KR20200012686A - Apparatus and Method for KYC using KYC blockchain - Google Patents

Abstract

The present invention relates to an apparatus and a method for performing a KYC using a block chain. To this end, the method of the present invention comprises: a deposit and withdrawal allowance request step of receiving, by a KYC node, a request of deposit and withdrawal allowance information with respect to account information and identification information from a service server; a primary indexing step of indexing, by the KYC node, the account information or identification information in a KYC block chain stored in a memory module of the KYC node; a secondary indexing step of indexing, by the KYC node, a relationship account which is an account in which a transaction is directly or indirectly performed with the account information in a public block chain including an account of the account information, and generating relationship account information when the deposit and withdrawal allowance information is not pre-stored in the primary indexing step; a relationship account information transmitting step of transmitting, by the KYC node, the relationship account information to a service server; a deposit and withdrawal allowance information receiving step of receiving, by the KYC node, the deposit and withdrawal allowance information with respect to the account information and the identification information from the service server; and a block chain recording step of generating and distributing, by the KYC node, a KYC transaction, which is a transaction for the account information, the identification information, and the deposit and withdrawal allowance information in the KYC block chain.

Description

Apparatus and Method for KYC using KYC blockchain}

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

Blockchain can be applied to various technical fields, but as Fundraising is facilitated by ICO (Initial Coin Offering), it has evolved as a technology for implementing cryptocurrency (or virtual currency). For example, Bitcoin is also using blockchain technology to achieve the same value as a currency even if a third party, such as a central bank, does not guarantee value, unlike a general currency. Prior to the blockchain invention, 'Middleman' was necessary to guarantee the value or to manage the transaction records of money in order to create electronic money to replace money. However, using blockchain allows certain cryptocurrencies to function as real currencies without the need for third-party organizations.

(1) Blocks are sorted by time, and the block contains transaction records and connection information for the previous block, making it difficult to forge and alter.

(2) Decentralized ledger structure makes transactions more transparent and difficult to pay double.

For the above reasons, cryptocurrency can secure its function as a currency. Cryptocurrencies with these attributes are publicly issued, including Bitcoin, Litecoin, Ripple, Etherium, Dash, and Monero. In particular, large-scale fundraising is being performed on specific tokens through ICO (Initial Coin Offering). Various cryptocurrencies have been issued, but due to the network effect, they are divided into the main ones and the ones that are not used.

In addition, various applications (Dapps) using a blockchain have been attempted. For example, international money transfer services such as Sentbe, Align Commerce, Moin, letter of credit transactions verified by Bank of America and HSBC Holdings, financing, power sales services, content services such as Steemit, Streamium, and notary services such as Nem. , Copyright management services such as Blockai, goods transaction tracking services such as Everledger, and contract management and execution services of Visa and Docusign.

As cryptocurrency trading on exchanges such as Bitrex, Bithumb, Bitfinex, etc. has been extended to the general public, and the number of cases of Fundraising using ICO has increased, KYC to know the identity of traders, investors, buyers and users as well as conventional financial transactions. The Know Your Customer procedure has begun to be used.

In order for users (including traders, investors, buyers, etc.) to use various ICOs, exchanges, and dapps, KYC (Know Your Customer) procedures should always be performed. The KYC process of ICOs generally proceeds as follows.

(1) Token buyer enters buyer information (language, name, e-mail, contact information, cryptocurrency wallet address, quantity to purchase token, photo of himself with ID and face recognition) and agrees to terms

(2) The token seller decides whether or not to register on the White List based on the buyer information, and among the buyer information of the token buyer registered on the White List, he wants to purchase a cryptocurrency wallet address (for example, an ETH wallet address) and a token purchase. Record quantity (e.g. 100ETH token purchases) in ICO's smart contract

In step 2 above, the token seller will not register the following token buyers in the White List of the ICO smart contract.

(1) Citizens of ICO-banned countries (for example, the United States, China, Singapore, etc.)

(2) fails to submit the information and documents required for the KYC process;

(3) improper accounts (eg, illegal money laundering, terrorism-related funds, etc.)

Tokens sent from wallet addresses that are not registered in the ICO smart contract's White List will not be immediately returned or exchanged for ICO tokens.

Such complex KYC procedures are duplicated every time every ICO, exchange signup, and dapp usage. This is a barrier to entry for users (token buyers, investors, Dapp users, etc.) to use the blockchain service, and service providers (token sellers, exchange operators, dapp operators, etc.) also focus resources on the blockchain products or services themselves. There is a problem that makes it difficult to do.

Korea Patent Registration, 10-1751025, Smart system for trading stock based blockchain, On The Co., Ltd. Republic of Korea Patent No. 10-1758870, Mining Rig Monitoring System And Mining Rig Monitoring Method In Using Same, On The Co., Ltd. U.S. Patent Application, US 2016/0342989 A1, Method and system for processing blockchain-based transactions on existing payment networks, Mastercard International Incorporated U.S. Patent Application, US 2016/0292672 A1, Systems and methods of blockchain transaction recordation, Nasdaq, Inc. U.S. Patent Application, US 20170132615 A1, Block chain alias for person-to-person payments, Bank Of America Corporation Republic of Korea Patent Registration, 10-1857223, Blockchain token-based user identification method and system, On The Co., Ltd.

Accordingly, an object of the present invention is to provide an apparatus and method for performing KYC using a blockchain to allow the KYC procedure to be performed by a plurality of service subjects in order to solve the above problems.

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

An object of the present invention, the KYC node, the deposit and withdrawal request request step of receiving a request for deposit and withdrawal information for account information and identification information in the service server; A first indexing step in which the KYC node indexes the account information or the identification information in a KYC blockchain stored in a memory module of the KYC node; In the first indexing step, when the deposit and withdrawal allowance information is not stored in advance, the KYC node is an account in which a transaction is performed directly or indirectly with the account information in a public blockchain including an account of the account information. Indexing a second index and generating relationship accounting information; Transmitting relationship account information by the KYC node to transmit the relationship account information to the service server; Deposit or withdrawal allowance information receiving step for the KYC node to receive the withdrawal or not allowance information for the account information and the identification information at the service server; And a blockchain recording step in which the KYC node creates and distributes a KYC transaction, which is a transaction for the account information, the identification information, and the deposit and withdrawal allowance information, in the KYC blockchain. If the deposit and withdrawal allowance information is pre-stored, the KYC node transmits the withdrawal and withdrawal allowance information previously stored to the service server, and the relationship account information is the address of the relationship account, between the relationship account and the account. It can be achieved by providing a method of performing KYC using a blockchain, characterized in that it comprises the transaction distance of the information and whether the deposit or withdrawal information of the relationship account.

In addition, the deposit or withdrawal request request step that the KYC node receives a request for deposit and withdrawal information on the account information and identification information in the service server; A first indexing step in which the KYC node indexes the account information or the identification information in a KYC blockchain stored in a memory module of the KYC node; If the deposit and withdrawal allowance information is not stored in the first indexing step, the KYC node creates a new block in the KYC blockchain and distributes the account information to the entire blockchain network of the KYC blockchain. Distributing account information; A second indexing step in which the KYC node indexes a relational account which is an account in which transactions are directly or indirectly performed with the account information in a public blockchain including an account of the account information and generates relation account information; A proof step of proving the block by satisfying a specific condition for the relationship account indexed by the KYC node; Transmitting relationship account information by the KYC node to transmit the relationship account information to the service server; Deposit or withdrawal allowance information receiving step for the KYC node to receive the withdrawal or not allowance information for the account information and the identification information at the service server; And a blockchain recording step in which the KYC node creates and distributes a KYC transaction, which is a transaction for the account information, the identification information, and the deposit and withdrawal allowance information, in the KYC blockchain. If the deposit and withdrawal allowance information is pre-stored, the KYC node transmits the withdrawal and withdrawal allowance information previously stored to the service server, and the relationship account information is the address of the relationship account, between the relationship account and the account. It can be achieved by providing a method of performing KYC using a blockchain, characterized in that it comprises the transaction distance of the information and whether the deposit or withdrawal information of the relationship account.

Another object of the present invention, a memory module for storing KYC program code and KYC blockchain; And a processing module for processing the KYC program code, wherein the KYC program code includes: a deposit and withdrawal permission request step of receiving a request for deposit and withdrawal permission information for account information and identification information from a service server; A first indexing step of indexing the account information or the identification information in the KYC blockchain stored in the memory module; In the first indexing step, when the deposit and withdrawal allowance information is not stored in advance, index the relation account, which is an account that is directly or indirectly transactions with the account information, in the public blockchain including the account of the account information. A second indexing step of generating account information; Transmitting relationship account information to the service server; Deposit and withdrawal allowance information receiving step for receiving the withdrawal and withdrawal permission information for the account information and the identification information at the service server; And a blockchain recording step of generating and distributing a KYC transaction, which is a transaction for the account information, the identification information, and the deposit and withdrawal allowance information, on the KYC blockchain. When the deposit and withdrawal allowance information is pre-stored in the indexing step, the pre-stored and withdrawal allowance information is transmitted to the service server, and the relationship account information is the address of the relationship account, between the relationship account and the account. It can be achieved by providing a device for performing KYC using a blockchain, characterized in that it includes transaction distance information and information on whether the deposit and withdrawal of the relationship account.

Another object of the present invention, a memory module for storing KYC program code and KYC blockchain; And a processing module for processing the KYC program code, wherein the KYC program code includes: a deposit and withdrawal permission request step of receiving a request for deposit and withdrawal permission information for account information and identification information from a service server; A first indexing step of indexing the account information or the identification information in the KYC blockchain stored in the memory module; In the first indexing step, if the deposit and withdrawal allowance information is not stored in advance, create a new block in the KYC blockchain and distribute account information for distributing the account information to the entire blockchain network of the KYC blockchain. step; A second indexing step of indexing a relational account which is an account in which transactions are directly or indirectly performed with the account information in a public blockchain including the account of the account information and generating relational account information; A proof step of proving the block by satisfying a specific condition for the indexed relationship account; Transmitting relationship account information to the service server; Deposit and withdrawal allowance information receiving step for receiving the withdrawal and withdrawal permission information for the account information and the identification information at the service server; And a blockchain recording step of generating and distributing a KYC transaction, which is a transaction for the account information, the identification information, and the deposit and withdrawal allowance information, on the KYC blockchain. When the deposit and withdrawal allowance information is pre-stored in the indexing step, the pre-stored and withdrawal allowance information is transmitted to the service server, and the relationship account information is the address of the relationship account, between the relationship account and the account. It can be achieved by providing a device for performing KYC using a blockchain, characterized in that it includes transaction distance information and information on whether the deposit and withdrawal of the relationship account.

Another object of the present invention is to store the KYC (Know Your Customer) blockchain, which records the deposit and withdrawal allowance information for a specific account, and constitutes at least a part of the blockchain distributed network of the KYC blockchain. An apparatus for performing KYC, comprising: a memory module for storing a KYC program code and the KYC blockchain; And a processing module for processing the KYC program code. The KYC program code includes: a deposit / withdrawal request request step of receiving a request for deposit / withdrawal allowance information for account information and identification information at a service server; A first indexing step of indexing the account information in the KYC blockchain stored in the memory module; If the deposit and withdrawal allowance information is not stored in the first indexing step, account information distribution for creating a new block in the KYC blockchain and distributing the account information to the blockchain distributed network of the KYC blockchain. step; A second indexing step of indexing a relational account which is an account in which transactions are directly or indirectly performed with the account information in a public blockchain including the account of the account information and generating relational account information; A block verification step of setting the new block as proof when a specific indexing condition for the relationship account information is satisfied; Transmitting relationship account information to the service server; Deposit or withdrawal allowance information receiving step for receiving the withdrawal or not allowance information on the account information in the service server; And a blockchain recording step of creating and distributing a KYC transaction, which is a transaction for the account information and the deposit and withdrawal allowance information, on the KYC blockchain; and including program code for executing the program on a computer. When deposit and withdrawal allowance information is pre-stored, it is possible to achieve by providing a device for performing KYC using block proof of the KYC blockchain, characterized in that the pre-stored and withdrawal allowance information is transmitted to the service server.

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

First, according to one embodiment of the present invention, the effect of reducing the duplication of resources used in the KYC procedure occurs.

Second, according to an embodiment of the present invention, the KYC procedure can be performed by a plurality of subjects without violating the law on personal information protection.

Third, according to one embodiment of the present invention, verification of AML (Anti-Money Laundering), such as verification of a name account of a user who fails to register a white list, is made easy.

The following drawings, which are attached to this specification, illustrate exemplary embodiments of the present invention, and together with the detailed description of the present invention, further understand the technical spirit of the present invention. Is not.
1 is a schematic diagram showing a KYC performing system using a blockchain according to an embodiment of the present invention,
2 is a flowchart illustrating a method of performing KYC using a blockchain according to an embodiment of the present invention;
Figure 3 is a schematic diagram showing the structure of the KYC blockchain according to an embodiment of the present invention,
4 is a schematic diagram showing a data structure of relationship account information according to an embodiment of the present invention;
5 is a flowchart illustrating a method of performing KYC using a blockchain including a modified POW consensus method according to an embodiment of the present invention.

DETAILED DESCRIPTION Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. However, in describing in detail the operating principle of the preferred embodiment of the present invention, if it is determined that the detailed description of the related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted.

In addition, the same reference numerals are used for parts having similar functions and functions throughout the drawings. Throughout the specification, when a particular part is connected to another part, this includes not only the case where it is directly connected, but also the case where it is indirectly connected with another element in between. In addition, the inclusion of a specific component does not exclude other components unless specifically stated otherwise, it means that may further include other components.

KYC Execution Device Using Blockchain

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

The service server 200 is a configuration of a web server serving ICOs, cryptocurrency exchanges, and various Dapps (Decentralized Applications). For example, when a specific user wants to purchase a token for a specific ICO project, the user may identify information (language, name, contact information such as language, name, e-mail, cryptocurrency wallet, etc.) on a web page outputted to the user's client through the service server 200. You will be asked to enter your address (account information), the number of tokens you want to purchase, a photo of yourself holding your ID and face recognition, and request KYC registration (white list registration). In addition, the service server 200 may be connected to the KYC node 400 may be configured to request a transaction for the state change of the specific user information or a query for the search of the transaction to the KYC blockchain 30. In addition, the service server 200 may be configured to request the KYC node 400 to record the deposit and withdrawal allowance information on the KYC blockchain 30 for account information and identification information of a specific user.

The KYC node 400 refers to one node connected to the service server 200 among a plurality of nodes constituting the network of the KYC blockchain 30, and a specific user in the KYC blockchain 30 in the service server 200. When requesting a state change of information, the KYC blockchain 30 is configured to send a message transaction to generate, record and distribute the transaction. In addition, the KYC node 400 may perform a role of one of a plurality of nodes constituting the network of the public blockchain 500 as well as a node of the KYC blockchain 30, and the public blockchain 500. Can index the relational account and generate the relational account information.

The KYC node 400 may refer to one of the nodes of the KYC blockchain distributed network and one of the nodes of the public blockchain distributed network as a distributed ledger device, and includes a communication module 10, a processing module 11, and a memory module ( 12). In particular, the KYC node 400 may be configured to enable recording of transactions for the KYC blockchain, but may be configured to only index transactions for the public blockchain.

The blockchain distributed network refers to a P2P distributed network composed of a plurality of nodes that store the distributed ledger of the blockchain, which is identical to the KYC blockchain 30 and the public blockchain 500. The blockchain distributed network is configured to allow at least some nodes to perform the same processing, so that even if some nodes are shut down or modulated, they do not affect the entire system. A node may mean any computing device connected to a blockchain distributed network. These nodes can include digital wallets, blockchain copies, verification engines, mining engines, peer-to-peer network distribution capabilities (broadcasts), and even clients that consist only of lighter features. The blockchain distributed network according to an embodiment of the present invention may include a hybrid P2P including a pure P2P and a super node.

In relation to the type of node, a reference client is a digital wallet management module for users, a mining module for block mining when the consensus algorithm is proof of work (POW), A blockchain database that stores all or at least some blocks of the entire blockchain, and a node including a network routing module that broadcasts transactions to the blockchain distributed network. It may mean, for example, it may mean a Client of Bitcoin Core. Full node may mean a node including a blockchain database and a network routing module. A solo miner node may mean a node including a mining module, a blockchain database, and a network routing module. The mining node may mean a light node including a gateway router and a mining module connected to a pool mining node, which means a node of a mining pool. Lightweight Wallet Nodes generally store only the header information of the blockchain, hold the digital wallet management module to store the user's digital wallet, and include the network routing module but do not include the blockchain database. It can mean a lightweight node that depends on a server owned by a third party for transaction creation or access to a blockchain distributed network. For the KYC blockchain 30, the KYC node 400 according to an embodiment of the present invention may mean nodes including at least a blockchain database and a network routing module among the above nodes. For the public blockchain, the KYC node 400 according to an embodiment of the present invention may mean nodes including at least a gateway router module. That is, a KYC blockchain 30 and a public blockchain 500 store memory modules in the KYC node 400 according to an embodiment of the present invention, or at least the KYC blockchain 30 and the public blockchain 500. It may be configured to be connected to another node stored in this memory module.

The communication module of the KYC node 400 is a gateway router connected to a network routing module or a pool mining node that broadcasts a transaction to a blockchain distributed network. ) May be used.

The processing module of the KYC node 400 is a module that processes the contents of a transaction stored in a block of a blockchain, which is a distributed ledger stored in a memory module. The processing module according to the embodiment of the present invention may be configured to process a smart contract of the KYC blockchain 30 or the public blockchain 500 by configuring a virtual machine (VM) such as an Ethereum Virtual Machine. have. Such a virtual machine is a runtime for executing byte code generated by compiling code (smart contract, smart contract) made in a high level language such as Mutan, LLL, Serpent, Solidity, etc. It is also a subject that uses storage.

The memory module of the KYC node 400 is a module for storing the KYC blockchain 30 or the public blockchain 500, which is a distributed ledger, and a blockchain database for storing all or part of the entire blockchain. It may mean. The memory module can store all or part of the blockchain, and each block header contains Timestamp, which is information about the hash value of the previous block header, the answer value, the hash value of the transaction group, and other generated times. , Difficulty which means mining difficulty, Block Number which means number of blocks, etc. may be included. Each block body (Contents) may include at least one or more transaction information (in particular, KYC transaction according to an embodiment of the present invention).

The KYC transaction information may include service account address information, account information, identification information hash value, relationship account information, deposit and withdrawal allowance information, and the like. When the KYC transaction information is stored in a block and executed, the service account address information, account information, identification information hash value, relationship account information, and deposit / withdrawal allowance information are included in the storage or memory of the service account. Can be stored in a block, for example.

The public blockchain 500 refers to a public blockchain such as Ethereum, EOS, Steam, etc., and means a public blockchain including an account of account information which is a user's cryptocurrency wallet address. The KYC node 400 indexes a relational account, which is an account in which a transaction is performed directly or indirectly with an account address of a specific user requested by the service server 200 through a query to the public blockchain 500. The relationship account information, which is information about the relationship account according to an embodiment of the present invention, may include address of the relationship account, transaction distance information between the relationship account and the specific user's account (for example, the specific user's account is A, directly If the account traded is B, the account directly dealt with B is C, the transaction distance information of B may be 1, and the transaction distance information of C may be 2), and information on whether to deposit or withdraw the money of a related account (for example, , B may be set to a1 if the transaction is allowed because the relation account named B is designated as the white list by the service server a, b2 if the transaction is not allowed because the transaction is allowed as the black list by the service server b) and 0 if not yet confirmed. It may include.

The KYC blockchain 30 refers to a blockchain in which a KYC transaction, which is a transaction for deposit / withdrawal allowance information for specific account information and specific identification information, is recorded by the KYC node 400. The smart contract stored in the KYC blockchain 30 may perform verification, recording, and distribution of KYC transactions. The code of this smart contract can be written in the languages of Solidity, Serpent, LLL, and Mutan, for example, in Ethereum. Currently, Solidity is mainly used and the syntax is similar to JavaScript. Smart Contract is program code processed by the processing module 11 including "variables", "structures" and "functions". Such Smart Contract Code is converted into Byte Code through Compile process. Byte code is compiled with Solidity Realtime Compiler. Solidity's Byte code is all hexadecimal code, and when Solidity allocates this Byte code as Payload (data:) without receiving address and distributes Transaction in Blockchain, Block is created by Miner, and such Transaction is Contract Creation It is regarded as a transaction and returned by inserting the address of the contract created (distributed) in the contractAddress: field of the Transaction Receipt.

The Smart Contract development environment can include a range of development tools and compilers. For example, in Solidity, if you write and compile code, all compilers will print [Byte Code], [Function Signature], and [ABI].

Byte Code is the result of compiling Smart Contract Code as described above.In case of creating and distributing Contract Creation Transaction in Blockchain, when Message Tx (short for transaction) occurs to Contract, Call / Query to Contract If it occurs, it runs on the KYC node 400 (EVM in the case of Ethereum).

Function Signature is the 4-byte value of the SHA3 hash value of the function name in the Contract.When executing the Contract function, the contract value is included in the to: address of the transaction and the 4-byte value of this method signature in the data: part. Enter

Application Binary Interface (ABI) refers to an application interface described in a manner that is not dependent on a specific language or platform. The ABI definition is output by the compiler or ABI Generator. Meta data about the functions and parameters of the Smart Contract is defined in ABI. When you create an application based on the JavaScript language with ABI, you can create an object, and you can easily call a Contract's function by simply calling its method. Currently, Ethereum supports creating and using objects with ABI easily in JavaScript applications with web3.js.Go-ethereum after 1.4.0 enables easy binding of Smart Contracts in Go Native language-based applications. ABIGen is provided to generate code.

Such a smart contract development environment may be connected to a blockchain engine to deliver contract creation / deployment, message tx, call / query, and such a blockchain engine means a KYC node 400 according to an embodiment of the present invention, and ether In the example, it means Ethereum Node such as geth, parity, and eth. As a result, virtual machines such as EVM for transaction processing and contract execution related to all smart contracts are configured on the same node as KYC node 400.

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

How to perform KYC using blockchain

2 is a flowchart illustrating a method of performing KYC using a blockchain according to an embodiment of the present invention. As shown in FIG. 2, in the method of performing KYC using the blockchain according to an embodiment of the present invention, the request for deposit or withdrawal is allowed (S10), the first indexing step (S11), and the second indexing step (S12b). ), The relationship account information transmission step (S13), deposit and withdrawal allowance information receiving step (S14), and blockchain recording step (S15).

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

The first indexing step S11 is a step in which the KYC node 400 indexes the account information or the identification information in the KYC blockchain 30. By the step S11, the account information or identification information previously recorded in the blockchain with or without the allowance information is efficiently found with a small resource. When deposit and withdrawal allowance information is pre-stored in step S11, the KYC node 400 transmits pre-stored and withdrawal allowance information to the service server 200 (S12a).

In the second indexing step (S12b), if no deposit or withdrawal allowance information corresponding to the account information or the identification information is previously stored in step S11, the KYC node 400 includes a public block including the account of the account information. In the chain 500, a step of indexing a relationship account, which is an account in which a transaction is performed directly or indirectly with the account information, and generating relationship account information.

The relationship account information transmitting step (S13) is a step in which the KYC node 400 transmits the relationship account information to the service server 200.

Receiving money withdrawal information reception step (S14) is a step in which the KYC node 400 receives the withdrawal allowance information on the account information and the identification information from the service server 200.

The blockchain recording step (S15) is a step in which the KYC node 400 generates and distributes a KYC transaction, which is a transaction for the account information, the identification information, and the deposit and withdrawal allowance information, on the KYC blockchain 30.

*

3 is a schematic diagram showing the structure of the KYC blockchain according to an embodiment of the present invention. As shown in FIG. 3, the memory module 12 of the KYC node 400 according to an embodiment of the present invention may store all or part of the KYC blockchain 30, and each block header includes a preceding block header. The hash value of the hash, the answer value, the hash value of the transaction group, and other information such as Timestamp (not shown), Difficulty (not shown), which means mining difficulty, and the block number. Block Number (not shown) may be included. Each block body (Contents) may include at least one or more transaction information (in particular, KYC transaction information according to an embodiment of the present invention). As shown in Figure 3, the KYC transaction according to an embodiment of the present invention, the service account address information (for example, the KYC token wallet address of a specific ICO subject), the account address held by the service server, deposit and withdrawal allowance record Account information (e.g., the Ethereum wallet address of a particular user) that is the target of the, the hash value of the identifying information (e.g., the hash value of the social security number of the particular user), the address contained in the account information, Relationship account information (for example, the relationship account's address, transaction information, token volume, whether it is a direct or indirect relationship, how many indirect relationships, etc.) It may include information about whether to withdraw or withdraw money from the service server regarding whether to allow or withdraw money from a specific user.

4 is a schematic diagram showing a data structure of relationship account information according to an embodiment of the present invention. As shown in FIG. 4, the relationship account information according to an embodiment of the present invention may include a relationship account address, transaction information, relationship information, and information on whether to deposit or withdraw money. The relational account according to an embodiment of the present invention may mean an account that is in direct or indirect transaction relationship with an account address of account information subject to KYC. The relationship account address may mean, for example, the Ethereum wallet address of the relationship account. For example, the transaction information may refer to information of a transaction that is in direct or indirect transactional relationship with account information among transactions of the relationship account.

The relationship information is information representing a distance between account information and a transaction relationship, and may be classified into a direct transaction relationship and a first ... n indirect transaction relationship. The direct transaction relationship refers to a case in which the corresponding transaction information is transaction information directly dealt with the account information and the relationship account information. For example, the transaction information may be expressed as a dummy value of '0' as shown in FIG. 4. The first indirect transaction relationship is a transaction information in which the transaction information is directly traded with relationship account information different from the relationship account information that is in direct transaction relationship with the account information. Defined as being a relationship, for example, it can be represented by a dummy value of '1' as shown in FIG. The nth indirect transaction relationship is the transaction information in which the transaction information is directly traded with the account information and the relationship account information that is different from the relationship account information in the n-1 indirect transaction relationship. It may be defined as being in the nth indirect transaction relationship and may be expressed as, for example, a dummy value of 'n'.

Withdrawal allowance information is information indicating whether or not previously stored withdrawal allowance for the relevant account address, and can be classified as withdrawal allowance, withdrawal allowance, no details. For example, as shown in FIG. 4, in the case of deposit and withdrawal allowance, a dummy value of '0' may be expressed. In the case of no deposit and withdrawal allowance, a dummy value of '1' and '2' if there is no information on whether withdrawal or withdrawal are allowed. It can be pre-stored or preset as a dummy value. In addition, according to an embodiment of the present invention, the deposit or withdrawal allowance information may include the service account information that requested the registration and the KYC token balance (Balance) information at the time of registration of the service account. According to this, when a plurality of service accounts input different deposit or withdrawal allowance information for one account information or one identification information, the withdrawal allowance information is a probabilistic value based on the amount of KYC tokens held in each service account. Alternatively, the effect of writing on the KYC blockchain as information with discontinuous values occurs.

If the KYC blockchain is configured separately from the public blockchain according to an embodiment of the present invention, even if KYC is performed using the KYC blockchain, the resources of the public blockchain are not used, and the transaction cost, transaction speed, There is an effect of not being restricted by network safety such as hard fork issues. For example, if the KYC blockchain is not used separately and the technical idea of the present invention is carried out using only the Ethereum blockchain, which is one of the public blockchains, a huge GAS for all transactions related to the change of the state of the deposit or withdrawal information is possible. Problem arises.

In addition, since the KYC blockchain indexes the account information or the identification information first, there is an effect that it is not necessary to always index the entire transaction of the public blockchain for the KYC of the specific account or the specific identification information.

In addition, the KYC node indexes the relational account, which is an account in which there is a direct or indirect transactional relationship with the corresponding account address on the public blockchain, thereby reducing the possibility of illegal money laundering, such as attempting to withdraw money from another person. Effect is generated.

In addition, the deposit or withdrawal information for a specific account address is decentralized and recorded while maintaining the integrity of the transaction in the KYC blockchain, which service server requests and withdrawals were not allowed, for what reason and withdrawal and withdrawal The effect of this being made accessible to various service players is made.

[Consensus Method of KYC Blockchain]

As a consensus method of KYC blockchain, the same POW (Proof of work) method, Proof of stake (POS) method, Byzantine Fault Tolerance (BFT) method, etc. can be used. However, in the KYC blockchain according to an embodiment of the present invention, by applying at least one of the modified POW and the modified POS, the problem of the existing consensus method is solved, and an effect that has a positive effect on the decentralization of KYC occurs. do.

Regarding the modified POW method, FIG. 5 is a flowchart illustrating a KYC performing method using a blockchain including a modified POW consensus method according to an embodiment of the present invention. As shown in FIG. 5, in the method of performing KYC using a blockchain including a POW consensus method according to an embodiment of the present invention, whether or not to allow deposit and withdrawal for account information or identification information is previously stored in the KYC blockchain after S11. If not, it may further include an account information distribution step (S20), a public blockchain indexing step (S21), a block attestation step (S22).

The account information distribution step (S20) is to distribute account information to the entire KYC blockchain network so that KYC nodes can create new blocks on the KYC blockchain and each KYC node can competitively index its account information in the public blockchain. It's a step. According to S20, unlike the existing blockchain, each time a request for one account information is received, a new block is formed in the KYC blockchain, and a transaction is recorded for one account information per block. The speed of confirmation (TPS) is very fast and the blockchain data structure is simplified.

In the public blockchain indexing step (S21), each KYC node in the KYC blockchain receives the account information distributed in S20, and each KYC node indexes the relational account in the public blockchain, in which the account is directly or indirectly traded with the account information. To generate the relationship account information.

The block proof step (S22) is a step in which a KYC node indexing a relationship account that satisfies a specific indexing condition among each KYC node is set to prove the block. Specific indexing conditions are, for example, above or above a certain indexing condition, which consists of the number of indexed relationship accounts, the distance between the indexed relationship account and the transaction relationship of the specific account subject to the KYC request (either direct or indirect). It may mean. In addition, the most specific indexing conditions consist of the number of relationship accounts indexed within a predetermined time period after the block is created, and the distance (direct or indirect) between the indexed relationship account and the transaction account of the KYC request target. It may mean whether it has achieved.

According to the modified POW method, the competitive induction of the relational account indexing of the KYC node becomes possible. In the conventional POW method, there is no reason for KYC nodes to inject relational resources and perform relational account indexing in the public blockchain.

In addition, according to S20 to S22, unlike the existing blockchain, the blockchain branching problem is probabilistically improved. In the step of distributing account information according to an embodiment of the present invention (S20), an example of a case in which blockchains having different block orders are generated for different KYC nodes (KYC node a, KYC node b) by latency can be assumed. have. The blockchain has a high probability that the block order of the blockchain is different for some nodes due to the latency of the distribution. This is called a fork to those skilled in the blockchain industry, and the fork has remained a serious problem that worsens the integrity, the greatest effect of the blockchain, in that two blockchains are randomly generated. Existing public blockchains such as Bitcoin and Ethereum solved this problem by determining which blockchain was configured longer after a certain time and unilaterally deleting one of the non-long ones. There was always a possibility that the blockchain could be composed of two or more, so it was not a complete solution. However, according to S20 to S22 according to an embodiment of the present invention, the probability that a fork is generated is reduced because the probability that each node having a different order of generated blocks proves a generated block is low. Is generated.

* Regarding the modified POS method, in step S14 according to an embodiment of the present invention, the deposit or withdrawal allowance information may include service account information requesting registration and KYC token balance information at the time of registration of the service account. have. According to this, when a plurality of service accounts respectively input or withdraw allowance information for one account information or one identification information, even if there is a gap, the withdrawal allowance information is KYC of each service account. Probability or discontinuous value based on the token holding amount is recorded in the KYC blockchain, and a plurality of service accounts for one account information or one identification information correspond to the ratio of the KYC token holding amount at the time of block recording. The effect of proving the block is generated. According to this, the hash value of the information of each service account and the ratio of the KYC token holding amount may be stored in the block header, and a linked list may be configured. According to the modified POS method according to an embodiment of the present invention, an effect of becoming more suitable for KYC decentralization is generated as compared to the existing POS method. According to the modified POS method, more rewards are paid when the service account with more KYC tokens contributes to the ecosystem of KYC blockchain by registering I / O information on specific account or specific identification information. There is an additional effect of rising demand for itself. The conventional POS method has a low relation with KYC decentralization by acquiring the right to update data in proportion to the amount of assets currently held by each validator node. In addition, according to the modified POS method, even if forking occurs in a plurality of chains, a chain for proving (retaining) more KYC tokens survives, so that the fork of the chain can be quickly recovered. In addition, according to the modified POS method, various opinions (eg, withdrawal or withdrawal) of a plurality of service accounts with respect to specific account information or specific identification information may be crowdsourced.

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

[Token Reward]

In this case, according to an embodiment of the present invention, a reward token may be distributed to an account of a KYC node that satisfies a specific condition for the complete decentralization of KYC. The token reward method is KYC which deposits a certain number of tokens (KYC tokens) when requesting a KYC for a specific account from a specific KYC node to the KYC blockchain, and saves the deposit and withdrawal information for the account in the KYC blockchain. It may be configured to distribute at least a portion of the token deposited to the node. To this end, an account (service account) of the KYC blockchain may be configured or assigned to each KYC node representing each service server. Hereinafter, a reward token, which is a token to be paid as a reward, is referred to as a KYC token for convenience of explanation and to distinguish it from coins or tokens of the public blockchain.

In relation to the KYC token generation method, which is a reward token, according to an embodiment of the present invention, in step S10, information regarding whether to allow deposit or withdrawal of specific account information and specific identification information of a specific user who is a target of a KYC request to a specific KYC node to a specific KYC node When the request is made, a transaction for a specific number of KYC token state changes can be created using the service account, which is the account of the KYC node, as the token sender. In this case, since service principals who want to perform KYC using the KYC blockchain must always purchase KYC tokens, there is an effect that a continuous demand for KYC tokens occurs. Or, like the existing public blockchain, KYC tokens can be generated for each block creation and verification.

Regarding the compensation method of the KYC token, according to an embodiment of the present invention as the first embodiment, the deposit or withdrawal allowance information for the specific account information or the specific identification information requested by the service server is previously stored in the KYC blockchain in step S11. If there is, it may be configured to compensate the KYC token to the service account that registered the withdrawal allowance information for the specific account information or the specific identification information. In this case, there is an effect that registration of deposit or withdrawal allowance information for specific account information or specific identification information is induced.

As a second embodiment of the reward scheme of the KYC token, according to an embodiment of the present invention, in the case of 12b of FIG. 2 or S21 of FIG. 5, when the relationship account is indexed in the public blockchain by the KYC node, the index of the relationship account is indexed. The number of relationship account information indexed by a particular KYC node satisfies the exceeding or exceeding a specific indexing condition consisting of the number, the distance between the indexed relationship account and the transaction relationship of the specific account that is the KYC request target (either direct or indirect). In this case, a scheme of rewarding the KYC token to the service account of the specific KYC node may be used. In this case, since a plurality of KYC nodes are competitively indexed by the public blockchain, the hash value of relational account information above or above a specific indexing condition is used to establish a block proof and consensus method of POW (Proof of Work). The effect of being able to build is generated. That is, according to the second embodiment of the reward method of the KYC token, the indexing of the public blockchain in which the computing resources are used is competitively performed by a plurality of KYC nodes, thereby forming an ecosystem in which the relational account of the specific account that is the target of the KYC request is sufficiently indexed. Effect is generated. In this case, a hash value of relation account information above or above a specific indexing condition is stored in a block header to form a linked list. Variations of the second embodiment of the compensation scheme of KYC tokens include the number of relationship accounts indexed within a predetermined time period after the block is generated, and the distance between the indexed relationship account and the transaction relationship of the specific account targeted for KYC request (direct or indirect). It is also possible to apply a scheme of rewarding the KYC token to the service account of the KYC node which has achieved the most specific indexing conditions, such as whether it is a transaction, and such modifications are included in the scope of the present invention.

According to an embodiment of the present invention as a third embodiment of the compensation scheme of the KYC token, when the relationship account is indexed in the public blockchain by the KYC node in FIG. 2B of FIG. 2 or S21 of FIG. It can be configured to reward the KYC token to the service account registered with the KYC blockchain whether to deposit or withdraw. In this case, there is an effect that registration of deposit or withdrawal allowance information for specific account information or specific identification information is induced.

As a fourth embodiment of the reward method of the KYC token, a reward weight may be set to receive more reward as the amount of information of identification information recorded in the KYC blockchain in the service account increases. According to this, each service account is induced to accumulate more information about a specific user.

[Identification information]

The identification information according to an embodiment of the present invention may mean a hash value such as a social security number, a name, facial data, and a UUID input by a user or a service principal to a service server. Hash value storage can be written to the KYC blockchain so that individuals cannot be identified. According to an embodiment of the present invention, when the UUID is recorded in the KYC blockchain as identification information, blacklist management for users who operate multiple accounts on the same device is also possible.

According to an embodiment of the present invention, when facial data is recorded in the KYC blockchain as identification information, the KYC node extracts specific landmarks for the facial image whose standard is standardized after preprocessing, and extracts relationship information between the landmarks. And, it may be configured to record the hash value of the extracted landmark information as identification information on the KYC blockchain. According to this, it is possible for the KYC node to index the facial data while protecting the personal information. The relationship information between the landmarks may mean, for example, the ratio of the distance between the pupil and the pupil and the face width.

According to an embodiment of the present invention, decentralization of KYC is possible, and even if a separate player does not perform a KYC certification business, account information, identification information, and deposit / withdrawal allowance information for a plurality of users are accumulated. . In this case, when the blockchain is not used as in an embodiment of the present invention, a problem of personal information, a problem of server mirroring, a problem of trust, a problem of difficulty in collecting information, and the like occur.

According to an embodiment of the present invention, for example, if a US citizen, a, who cannot participate in an ICO due to a legal issue, attempts to participate in an ICO, A is recorded in the KYC blockchain by the A service account with no deposit or withdrawal For example, a may create another account and attempt to participate in an ICO named A under the name b. In the conventional way, there is a problem that can not prevent such a loan account, lending behavior of a. However, according to an embodiment of the present invention, the A service server performs the request for the withdrawal allowance information of b through the KYC node (S10). The KYC node indexes the relational account on the public blockchain with respect to the account information of b and discovers the relationship with the account a (S12b, S21) .In the service server, the account a indicates that the account a is the relational account of account b. Received through the node (S13). Thereafter, the A service server handles the deposit and withdrawal of account b, and records the withdrawal and withdrawal of the account b in the KYC blockchain through the KYC node (S14, S15).

As described above, those skilled in the art will understand that the present invention can be implemented in other specific forms without changing the technical spirit or essential features. Therefore, the above-described embodiments are to be understood in all respects as illustrative and not restrictive. The scope of the present invention is shown by the following claims rather than the detailed description, and all changes or modifications derived from the meaning and scope of the claims and equivalent concepts should be construed as being included in the scope of the present invention.

The features and advantages described herein do not include all, and in particular many additional features and advantages will become apparent to those skilled in the art in view of the drawings, specification, and claims. Moreover, it should be noted that the language used herein has been chosen primarily for ease of reading and for teaching purposes, and may not be selected to describe or limit the subject matter of the present invention.

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

Some portions of this description describe embodiments of the invention with respect to algorithms and symbolic representations of operations. Such algorithmic descriptions and representations are generally used by those skilled in the data processing arts to effectively convey the substance of their work to others skilled in the art. Such operations are described functionally, computationally, or logically, but are understood to be implemented by a computer or equivalent electrical circuit, microcode, or the like. Furthermore, this also proves convenient, sometimes without loss of generality, to represent this arrangement of operations as a module. The operations described above and their associated modules may be implemented in software, firmware, hardware, or any combination thereof.

Any step, operation, or process described herein may be performed or implemented alone or in combination with other devices with one or more hardware or software modules. In one embodiment, the software module is implemented with a computer program product comprised of a computer-readable medium containing computer program code, the computer program code being configured to perform any or all of the processes, steps, or operations described. It can be executed by a computer processor.

In addition, embodiments of the present invention may relate to an apparatus for performing an operation herein. These devices may be specially designed for the required purpose and / or may include general-purpose computing devices which are selectively activated or reconfigured by a computer program stored in the computer. Such computer programs may be stored in tangible computer readable storage media or any type of media suitable for storing electronic instructions and coupled to a computer system bus. Further, any computing system referenced herein may include a single processor or may be structured to employ a multiprocessor design for increased computing power.

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

Therefore, the scope of the present invention is not limited by the detailed description, but is defined by any claims of the application on which it is based. Accordingly, the disclosure of the embodiments of the present invention is illustrative and does not limit the scope of the invention described in the claims below.

30: KYC Blockchain
200: service server
400: KYC Node
500: public blockchain

Claims (1)

In the KYC performing apparatus using the KYC blockchain, storing a KYC (Know Your Customer) blockchain for recording the deposit and withdrawal allowance information for a specific account and constituting at least part of the blockchain distributed network of the KYC blockchain,
A memory module for storing a KYC program code and the KYC blockchain; And
A processing module for processing the KYC program code;
Including,
The KYC program code is,
A deposit / withdrawal request request step of receiving a request for deposit / withdrawal allowance information for the account information and the identification information at the service server;
A first indexing step of indexing the account information in the KYC blockchain stored in the memory module;
If the deposit and withdrawal allowance information is not stored in the first indexing step, account information distribution for creating a new block in the KYC blockchain and distributing the account information to the blockchain distributed network of the KYC blockchain. step;
A second indexing step of indexing a relational account which is an account in which transactions are directly or indirectly performed with the account information in a public blockchain including the account of the account information and generating relational account information;
A block verification step of setting the new block as proof when a specific indexing condition for the relationship account information is satisfied;
Transmitting relationship account information to the service server;
Deposit or withdrawal allowance information receiving step for receiving the withdrawal or not allowance information on the account information in the service server; And
A blockchain recording step of creating and distributing a KYC transaction which is a transaction for the account information and the deposit and withdrawal allowance information in the KYC blockchain;
Containing program code for executing on a computer,
The specific indexing condition is the number of the relationship accounts indexed or the distance between the indexed relationship account and the transaction relationship of the specific account,
When the deposit and withdrawal allowance information is pre-stored in the first indexing step, the pre-stored and withdrawal allowance information is transmitted to the service server.
KYC execution device using block proof of KYC blockchain.

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