the designated storage medium of the operating server 100 Information can be confirmed. Meanwhile, according to the embodiment, when the beneficiary account information is included in the borrowing transaction request information input through the remitter wireless terminal 160, the receipt information confirmation unit 120 can confirm the remittee account information with the received account information. Preferably, the receivable account information includes account information corresponding to a real account of a payee name, account information corresponding to a virtual account of a payee name, account information that is input through the remittee wireless terminal 170 to receive the transaction amount, And may include at least one.

According to the embodiment of the present invention, the reception information confirmation unit 120 confirms the receiver identification information inputted and received through the receiver wireless terminal 170, or from the designated storage area of the receiver wireless terminal 170 The recipient identification information extracted and received can be confirmed or the payee identification information registered in the designated storage medium of the operation server 100 can be confirmed based on the identifier inputted through the recipient wireless terminal 170. [ Meanwhile, if the beneficiary identifier is included in the borrowing transaction request information input through the remitter wireless terminal 160, the receipt information confirmation unit 120 can identify the payee identification information based on the payee identifier according to the embodiment. Preferably, the remittee identification information may include information necessary for actual clarification such as a payee name, date of birth and gender.

When the payee identification information for confirming the real name, such as the payee name, date of birth and gender, is confirmed through the payee information confirmation unit 120, the account state authentication unit 125 confirms the payee information through the payee information verification unit 120 It is possible to perform a real name verification procedure for authenticating whether or not the receiver identification information matching the received account information matches the account main registration information of the receipt account corresponding to the receipt account information confirmed by the receipt information verification unit 120. [ Preferably, the account state authenticating unit 125 may provide the remittee identification information and the account information to the remittee financial institution server 180 corresponding to the account information to request authentication, and the remittee financial institution server 180 ) Can confirm the account state registration information of the account corresponding to the received account information, compare and authenticate whether the payee identification information matches the account state registration information, and provide the authentication result to the operation server 100 , The account state authenticating unit 125 can receive the authentication result obtained by authenticating whether the payee identification information matches the account state registration information from the remittee financial server 180. [

According to an embodiment of the present invention, the account state authenticating unit 125 identifies the communication company server to which the receiver wireless terminal 170 subscribes using the receiver wireless terminal information, and transmits the received information identifying unit 120 Checks the account state registration information of the receipt account from the remittee financial server 180 through the receipt account information confirmed through the account server information providing server and provides the remittee wireless terminal information and the account state registration information to the communication company server, It is possible to request authentication that the registration information matches the subscriber information of the receiver wireless terminal 170 and to confirm whether the account main registration information of the receiving account matches the subscriber information of the receiver wireless terminal 170 from the communication company server .

On the other hand, the account state authenticating unit 125 identifies the communication company server to which the receiver wireless terminal 170 subscribes using the receiver wireless terminal information, and transmits the receiver wireless terminal information and the receipt information verifying unit 120, and may request the receiver to verify whether the receiver corresponding to the receiver identification information matches the subscriber information of the wireless terminal 160 or 170. In addition, And the subscriber information of the subscriber terminals 160 and 170, respectively.

According to the embodiment of the present invention, when the remittee corresponding to the remittee identification information confirmed by the receipt information confirmation unit 120 through the account state authenticating unit 125 is confirmed through the receipt information checking unit 120 The real name is confirmed as the account principal of the receipt account corresponding to the receipt account information, so that the mistransmission, the voice phishing, and the like can be blocked.

Referring to FIG. 1, the operation server 100 includes an electronic signature processing unit 135 for requesting a recipient's digital signature to a recipient wireless terminal 170 using a recipient's certificate, and a recipient electronic signature using the recipient's certificate And an electronic signature verifying unit 140 for verifying the signature. The electronic signature verifying unit 140 generates an electronic document for generating a chartered electronic document for borrowing the transaction amount by the recipient himself / herself, including transaction details corresponding to the borrowing transaction request information and the receipt information (130). Meanwhile, when the electronic signature processor 135 generates the electronic signature on the basis of the electronic document generator 130, the electronic signature processor 135 requests the recipient wireless terminal 170 to send the electronic signature to the recipient electronic document, The user can check the recipient's electronic signature using the electronic signature of the recipient or the electronic signature of the recipient with the recipient's electronic signature attached thereto.

After the receipt information including the receipt account information is confirmed through the receipt information confirmation unit 120, the electronic document generation unit 130 may include transaction details corresponding to the borrowing transaction request information and the receipt information, And creates an electronic document for chartering to borrow the transaction amount. Preferably, the electronic document generation unit 130 generates the electronic document based on the remittance account information, the remitter information (or the account state registration information of the remitter account), the transaction amount, the payment account information, the remittee identification information (or the account main registration information of the remittance account) A borrowing electronic document including one or more of the date and time when the remitter requested the transaction and the date of the receiving transaction.

According to the embodiment of the present invention, the electronic document generation unit 130 includes the transaction contents of the money transaction (or at least the recipient side payment transaction) between the remitter and the remittee, and also includes contents of the reminder contract entered by the remitter, The contents of the security transaction document corresponding to the selected security transaction document item, and the content of the security transaction document, which is at least one of the content of the security transaction document corresponding to the selected security-safe transaction document item and the content of the automatically set security document. Here, the contents of the above-mentioned relief transaction contract include items of various legal issues (for example, voice phishing, borrowing / lending, etc.) that may arise after a receiving transaction, The amount of the transaction is the amount of money borrowed from the recipient. The amount of the transaction indicates that the sender repays the principal of the borrowed money to the recipient. The transaction amount indicates that the sender is the interest of the money borrowed from the recipient. (For example, when a voice phish occurs, the amount of the transaction is refunded to the remitter's account, and the amount of the transaction is repaid if the money is the loan money). The right of the bond as a demand, and the basis of the disappearance or reduction of the bond if the transaction amount repay the borrowed money). Can. That is, according to the present invention, a recipient confirms an IOU document including a contents of a trusted transaction contract entered / selected or automatically set by a remitter, signatures of the electronic signature of the recipient himself, (Or, for example, the remitter can cancel the remitter's transaction or refund the transaction amount at any time before the receipt transaction is completed), and use the present invention The sender can safely send the transaction amount to the recipient.

According to the electronic document generation embodiment of the present invention, the electronic document generation unit 130 includes transaction contents of a money transaction (or at least a recipient-side payment transaction) between the remitter and the remittee, It is possible to generate an electronic bill of lading document that further includes the contents of a selected or automatically set security trading contract.

According to another electronic document generation embodiment of the present invention, when generating a document authentication block by block-encrypting the above-mentioned unauthorized electronic document, the electronic document generation unit 130 generates a normal unauthorized electronic document by a normal monetary transaction between the remitter and the remittee Or whether various kinds of normal electronic documents based on the normal money transaction between the sender and the recipient are generated. If the normal electronic document based on the normal money transaction is not generated for a predetermined period of time, the electronic document generating unit 130 generates the electronic document based on the normal banknote transaction by the following block cipher processing unit 145 (or the block cipher server 190) You can create any dummy electronic document needed to complete the tree. Here, the dummy electronic document is not a normal electronic document including transaction contents of an actual transaction, but is generated to leave a normal electronic document of an actual transaction as a document authentication block based record. In other words, there must exist a minor that generates a block constantly in order to leave past records as constant / non-modifiable unchanged records through block encryption. In a P2P (peer-to-peer) environment, a large number of peers are voluntarily participating in a minor, so that unless a hacker who wants to tamper or tamper with the past records occupies more than half of the resources used by the minors, The record of the universe remains unchanged. However, the borrower transaction system of the present invention is not a P2P environment, and it has a difficult problem to secure a voluntary minor. If the number of normal electronic documents less than the designated number is not generated within the specified unit time or the normal electronic document generated through the electronic document generation unit 130 is insufficient to complete the numbered hierarchical structure, The electronic document generation unit 130 flexibly adapts to generate a dummy electronic document and plays a minor role, so that the normal electronic document can be left as an unchanged record. According to another embodiment of the present invention, the dummy electronic document may be generated through the block cipher processing unit 145 or the block cipher server 190, and thus the present invention is not limited thereto. According to another embodiment of the present invention, the block cipher processing unit 145 or the block cipher server 190 generates a generated value corresponding to a hash value obtained by hashing a dummy electronic document without generating a dummy electronic document The hash value of the dummy electronic document can be used as the hash value, and thus the present invention is not limited thereto.

The electronic signature processing unit 135 performs a procedure for confirming the recipient digital signature using the recipient's certificate in cooperation with the recipient wireless terminal 170 at one time before, during, and after the electronic document is created. Preferably, the electronic signature processing unit 135 performs a procedure of attaching a recipient electronic signature to the electronic document during or after the electronic document is generated through the electronic document generation unit 130, The invention is not limited thereto.

According to the first digital signature embodiment of the present invention, the digital signature processing unit 135 uses the recipient's certificate as the recipient's wireless terminal 170 that inputs / selects the received information confirmed through the received information verification unit 120 After receiving the digital signature authentication request, the electronic signature based authentication information generated through the recipient's certificate (for example, a public certificate of the recipient's name or a separate certificate for signing the electronic document) is received from the recipient wireless terminal 170 . Meanwhile, the digital signature processing unit 135 may further perform the second or third digital signature embodiment described below with respect to the chartered electronic document generated through the electronic document generation unit 130 after processing the digital signature authentication, Or the electronic signature based authentication information generated for the electronic signature authentication may be attached to the electronic signature document created through the electronic document generation unit 130. [

According to the second digital signature embodiment of the present invention, when an electronic signature document including transaction details of a money transaction (or at least a receiving transaction) between a sender and a recipient is generated through the electronic document generation unit 130, The signature processing unit 135 transmits the electronic signature of the beneficiary including the contents of the transaction to the remittee wireless terminal 170 to request a payee's electronic signature using the payee's certificate and sends the payee's certificate from the payee's wireless terminal 170 Signed receipt electronic document containing the contents of the transaction.

According to the third digital signature embodiment of the present invention, the contents of the transaction of the money transaction (or at least the receiving transaction) between the remitter and the remittee by the electronic document generation unit 130 and the content of the reminder transaction contract The electronic signature processing unit 135 transmits the electronic signature to the recipient wireless terminal 170, including the contents of the transaction and the content of the security transaction agreement, and transmits the electronic signature to the recipient using the recipient's certificate After receiving the electronic signature, the recipient wireless terminal 170 can receive the recipient electronic signature obtained by electronically signing the electronic signature of the user including the contents of the transaction and the content of the security transaction through the recipient's certificate. The present invention is a transaction processing method for a recipient electronic document that includes a recipient electronic document including a content of the transaction and a content of a security transaction contract, Of the contract.

According to the fourth digital signature embodiment of the present invention, when an electronic signature document including transaction details of a money transaction (or at least a receiving transaction) between a sender and a recipient is generated through the electronic document generation unit 130, The signature processing unit 135 transmits the electronic signature of the beneficiary including the contents of the transaction to the remittee wireless terminal 170 to request a payee's electronic signature using the payee's certificate and sends the payee's certificate from the payee's wireless terminal 170 The receipt electronic document including the contents of the transaction and the receipt electronic signature attached with the electronic signature of the receipt electronic document may be received.

According to the fifth digital signature embodiment of the present invention, the transaction content of the money transaction (or at least the receiving transaction) between the remitter and the remittee by the electronic document generation unit 130 and the transaction content of the remittance transaction contract The electronic signature processing unit 135 transmits the electronic signature to the recipient wireless terminal 170, including the contents of the transaction and the content of the security transaction agreement, and transmits the electronic signature to the recipient using the recipient's certificate After requesting the electronic signature, the recipient electronic document with the recipient electronic signature, which has been electronically signed with the transaction contents and the content of the relief transaction, can be received from the recipient wireless terminal 170 via the recipient's certificate have. The present invention is a transaction processing method for a recipient electronic document that includes a recipient electronic document including a content of the transaction and a content of a security transaction contract, Of the contract.

If the recipient digital signature using the recipient's certificate is confirmed through at least one of the first to fifth digital signature embodiments, the digital signature verification unit 140 may use the public certificate of the recipient And performs a procedure of verifying the digital signature of the digitally signed recipient using the recipient's certificate.

Referring to FIG. 1, the operation server 100 includes a hash value generated by unidirectionally hashing a generated hash table electronic document with a specified hash algorithm, when a hash file is generated, as a leaf node A root hash of the Merkle Tree including i hash values of at least i (i? 1) IUE documents is generated, and the generated root hash and the job proof of the specified degree of difficulty (N > = 1) leaf block including a value Nounce is generated and an Nth document authentication block is attached to the generated Nth lip block and i < th > DB, and an electronic document storage unit 150 for storing the chartered electronic document attached with the verified user's digital signature in an authorized electronic document repository 195 , In connection with the remitter-side transaction And a receiving transaction processing unit 155 for performing a specified procedure for processing the received receiving transaction.

When a normal chartered electronic document of normal money transaction is generated through the electronic document generation unit 130 (or when a digital signature of a recipient is attached to the chartered electronic document via the electronic signature processing unit 135), the block encryption processing unit 145 performs a process of generating an N-th document authentication block based on the IUE document of the normal monetary transaction normally generated through the electronic document generation unit 130 and storing the generated N-th document authentication block in the designated block management DB. The process of generating the Nth document authentication block on the basis of the digital signature of the user is performed in the operation server 100 through the block cipher processing unit 145 or a separate block cipher associated with the block cipher processing unit 145 The present invention will be described with reference to an embodiment in which the Nth document authentication block can be processed through the server 190 and the Nth document authentication block is generated through a separate block cipher server 190 for the sake of convenience.

The block cipher processing unit 145 provides the block encryption server 190 with a normal credit transaction electronic document normally generated through the electronic document generation unit 130 and generates a dummy electronic document To the block cipher server (190).

According to an embodiment of the present invention, the block cipher server 190 receives the electronic signature from the operation server 100, and preferably decides the hierarchical structure (for example, (I > = 1) I ' s electronic documents until completing the Merkle Tree of the hierarchical structure. Preferably, the i " i " electronic document to be received to generate the N-th document authentication block is generated through the operation server 100 during the timeout in which the (N-1) , And may include (or even include) dynamically generated dummy electronic documents to complete the muckree of the specified hierarchy according to the method of operation. On the other hand, the dummy electronic document is used in the process of generating the document authentication block, but is not stored in the electronic document repository 195 which is electronically signed and certified.

According to an embodiment of the present invention, the block cipher server 190 generates a hash value by one-way hashing with the hash algorithm using a specified hash algorithm, and outputs the generated hash value as a leaf node generates a muffle tree including i hash values of i i-th electronic documents, and generates a root hash of the mu tree (RH). When the muth tree is generated, the block cipher server 190 generates a block decryption (or a first document authentication block) of a previous document authentication block (for example, an (N-1) (H0)) and the generated root hash, but does not include the job proof value. The lip block may further include various information including time stamps in addition to the previous document authentication block block hash, root hash and work proof value.

Meanwhile, the block cipher server 190 includes a plurality of user wireless terminals 160 and 170 interlocked with at least M (M > = 1) operation servers 100 associated with the Nth incomplete RB block, (E.g., the wireless terminal 160, the receiver wireless terminal 170, and the like), and determines a difficulty value capable of calculating the job certification value specified in the designated timeout based on the size of the calculated operation resource . Here, the work proof value is a value obtained by multiplying a hash value corresponding to a hash value obtained by hashing a lip block by a predetermined number (for example, an '8' bit value existing in the MSB (Most Significant Bit) region of a hash value) Includes a variable value included in the lip block to derive a hash value filled with a particular bit (e.g., bit '0', etc.). At this time, the scale of the computational resources required to find the solution varies depending on how many bits of an area are induced to fill with a specific bit. Whenever the number of bit values increases by one, the amount of computation required to find the solution increases by an exponent of 2. Therefore, in order to calculate the task proof value specified in the specified timeout by using the operable resource, the difficulty value that can calculate the specified task proof value within the specified timeout is used to determine how many bits of the task proof value are to be filled with a specific bit Quot ;, and " Preferably, the block cipher server 190 includes an operation resource (for example, at least M operation servers 100 and at least one operation server 100 that are associated with each other) to be operated on in order to find a job proof value at the time of generating the Nth unfinished lip block, (For example, a plurality of user wireless terminals 160 and 170 that can be interlocked with the mobile communication terminal 100), and when a certain ratio of the mobilizable operation resources (for example, 80% of the mobilizable operation resources) It is possible to determine a difficulty value for finding the task attestation value (= a value specifying a certain bit value of a certain region of the task attestation value to be filled with a specific bit).

According to the embodiment of the present invention, the block cipher server 190 sets the difficulty values of the Nth unfinished lip block and the designated proof of work (POW) to at least M operation servers 100 associated with the block cipher server 190 And requests a distributed operation of the task proof value of the specified degree of difficulty for the Nth unfinished lip block through the M operation servers 100. [ Preferably, the distributed computation of the work proof value may include an operation through M operation servers 100 and a distributed operation through a plurality of user wireless terminals 160 and 170 interlocked with the M operation servers 100 . According to the embodiment of the present invention, the block cipher server 190 may provide the N non-provisional lip blocks and the difficulty values to the M operational servers 100, and may specify and provide operation periods for the respective operational servers 100 In this case, each of the operation servers 100 can check the operation interval thereof and reassign the operation interval to each of the wireless terminals 160 and 170 connected to the operation server 100 itself, thereby performing the distributed operation processing of the job certification value of the designated degree of difficulty.

According to the embodiment of the present invention, the block cipher server 190 requests a distributed computation of the job proof value and then performs a distributed computation of the job proof value in an asynchronous manner in which it does not wait for a failure response excluding a valid job proof value . ≪ / RTI > That is, the block cipher server 190 requests the M operation servers 100 to perform the distributed operation of the task proof values, but does not receive the failure results individually, and each of the operation servers 100 also does not respond to the operation failure result You do not have to. Also, in the case where the M operation servers 100 request distributed operation computation of the work proof values to the user wireless terminals 160 and 170 interlocked with the M operation servers 100, each operation server 100 transmits the operation failure results from the user wireless terminals 160 and 170 It is not necessary to respond to the result of the elongation failure to each of the user wireless terminals 160 and 170. In other words, in the present invention, there may be a plurality of solutions of the work proof value of a specific degree of difficulty, and it is possible to select one of them and discard the remainder, so that it is not necessary to check whether the operation has failed or succeeded in the distributed operation section do. However, the occupation of the communication resources for distributing the work proof value by the asynchronous communication is drastically reduced, and even if the present invention is not the P2P environment, the work proof value can be distributed and processed more efficiently than the P2P environment.

According to the method of the present invention, the user wireless terminals 160 and 170 to the operation server 100 respond to a job authentication value that has been successfully operated when a job authentication value is successfully computed, and the block encryption server 190 An effective job proof value that is the first to be successfully processed from the m (1? M? M) operation server 100 of the M operation servers 100 and an Nth block hash corresponding to the valid job proof value are received do. Here, the N-th block decryption corresponding to the valid task certification value is a result obtained by hashing the N-th clip block including the task certification value, and the bit value of the specific region corresponding to the degree of difficulty designated by the task certification value is set to a specific bit And a hash value to be filled.

On the other hand, when a valid work proof value is received within a specified timeout, the block cipher server 190 requests the M operation servers 100 to terminate the operation of the job proof value for the Nth incomplete ROP, It is preferable that the operation termination request of the above-mentioned small proof value is also requested asynchronously. That is, the user wireless terminals 160 and 170 to the operation server 100 may terminate the computation of the proof value only in response to the computation termination request, and may not respond to the result, and may not even terminate the computation. However, the operation termination request is intended to prevent waste of available computational resources (or waste of battery resources of the user wireless terminals 160 and 170).

On the other hand, if a valid proof value is not received within the specified timeout, the block cipher server 190 regards the operation proof value as an operation failure, and the block cipher server 190, the M operation servers 100, The processing unit may concentrate operation resources of one or more servers among the designated operation servers and calculate a work proof value of the specified degree of difficulty for the Nth incomplete RIP block. Meanwhile, the block cipher server 190 adjusts the degree of difficulty with respect to the job certification value of the Nth incomplete RB block (for example, decreasing the number of bit values to be filled with a specific bit) , And then the operation strength of one or more of the M operation servers 100 and the designated operation server is concentrated on the block cipher server 190 to calculate the operation proof value of the specified degree of difficulty for the Nth incomplete Rip block The present invention is not limited thereto.

According to the method of the present invention, when a valid job certification value for the Nth unrecognized lip block is received within the designated timeout, the block cipher server 190 transmits the calculated job certification value An Nth document block, and an Nth document block, and the Nth document block is generated by adding i i-th document to the completed Nth N i -th block, Is stored in the designated block management DB and managed. Meanwhile, the block cipher server 190 may transmit the Nth document authentication block to each of the operation servers 100 and store and manage the same. At least part of the blocks may be transmitted to the user wireless terminals 160 and 170, Can be managed.

Meanwhile, when generating the Nth document authentication block in the operation server 100 according to another embodiment of the present invention, the block encryption processing unit 145 of the operation server 100 transmits the electronic document to the electronic document generation unit 130 A hash value is generated by one-way hashing with a specified hash algorithm, and a root hash value of a muckree tree with respect to i hash values of at least i i-th RO electronic documents including the generated hash value as a leaf node RH), and generates a Nth unbuffered lip block including the block hash of the previous document authentication block and the generated root hash but does not include the job proof value. The block cipher processing unit 145 provides the generated N-th non-provisional lip block and the difficulty value of the designated job proof to the plurality of user wireless terminals 160 and 170 interlocked with the operation server 100, Asynchronously requests a distributed operation of the work proof value of the designated degree of difficulty for the user wireless terminal 160 and 170 in the specified timeout, Time. If a valid job certification value is received within the designated timeout, the block encryption processing unit 145 completes the Nth LIP block by substituting the calculated job certification value and the Nth block acknowledgment into the Nth unfinished LIP block An i-th IUC is attached to the completed N-Lip block to generate an N-th document verifying block, and the generated N-th document verifying block is stored and managed in a designated block managing DB. Meanwhile, the block cipher processing unit 145 may store and manage the Nth document authentication block to at least one user wireless terminal 160 or 170 so that the present invention is not limited thereto.

Meanwhile, when a recipient electronic signature is attached to the electronic document to be borrowed generated through the electronic document generation unit 130, the electronic document storage unit 150 stores the borrowed electronic document with the blind person's electronic signature, And is stored in the document repository 195.

The electronic document storage unit 150 stores the electronic signature of the user in the electronic document storage unit 150 in the electronic document storage unit 130. The electronic document storage unit 150 stores the electronic signature in the electronic document storage unit 150, ) To confirm that the receiver's digital signature is attached. If it is confirmed that the valid digital signature of the recipient is attached to the electronic document of the above-mentioned, the electronic document storage unit 150 stores the digital signature of the recipient in the electronic document repository 195 can do.

According to the embodiment of the present invention, the electronic document storage unit 150 may use the unauthorized electronic document corresponding to the electronic signature-signed electronic document through the electronic signature processing unit 135 in cooperation with the block encryption processing unit 145 Thereby confirming that the Nth document authentication block is effectively generated. If the N-th document verification block is validated using the chartered electronic document corresponding to the electronically signed chartered electronic document, the electronic document storage unit 150 stores the chartered electronic document to which the payee's electronic signature is attached And stored in the electronic document repository 195. The electronic document repository 195 may receive the chartered electronic document with the recipient digital signature attached thereto from the operation server 100 and store the received chartered electronic document in the designated document storage DB.

According to the embodiment of the present invention, the block cipher processing unit 145 identifies i digitally signed chartered electronic documents stored in the electronic document repository 195 in cooperation with the electronic document storage unit 150, Generates meta information for linking i digital signature i < th > electronic documents stored in the document repository 195 with i " i " electronic documents included in the Nth document authentication block stored in the block management DB, Is stored in the block management DB storing the N-th document authentication block, or is stored in a separate management DB to manage the same, and thereby the i-th document authentication document stored in the electronic document repository 195 and the N-th document authentication It is possible to manage the electronic documents of the IOU included in the block.

When the recipient electronic signature is verified through the digital signature verification unit 140, the receipt transaction processing unit 155 determines whether the recipient's electronic signature has been verified Perform the procedure. For example, the receipt transaction processing unit 155 may verify the recipient's digital signature through the digital signature verification unit 140, and then, after the block encryption processing unit 145 receives the encrypted digital signature, The transfer-side transaction processed through the remitter-side processing unit 110 during or after being stored in the authorized electronic document repository 195 with the receipt electronic signature attached with the recipient's electronic signature via the electronic document storage unit 150 The designated procedure can be performed to process the linked receipt transaction.

According to the method of the present invention, when the recipient electronic signature using the recipient's certificate is verified through the electronic signature verification unit 140, the receipt transaction processing unit 155 transmits the transaction amount (For example, a withdrawal transaction by a remitter or an ATM cash withdrawal) or a transfer (for example, a transfer transaction by a remitter) is delayed or allowed to transfer the transaction amount to a remittance account that has been locked or settled It is possible to perform a process of transferring the transaction amount to the receiving account corresponding to the receiving account information of the received information. In one example, the receipt transaction processing unit 155 authenticates the account state of the receipt account as the recipient's identity through the account state authentication unit 125, and transmits the account state of the account to the recipient using the recipient's certificate via the digital signature verification unit 140 After the digital signature has been verified, the borrowed electronic document to which the recipient electronic signature is attached via the electronic document storage unit 150, either during or after the blockage encryption of the electronic document for the purpose of use by the block encryption processing unit 145, The transfer money amount is transferred to the remitter account from the remitter account by allowing transfer of the transaction amount to the remitter account in which the withdrawal / transfer of the transaction amount is delayed / locked through the remitter-side processing unit 110 during or after being stored in the document repository 195 It is possible to perform a process of transferring the transaction amount to the receiving account corresponding to the information receiving account information.

FIG. 2 is a diagram illustrating a borrower transaction request process and a remitter-side transaction process according to an embodiment of the present invention.

FIG. 2 shows in more detail one or more transaction information that includes / identifies the remitter account information, the transaction amount, and the remittee wireless terminal information necessary for the money transaction for remitting the money from the remitter's wireless terminal 160, It is possible to receive the borrowing transaction request information from the operation server 100 and to prevent withdrawal / transfer of the transaction amount from the remitter account corresponding to the remitter's account information without canceling the remitter's electronic signature or the remitter's transaction Delaying / lock-setting transactions, it is possible to refer to and / or modify the FIG. 2 if it is a person skilled in the art to which the present invention belongs, Various implementations of the process (e.g., some steps omitted or alternate procedures) Number would be, the invention is made, including any exemplary way in which the inference, to which the technical feature that is not limited to the exemplary method shown in the figure 2.

Referring to FIG. 2, the remitter's wireless terminal 160 initiates a money transaction (200) for remitting money, and transmits remittance account information (or identification information for identifying previously registered remitter account information) necessary for the money transaction, Transaction amount, recipient wireless terminal information (or identification information that identifies the previously registered recipient wireless terminal information) (205).

If at least one designated transaction information required for the money transaction is input, the remitter's wireless terminal 160 checks whether a borrower transaction according to the present invention is requested by the remitter (210).

If a remitter transaction according to the present invention is not requested by the remitter and a well-known remittance transaction is requested, the remitter's wireless terminal 160 configures the remittance transaction request information including the input transaction information and transmits it to the operation server 100 (215), and the operating server (100) receives the remittance transaction request information from the remitter's wireless terminal (220). The operation server 100 requests the specified financial company server 180 to perform remittance transaction processing using the remittance transaction request information 225 and the financial company server 180 transmits the remittance transaction processing procedure The operation server 100 receives the remittance transaction processing result and transmits the result of the remittance transaction processing to the remitter wireless terminal 160 in operation 230 (240), and the remitter's wireless terminal (160) receives the remittance transaction processing result and outputs it (245).

Meanwhile, when the borrower requests the borrower transaction according to the present invention, the remitter's wireless terminal 160 performs a procedure of inputting / selecting the contents of the re-enterable transaction contract to be included in the borrowed electronic document (250) If the document includes the contents of the above-mentioned relief transaction contract, a separate remitter input / selection process may be omitted.

The remitter's wireless terminal 160 constructs the borrowing transaction request information including the entered transaction information and further includes the inputted / selected safe transaction agreement contents according to the execution method, and transmits the borrowed transaction request information to the operation server 100 (255) , The operation server 100 receives the borrowing transaction request information from the remitter's wireless terminal 160 (260).

The operation server 100 confirms the remitter account information through the borrower transaction request information (for example, by confirming the remitter account information included in the borrower transaction request information or by using the identification information included in the borrower transaction request information After confirming the bank account server 180 corresponding to the remitter account information (265), the bank account server 180 confirms the remitter's electronic signature or the transaction deposited in the remitter account without canceling the remitter's transaction The bank server 180 requests the sender-side transaction requesting the delay / lock setting so that the money amount is not withdrawn / transferred, and the financial company server 180 requests the sender's electronic signature or the deposit (275) a delay / lock to prevent withdrawn / transferred transaction amounts. If the transaction amount deposited in the remitter account is delayed / locked so as not to be withdrawn / transferred, the financial company server 180 generates a delay / lock setting result of the deposited transaction amount in the remitter account, (280), the operation server (100) receives the delay / lock setting result of the transaction amount deposited in the remitter account from the financial company server (180).

FIG. 3 is a diagram illustrating a process of requesting receipt information or process of recipient digital signature according to an embodiment of the present invention.

In more detail, FIG. 3 shows an example of a request for receipt information for a receiving transaction from the operation server 100 to the receiver wireless terminal 170 and includes transaction details corresponding to the borrowing transaction request information and the receipt information after confirming the account share real name And the electronic signature of the recipient is borrowed by the recipient himself / herself, and the electronic signature of the recipient is processed using the recipient's certificate. As far as the person skilled in the art is concerned, , It is possible to refer to and / or modify the drawing 3 to various methods (for example, omitting some steps or changing the order) of the receiving information request to the remittee digital signature process, The present invention is not limited to the above-described embodiments, It does.

Referring to FIG. 3, the operation server 100 confirms the recipient wireless terminal information through the borrowing transaction request information confirmed through the process of FIG. 2 (for example, confirms the recipient wireless terminal information included in the borrowing transaction request information (300) using the identification information included in the borrowing transaction request information (300), and transmits the remitter-side transaction of FIG. 2 to the remittee wireless terminal (170) corresponding to the remittee wireless terminal information And requests receipt information for the associated receiving transaction (305).

The recipient wireless terminal 170 receives (310) a request for receipt information for the receiving transaction from the operating server 100, identifies the receiving account information for the receiving transaction, identifies the recipient Receiving information including one or more pieces of information for identifying / identifying information is input (315), and the inputted receiving information is transmitted to the operation server (320).

The operating server 100 receives (325) receipt information including one or more information that includes / identifies the payee identification information that uniquely identifies the payee and includes / identifies the payee account information from the payee wireless terminal 170, .

On the other hand, the operating server 100 receiving the receipt information confirms (330) the financial company server 180 corresponding to the received account information (330), receives the receipt account information (335) to confirm that the account name of the account holder is the remittee corresponding to the remittee identification information of the received information. The financial institution server 180 verifies whether the account state registration information of the account is matched with the remittee identification information and authenticates whether the account state of the account is the remittee's identity (340). After confirming whether the account state of the account is the remittee address And returns the result to the operation server 100 (345). The operation server 100 receives / confirms the result of the authentication that the account state of the receipt account is the recipient's identity (350)

The operation server 100 transmits a transaction (or a transaction) between the remitter and the recipient based on the borrower transaction request information received from the remitter's wireless terminal 160 and the received information received from the remittee's wireless terminal 170, (355), and transmits the electronic document to the recipient wireless terminal (170), thereby obtaining the certificate of the recipient (370). ≪ / RTI >

The recipient wireless terminal 170 receives and outputs the above-mentioned IUE document from the operation server 100 (step 375), and performs a procedure of processing the recipient electronic signature on the IUE document using the payee certificate (step 380) . The recipient wireless terminal 170 transmits the payee's digital signature using the payee's certificate to the operation server 100 (385) or transmits the payee's electronic document attached with the payee's digital signature to the operation server 100 (385 ), The operation server 100 receives the recipient digital signature (390) from the recipient wireless terminal (170), receives the receipt digital document attached with the recipient digital signature (390), and transmits the recipient digital signature A verification procedure is performed (395). If the recipient digital signature is verified, the operation server 100 stores the borrowed electronic document with the recipient digital signature in the electronic document repository 195 or processes the recipient's receipt transaction using the received information Can be performed.

FIG. 4 is a diagram illustrating a process of processing block encryption for an electronic document of anonymous char according to an embodiment of the present invention.

FIG. 4 is a diagram illustrating an example of a hash value of at least i borrowed electronic documents including a hash value generated by unidirectionally hashing an electronic document generated through the process of FIG. (N > = 1) lip block including the generated root hash and the work proof value of the specified degree of difficulty is generated and i borrowed electrons are added to the generated Nth lip block An Nth document authentication block to which a document is attached is generated and stored in a designated block management DB. It is understood that those skilled in the art can refer to FIG. 4 and / or FIG. (For example, some steps may be omitted or an order change may be performed) for the block encryption process of the above-mentioned digital signature. However, the present invention includes all of the above-described embodiments, and the technical features of the present invention are not limited only by the method shown in FIG.

Referring to FIG. 4, the operation server 100 requests (block 400) block encryption of an electronic document for inquiry generated through the process of FIG. 3 to the block cipher server 190, (404), and generates a hash value (408) by unidirectionally hashing the received electronic document with a designated hash algorithm.

Meanwhile, when a previous document authentication block is generated and stored in the block management DB, the block encryption server 190 includes the generated leaf node and hashes the accumulated i-th letter electronic document accumulated during the generation of the previous document authentication block (412) constructing a merge tree including i hash values to generate a root hash, generating a Nth unfinished lip including a block hash of the previous document authentication block and the generated root hash, A block is generated (416). Meanwhile, the block cipher server 190 determines the size of available operation resources (for example, from M operation servers 100 to each operation server 100) at the time when the Nth incomplete RB block is created (420), determines (424) a proof difficulty value that is small enough to compute a job proof value within a specified timeout by using the identified available operation resources, and determines M operation servers 100 (428) the Nth unfinished lip block, the difficulty value of the designated job proof, and the operation interval to be operated by each of the operation server 100, and calculate the job proof value.

Each operation server 100 receives Nth unfinished LEP blocks, a specified difficulty value, and an operation interval from the block cipher server 190 (432). The operation server 100 distributes the received operation interval to the operation server 100 and reassigns the operation interval to the plurality of user wireless terminals 160 and 170 interlocked with the operation server 100 or the operation server 100, Each of the wireless terminals 160 and 170 provides a Nth unfinished lip block, a specified difficulty value, and a computation period allocated to each of the wireless terminals 160 and 170 to request a computation of a job proof value (440) (448) the Nth unfinished lip block, the designated difficulty value and the operation interval from the operation server 100 (444), and calculates a valid task certification value of the specified degree of difficulty for the specified operation interval (448). If the effective task proof value of the determined difficulty is not successful even though all the operations have been performed for the operation period, the wireless terminal 160 and 170 terminate the operation of the task proof value. On the other hand, if the effective operation proof value of the designated degree of difficulty is successfully computed during the operation of the computation interval, the wireless terminal 160 or 170 transmits an Nth block answer corresponding to the valid operation proof value and the valid operation proof value, The operation server 100 responds to the operation server 100 in step 452. In step 460, the operation server 100 confirms the Nth block decryption corresponding to the computed successful proof value and the valid proof value.

Meanwhile, the operation server 100 performs a process of calculating a valid task certification value of the designated degree of difficulty for the reallocated operation section among the operation sections received from the block cipher server 190 (456). If the validity proof value of the definite degree of difficulty does not succeed even though all the operations are performed for the operation interval, the operation server 100 ends the operation of the proof value. On the other hand, if the effective operation proof value of the designated degree of difficulty is successfully computed during the operation of the operation period, the operation server 100 confirms the Nth block hash corresponding to the valid operation proof value and the valid operation proof value (460).

When the valid job verification value successful in operation through the operation server 100 or the wireless terminal 160 or 170 and the N block decryption corresponding to the effective job certification value are confirmed, The block cipher server 190 provides an effective job proof value of the degree of difficulty specified by the effective job authentication value 190 and an Nth block hash corresponding to the effective job proof value 464, Value and the Nth block hash are received (468).

The block cipher server 190 completes an effective Nth Nth Nth Lip block by substituting the received Nth unbuffered Lip block with the received Nth block validation value in step 472, (I) the N-th document authentication block is generated (step 476), and the generated N-th document authentication block is stored in the designated block management DB and managed (step 480).

The block cipher server 190 provides an Nth document authentication block (or a completed NLip block) stored in the block management DB (484), and the operation server 100 transmits the Nth document authentication block NLL block) may be received and stored in the designated block management DB of the operation server 100 (488). Alternatively, the operation server 100 may provide (488) the Nth document authentication block (or Nth Lip block) to one or more interworking wireless terminals 160 and 170, and the wireless terminal 160, The document authentication block (or NLip block) may be received and stored in a designated storage area and managed (492).

FIG. 5 is a diagram illustrating a process of storing an electronic document for an unauthorized person in an electronic document repository 195 according to an embodiment of the present invention.

FIG. 5 illustrates a process of storing an electronic document of a chartered document to which a recipient digital signature is attached in an authorized electronic document repository 195 through the process of FIG. 3. FIG. As a person skilled in the art, it is possible to refer to and / or modify this FIG. 5 to infer various implementations (for example, omissions of some steps or altered procedures) The present invention is not limited to the above-described embodiments, and the technical features of the present invention are not limited only by the method shown in FIG.

Referring to FIG. 5, the operation server 100 confirms (500) the IOU attached with the recipient digital signature through the process of FIG. 3, and transmits the IOU attached with the recipient digital signature to the electronic document repository 195 The electronic document is requested to be archived (505).

The electronic document repository 195 receives an IOU document with a recipient electronic signature attached thereto from the operation server 100, stores an IOU document attached with the recipient electronic signature in the document archiving DB 515, , The operation server 100 responds to the operation server 100 of the result of storing the electronic document in the document archive DB in the document archive DB and the operation server 100 stores the result of storing the electronic document in the electronic document repository 195 (525).

FIG. 6 is a diagram illustrating a process of processing an acceptance transaction based on a remittee certificate according to an embodiment of the present invention.

FIG. 6 illustrates a process of processing a recipient-side receiving transaction associated with a remitter-side transaction shown in FIG. 2 based on the recipient digital signature when the recipient digital signature is verified / verified through at least the process of FIG. Those skilled in the art will appreciate that reference to and / or modification of FIG. 6 may be applied to various implementations of the receiving transaction process (e.g., some steps may be omitted, However, the present invention includes all of the above-mentioned embodiments, and the technical features of the present invention are not limited by the method shown in FIG.

Referring to FIG. 6, after the recipient digital signature is verified / verified (or the recipient digital signature is verified / verified through the process of FIG. 3), the document verification block including the chartered electronic document through the process of FIG. Or after the process of the process of FIG. 5 is stored in the electronic document repository 195 with the recipient electronic signature attached thereto), the operation server 100 stores the recipient account information of the received information The corresponding financial company server 180 is confirmed (600), and a transaction for transferring the transaction amount from the remitter account to the receipt account via the financial company server 180 is requested (605).

The financial company server 180 releases the delay / lock setting for the withdrawal / transfer of the transaction amount deposited in the remitter account in accordance with the receipt transaction request (610), allows the transaction to be withdrawn from the remitter account, (615) to transfer money to the account corresponding to the account information. If the transaction amount is transferred to the receipt account in accordance with the receiving transaction procedure, the financial company server 180 generates a receipt transaction result by transferring the transaction amount to the receipt account, and returns it to the operation server 100 (620) , The operation server 100 receives the transaction result of transfer of the transaction amount from the financial company server 180 to the receipt account 625 and transfers the transaction amount to the receipt server 170 (630), and the recipient wireless terminal (170) receives and outputs the payment transaction result obtained by transferring the transaction amount to the payment account (635).

100: Operation server 105: Transaction request receiver
110: Remitter-side processing unit 115: Receiving information request unit
120: Receipt information confirmation unit 125: Account main authentication unit
130: electronic document generation unit 135: electronic signature processing unit
140: digital signature verification unit 145: block encryption processing unit
150: Electronic document storage unit 155: Receipt transaction processing unit
160: Transmitting wireless terminal 170: Recipient wireless terminal
180: financial company server 190: block password server
195: Electronic Document Archive

Claims (13)

A method executed via an operational server operating a money transaction between a remitter and a remitter,
A first step of receiving borrowing transaction request information including remitter account information, transaction amount, and remittee wireless terminal information from the remitter wireless terminal;
A second step of delaying / locking the recipient electronic signature on the basis of the borrowing transaction request information or setting the transaction amount to be withdrawn / transferred from the remitter account corresponding to the remitter's account information without canceling the remitter's transaction;
A third step of requesting the receiver wireless terminal to receive information including the received account information through the receiver wireless terminal information and receiving the received information;
A receipt electronic document for borrowing the transaction amount by the recipient himself / herself including the transaction information corresponding to the borrowing transaction request information and the receipt information, or requests the recipient electronic signature using the recipient's certificate in the borrowed electronic document to confirm Step 4;
A fifth step of verifying the recipient digital signature using the recipient's certificate; And
And a sixth step of transferring the transaction amount to the receiving account corresponding to the receiving account information of the receiving information by permitting the transfer of the transaction amount from the remitter account upon verification of the remittee digital signature, Borrowing transaction method.
The information processing apparatus according to claim 1,
Account information corresponding to the real account of the payee name,
Account information corresponding to the virtual account of the payee name,
And at least one of the account information input through the receiver's wireless terminal for receiving the transaction amount.
The method according to claim 1,
The receiving information further includes payee identification information that uniquely identifies the payee,
When receiving information is received from the receiver wireless terminal,
Further comprising the step of providing the account information and remittee identification information to a financial institution server corresponding to the account information to perform a procedure for authenticating the account holder of the account receivable to the remittee corresponding to the remittee identification information A mobile borrowing transaction method based on a payee identification.
The method according to claim 1,
The receiving information further includes payee identification information that uniquely identifies the payee,
When receiving information is received from the receiver wireless terminal,
Further comprising the step of performing a procedure for confirming the real name of the recipient by providing the remittee identification information and the remittee wireless terminal information to the communication company server corresponding to the remittee wireless terminal information, Borrowing transaction method.
The method according to claim 1,
When receiving information is received from the receiver wireless terminal,
Checking the account state registration information of the receipt account through the financial institution server corresponding to the receipt account information, providing the account state registration information and the remittee wireless terminal information to the communication company server corresponding to the remittee wireless terminal information, Further comprising the step of performing a procedure of authenticating whether the stock is a subscriber of the remittee wireless terminal.
The method as claimed in claim 1,
Requesting the recipient wireless terminal for digital signature authentication using the recipient's certificate; And
And receiving the digital signature-based authentication information from the remittee wireless terminal using the remittee's certificate.
The method according to claim 1,
The first step may further include receiving the content of the security transaction contract entered by the remitter,
When receiving information is received from the receiver wireless terminal,
Further comprising the step of generating an inquiry electronic document including the transaction content corresponding to the borrowing transaction request information and the receipt information and including the contents of the reassuring transaction agreement.
The method according to claim 1,
The first step may further include receiving a trusted transaction item selected by the remitter,
When receiving information is received from the receiver wireless terminal,
Further comprising the step of generating an inquiry electronic document including the content of the trust transaction corresponding to the trust transaction information including the transaction content corresponding to the borrowing transaction request information and the receipt information, Of mobile trading methods.
The method according to claim 1,
When receiving information is received from the receiver wireless terminal,
Further comprising the step of generating an inquiry electronic document including the content of the transaction corresponding to the borrowing transaction request information and the receipt information and including the content of the automatically settled security transaction.
10. The method according to any one of claims 1 to 9,
Requesting a digital signature using the recipient's certificate by providing the electronic signature of the user on the receiver's wireless terminal; And
And receiving a recipient digital signature from the recipient wireless terminal, the recipient digital signature being electronically signed with the recipient's electronic document via the recipient's certificate.
The method according to claim 1,
I) hash hash values of at least i (i > = 1) i < th > irregular electronic documents including a hash value generated by unidirectionally hashing the I- (N > = 1), which includes the generated root hash and the work proof value (Nounce) of the specified degree of difficulty, is generated for the root hash of the Merkle Tree Further comprising: a block encryption step of generating an N-th document authentication block in which a block (Leaf Block) is generated and i < th > A mobile borrowing transaction method based on a payee identification.
12. The method of claim 11,
And providing said IUE document to a designated block cipher server,
The block cipher server generates a hash value by hashing the one-way hash algorithm with the specified hash algorithm and extracts at least i (i > = 1) irregular electronic documents including the generated hash value as a leaf node (a) generating a root hash (RH) of a merge tree including i hash values;
B) generating a Nth unbuffered lip block including the block hash of the previous document authentication block and the generated root hash but not including the job proof value;
The block encryption server provides difficulty values of the Nth unfinished lip block and the designated proof of work (POW) to at least M (M? 1) operation servers associated with the block cipher server, C) requesting a distributed operation of the task proof value of the designated degree of difficulty for the Nth incomplete lip block;
Wherein the block cipher server obtains a valid work proof value which is the first operation succeeding from the m (1? M? M) operation server of any one of the M operation servers within the specified timeout and an Nth block error A step d) of receiving a poem; And
The block encryption server completes the Nth Lip block by substituting the calculated job proof value and the Nth block hash into the Nth unfinished Lip block and attaches i irregular electronic documents to the completed Nth Lip block And an e < th > step of generating an Nth document authentication block.
The method according to claim 1,
If the recipient electronic signature is attached to the electronic signature of the user through the certificate of the recipient,
And storing the borrowed electronic document with the recipient digital signature attached thereto in an authorized electronic document repository.

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