KR20200094983A - Block chain based electronic contract method and system - Google Patents

Abstract

The present invention relates to a blockchain-based electronic contract and, more specifically, to a blockchain-based electronic contract method, capable of verifying whether a contract is forged and falsified and enabling the legal effect of the contract to be recognized in case of a dispute by storing a result, which is signed and authenticated by another person who has agreed with contract verification in regard to an electronic contract performed in a platform, in a distributed ledger, and a system thereof. To achieve the purpose, the blockchain-based electronic contract method includes: a step in which a contractor computing device requests the creation of a block after performing an electronic contract by accessing a contract platform; a step in which the contract platform transmits an electronic contract to computing devices of a plurality of contract verifiers who have already subscribed; a step in which the computing devices of the plurality of contract verifiers perform verification work on the electronic contract; a step in which when the verification work is completed, the contract platform creates a contract block to store the same in its own blockchain ledger; and a step in which the computing devices of the plurality of contract verifiers individually store the created contract block in its own blockchain ledger.

Description

Block chain based electronic contract method and system

The present invention relates to a blockchain-based electronic contract, and in detail, by storing the result of signature verification by another person who agreed to the contract proof on the electronic contract executed on the platform in a distributed ledger, it verifies the forgery of the contract and causes disputes It is about a blockchain-based electronic contract method and system that can be recognized for the legal effect of city contracts.

In general, a contract refers to a legal act established by subscription and acceptance of an agreement between both parties.

These contracts are usually made through documents called contracts, but in case of minor transactions between individuals, the contract is not written and is often substituted orally. In addition, even if a contract is written, notarization is often omitted, and there is a dispute over whether the contract is forged or altered when a dispute arises.

In recent years, with the development of Internet and information and communication technology, electronic contracts are prepared to clarify the contractual relationship arising from economic or non-economic activities conducted offline or online, and to provide a basis for legal issues that may arise in the future. Is increasing.

In the conventional electronic contract method, one of the contracting parties writes an electronic contract according to the agreement between the parties, signs the electronic contract, and sends it to the other by email, and the other party who received the email checks the electronic contract and signs the electronic contract. In this way, an electronic contract is established with each other.

When an electronic contract is established with each other, the contracting party sends the electronic contract to the notary by e-mail for notarization of the electronic contract. The notary public who received the electronic contract reads the electronic contract, and if there is no problem, the notary public signs the electronic contract and sends it to the contracting party.

However, such an electronic contract method has a side that the general public is reluctant to use because the procedure is complicated, and even if an electronic contract is made, there are many cases where notarization is not performed due to cost problems. In addition, even if the electronic contract is notarized, the possibility that the electronic contract of the notary is altered by external hacking cannot be completely excluded because such electronic contract is executed on the platform.

On the other hand, there may exist forms similar to contracts, such as various promises or oaths in everyday life as well as money and service contracts. I can.

Accordingly, there is a need for a new type of electronic contract system that allows the general public to easily sign contracts and obtain legal validity for the signed contracts for trivial matters or transactions between individuals.

Korean Patent Registration No. 10-1407047

The present invention was invented to solve the above problems, and an object of the present invention is to fundamentally block the possibility of forgery or alteration due to external hacking when signing an electronic contract on the platform.

Another object of the present invention is to verify the forgery of a contract without using a notary public, and to obtain the legal effect of the contract in case of a dispute.

To this end, the block chain-based electronic contract method according to the present invention includes the steps of requesting block generation after a contractor's computing device accesses a contract platform and performs an electronic contract, and Transmitting the electronic contract to the computing devices, the plurality of contract prover computing devices performing a verification work on the electronic contract, and when the verification work is completed, the contract platform generates a contract block And storing the generated contract block in their own blockchain ledger by each of the plurality of contract prover computing devices.

In addition, the electronic contract method of the blockchain-based contract platform according to the present invention includes the steps of creating an electronic contract by receiving information according to the contract content from the contractor's computing device, and receiving a request for proof of the electronic contract. Transmitting the electronic contract to the computing devices of the contract prover of the contract, and when the verification work by the plurality of contract prover computing devices is completed, a hash value of the electronic contract is generated and the hash value is stored in the blockchain ledger. It includes the step of.

In addition, the blockchain-based electronic contract system according to the present invention is a blockchain-based electronic contract system composed of computing devices connected to a network and a contract platform, wherein any computing device among the computing devices accesses the contract platform to establish an electronic contract. After performing the block generation request, the contract platform transmits an electronic contract to the computing devices previously subscribed as a contract prover among the computing devices, and the contract prover computing devices perform verification work on the electronic contract. And, when the verification work is completed, the contract platform generates a contract block using a hash function and stores it in its own blockchain ledger.

In addition, the computer-readable recording medium according to the present invention is a computer-readable recording medium in which a program for performing an electronic contract method based on a block chain is recorded, and the program receives information according to the contract contents from a contractor's computing device and creates an electronic contract. Steps and, when the request for proof of the electronic contract is confirmed, transmitting the electronic contract to the computing devices of a plurality of pre-registered contract proveres, and when the verification work by the plurality of contract prover computing devices is completed It characterized in that the steps of generating a contract block and storing the generated contract block in a blockchain ledger are performed.

As described above, the present invention constructs an electronic contract system consisting of a contract platform and computing devices, and uses a blockchain-based method to convert the result value of signature authentication by another person who has agreed to prove the existence of the contract for the electronic contract executed on the contract platform. By storing it in a distributed ledger, there is an effect of preventing forgery and alteration due to external hacking that the existing electronic contract platform had. In other words, it is possible to verify whether the contract has been forged or altered by fundamentally eliminating data manipulation that may occur due to the limited number of participants storing block information in a private blockchain environment.

In addition, in the electronic contract according to the present invention, since it is almost impossible to forge a contract, there is an effect of being able to verify whether or not the contract is forged.

In addition, since the electronic contract service user who agrees to the contract certification can be used as a contract certifier, there is an effect that the legal effect of the contract can be recognized in case of a dispute without using a notary.

In addition, in activities or transactions similar to contracts, such as various promises or oaths in daily life, as well as money and service contracts, the general public can easily sign contracts and various people witness the contracts, thus enhancing the fulfillment of the promises. It can have the same effect as getting notarized.

1 is a block diagram of a block chain-based electronic contract system according to the present invention.
2 is a signal flow diagram between subjects in the blockchain-based electronic contract system according to the present invention.
Figure 3 is a diagram showing a process in which an electronic contract service user participates as a contract party using a smartphone.
Figure 4 is a diagram showing a process of signing up as a contract verifier using a smartphone electronic contract service user.
5 is a flow chart showing the process of signing an electronic contract based on a block chain according to the present invention
6 is a view showing the types of contracts according to the present invention, options, and contract fees.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art to which the present invention pertains may easily practice. However, the present invention can be implemented in many different forms and is not limited to the embodiments described herein. In addition, in order to clearly describe the present invention in the drawings, parts irrelevant to the description are omitted, and like reference numerals are assigned to similar parts throughout the specification.

Throughout the specification, when a part "includes" a certain component, it means that other components may be further included rather than excluding other components unless otherwise stated.

In addition, the terms "?? unit" and "?? module" described in the specification mean a unit that processes at least one function or operation, which may be implemented by hardware or software or a combination of hardware and software.

Hereinafter, an electronic contract method and system based on a blockchain according to an embodiment of the present invention will be described in detail with reference to the drawings.

1 shows the configuration of a block chain-based electronic contract system according to the present invention.

Referring to FIG. 1, a blockchain-based electronic contract system includes a contract platform 100 and a plurality of computing devices 200.

The contract platform 100 is a web-based or app-based platform that can be accessed through a network by a plurality of computing devices 200. That is, the contract platform 100 is accessed by a web browser or a client application installed on the computing devices 200.

The contract platform 100 may be installed on a server owned by an existing bank or financial company, or may be implemented on a separately constructed server.

The contract platform 100 executes an electronic contract between the contracting parties and stores the original contract in the contract DB, and generates a contract block (the hash value of the contract) through the blockchain-based contract proof for the electronic contract to the blockchain ledger. Save it.

The contract platform 100 may additionally perform an electronic contract execution function as well as an electronic contract execution function. The contract platform 100 may, for example, provide a loan certificate as a basic contract in connection with a monetary loan contract, and may optionally provide a repayment agreement for an act of repaying the loan funds. As a specific example, the contract platform 100 creates a repayment agreement that includes the repayment execution details of a 10 million won transfer from the debtor XXXXX account to the creditor OOOOO account on February 10, 2019, and registers it in the bank's automatic debit computer system. I can. Then, the bank's automatic debit computer system can execute the automatic debit on the date (repayment date) to execute the debt settlement.

In addition, the contract platform 100 generates a block for automatic execution details such as a repayment agreement or automatic transfer details along with the contract block and stores them in the blockchain ledger.

The plurality of computing devices 200 are devices operated by electronic contract service users. The computing device may be a smartphone, a tablet PC, a laptop computer, or a personal computer.

The blockchain ledger is distributed and stored between the plurality of computer devices 200. When the plurality of computer devices 200 complete the verification work for the electronic contract, the contract block is added to the blockchain ledger in the plurality of computer devices 200.

The electronic contract service user consists of a contractor and a contract prover. The contractor is the person who signs the contract, and the contract prover is the person who signs and certifies the fact of the contract. When a bank or financial company operates the contract platform 100, existing subscribers can become electronic contract service users as they are, and when a new entity establishes the contract platform 100, new electronic contract service users can be recruited. have.

For convenience of explanation, the computing device 200-1 represents a computing device of a contractor, and the computing devices 200-2, 200-3, ..., 200 -N represent a computing device of contract prover.

The electronic contract service user can basically become a contractor, and in order to act as a contract prover, they must subscribe to a contract prover. The prover of contract will receive a reward in exchange for the activity of signing verification of the fact of the contract.

Figure 2 shows the signal flow between each subject in the block chain-based electronic contract system according to the present invention.

Referring to FIG. 2, first, a contractor who intends to sign a contract among electronic contract service users accesses the contract platform 100 using his or her computing device 200-1 to proceed with the electronic contract (S10). When the contractor's computing device 200-1 is a smartphone, a contract may be made through a client application.

When all the information necessary for the electronic contract is input from the contractor computing device 200-1, the contract platform 100 generates an electronic contract and stores the original electronic contract in the contract DB (S12).

When the electronic contract is completed, the contractor computing device 200-1 requests block generation for the electronic contract (S14). The contractor computing device 200-1 may designate the number of contract verifications when requesting block generation.

When a block generation request is received from the contractor's computing device 200-1, the contract platform 100 contracts with the computing devices 200-2, 200-3, ... 200-N of pre-registered contract prover The proof is requested, and the contract proof work is performed by the contract proof computing devices according to the contract proof request (S16).

The contract platform 100 transmits an electronic contract to the contract prover computing devices to request a contract proof, and the contract prover computing devices transmit a proof confirmation signature value to the contract platform 100, respectively.

When the contract proving work by the contract prover computing devices is completed, the contract platform 100 generates a contract block (S18), and stores the generated contract block in its own blockchain ledger (S20).

The contract platform 100 generates an electronic contract, a contract block including the electronic signature value and the proof confirmation signature value of the electronic contract, but generates a contract block that is the hash value of the electronic contract using a hash function (hash algorithm). .

A plurality of contract prover computing devices (200-2, 200-3, ... 200-N) also store a contract block in their own blockchain ledger (S22). The contract prover computing devices receive the hash value of the electronic contract from the contract platform 100 or generate the hash value of the electronic contract using a hash function and store it in their own blockchain ledger.

In this way, each time an electronic contract is concluded on the contract platform, the contract block generated based on the blockchain is stored in the distributed ledger through the contract verification process.

Although not shown in FIG. 2, the contract prover computing devices 200-2, 200-3, ... 200-N participating in the contract certification receive a predetermined compensation amount from the contract platform 100 in exchange for the contract certification. To receive.

3 shows a process in which an electronic contract service user participates as a contract party using a smartphone.

Referring to FIG. 3, first, an electronic contract service user (eg, Hana Members) runs a client application and logs in (1), and then selects a'blockchain contract' from the menu (2).

If you select'Blockchain Contract', the type of contract is displayed, and'Money Loan' is selected from the contract type (3). If you select'Money Loan', a menu for selecting'Contract amount' and'Number of certified participants' is displayed (4). For example, the contractor can select '10 million won or less' for the contract amount, and '1000 people' for the number of certified participants.

In an embodiment of the present invention, differential charging may be applied to a contractor who makes an electronic contract according to the contract type and contract option.

6 shows the types of contracts according to the present invention and fees for each option (option).

Referring to FIG. 6, contracts are largely classified into monetary loan contracts and contracts other than monetary loans. Contracts other than monetary loans may include services, general business, and promises. Here, unlike a general transaction contract, a promise refers to an action similar to a contract that can be concluded in a relationship with a friend or a romantic partner.

In the case of monetary loans, fees are charged differently according to the number of contract signers and the contract amount, and in the case of contracts other than monetary loans, fees may be charged differently depending on the number of contract certifiers and the number of parties to the contract.

Returning to Fig. 3, since the contractor selected the contract amount as '10 million won or less' and the number of proof participants as '1000', the fee for payment for the electronic contract becomes 3,000 won (5).

In this way, when all information according to the contract content is entered, a contract is created, and when the contractor's signature is entered into the contract, an electronic contract is created (6).

When the electronic contract is created, the verification work for the electronic contract is performed (7). Proof work for electronic contracts is performed by a group of pre-registered contract proveres, and the proving work continues until the number of proving participants specified by the contractor is reached. While the proof work is being performed, the progress of the proof work is displayed on the smartphone screen.

When the number of completion of the certification work reaches the number of certification participants designated by the contractor, the final contract is completed and the contractor can download the electronic contract (8). Upon completion of the proof work, a contract block is created on the network, apart from the contractor can download the electronic contract, and this contract block is stored in the ledger distributed across the contract platform and the contract prover computing device.

Figure 4 shows the process of signing up as a contract verifier by an electronic contract service user using a smartphone.

Referring to FIG. 4, first, an electronic contract service user (for example, Hana Members) runs a client application and logs in (1), and then selects'Signer Subscription' from the menu to apply for a blockchain contract prover. Do (2).

Upon completion of the contract prover subscription application (3), the electronic contract service user is added to the contract prover group (signer group) of the blockchain network (4).

As they act as a signer, they receive compensation in exchange for proof of contract, and the proof of contract can check their own contract proof history through'sign history inquiry' (5). Through the inquiry of the contract proof history, you can see how many contracts you have proved and how much you received as compensation for the contract proof.

5 is a flowchart showing a process of signing an electronic contract based on a block chain according to the present invention. The electronic contract signing process shown in FIG. 5 is performed on the contract platform according to the present invention.

Referring to FIG. 5, first, when information according to the contract content is received from the contractor computing device, an electronic contract is executed and an electronic contract is created (S100).

When the electronic contract is created, the original contract is stored in the contract DB (S1020.

Next, it checks whether there is a block generation request for the electronic contract from the contractor computing device (S104), and if there is a block generation request, a contract proof is requested from the pre-subscribed contract prover group (S106).

When the number of proof-confirmation signatures is received from the contract prover group as many as the number of designated contract certification participants, a contract block is generated using a hash function (S108).

When the contract block is created, the contract block is stored in the blockchain ledger (S110). When the contract block is stored in the blockchain ledger, it is stored as linked to the previous contract block.

The embodiment of the present invention described above is not implemented only through an apparatus and a method, and may be implemented through a program for realizing a function corresponding to the configuration of the embodiment of the present invention or a recording medium in which the program is recorded.

Although the embodiments of the present invention have been described in detail above, the scope of the present invention is not limited thereto, and various modifications and improvements of those skilled in the art using the basic concept of the present invention defined in the following claims are also provided. It belongs to the scope of rights.

100: contract platform 200: computing device

Claims (20)

A step of requesting block generation after the contractor's computing device accesses the contract platform to execute an electronic contract; and
The contract platform transmitting an electronic contract to the computing devices of a plurality of contract proveres to which the contract platform is pre-registered,
The plurality of contract prover computing devices performing a verification work on the electronic contract,
When the verification process is completed, the contract platform generates a contract block and stores it in its own blockchain ledger;
Blockchain-based electronic contract method comprising the step of each of the plurality of contract prover computing devices storing the generated contract block in their own blockchain ledger. The method of claim 1,
Blockchain-based electronic contract method, characterized in that when the contractor computing device requests block generation, it determines the number of contract prover. According to claim 2,
Blockchain-based electronic contract method, characterized in that the contract platform generates a contract block when the number of completion of the verification work on the electronic contract reaches the number of contract prover determined by the contractor computing device. The method of claim 1,
A blockchain-based electronic contract method, characterized in that the plurality of contract prover computing devices receive compensation from the contract platform in exchange for verifying the electronic contract. In the electronic contract method of the blockchain-based contract platform,
Receiving information according to the contract content from the contractor computing device to create an electronic contract;
Upon receiving the request for proof of the electronic contract, transmitting the electronic contract to the computing devices of a plurality of pre-subscribed contract attestors; and
The electronic contract method comprising the step of generating a hash value of the electronic contract and storing the hash value in a blockchain ledger when the verification work by the plurality of contract prover computing devices is completed. The method of claim 5,
The electronic contract method, characterized in that, when the number of contract prover who certifies the electronic contract is more than a certain value, charging the contractor computing device. The method of claim 5,
Electronic contract method, characterized in that paying compensation to the plurality of contract prover computing devices participating in the verification work for the electronic contract. The method of claim 5,
If the electronic contract is a monetary loan contract, the electronic contract method, characterized in that the differential charging to the contractor computing device according to the contract amount. The method of claim 5,
When the electronic contract is a contract other than a monetary loan, an electronic contract method, characterized in that, according to the number of parties involved in the contract, differential charging is performed on the contractor's computing device. The method of claim 5,
When the electronic contract is a monetary loan contract, the electronic contract method further comprises generating a repayment agreement for the contract amount. The method of claim 10,
The step of generating the repayment agreement is an electronic contract method, characterized in that registering in an automatic debit system of a financial institution so that the contract amount is automatically transferred on the repayment date. In a blockchain-based electronic contract system consisting of network-connected computing devices and a contract platform,
A computing device among the computing devices accesses the contract platform and requests block generation after performing an electronic contract,
The contract platform transmits an electronic contract to the computing devices previously subscribed as a contract prover among the computing devices,
A blockchain, characterized in that the contract prover computing devices perform a verification work on the electronic contract, and when the verification work is completed, the contract platform creates a contract block using a hash function and stores it in its own blockchain ledger. Based electronic contract system. The method of claim 12,
A blockchain-based electronic contract system, characterized in that when any computing device among the computing devices requests block generation, the number of contract proofs is determined. The method of claim 13,
Blockchain-based electronic contract system, characterized in that the contract platform generates a contract block when the number of completion of the verification work for the electronic contract reaches the determined number of contract prover. The method of claim 12,
A blockchain-based electronic contract system, characterized in that the contract prover computing devices receive compensation from the contract platform in exchange for verifying the electronic contract. The method of claim 12,
A blockchain-based electronic contract system, characterized in that the contract prover computing devices each create a contract block using the hash function and store it in their own blockchain ledger. In a computer-readable recording medium recording a program for performing a blockchain-based electronic contract method,
The program includes the steps of creating an electronic contract by receiving information according to the contract content from the contractor computing device,
When the request for proof of the electronic contract is confirmed, transmitting the electronic contract to the computing devices of a plurality of pre-registered contract proofs;
Generating a contract block upon completion of the verification work by the plurality of contract prover computing devices,
A computer-readable recording medium, characterized in that performing the step of storing the generated contract block in a blockchain ledger. The method of claim 17,
The step of generating the contract block comprises generating a contract block, which is a hash value of the electronic contract, using a hash function when all of the proof confirmation signature values for the electronic contract are received from the contract prover computing devices. media. The method of claim 18,
The contract block is a computer-readable recording medium, characterized in that the electronic contract, the digital signature value of the contractor, and the plurality of contract prover's certificate verification signature values. The method of claim 16,
The program additionally performs the steps of creating a repayment agreement when the electronic contract is a monetary loan, and registering in the computer system of a financial institution an automatic debit function that allows the loan to be repaid on the repayment fulfillment date according to the repayment agreement. Computer-readable recording medium, characterized in that.

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