KR20180054979A - Method for Operating Lending and Borrowing based on Verification of the Remittee - Google Patents

Abstract

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a third step of setting delay or locking so that the transaction amount deposited in the receiving account may not be withdrawn or transferred without an electronic signature of the receiver; a fourth step of creating an electronic document of a promissory note proving that the receiver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

Description

[0001] The present invention relates to a borrowing transaction method based on payee identification,

The present invention provides a method for transferring a transaction amount from a remittance account to a receipt account when a money transaction for remittance of a predetermined transaction amount from a gold account to a receipt account is requested, The transaction amount is set to be delayed / locked so as not to be withdrawn / transferred, and at the time of withdrawal of the transaction amount deposited in the withdrawal account, at least the electronic signature of the recipient is used to certify the recipient, And then allows the withdrawal of the transaction amount deposited in the receipt account after the electronic signature is signed on the borrowed account.

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.

SUMMARY OF THE INVENTION An object of the present invention to solve the above problems is to provide a system and method for solving the above problems by receiving borrowing transaction request information including remittant account information, transaction amount, and account receipt information from a remitter terminal, Transferring the transaction amount from the remitter account corresponding to the receipt account information to the receipt account corresponding to the receipt account information, delay / lock the transaction amount so that the transaction amount deposited in the receipt account is not withdrawn / transferred without a recipient electronic signature, When the withdrawal request for the transaction amount deposited in the purchase transaction request information is received, the recipient electronic document for borrowing the transaction amount by the recipient including the transaction content corresponding to the borrowing transaction request information is generated or the recipient electronic document If the electronic signature is verified and verified, The recipient is a proven method of trading based on the borrower, which allows the withdrawal to provide.

A borrowing transaction method based on a recipient's proof according to the present invention is a method executed by an operation server that manages a money transaction between a remitter and a remittee, the method comprising: receiving, from a remitter terminal, a borrowing transaction including a remitter account information, a transaction amount, A second step of transferring the transaction amount from the remitter account corresponding to the remitter account information to the payment account corresponding to the payment account information on the basis of the borrowing transaction request information, The transaction amount corresponding to the borrowing transaction request information at the time of requesting the withdrawal of the transaction amount deposited in the receiving account is set to be delayed or locked so that the transaction amount deposited in the receiving account is not withdrawn / The receipt person's electronic document for borrowing the transaction amount, including the borrower's electronic money, A fourth step of requesting a recipient's digital signature using a recipient's certificate and confirming the document; and a fifth step of verifying the recipient's electronic signature using the recipient's certificate. And a sixth step of allowing the withdrawal of the transaction amount.

According to the present invention, the fourth step may include: requesting the digital signature-based authentication using the recipient's certificate to the recipient terminal used by the recipient who has requested the withdrawal of the transaction amount; The method comprising the steps of:

According to the present invention, the first step further includes receiving the content of the security transaction contract entered by the remitter, and the fourth step includes a transaction corresponding to the borrowing transaction request information, And a step of generating an electronic version of the electronic file including the contents.

According to the present invention, the first step further includes receiving a security transaction contract item selected by the remitter, wherein the fourth step includes a transaction corresponding to the borrowing transaction request information, The electronic document including the contents of the secure transaction agreement corresponding to the electronic signature.

According to an exemplary embodiment of the present invention, the fourth step may further include generating an electronic bill of lading containing the content of the transaction corresponding to the borrowing transaction request information and including the content of the automatically settled security trading contract.

According to the present invention, the fourth step may include: requesting a digital signature using the recipient's certificate by providing the electronic ID document to the recipient terminal used by the recipient who has requested the withdrawal of the transaction amount; receiving a certificate of the recipient from the recipient terminal And receiving the digital signature of the recipient electronic document by digitally signing the electronic document.

According to the present invention, the borrowing transaction method based on the remittee proof is a method for borrowing an electronic document including a transaction corresponding to the borrowing transaction request information, A Root Hash (RH) of a Merkle Tree including i hash values of at least i (i? 1) IO documents including a hash value as a leaf node is generated An Nth (N > = 1) leaf block including the generated root hash and a work proof value (Nounce) of the specified degree of difficulty is generated and i < th > And an Nth document authentication block is generated and stored in the designated block 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, the beneficiary-based borrowing transaction method comprises: a step of generating an inquiry electronic document including a transaction content corresponding to the borrowing transaction request information, attaching a payee electronic signature to the borrowing- The electronic signature of the recipient may be stored in an authorized electronic document repository.

According to the present invention, when the recipient electronic signature using the recipient's certificate is verified or verified in the borrowing transaction in which a predetermined transaction amount is transferred from the account of the remitter to the recipient's account, the transaction amount is deposited into the receipt account , There is an advantage to block financial accidents using mistakes, voice phishing, and cannon passbooks.

According to the present invention, the account name of the receipt account is verified as the recipient's name at the time of the borrowing transaction by transferring a predetermined transaction amount from the remitter's account to the receivable account at the remittee, and the recipient's electronic signature using the recipient's certificate is verified or verified It is advantageous to block financial accidents using mistake transfer, voice phishing and cannon passbooks by depositing the transaction amount to the receiving account.

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 borrower transaction system based on a receiver's certificate according to an embodiment of the present invention.
FIG. 2 is a flowchart illustrating a remittance process or a delay / lock setting process for a lending transaction according to an embodiment of the present invention.
FIG. 3 is a diagram illustrating a recipient digital signature process for borrowing transactions 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.
FIG. 6 is a diagram illustrating a process of receiving a transaction amount based on a remittee 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 showing a configuration of a borrower transaction system based on a remittee certificate according to an embodiment of the present invention.

More specifically, FIG. 1 shows a case in which a transaction transaction for transferring a predetermined transaction amount from a remitter account to a receipt account is requested from a remitter account to a receipt account upon receipt of a remittee transaction based on a remittee certificate at the time of a money transaction, And notifies the recipient of the withdrawal / transfer of the transaction amount deposited in the withdrawal account, based on at least the electronic signature using the recipient's certificate The system of the present invention permits the withdrawal / transfer of the transaction amount deposited in the receipt account after the recipient himself / herself electronically signs the charter that the transaction amount is borrowed. If so, refer to and / or modify this drawing 1 to obtain a variety It is to be understood that the invention may be practiced with other modes of practicing the invention (for example, omitting some of the components, or subdividing, or combining the practice) The technical characteristics thereof are not limited.

The money transaction between the remitter and the remitter according to the present invention is performed by transferring the transaction amount from the remitter's account to the remittance account but processing the transaction amount deposited in the remittance account (for example, delayed withdrawal and delayed transfer) So that the transaction amount is not withdrawn / transferred. Conventionally, in a money transaction between a remitter and a remitter, when a remitter requests remittance of a predetermined transaction amount from a remitter account to a remitter account, the transaction amount is immediately transferred from the remitter account to the remitter account irrespective of the remitter, It was provided in a form that can be withdrawn without restrictions or transferred to another account, which caused problems such as an error transfer or voice phishing. On the other hand, according to the present invention, the transaction amount is transferred from the remitter's account to the receipt account, and at least the recipient's identity is verified based on the electronic signature using the recipient's certificate, and the recipient himself / So that the recipient can receive the transaction amount only after the recipient has been verified and the recipient electronically signed the borrowing certificate.

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 can be applied to a case where the remitter includes the contents of the trust transaction entered / selected or automatically set by the remitter on the electronic document for borrowing, so that the liability of various legal problems (e.g., voice phishing, etc.) The amount of transaction refund to the account of the sender in case of the occurrence of voice phishing, etc.) and attaching the recipient's electronic signature to it, providing the basis for solving the problem based on the electronic document of the borrowing even if an unexpected problem occurs.

The borrower transaction system of the present invention performs a procedure of confirming and processing a money transaction request in connection with the remitter terminal 170 used by the remitter in the transaction, the remitter terminal 180 used by the remittee, and the remitter terminal 170 In conjunction with the remittee terminal 180, at least certifies the recipient based on the electronic signature using the recipient's certificate and electronically signs the charter that the recipient himself / herself borrows the transaction amount so that the recipient can receive the transaction amount And one or more financial company servers (185) provided in the financial institution in which the remitter account or the account is opened for processing an account-based financial transaction, and an account information server And an authorized electronic document repository 195 for storing the electronic document, A block encryption server 190 to process the expensive accomplished by further comprising.

The remitter terminal 170 is a general term of a terminal used by a remitter of a money transaction according to the present invention and preferably includes a wireless terminal such as a smart phone, a mobile phone, a tablet PC, and / or a computer used by a remitter, A notebook, or the like, and is not limited to a specific terminal. In other words, the present invention clearly defines all the terminals used by the remitter as the remitter terminal 170 category.

According to the embodiment of the present invention, the remitter terminal 170 can be installed with an app for a money transaction (or at least a remitter transaction) between the remitter and the remittee. On the other hand, when the remitter terminal 170 can request a money transaction (or a remitter-side transaction) with the remittee through the web, a separate app may not be installed and thus 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 application is installed in the remitter terminal 170 for convenience.

The recipient terminal 180 is a collective term for a terminal used by a recipient of a money transaction according to the present invention and preferably includes a wireless terminal such as a smart phone, a mobile phone, and a tablet PC used by a recipient and / A notebook, or the like, and is not limited to a specific terminal. In other words, the present invention clearly defines all the terminals used by the recipient as the recipient terminal 180 category.

According to the embodiment of the present invention, the recipient terminal 180 can install and execute a predetermined application. In particular, the recipient terminal 180 can perform a procedure such as a recipient electronic signature according to the present invention, Or digital signature storage), a predetermined app can be installed and executed. On the other hand, if the recipient electronic signature or the like or the account name real name confirmation (or the block encryption or the digital signature storage) can be processed through the web, a separate application may not be installed and 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 terminal 180 for convenience.

The financial company server 185 includes a remitter's financial server 185 that opens a remittance account and processes a transaction procedure related to the remitter's account, a remittee server 185 that opens a remittance account and processes a transaction procedure related to the remittance account, The remittee financial institution server 185 and the remittee financial institution server 185 may be servers provided in the same financial institution or servers provided in other financial institutions linked through the financial joint network, . Meanwhile, it is clear that the operation server 100 may be a server (or a financial company server 185) provided in a financial company 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 generic name of a server that processes block encryption for the chartered electronic document when a chartered electronic document for a money transaction between a sender and a payee (or a recipient to receive a transaction amount) is generated, May be implemented as a separate server linked with the operation 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 cipher server 190 and the electronic document repository 195 interwork with one or more financial company servers 185, preferably in cooperation with the remitter terminal 170 to the remittee terminal 180, ).

1, the operation server 100 includes a transaction request receiving unit 105 for receiving borrowing transaction request information including remittant account information, transaction amount, and account receipt information from the remitter terminal 170, A remittance processing unit 110 for transferring the transaction amount from the remitter account corresponding to the remitter account information to the remittance account corresponding to the remittance account information based on the request information of the remittance, A request acceptance unit 120 for accepting a withdrawal / transfer request for the transaction amount deposited in the withdrawal account and a receipt account management unit 115 for delay / lock setting the amount of money to be withdrawn / transferred, (125) for requesting the receipt account holder corresponding to the information to receive the transaction amount, and when the payee terminal (180) is confirmed, Received from chwiin terminal 180 provides the recipient identification information may further include a recipient person not authenticated account main authentication unit 130 corresponding to the account shares the recipient identification information of the receiving account corresponding to the received account information.

,

The remitter terminal 170 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 from the remitter account to the receipt account And inputs / selects one or more pieces of transaction information including information necessary for transferring the transaction amount.

According to an embodiment of the present invention, after one or more pieces of transaction information for transferring a transaction amount from a remitter account to a receipt account are input / selected through the remitter terminal 170, the remitter terminal 170 uses the transaction information In this case, the transaction request receiving unit 105 receives remittance transaction request information including the transaction information, and proceeds the remittance transaction according to a known remittance transaction procedure.

Meanwhile, after one or more pieces of transaction information for transferring the transaction amount from the remitter's account to the remittance account are input / selected through the remitter terminal 170, the remitter terminal 170 requests the lending transaction according to the present invention, When the terminal 170 automatically supports the borrowing transaction according to the present invention, the remitter terminal 170 transmits the borrowing transaction request information including the input / selected one or more pieces of transaction information. Preferably, the borrowing transaction request information includes remittance account information (or identification information for identifying previously registered remittant account information), transaction amount, receipt account information (or identification information for identifying the remittance account information of a previously registered remittee) And may further include transaction information such as at least one password for withdrawing a transaction amount from a remitter account, a security card random number, an OTP (One Time Password), and an electronic signature using a remitter's authorized certificate according to the method of operation . Meanwhile, the borrowing transaction request information may include payee information (e.g., payee name, sex, etc.) and payee identifier (e.g., payee ID, payee mail address, wire telephone number, etc. subscribed to the operation server 100) The present invention is not limited thereto.

Meanwhile, when the remitter includes the contents of the selected / selected trusted transaction in the electronic document created by the electronic document creation unit 135, the remitter terminal 170 receives the contents of the trusted transaction, And transmits the contents of the inputted / selected security transaction agreement or transmits the contents of the entered / selected security transaction agreement to the borrowing transaction request information. Meanwhile, when the contents of the trust transaction are automatically included in the trustee electronic document at the time of creation of the chartered electronic document through the electronic document generation unit 135, the remitter terminal 170 transmits a separate security transaction contract item, The present invention is not limited thereto.

The transaction request receiving unit 105 receives remittance account information (or identification information for identifying previously registered remittant account information) for the remitter-side transaction from the remitter terminal 170 and a transaction amount, and receives the transaction amount from the remittance account (Or identification information for identifying the receivable account information of the pre-registered recipient), and in accordance with the execution method, the borrower transaction request information .

When the borrowing transaction request information is received from the remitter terminal 170 through the transaction request receiving unit 105, the remittance processing unit 110 confirms (remotely) the remittant financial institution server 185 corresponding to the remitter account information (Not shown in the figure) to the financial institution server 185, and transmits the borrowing transaction request information to the financial institution server 185, To transfer the transaction amount.

According to the embodiment of the present invention, the remittance procedure processing unit 110 provides the remittance account information, the transaction amount, and the account receipt information to the financial company server 185, and transfers it to the financial company server 185, Withdraws the transaction amount from the account of the remitter corresponding to the remitter account information and requests to transfer the amount of the transaction to the remittance account in accordance with a procedure such as transfer.

The receipt account management unit 115 transfers the transaction amount to the receipt account through the remittance procedure processing unit 110 so that the transaction amount deposited in the receipt account without the recipient electronic signature of the transaction amount being deposited is withdrawn (for example, (E.g., transaction or ATM cash withdrawal, etc.) or transfer (e.g., transfer to another account by the recipient), and the delay setting or lock setting is maintained until the recipient digital signature is verified or verified Management.

According to the embodiment of the present invention, the receipt account management unit 115 confirms the recipient financial institution server 185 corresponding to the receipt account information (if the operation server 100 is a server operated by the recipient financial institution, The financial institution server 185 and the remittee's financial institution server 185 are the same server) and provides the received account information and the transaction amount to the financial company server 185, Request to delay or lock down the transaction amount so that the transaction amount is not withdrawn (for example, a withdrawal transaction by a recipient or an ATM cash withdrawal) or a transfer (for example, a transfer to another account by a recipient), and the recipient electronic signature is verified or verified The delay setting and the lock setting of the transaction amount with respect to the receivable account are maintained until the settlement is completed.

The request confirming unit 120 interlocks with the bank account server 185 in which the account receiving account is established, and determines whether the transaction amount deposited in the receipt account is requested to be withdrawn or transferred, through banking using the remittee terminal 180 Can be confirmed. Alternatively, the request confirmation unit 120 may be configured to cause the transaction amount deposited in the receivable account to be withdrawn from the account server 120 in response to various reasons such as a transaction using a financial automatic machine, a transaction using a counter, Whether it is requested or transferred.

When the withdrawal / transfer of the transaction amount deposited in the withdrawal account is requested through the request confirmation unit 120, the withdrawal account management unit 115 judges whether withdrawal / transfer of the transaction amount deposited in the withdrawal account is requested Verifying whether the remittee certificate including the remittee digital signature verification / verification for permitting the withdrawal / transfer of the transaction amount deposited in the receipt account is confirmed, and if the remittee certificate is not confirmed, It is preferable to manage the deposited transaction amount so as not to be withdrawn / transferred by the withdrawal / transfer request.

The receipt request unit 125 receives the wireless terminal information (for example, a mobile phone number assigned to the receiver wireless terminal) included in the account state registration information of the receipt account through the financial company server 185 corresponding to the receipt account information And may request the recipient wireless terminal corresponding to the confirmed wireless terminal information to request receipt of the transaction amount. For example, the receipt request unit 125 may process a message (e.g., SMS, MMS, etc.) requesting receipt of the transaction amount to the recipient wireless terminal according to a message exchange rule using the mobile phone number . In this case, a payee proof (e.g., a payee's electronic signature) for receiving the transaction amount can be processed through the payee wireless terminal.

On the other hand, the designated application is installed in the receiver's wireless terminal, and the application identification information (e.g., UUID, UUID, etc.) that uniquely identifies the wireless terminal information (e.g., mobile phone number) Push token, etc.) are registered in association with each other, the receipt request unit 125 uses the app identification information associated with the wireless terminal information of the receiver wireless terminal to receive the transaction amount with an app installed in the receiver wireless terminal (E. G., A push notification) to be sent. In this case, a payee proof (e.g., a payee's electronic signature) for receiving the transaction amount can be processed through the payee wireless terminal.

Meanwhile, the receipt request unit 125 confirms the receipt account state included in the account state registration information of the receipt account corresponding to the receipt account information through the financial company server 185 corresponding to the receipt account information, And confirms the banking request of the user corresponding to the state or the banking request using the receiving account. If the banking request of the user corresponding to the account receipt account or the banking request using the account receipt is confirmed, the receipt requesting unit 125 requests the terminal used by the banking user to request the receipt of the transaction amount . Preferably, the terminal used by the user includes a remittee terminal used for banking or a remittee terminal, or may include a financial automation device, a window terminal, or the like according to an implementation method. On the other hand, the payee identification (for example, a payee's electronic signature) for receiving the transaction amount corresponding to the payee request may be transmitted to the payee's wireless terminal used for the banking (or a payee's mobile terminal, The recipient wireless terminal corresponding to the information).

When the request confirmation unit 120 confirms the withdrawal / transfer request of the transaction amount deposited in the receipt account, the request confirmation unit 120 transfers the terminal requesting withdrawal / transfer of the transaction amount to the recipient terminal 180 And confirms the recipient terminal 180 in cooperation with the terminal requesting withdrawal / transfer of the amount of money, and requests recipient identification information from the recipient terminal 180 to receive the recipient identification information. Alternatively, when the receipt request unit 125 requests the recipient terminal 180 to receive the transaction amount, the receipt request unit 125 requests the payee identification information to the recipient terminal 180 to receive the recipient identification information have. 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 is confirmed, the account main authentication unit 130 confirms whether the confirmed payee identification information matches the account main registration information of the receiving account corresponding to the confirmed receiving account information Can be performed. Preferably, the account state authenticating unit 130 may request authentication by providing the remittee identification information and the account information to the remittee financial institution server 185 corresponding to the account information, and the remittee financial institution server 185 ) 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 130 may receive an authentication result from the remittee financial server 185 indicating whether the remittee identification information matches the account state registration information.

According to an embodiment of the present invention, when the remittee terminal 180 is a wireless terminal, the account state authenticating unit 130 identifies the communication company server to which the remittee wireless terminal is subscribed, And the account state registration information of the receipt account is provided to the communication company server to provide the mobile telephone number and the account state registration information of the receiver wireless terminal to the receiver wireless terminal And can receive an authentication result indicating that the account main registration information of the receiving account is matched with the subscriber information of the receiver wireless terminal from the communication company server.

Meanwhile, when the receiver terminal 180 is a wireless terminal, the account state authentication unit 130 identifies the communication company server to which the receiver wireless terminal is subscribed, and transmits the mobile phone number of the receiver wireless terminal, The receiver can provide the receiver identification information and request the real name verification that the receiver corresponding to the receiver identification information matches the subscriber information of the wireless terminal. Also, the authentication server authenticates whether the receiver matches the subscriber information of the wireless terminal The result can be received.

According to the embodiment of the present invention, because the remittee corresponding to the identified payee identification information is confirmed as the real account name of the account receiving account corresponding to the confirmed payee account information through the account state authentication unit 130, Incidental transfer or voice phishing may be blocked.

Referring to FIG. 1, the operation server 100 includes an electronic signature processing unit 140 for requesting a recipient's electronic signature using a recipient's certificate to the recipient terminal 180, and a recipient's electronic signature An electronic document generation unit 135 for generating an inquiry electronic document for borrowing the transaction amount by the recipient himself / herself including transaction contents corresponding to the borrowing transaction request information, Respectively. Meanwhile, when the electronic signature processor 140 generates an electronic document for an unauthorized person through the electronic document generator 135, the electronic signature processor 140 requests the remittee terminal 180 to send a digital signature of the recipient electronic document, It is possible to confirm the recipient electronic signature to be used or to confirm the electronic signature of the beneficiary with the recipient electronic signature attached thereto.

The electronic document generation unit 135 generates an electronic bill of lading for the borrower to borrow the transaction amount based on the transaction content corresponding to the borrowing transaction request information. Preferably, the electronic document generating unit 135 generates the electronic document based on the sender account information, the sender information (or the account state registration information of the remitter account), the transaction amount, the account information, the payee identification information Identification information, account state registration information of the receipt account, payee identification information confirmed in the process of confirming the real name through the account state authentication unit 130), and a date and time when the remitter requested the transaction .

According to the embodiment of the present invention, the electronic document generation unit 135 includes the transaction contents of the money transaction between the remitter and the remittee, and also includes the content of the remittance contract entered by the remitter, the remittance contract item selected by the remitter The contents of the safe trading contract, and the contents of the automatically set safe trading contract. Here, the contents of the above-mentioned relief transaction contract include items of various legal problems (for example, voice phishing, borrowing / lending, etc.) that may occur after the transaction and the items of liability (for example, in case of voice phishing, / Indicate the liability of the transaction. The transaction amount indicates that the sender is the money lent to the recipient. The transaction amount indicates that the sender repays the principal of the money borrowed by the recipient. The transaction amount indicates that the sender is interest on 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 to claim as a bond, and the basis for the extinguishment or reduction of a 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, The transaction is processed (or completed) after it is left as an unchanging double record including the signature keeping), so that the remitter using the present invention can remit the transaction amount to the receiver without worry.

According to the electronic document generation embodiment of the present invention, the electronic document generation unit 135 includes the transaction contents of the money transaction between the remitter and the remittee, and according to the implementation method, Quot ;, and " I "

According to another electronic document generation embodiment of the present invention, when generating a document authentication block by block-encrypting the above-mentioned electronic document to be used for anonymity, the electronic document generation unit 135 generates a normal electronic signature document by a normal monetary transaction between a sender and a recipient 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 135 generates the electronic document based on the normal banknote transaction by the following block encryption processing unit 150 (or the block encryption 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 for a specified unit time or if the normal electronic document generated through the electronic document generation unit 135 is insufficient to complete the numbered hierarchical structure, The electronic document generation unit 135 may flexibly adapt to generate a dummy electronic document and perform a minor role so that the normal electronic document may remain as an unchanged document. According to another embodiment of the present invention, the dummy electronic document may be generated through the block cipher processing unit 150 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 150 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 140 may receive the withdrawal / transfer request from the payee terminal 180 corresponding to the withdrawal / transfer request confirmed through the request confirmation unit 120 at a time before, during, The recipient terminal 180 that has approved the receipt of the transaction amount requested through the request unit 125 is confirmed (omitted if it is confirmed), and the receiver terminal 180, in cooperation with the confirmed recipient terminal 180, Perform the procedure to verify the signature. Preferably, the digital signature processing unit 140 performs a procedure of attaching a recipient digital signature to the electronic document during or after the electronic document is generated through the electronic document generation unit 135. However, The invention is not limited thereto.

According to the first digital signature embodiment of the present invention, the digital signature processing unit 140 requests digital signature verification using the recipient's certificate to the identified recipient terminal 180, Based authentication information generated through a certificate (e.g., an authorized certificate of the recipient's name, or a separate certificate for signing the electronic document, etc.). Meanwhile, the digital signature processing unit 140 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 135 after processing the digital signature authentication, Or the electronic signature based authentication information generated for the digital signature authentication may be attached to the chartered electronic document generated through the electronic document generation unit 135. [

According to the second digital signature embodiment of the present invention, when the electronic signature process unit 140 generates an electronic signature document including transaction details of the money transaction between the remitter and the recipient through the electronic document generation unit 135, The electronic signature of the recipient using the recipient's certificate is transmitted to the recipient terminal 180 and the electronic signature of the recipient is transmitted from the recipient terminal 180 via the certificate of the recipient, It is possible to receive a recipient digital signature in which an electronic document is digitally signed.

According to the third digital signature embodiment of the present invention, the transaction contents of the money transaction between the remitter and the remittee by the electronic document creation unit 135 and the irregular electronic document including the details of the trust transaction entered / The electronic signature processing unit 140 sends an electronic signature for the beneficiary certificate including the content of the transaction and the content of the security transaction to the remittee terminal 180 to request a payee's electronic signature using the payee's certificate, The recipient terminal 180 can receive the recipient digital signature obtained by digitally signing the electronic document for the inquiry including the content of the transaction and the content of the security transaction through the recipient's certificate. According to the present invention, the recipient himself / herself performs the transaction corresponding to the transaction content based on the recipient electronic signature for the electronic document for inquiry including the contents of the transaction and the contents of the security transaction contract, I can admit that I contracted to obey.

According to the fourth digital signature embodiment of the present invention, when the electronic signature process unit 140 generates an electronic signature document including transaction details of the money transaction between the remitter and the recipient through the electronic document generation unit 135, The electronic signature of the recipient using the recipient's certificate is transmitted to the recipient terminal 180 and the electronic signature of the recipient is transmitted from the recipient terminal 180 via the certificate of the recipient, And can receive the chartered electronic document attached with the recipient electronic signature obtained by digitally signing the electronic document.

According to the fifth digital signature embodiment of the present invention, the transaction contents of the money transaction between the remitter and the remittee by the electronic document generation unit 135 and the irregular electronic document including the details of the trust transaction entered / The electronic signature processing unit 140 sends an electronic signature for the beneficiary certificate including the content of the transaction and the content of the security transaction to the remittee terminal 180 to request a payee's electronic signature using the payee's certificate, It is possible to receive, from the remittee terminal 180 through the recipient's certificate, the chartered electronic document attached with the recipient electronic signature obtained by digitally signing the chartered electronic document including the contents of the transaction and the content of the security transaction. According to the present invention, the recipient himself / herself performs the transaction corresponding to the transaction content based on the recipient electronic signature for the electronic document for inquiry including the contents of the transaction and the contents of the security transaction contract, I can admit that I contracted to obey.

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 145 uses the copy of 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 155 for storing the chartered electronic document attached with the verified name-recognized recipient electronic signature in the authorized electronic document repository 195 Quot ;, < RTI ID = 0.0 > And a receive processor 160 that performs a specified process to allow the withdrawal / transfer of the transaction group.

When a normal chartered electronic document of normal money transaction is generated through the electronic document generation unit 135 (or when a recipient electronic signature is attached to the chartered electronic document via the electronic signature processing unit 140), the block encryption processing unit 150 performs a process of generating an N-th document authentication block based on the IUE document of the normal money transaction normally generated through the electronic document generation unit 135 and storing the N-th document authentication block in the designated block management DB. The process of generating the Nth document authentication block based on the digital signature of the user can be performed in the operation server 100 through the block cipher processing unit 150 or in a separate block cipher associated with the block cipher processing unit 150 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 150 provides the block encryption server 190 with an i-th document of a normal monetary transaction normally generated through the electronic document generation unit 135, 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 terminals 170 and 180 interlocked with at least M (M > = 1) operation servers 100 associated with the Nth incomplete RB block, (E.g., the client terminal 170, the recipient terminal 180, etc.), and determine a difficulty value capable of calculating the job certification value specified in the specified 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 terminals 170 and 180 that can be interlocked with the mobile terminal 100), and when a certain ratio of the mobilizable operation resources (for example, 80% of the mobilizable operation resources) And a difficulty value for finding the proof value (= a value specifying which bits of a certain area of the task proof value are 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 terminals 170 and 180 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 it to each of the user terminals 170 and 180 connected to the operation terminal 100 itself, thereby performing a distributed operation process on the operation 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, when the M operating servers 100 request the distributed computing of the work proof values to the user terminals 170 and 180 capable of interworking with the M operating servers 100, each of the operating servers 100 individually receives the operation failure results from the user terminals 170 and 180 And it is not necessary to respond to the result of the elongation failure to each of the user terminals 170 and 180. 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 terminal (170, 180) to the operation server (100) responds to a job certification value that has been successfully computed in the case of successful operation of the job certification value, A valid work proof value that is the first to be successfully operated from the m (1? M? M) operation server 100 of the M operation servers 100 and an Nth block hash corresponding to the valid work proof value are received . 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 terminal 170 or 180 or the operation server 100 may terminate the computation of the proof value in response to the computation termination request, and may not respond to the result and may not terminate the computation. However, the operation termination request is intended to prevent wasting of available computational resources (or waste of battery resources of the user terminals 170 and 180).

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 a part of the blocks may be transmitted to the user terminals 170 and 180, .

Meanwhile, when generating the Nth document authentication block in the operation server 100 according to another embodiment of the present invention, the block cipher processing unit 150 of the operation server 100 transmits the electronic document to the electronic document generation unit 135 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 150 provides the generated N-th non-provisional lip block and the designated work proof value to the plurality of user terminals 170 and 180 interlocked with the operation server 100, Asynchronously requesting the distributed operation of the work proof value of the specified degree of difficulty for the user terminal (170,180) within the specified timeout, and a Nth block hash corresponding to the valid work proof value . If a valid work certification value is received within the designated timeout, the block cipher processing unit 150 completes the N-th LIP block by substituting the calculated job certification value and the N-th block acknowledgment into the N-th 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 150 may store and manage the Nth document authentication block to the at least one user terminal 170 and 180 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 by the electronic document generation unit 135, the electronic document storage unit 155 stores the borrowed electronic document attached with the blind signature verified recipient electronic signature as an authorized electronic And is stored in the document repository 195.

According to the embodiment of the present invention, the electronic document storage unit 155 interlocks with the electronic signature processing unit 140 to check whether a recipient electronic signature is attached to the electronic signature document created through the electronic document generation unit 135 do. If it is confirmed that a valid electronic signature of the recipient is attached to the electronic document of the above-mentioned, the electronic document storage unit 155 stores the electronic signature of the user in the electronic document repository 195 attached with the recipient's electronic signature can do.

According to the embodiment of the present invention, the electronic document storage unit 155 may use the unauthorized electronic document corresponding to the electronic signature-signed electronic document through the electronic signature processing unit 140 in cooperation with the block encryption processing unit 150 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 digitally signed chartered electronic document, the electronic document storage unit 155 stores the chartered electronic document to which the payee's electronic signature is attached in the registered 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 150 identifies i digitally signed chartered electronic documents stored in the electronic document repository 195 in cooperation with the electronic document storage unit 155, 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 digital signature is verified through the digital signature verification unit 145, the reception processing unit 160 performs a procedure designated to allow withdrawal / transfer of the transaction amount deposited in the receipt account. In one example, the receiving processing unit 160 may verify whether the recipient electronic document is block encrypted through the block encryption processing unit 150 after the recipient digital signature is verified through the digital signature verification unit 145, Allowing the withdrawal / transfer of the transaction amount deposited in the receipt account during or after being stored in the authorized electronic document repository 195 with the receipt electronic signature attached with the recipient electronic signature via the electronic document storage unit 155 Can be performed.

According to the embodiment of the present invention, when the recipient electronic signature using the recipient's certificate is verified through the electronic signature verification unit 145, the reception processing unit 160 interlocks with the financial server server 185 that has opened the receipt account A request for canceling the delay setting or lock setting of the transaction amount deposited in the receiving account, and processing to process the transaction amount so that the transaction amount can be withdrawn / transferred from the receiving account. The receiving processing unit 160 authenticates the account note of the account received by the account principal authentication unit 130 as the principal of the recipient and transmits the account note of the account to the recipient electronic institution using the recipient's certificate via the electronic signature verification unit 145 After the signature has been verified, the borrowing electronic document to which the recipient electronic signature is attached via the electronic document storage unit 155, either during or after the blockage encryption of the electronic document for the purpose of use by the block cipher processing unit 150, In or out of the depository 195, it is requested to cancel the delay setting or lock setting of the transaction amount deposited in the receipt account in cooperation with the financial company server 185 that has opened the deposit receipt account, It is possible to perform a process of processing the transaction amount so that it can be withdrawn / transferred.

FIG. 2 is a flowchart illustrating a remittance process or a delay / lock setting process for a lending transaction according to an embodiment of the present invention.

2 shows one or more transaction information including the account information, the transaction amount, and the account receipt information necessary for the money transaction for transferring the money in the remitter terminal 170, The borrowing transaction request information is received from the operation server 100 and the transaction amount is transferred from the remittant account to the receipt account. If the transaction amount deposited in the receipt account is an electronic signature of the recipient (that is, Proofing so as not to be withdrawn / transferred without proof (proof), it will be understood by those skilled in the art that referring to and / / Be able to infer various implementations of the lock establishment process (e.g., omitting some of the steps or changing the order) Yet, the present invention is composed, 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 terminal 170 starts a money transaction for transferring money (200), and transmits remittance account information (or identification information for identifying previously registered remitter account information) necessary for the money transaction, (205) that includes the amount of money, the account information (or the identification information that identifies the account information of the already registered recipient).

If one or more specified transaction information required for the money transaction is inputted, the remitter terminal 170 checks whether the borrower has requested the borrowing transaction according to the present invention (210).

If a remittance transaction according to the present invention is not requested by the remitter and a known remittance transaction is requested, the remitter terminal 170 constitutes well-known remittance transaction request information including the input transaction information, The operating server 100 may request the remittance transaction procedure 220 through the financial company server 185 based on the remittance transaction request information 220 and the financial company server 185 may transmit the remittance transaction request (225) based on the request information.

Meanwhile, when the borrower terminal 170 requests the borrower transaction according to the present invention by the remitter, the remitter terminal 170 performs a procedure for inputting / selecting 230 the contents of the reimbursement transaction contract to be included in the forgery electronic document (230) A separate remitter input / selection process may be omitted if the contents of the above-mentioned relief transaction are automatically included.

The remitter terminal 170 includes the entered transaction information and configures the borrowing transaction request information that further includes the input / selected security transaction contents according to the method of operation, and transmits the borrowing transaction request information to the operation server 100 (235) The operation server 100 receives the borrowing transaction request information from the remitter terminal 170 (240).

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 (245) confirming the financial company server 185 corresponding to the remitter's account information (245), and transfers the transaction amount from the remitter account to the remittance account to the confirmed financial company server (185) (250). The financial company server 185 transfers the transaction amount from the remitter account to the receipt account according to the remitter-side transaction request (255). If the transaction amount is transferred from the remitter account to the receipt account, the financial company server 185 generates a result of the remitter-side transaction by transferring the transaction amount to the receipt account, and responds to the operation server 100 (260 ), The operation server 100 receives the result of the remitter-side transaction of transferring the transaction amount from the financial company server 185 to the receipt account (265).

The operation server 100 does not withdraw / transfer the transaction amount deposited in the receipt account without the recipient electronic signature (that is, without proof of the recipient's identity) to the financial institution server 185 corresponding to the receipt account in which the transaction amount is deposited Requesting to set a delay / lock (in the case where it is configured to set a delay / lock at the same time as depositing a transaction amount in a receipt account in the financial company server 185), a separate request process may be omitted (270) (275) sets the delay amount / lock (275) so that the transaction amount deposited in the receipt account is not withdrawn / transferred without a recipient electronic signature (275), and then the transaction amount of the withdrawing account is delayed / Lock setting result and responds to the operation server 100 (280). The operation server 100 determines whether the transaction amount of the account receivable is delayed / locked from the financial company server 185 It receives (285).

FIG. 3 is a diagram illustrating a recipient digital signature processing process for a borrowing transaction according to an embodiment of the present invention.

In more detail, FIG. 3 shows an example of a receipt electronic document for borrowing the transaction amount when the withdrawal / transfer of the transaction amount deposited in the receipt account is requested or when the receipt account state is requested to receive the transaction amount and approved. And processes the recipient's digital signature using the recipient's certificate. As a person skilled in the art, referring to and / or modifying FIG. 3, the recipient's digital signature It will be appreciated that various implementations of the process may be inferred (e.g., some steps omitted or alternate implementations), but the present invention encompasses all such contemplated implementations, The technical features thereof are not limited by the implementation method alone.

Referring to FIG. 3, after the transaction amount deposited in the receipt account through the process of FIG. 2 is delayed / locked so as not to be withdrawn / transferred without a recipient digital signature (that is, without proof of the recipient's identity), the operation server 100 (For example, a withdrawal transaction by a receiver, an ATM cash withdrawal, or the like) or a transfer (for example, a transfer transaction by a recipient) in cooperation with a financial company server 185 in which a receipt account is established (300), the financial company server (185) confirms the information related to the withdrawal / transfer request of the transaction amount deposited in the withdrawal account (for example, Withdrawal / transfer request information) and provides it to the operation server 100 (305). If the withdrawal / transfer request of the transaction amount deposited in the withdrawal account is confirmed, the operation server 100 checks (310) the remittee terminal 180 related to the withdrawal / transfer request of the transaction amount (310) The recipient terminal 180 can perform a process of processing the recipient's digital signature using the recipient's certificate in cooperation with the recipient terminal 180.

Meanwhile, after the transaction amount deposited in the receipt account is set to be delayed / locked so that the transaction amount deposited in the receipt account is not withdrawn / transferred without the recipient electronic signature (that is, without proof of the recipient's identity), the operation server 100 (For example, receiver's wireless terminal information, etc.) of the remittee terminal 180 included in the account state registration information of the receipt account in association with the financial company server 185 connected to the financial institution server 185, In response to a request from the operation server 100, checks the terminal information of the remittee terminal 180 included in the account main registration information of the receipt account and provides the information to the operation server 100 (320). Meanwhile, according to another embodiment of the present invention, the operation server 100 checks the payee terminal 180 used by the payee who has requested banking to the payee account in cooperation with the financial company server 185 in which the payee account is opened (315 The financial company server 185 real-time identifies the terminal information that uniquely identifies the payee terminal 180 used by the payee who has requested banking to the payee account, and provides the terminal information to the operating server 100 in operation 320. If it is confirmed through the above process that the payee terminal 180 registered in the payee account account state or the payee terminal 180 used by the payee who has requested the banking in the payee account is confirmed, the operation server 100 transmits, to the payee terminal 180, In operation 325, the recipient terminal 180 receives the transaction amount receipt request from the operation server 100 and outputs the received transaction amount in operation 330. If the recipient approves the receipt of the transaction amount, the recipient terminal 180 transmits the transaction acceptance information of the transaction amount to the operation server 100 (335), and the operation server 100 sends the transaction amount acceptance information to the recipient (340). ≪ / RTI > Meanwhile, the operation server 100 requests and receives payee identification information that uniquely identifies the payee from the payee terminal 180, provides the payee identification information to the financial company server 185, The server 185 can perform an account name real name verification procedure for authenticating whether the account receipt account number is the remittee corresponding to the remittee identification information.

If the withdrawal / transfer of the transaction amount deposited in the withdrawal account is requested or the withdrawal approval is requested to the account holder of the withdrawing account, the operation server 100 proceeds to the process of FIG. 2 (345), including transaction details of the money transaction between the remitter and the remittee, based on the borrower transaction request information received from the remitter terminal (170) The terminal 180 provides the above-mentioned electronic signature to request a recipient's digital signature using the recipient's certificate (350).

The recipient terminal 180 receives the digital signature of the document from the operation server 100 and outputs the digital signature to the operation server 100. In operation 360, . The recipient terminal 180 transmits the recipient electronic signature using the recipient's certificate to the operation server 100 in operation 365 or transmits the receipt electronic document attached with the recipient's electronic signature to the operation server 100 in operation 365, , The operation server 100 receives the recipient digital signature (370) from the recipient terminal (180), receives an IOU document attached with the recipient digital signature (370), and verifies the recipient digital signature The procedure is performed (375). If the recipient electronic signature is verified, the operation server 100 stores the borrowed electronic document with the recipient digital signature attached thereto in the electronic document repository 195 or withdraws / transfers the transaction amount deposited in the receipt account You can perform the granting process. If the recipient digital signature is not verified, the operation server 100 provides the authentication error of the recipient's identity to the recipient terminal 180 (380), and the recipient terminal 180 transmits the authentication error And outputs it (step 385).

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 of the operation servers 100, 170, 180 (420), determines (424) a proof difficulty value that is small enough to calculate the job proof value within a specified timeout by using the identified available operation resources, The Nth unfinished lip block, the difficulty value of the designated job proof, and the operation interval to be operated by each operation server 100, and requests the operation proof value to be calculated (428).

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 terminals 170 and 180 interlocked with the operation server 100 or the operation server 100 The user terminals 170 and 180 provide the Nth unfinished lip block and the designated difficulty value and the operation intervals allocated to the user terminals 170 and 180 to request the calculation of the job proof value 440, The Nth unfinished LEP block, the designated difficulty value and the operation interval are received (444) from the operation server (100), and the valid operation value of the designated difficulty is calculated 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 user terminal 170 and 180 ends the operation of the task proof value. On the other hand, if an effective operation proof value of the designated degree of difficulty is successfully computed during the operation of the computation interval, the user terminal 170,180 sets 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).

If the valid job verification value successful in operation through the operation server 100 or the user terminal 170 or 180 and the N block decryption corresponding to the valid 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 the Nth Lip block) to one or more interlocking user terminals 170 and 180, and the user terminal 170, 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 receiving a transaction amount based on a remittee certificate according to an embodiment of the present invention.

In more detail, FIG. 6 illustrates delay / lock setting of the transaction amount deposited in the receiving account through the process of FIG. 2 based on the recipient digital signature when the recipient digital signature is verified / verified through at least the process of FIG. FIG. 6 is a flow chart illustrating a process of withdrawing / transferring the transaction amount to a remittee and receiving the transaction amount from the remittee. It is to be understood that the present invention may be embodied in various ways of practicing the transaction amount receiving process (for example, omitting some steps or changing the order), but the present invention includes all of the above- The technical characteristics are not limited only 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 borrowing electronic document with the recipient electronic signature attached thereto is stored in the electronic document repository 195 in the process of FIG. 5), the operation server 100 transmits the transaction amount to the deposited account Confirms (600) the corresponding financial company server (185), and requests (605) to delay / unlock the withdrawal / transfer of the transaction amount deposited in the receivable account via the financial company server (185).

The financial company server 185 releases the delay / lock setting for the receiving account (or for the transaction amount deposited in the receiving account) so that the transaction amount deposited in the receiving account can be withdrawn / transferred in accordance with the request 610). If the delay / lock setting of the receivable account is canceled, the financial company server 185 generates a result of releasing the delay / lock setting so that the transaction amount deposited in the receivable account can be withdrawn / transferred, 100 in step 615 and the operation server 100 receives a result of releasing the delay / lock setting for the transaction amount deposited in the receipt account from the financial server 185 in operation 620. The operation server 100 provides a result of canceling the delay / lock setting for the transaction amount deposited in the receipt account to the remittee terminal 180 (625), and the remittee terminal 180 transmits a deposit / And outputs the result of releasing the delay / lock setting for the transaction amount (630). The recipient can then withdraw the transaction amount deposited in the receipt account or transfer it to another account.

100: Operation server 105: Transaction request receiver
110: Remittance procedure processing unit 115:
120: request confirmation unit 125:
130: account state authenticating unit 135: electronic document generating unit
140: digital signature processing unit 145: digital signature verification unit
150: Block encryption processing unit 155: Electronic document storage unit
160: Receiving processor 170:
180: Recipient terminal 185: Financial company server
190: Block cipher server 195: Electronic document repository

Claims (9)

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 receipt account information from a remitter terminal;
A second step of transferring a transaction amount from a remitter account corresponding to the remitter account information to a receipt account corresponding to the receipt account information based on the borrowing transaction request information;
A third step of delaying / locking setting the transaction amount deposited in the receipt account to be withdrawn / transferred without a recipient electronic signature;
When the withdrawal request for withdrawing the transaction amount deposited in the withdrawal account is made, a receipt electronic document for borrowing the transaction amount by the recipient himself including the transaction content corresponding to the borrowing transaction request information is generated, or the certificate of the recipient A fourth step of confirming and confirming the recipient digital signature using the digital signature;
A fifth step of verifying the recipient digital signature using the recipient's certificate; And
And a sixth step of allowing the withdrawal of the transaction amount deposited in the receipt account upon verification of the remittee digital signature.
The method as claimed in claim 1,
Requesting an electronic signature authentication using the recipient's certificate to the remittee terminal used by the remittee requesting the withdrawal; And
And receiving digital signature-based authentication information using the recipient's certificate from the remittee terminal.
The method according to claim 1,
The first step may further include receiving the content of the security transaction contract entered by the remitter,
The method according to claim 1, further comprising the step of generating an electronic signature document including a transaction content corresponding to the borrowing transaction request information and including the contents of the secure transaction agreement .
The method according to claim 1,
The first step may further include receiving a trusted transaction item selected by the remitter,
The fourth step may further include generating an electronic bill of lading containing the content of the transaction corresponding to the borrowing transaction request information and including the content of the security transaction contract corresponding to the security transaction contract item A borrowing transaction method based on payee identification.
The method as claimed in claim 1,
Further comprising the step of generating an electronic signature document including a transaction content corresponding to the borrow transaction request information and including an automatically settled security transaction contract content.
6. The method according to any one of claims 3 to 5,
Requesting a digital signature using the recipient's certificate by providing the electronic ID document to the recipient terminal used by the recipient who has requested the withdrawal of the transaction amount; And
And receiving the recipient electronic signature from the recipient terminal, wherein the recipient electronic signature is electronically signed with the recipient's electronic document through the recipient's certificate.
The method according to claim 1,
When a hash code electronic document including transaction details corresponding to the borrowing transaction request information is generated, a hash value generated by unidirectionally hashing the borrowed electronic document by a specified hash algorithm into at least i ( a root hash of the Merkle Tree including i hash values of the i < th > i < th > electronic document is generated, and the generated root hash and the task proof value Nounce of the specified difficulty (N > = 1) leaf block is generated and an Nth document verification block is attached to the generated Nth lip block and i < th > And a block encrypting step of encrypting and decrypting the decrypted encrypted data.
8. The method of claim 7,
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,
When an electronic signature for use document containing transaction details corresponding to the borrowing transaction request information is generated and a recipient electronic signature is attached to the electronic signature of the beneficiary through the certificate of the recipient,
Further comprising the step of storing the borrowing electronic document attached with the recipient digital signature in an authorized electronic document repository.

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