CN112136149A - Online transaction information security system and online transaction information security method - Google Patents
Online transaction information security system and online transaction information security method Download PDFInfo
- Publication number
- CN112136149A CN112136149A CN201980033773.0A CN201980033773A CN112136149A CN 112136149 A CN112136149 A CN 112136149A CN 201980033773 A CN201980033773 A CN 201980033773A CN 112136149 A CN112136149 A CN 112136149A
- Authority
- CN
- China
- Prior art keywords
- transaction
- information
- coin
- module
- money
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Withdrawn
Links
Images
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/04—Payment circuits
- G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Engineering & Computer Science (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Finance (AREA)
- Computer Networks & Wireless Communication (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention relates to an online transaction information security system and an online transaction information security method for improving security in a mode of safely carrying out virtual currency transaction, wherein an electronic wallet module of the online transaction information security system comprises: a storage unit including a sub-account for storing transaction money information held by another person and a main account for storing transaction money information held by the person; and a first transaction processing part for generating transaction currency transaction request information of a transaction currency to be sold by the user and transmitting the transaction currency transaction request information to the transaction currency mediation module, receiving and displaying deposit confirmation request information for inquiring whether a transaction currency purchaser remits a fee from the transaction currency mediation module, generating deposit result information through the user input and transmitting the deposit result information to the transaction currency mediation module, and transmitting the transaction currency information stored in the main account to the transaction currency mediation module through the request of the transaction currency mediation module.
Description
Technical Field
The present invention relates to online transaction information security, and more particularly, to an online transaction information security system and an online transaction information security method capable of improving security so as to perform a secure virtual money transaction.
Background
Recently, network virtual money is becoming a topic. The virtual money is digital money or electronic money used in an electronic form in a virtual space connected to a network, and has no real object such as a bill or a coin. According to the definition of European Central Bank (ECB), the U.S. department of finance, and the european bank regulatory agency, virtual currency is one of digital currencies that is not under government control, issued and managed by developers, and is a payment means used only in a specific virtual community. By this definition, most cryptocurrencies are digital currencies and virtual currencies.
Bitcoin (Bitcoin) is an online cryptocurrency created based on block chain technology. Even in the case where there is no central bank, the individual can freely perform financial transactions between individuals such as money transfer in the P2P manner. Since the transaction book is stored in a server of a plurality of users in a distributed manner worldwide based on the blockchain technology, it cannot practically be hacked. A SHA-256 based cryptographic hash function is used.
Bitcoin (Bitcoin) is not a currency used in real life, but is a virtual currency used in online transactions, which is an operation method for solving a very difficult mathematical problem proposed by a computer, i.e., payment, and is disclosed as an open source code by applying an MIT license, and various tokens such as etherhouse, etherhouse classic, rayleigh coin, leite coin, sub-element digital currency, dare coin, menuo coin, zero coin, quantum chain coin, and the like are generated. Bitcoin (Bitcoin) may act as a key currency among multiple tokens.
In general, accounts for bitcoins (Bitcoin) are called "electronic purses", and each electronic purse is given a fixed number of about 30 words, which is a combination of numbers, lower case letters, and upper case letters, and performs a transaction based on an encryption system of a Public Key Interface (Public Key Interface) in order to perform personal authentication and a money transaction. The public key interface structure of the network virtual currency consists of a public key for the public purpose of transaction and a private key subordinate to the corresponding public key, and the public key is equivalent to one account number of the network virtual currency.
Conventionally, points are awarded to members by points accumulating companies such as online shopping malls, banks, credit card companies, and the like, according to transactions or sales of articles, transaction records or activities based on service utilization, and the points are exchanged into network money for use by the members.
On the other hand, publication nos. 10-2017 and 0142374 disclose money transfer systems and methods using virtual money. Compared with the existing remittance mode, the mode of remitting money to a third party by transmitting bitcoin is more convenient, faster and safer, and simultaneously, after purchasing the bitcoin as money for remittance, the purchased bitcoin can be sold in the exchange with the highest market price by inquiring the bitcoin exchange (intermediary agency) in real time, thereby realizing the collection.
However, with the recent increasing interest in virtual money, the virtual money exchange (broker) suffers from a huge loss due to hacking, and thus a bankruptcy may occur. As an example, in 12 months in 2017, korean virtual money exchange (agency) "Youbit" was lost by hacking and entered the bankruptcy stage. Therefore, there is a need to develop a security technique that enables secure virtual money exchange even if a virtual money exchange (broker) is hacked.
Disclosure of Invention
Technical problem
The present invention has been made under the above-described background conditions, and an object thereof is to provide an online transaction information security system and an online transaction information security method that can improve security so as to securely perform a virtual money transaction.
Technical scheme
The online transaction information security method of the present invention for achieving the above object is performed in a transaction coin mediation module connected to a plurality of member terminals carrying an electronic wallet module through a network, and includes the steps of: the transaction coin mediation module receives transaction coin transaction request information of a transaction coin to be sold from a first member terminal carrying a first electronic wallet module and stores the transaction coin transaction request information in a database; when the transaction currency intermediary module receives transaction currency transaction request information of a transaction currency to be purchased from a second member terminal carrying a second electronic wallet module, transmitting bank account number and deposit expense information stored in the database to the second member terminal carrying the second electronic wallet module; when the transaction coin mediation module transmits deposit confirmation request information to a first member terminal carrying a first electronic wallet module and receives deposit confirmation information from the first member terminal as a response thereto, transmitting transaction coin information to be sold by the first member terminal to a second member terminal carrying a second electronic wallet module; the second electronic wallet module receives the information of the transaction currency which is not decrypted and is to be sold by the first member terminal from the transaction currency intermediary module and stores the information in the sub-account; when the transaction currency mediation module transmits verification request information for confirming whether the transaction currency information belongs to the sales made by a legal holder to a first member terminal which wants to sell the transaction currency information and receives verification success information from the first member terminal as a response to the verification request information, transaction currency encryption and decryption information is transmitted to a second member terminal which purchases the transaction currency information and is provided with a second electronic wallet module; when the second electronic wallet module receives the encryption and decryption information of the transaction coin information held by the first member from the transaction coin mediation module, the second electronic wallet module is connected with the transaction coin generation module to transmit transaction coin holder change request information containing the transaction coin information held by the first member and the encryption and decryption information of the transaction coin; and the second electronic wallet module receives the transaction currency information and the transaction currency encryption information held by the second member from the transaction currency generation module and stores the transaction currency information and the transaction currency encryption information in the main account.
The invention relates to a safety method of online transaction information, which comprises the following steps: receiving transaction currency remittance request information of transaction currency to be remitted from a first member terminal carrying a first electronic wallet module to a second member terminal carrying a second electronic wallet module and storing the transaction currency remittance request information in the database; when the transaction coin mediation module receives confirmation response information after transmitting the confirmation information of the transaction coin remittance request to the second member terminal carrying the second electronic wallet module, the transaction coin mediation module receives the transaction coin information from the first member terminal carrying the first electronic wallet module and transmits the transaction coin information to the second member terminal carrying the second electronic wallet module; the second electronic wallet module receives the transaction coin information remitted by the first member terminal from the transaction coin mediation module and stores the transaction coin information in a sub-account; when the transaction currency mediation module transmits verification request information for confirming whether the transaction currency information belongs to the transmission of a legal holder to a first member terminal which transmits the transaction currency information and receives verification success information from the first member terminal as a response to the verification request information, the transaction currency mediation module transmits transaction currency encryption/decryption information to a second member terminal which carries the second electronic wallet module; when the second electronic wallet module receives the encryption and decryption information of the transaction coin information held by the first member from the transaction coin mediation module, the second electronic wallet module is connected with the transaction coin generation module to transmit transaction coin holder change request information containing the transaction coin information held by the first member and the encryption and decryption information of the transaction coin; and the second electronic wallet module receives the transaction currency information and the encrypted transaction currency information from the transaction currency generation module and stores the transaction currency information and the encrypted transaction currency information in the main account.
The online transaction information security system of the invention comprises: an electronic wallet module operating in the user terminal; and a transaction coin mediation module operated in a server connected to the user terminal through a network, the electronic wallet module comprising: a storage unit including a sub-account for storing transaction money information held by another person and a main account for storing transaction money information held by the person; and a first transaction processing part for generating transaction currency transaction request information of a transaction currency to be sold by the user and transmitting the transaction currency transaction request information to the transaction currency mediation module, receiving and displaying deposit confirmation request information for inquiring whether a transaction currency purchaser remits a fee from the transaction currency mediation module, generating deposit result information through the user input and transmitting the deposit result information to the transaction currency mediation module, and transmitting the transaction currency information stored in the main account to the transaction currency mediation module through the request of the transaction currency mediation module.
The first transaction processing unit generates transaction coin transaction request information for purchasing a transaction coin held by another person by a user input and transmits the transaction coin transaction request information to the transaction coin mediation module, and when receiving crypto-release information of the transaction coin information held by another person from the transaction coin mediation module, transmits transaction coin holder change request information including the transaction coin information held by another person and the transaction coin crypto-release information by being connected to the transaction coin generation module, and receives the transaction coin information held by the person and the transaction coin encryption information from the transaction coin generation module and stores the transaction coin information and the transaction coin encryption information in the main account.
According to the present invention, the electronic wallet module further includes a first remittance processing part which generates transaction money remittance request information by an input of a user and transmits the same to the transaction money mediation module, receives and displays transaction money remittance request confirmation information transmitted from the transaction money mediation module on a display, displays a remittance button on the display when a confirmation response information of the user confirmed based on the transaction money remittance request is input, and transmits transaction money information to be remitted by the user to the transaction money mediation module when a pressing signal of the remittance button is input.
According to the present invention, the electronic wallet module further comprises a first authentication processing part which performs user authentication to transmit authentication result information to the transaction coin mediation module when authentication request information for confirming whether or not the transaction coin information belongs to sales or remittance of a legitimate holder is received from the transaction coin mediation module.
According to the invention, the transaction currency mediation module comprises: the database is used for storing member information of the transaction coins to be transacted, transaction coin transaction request information, transaction coin transaction result information, transaction coin remittance request information or transaction coin remittance result information transmitted from the electronic wallet module; and a second transaction processing part for receiving transaction coin transaction request information of the transaction coin to be sold from the first member terminal carrying the first electronic wallet module and storing the transaction coin transaction request information in the database, transmitting the bank account number and the deposit expense information of the first member stored in the database to the second member terminal when receiving the transaction coin transaction request information of the transaction coin to be purchased from the second member terminal carrying the second electronic wallet module, and transmitting the transaction coin information to be sold by the first member terminal to the second member terminal when transmitting the deposit confirmation request information to the first member terminal and receiving the deposit confirmation information from the first member terminal as a response thereto.
According to the present invention, the transaction coin mediation module further includes a second remittance processing part which receives transaction coin remittance request information for remitting transaction coins from the first member terminal carrying the first electronic wallet module or transaction coin remittance request information for receiving transaction coins from the second member terminal carrying the second electronic wallet module and stores the same in the database, and receives the transaction coin information from the first member terminal carrying the first electronic wallet module and transmits the same to the second member terminal carrying the second electronic wallet module when confirmation response information is input after transmitting the transaction coin remittance request confirmation information to the first member terminal carrying the first electronic wallet module or the second member terminal carrying the second electronic wallet module.
According to the present invention, the transaction money mediation module further includes a second verification processing unit which transmits verification request information for confirming whether or not the transaction money information belongs to sales or remittance of a legitimate holder to a first member terminal on which the first electronic wallet module is mounted and receives verification result information from the first member terminal, and when receiving verification success information of a first member who intends to remit the transaction money from the second verification processing unit, the second remittance processing unit transmits transaction money encryption release information to a second member terminal which receives the remitted transaction money.
ADVANTAGEOUS EFFECTS OF INVENTION
With the structure, even if a hacker invades the intermediary to transfer the transaction money held by others to the electronic wallet module, the transaction money is firstly stored in the sub-account until the previous authentication process of the holder is finished by the online transaction information security method of the invention, and cannot be transferred to the main account of the electronic wallet module. Therefore, the virtual money exchange (broker) to which the online transaction information security system and the online transaction information security method are applied can more securely exchange the virtual money of the customer.
Drawings
The drawings in the present specification illustrate preferred embodiments of the present invention, and together with the detailed description below, serve to further understand the technical ideas of the present invention, and the present invention is not limited to the matters described in the drawings.
Fig. 1 is a diagram showing an overall system for processing information of online transaction according to the present invention.
Fig. 2 is a diagram showing a main structure of processing information of an online transaction according to the first embodiment of the present invention.
Fig. 3 is a diagram showing the structures of the transaction coin generation module and the electronic wallet module in fig. 2.
Fig. 4 is a diagram showing the structure of the transaction coin mediation module in fig. 2.
Fig. 5 and 6 are exemplary views illustrating a transaction coin transaction process of the transaction coin mediation module of the present invention.
Fig. 7 and 8 are views showing an example of a money transfer process for explaining the money transaction mediation module of the present invention.
Detailed Description
The specific structural and functional descriptions of the embodiments based on the concept of the present invention disclosed in the present specification are merely examples for the purpose of illustrating the embodiments based on the concept of the present invention, and the embodiments based on the concept of the present invention may be implemented by various embodiments, but are not limited to the embodiments described in the present specification.
Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the drawings, so that those skilled in the art can easily understand and reproduce the present invention.
The free money in this specification means a point awarded to a member by a transaction or sale of an article, a transaction record based on service utilization, or an activity through an online shopping mall, a bank, or a credit card company. Like bitcoin, transaction coin is virtual currency that is transacted based on the Public Key Interface (Public Key Interface) encryption system for personal authentication and currency transaction.
As shown in fig. 1, the overall system for processing online transaction information of the present invention includes a seller 110 terminal, a buyer 120 terminal, an Internet Data (IDC) center 140 connected to a financial server 130 through a network.
In this specification, the seller 110 terminal and the buyer 120 terminal are only configured to be distinguished for convenience of describing the sales and purchase functions, and are terminals having an online transaction function capable of performing all functions such as remittance, sales, and purchase. The seller 110 terminal and the buyer 120 terminal may be smart phones, tablets, desktop computers, or the like. The financial server 130 is used to process remittance of physical money such as transfer between the seller 110 terminal and the buyer 120 terminal, deposit without deposit, and the like.
An Internet Data Center (IDC) 140 is a facility that provides server computers and network lines, etc. The servers in the internet data center 140 are used to store enormous information required for web-based search, shopping, games, education, and the like, so that thousands or tens of thousands of server computers displaying the information on websites are gathered in one location to construct and operate a concept of stably managing the information. In the server in the internet data center 140, the processor is used for processing the transaction money, and the database is used for storing the process information and the result information related to the remittance and the transaction of the transaction money. On the other hand, the process information and the result information related to the remittance and the transaction may be stored in one or more remote servers (not shown) connected to the internet data center 140 and/or the seller terminal 110 and the buyer terminal 120, in which case the seller terminal 110 and the buyer terminal 120 may be respectively embodied by a plurality of terminals such as a smart phone, a tablet computer or a desktop computer.
As shown in fig. 2, the main structure of the first embodiment of the present invention for processing online transaction information includes a transaction coin generation module 210, a plurality of electronic wallet modules 221, 222, 223, a transaction coin mediation module 231, and a database 232. The term "transaction currency" as used herein refers to a virtual currency that can be traded, such as a bitcoin or a token, and is a general term for a virtual currency that is suitable for use within the scope of the present invention.
The transaction money generation module 210 stores the primary account of the electronic wallet modules 221, 222, 223 of the seller or purchaser by converting the free money of the seller or purchaser into transaction money. The transaction currency generation module 210 may be built into a server within the internet data center 140. The plurality of electronic wallet modules 221, 222, 223 are implemented in a terminal used by a seller or a buyer, and perform a process of selling, purchasing or remitting transaction money information according to a user request by storing the transaction money information generated in the transaction money generation module 210. In the present specification, a free coin different from a transaction coin is a virtual coin which is issued during an electronic commerce transaction and is provided to a purchaser at free, and has a concept including various prizes, coupons, and the like, and is generally used only in electronic commerce transactions in a predetermined open market, unlike the transaction coin. The free money can be converted into transaction money by a prescribed rate or exchange rate, and thus can be exchanged with other virtual money or real money as general virtual money.
The transaction currency mediation module 231 and the database 232 are constructed in the server of the internet data center 140. The transaction currency mediation module 231 mediates transaction currency transactions between sellers and buyers, mediates a transaction currency remittance process, and processes user authentication for secure transaction currency transactions and remittance processes. The transaction coin mediation module 231 may share a part of data of the transaction coin generation module 210, for example, member information.
The database 232 receives and stores transaction money transaction request information transmitted from the plurality of electronic wallet modules 221, 222, 223 to the transaction money mediation module 231 from the transaction money mediation module 231, and stores transaction money transaction result information, transaction money remittance request information, and transaction money remittance result information. Therefore, even if a hacker invades the server in the internet data center 140, only the transaction information related to the transaction money is stored, so that the situation that the transaction money is stolen due to the invasion of the hacker does not occur. On the other hand, although not shown, the progress information and the result information related to the remittance and the transaction may be transmitted to one or more remote servers (not shown) connected to the internet data center 140 and/or the seller terminal 110 and the buyer terminal 120 through the transaction money intermediation module 231 and stored, in which case, the seller terminal 110 and the buyer terminal 120 may be respectively embodied by a plurality of terminals such as a smart phone, a tablet computer, or a desktop computer. In this case, a portable terminal such as a smart phone or a tablet computer is mainly used to process a transaction request of a seller or a buyer, and a desktop computer is mainly used to store a transaction result.
Hereinafter, the transaction coin generation module, the electronic wallet module and the transaction coin mediation module will be described with reference to fig. 3 to 4.
As shown in fig. 3, the transaction coin generation module 210 may include a member information storage 211, a free coin information processing 212, a free coin information storage 213, a transaction coin information processing 214, and a transaction coin information storage 215. For example, the transaction currency generation module 210 may be located on an online mall server.
The member information storage 211 stores customer information of members who join the online shopping mall. As an example, the members may be classified into a plurality of member grades according to the deposit or purchase record, for example, into general members, senior members, and VIP members. The client information stores terminal identification information used by the member, for example, computer, notebook computer, or smartphone identification information. In addition, the customer information may also store the member's name, date of birth, and bank account number.
The free money information processing part 212 may generate free money by the fee of the item purchased by the member in the online mall or the record of the item purchased in units of day/week/month, and store it in the free money information storage part 213. The free money information processing section 212 may also automatically generate free money for each member by the member rank.
When a request for converting a part or all of the member's free money into transaction money is input, the transaction money information processing part 214 may convert the free money requested to be converted into transaction money by information of a preset conversion rate or current conversion conditions, conversion rate, and the like, according to the member rank stored in the member information storage part 211. The transaction coin information processing unit 214 may deduct the free coin requested to be converted from the free coins stored in the free coin information storage unit 213. The transaction coin information processing unit 214 transmits the encrypted transaction coin information to the electronic wallet. The encrypted information of the transaction currency may include the actual holder information, such as the member's name and date of birth. The transaction coin information storage 215 may store encrypted/decrypted information of the transaction coin.
When transaction coin holder change request information including transaction coin information held by another person and transaction coin encryption release information is input from the first electronic wallet, the transaction coin information processing unit 214 releases the encryption of the transaction coin information held by another person and transmits the transaction coin information of the encrypted transaction coin to the first electronic wallet on behalf of the first electronic wallet member.
As shown in fig. 3, the electronic wallet module 310 may include a storage part 311, a transaction processing part 312, a remittance processing part 313, and a verification processing part 314. The electronic wallet module 310 may be driven by the seller 110 terminal, the buyer 120 terminal, for example, by a smart phone, a tablet computer, and a desktop computer.
The storage unit 311 is used to store an operating program and data. The storage 311 may store information about the primary account and the sub-account. The sub-account stores transaction currency information that does not release the previously encrypted information of the holder. The main account stores transaction currency information having encrypted information held by the person. The electronic wallet module 310 first stores transaction money information held by another person into the sub-account, and converts the transaction money information held by another person stored in the sub-account into transaction money information having encrypted information held by the person and stores the transaction money information in the main account in the normal process of performing the online transaction of the present invention.
The transaction processing unit 312 transmits the transaction money transaction request information by being connected to the transaction money mediation module, and processes the transaction money transaction in conjunction with the transaction money mediation module. As an example, the transaction currency transaction request information may be one of a transaction currency sale or a transaction currency purchase. The sales-related transaction currency transaction request information may include a transaction currency total and transaction currency seller information. The transaction currency transaction request information associated with the purchase may include transaction currency information to be purchased and transaction currency purchaser information.
When a process of selling a transaction coin owned by the person himself is performed, the transaction processing part 312 transmits transaction coin transaction request information to the transaction coin mediation module, receives deposit confirmation request information for inquiring whether a transaction coin purchaser remits a fee from the transaction coin mediation module, and displays the deposit confirmation request information on the display. The transaction processing part 312 transmits deposit result information to the transaction coin mediation module through the input of the user. The transaction processing unit 312 transmits the transaction money information stored in the primary account to the transaction money mediation module by a request of the transaction money mediation module.
On the other hand, when a process of purchasing a transaction coin held by another person is executed, the transaction processing unit 312 receives transaction coin information held by another person from the transaction coin mediation module and stores the transaction coin information in the sub-account, and when the encryption release information of the transaction coin information held by another person is input from the transaction coin mediation module, the transaction coin generation module 210 is connected to the transaction coin to transmit transaction coin holder change request information including the transaction coin information held by another person and the encryption release information of the transaction coin. The transaction processing unit 312 receives the transaction coin information and the encrypted transaction coin information held by the person from the transaction coin generation module 210 and stores the information in the primary account.
The remittance processing unit 313 transmits the transaction money remittance request information by being connected to the transaction money mediation module, and processes the transaction money remittance by being linked with the transaction money mediation module. Typically, money transfers are conducted via a prior negotiation between the person giving the transaction money and the recipient. For example, the transaction money remittance request information may include the total amount of transaction money to be remitted, information on the receiver receiving the remittance, and information on the sender who remitted the transaction money. As another example, the transaction money remittance request information may include a total amount of transaction money to receive remittance, remitter information for remitting the transaction money, and recipient information for receiving remittance.
The remittance processing unit 313 receives the transaction money remittance request confirmation information transmitted from the transaction money mediation module and outputs the same on the display. As an example, the transaction money remittance request confirmation information may be information for confirming whether it is true that the sender a remitts the transaction money. As another example, the transaction money remittance request confirmation information may be information for confirming whether it is true that the receiver B requests the transaction money remittance. When the response information is input by the user's operation, the remittance processing part 313 may transmit confirmation response information to the transaction money intermediation module.
For example, when the process of sending out the transaction money is executed, the remittance processing unit 313 receives the remittance button generation control information transmitted from the transaction money mediation module and outputs the control information to the display. As another example, when confirmation response information of the user confirmed based on the transaction money remittance request is input, the remittance processing portion 313 may output a remittance button to the display. When the remittance button pressing signal is input, the remittance processing part 313 transmits the total amount of the inputted transaction money and the receiver information for receiving remittance to the transaction money intermediation module.
When the flow of receiving the transaction money is executed, the remittance processing unit 313 receives the transaction money information held by another person from the transaction money mediation module and stores the transaction money information in the sub-account, and when the clear information of the transaction money information held by another person is input from the transaction money mediation module, transmits the transaction money holder change request information including the transaction money information held by another person and the transaction money clear information by being connected to the transaction money generation module 210. The remittance processing unit 313 receives the transaction money information and the encrypted transaction money information held by the person from the transaction money generation module 210 and stores them in the primary account.
When the process of selling or remitting the transaction money is performed, the verification processing section 314 can confirm whether or not the transaction money belongs to the sales or remittance by the legitimate holder of the transaction money. For example, the authentication processing unit 314 may use two or more authentication methods selected from a mailbox address authentication method, a mobile phone authentication method, an identification card authentication method, an I-pin authentication method, and a biometric information authentication method, which are input when a member logs in.
As shown in fig. 4, the transaction coin mediation module 231 may include a transaction processing part 2311, a remittance processing part 2312 and a verification processing part 2313. The transaction money mediation module 231 is provided in the internet data center and sells, purchases or remittances the transaction money by being linked with the database 232.
The data stored in the database 232 is the member information of the money to be traded. The member information may include name, age, date of birth, terminal identification information, a member fixed number issued when the member logs in, a bank account number, connection information (account name and password), a mail address, member level information, and the like. The member information can be obtained from the online shopping mall server or the financial institution with the service agreement after the member agrees. The data stored in the database 232 may include transaction money transaction request information, transaction money transaction result information, transaction money remittance request information, and transaction money remittance result information transmitted from the plurality of electronic wallet modules 221, 222, 223.
For example, when the transaction processing part 2311 receives transaction coin transaction request information to sell a transaction coin transmitted from the member terminal a mounting the first electronic wallet module, it is stored in the database 232 in a "waiting for transaction" state. For example, when the transaction processing part 2311 receives transaction coin transaction request information for purchasing a transaction coin of member a from the member terminal B mounting the second electronic wallet module, the corresponding transaction coin transaction request information is stored in the database 232 in a state of being updated to "in transaction", and then a bank account number and a deposit fee are transmitted to the member terminal B.
When the deposit confirmation request information is transmitted to the member terminal a to sell the transaction coin and the information that the deposit is not made is input to the member terminal a as a response thereto, the transaction processing part 2311 cancels the transaction while storing it by updating the transaction coin transaction request information of the "transaction in progress" state to the "transaction waiting" state. In contrast, when deposit confirmation information is input from the member terminal a, the transaction processing part 2311 requests transaction coin information to be sold to the member terminal a and transmits it to the member terminal B. When the authentication success information of the member a who wants to sell the transaction money is input from the authentication processing part 2313, the transaction processing part 2311 transmits the transaction money encryption release information to the member terminal B who purchased the transaction money, and then stores the transaction money transaction request information in the "transaction in progress" state by updating the transaction money transaction request information to the "transaction completed" state.
The remittance processing section 2312 processes the remittance of the transaction money by receiving the transaction money remittance request information transmitted from the electronic wallet. Typically, money transfers are conducted via a prior negotiation between the person giving the transaction money and the recipient. As an example, the transaction money remittance request information may include the total amount of transaction money to be remitted and the recipient information to receive the remittance. As another example, the transaction money remittance request information may include the total amount of the transaction money and remitter information for remitting the transaction money.
The remittance processing section 2312 transmits transaction money remittance request confirmation information to the electronic wallet module. As an example, the transaction money remittance request confirmation information may be information for confirming whether it is true that the sender a intends to remit the transaction money. As another example, the transaction money remittance request confirmation information may be information for confirming whether it is true that the receiver B requests the transaction money remittance. For example, when it is determined that the remittance request is a real-time remittance request, the remittance processing portion 2312 may transmit remittance button generation control information to the electronic wallet module.
For example, when it is determined that the remittance request is a real time, the remittance processing portion 2312 transmits the remittance request to the electronic wallet module of the receiver receiving the transaction money by receiving the transaction money information from the electronic wallet module of the sender who intends to remit the transaction money.
The verification processing unit 2313 can confirm whether or not the remittance is made by the legitimate holder. When the verification success information of the sender who intends to send out the transaction money is input from the verification processing unit 2313, the remittance processing unit 2312 stores remittance result information after transmitting the transaction money encryption release information to the receiver terminal that received the transaction money.
Fig. 5 and 6 are exemplary views illustrating a transaction money transaction process of the transaction money mediation module of the present invention, and fig. 7 and 8 are exemplary views illustrating a transaction money remittance process of the transaction money mediation module of the present invention.
First, a transaction process of the transaction money is explained with reference to fig. 5 and 6. In the following description, it is assumed that the first electronic wallet module sells transaction coins and the second electronic wallet module purchases transaction coins. Further, it is assumed that the member terminal a is a terminal carrying a first electronic wallet module, and the member terminal B is a terminal carrying a second electronic wallet module.
The transaction coin mediation module 310 stores in the database in a "waiting for transaction" state by receiving the transaction coin transaction request information (sales) transmitted from the first electronic wallet module (step S511, step S512).
When the transaction coin mediation module 310 receives the transaction coin transaction request information of the transaction coin to be purchased from the first electronic wallet module from the second electronic wallet module (step S513), the bank account number and the deposit fee are transmitted to the member terminal B after being stored in the database in a state of updating the corresponding transaction coin transaction request information to be "in transaction" (step S514, step S515).
The member terminal B carrying the second electronic wallet module may deposit a fee to the bank account by a user operation in a transfer, deposit without a deposit book, or credit card payment method. The member terminal a mounting the first electronic wallet module receives the deposit notification information transmitted from the financial server and displays it on the display.
The transaction coin mediation module 310 transmits deposit confirmation request information to the member terminal a, which is going to sell the transaction coin (step S516), and receives deposit result information from the member terminal a as a response thereto (step S517). The transaction coin mediation module 310 confirms the result according to the deposit result information (step S518), and when information that the deposit is not made is inputted from the member terminal a, the transaction coin mediation module 310 cancels the transaction (step S519) and stores it by updating the transaction request information of the transaction coin in the "transaction-in-progress" state to the "transaction-waiting" state. In contrast, when deposit confirmation information is input from the member terminal a, the transaction coin mediation module 310 requests transaction coin information to be sold to the member terminal a and transmits it to the member terminal B (step S520).
And the second electronic wallet module carried on the member terminal B receives the transaction currency information and stores the transaction currency information in the sub-account. As an example, when the transaction coin information is that another person holds the transaction coin information, the second electronic wallet module may automatically store the transaction coin information to the sub-account.
Referring to fig. 6, the transaction coin mediation module 310 performs authentication related to the sale of the transaction coin with respect to the member a who wants to sell the transaction coin (step S521). The transaction coin mediation module 310 determines whether the authentication of the member a is successful (step S522), and when the determination result is the authentication success, transmits transaction coin encryption release information to the member terminal B purchasing the transaction coin, and then stores it by updating the transaction coin transaction request information of the "transaction in progress" state to the "transaction completed" state (steps S523, step S524).
When the second electronic wallet module mounted on the member terminal B receives the clear information of the transaction money information held by the member a from the transaction money mediation module 310, the transaction money holder change request information including the transaction money information held by the member a and the clear information of the transaction money encryption is transmitted by being connected to the transaction money generation module 210. The second electronic wallet module mounted in the member terminal B receives the transaction money information and the encrypted transaction money information held by the person from the transaction money generation module 210 and stores the information in the primary account.
Next, a transaction money remittance process will be described with reference to fig. 7 and 8. In the following description, it is assumed that the first electronic wallet module receives transaction coins and the second electronic wallet module remits the transaction coins. Further, it is assumed that the member terminal a is a terminal carrying a first electronic wallet, and the member terminal B is a terminal carrying a second electronic wallet module.
The transaction coin mediation module 310 stores in the database in a "waiting for money transfer" state by receiving the transaction coin remittance request information transmitted from the first electronic wallet module, and transmits transaction coin remittance request confirmation information to the second electronic wallet module (steps S711, S712). As an example, the transaction money remittance request confirmation information may be information for confirming whether it is true that the sender a requests the transaction money remittance.
The transaction coin mediation module 310 receives the confirmation response message from the second electronic wallet module (step S713) and confirms whether the remittance request is authentic (step S714). For example, when the confirmation result is that the money transfer request is not in real time, the information stored in the database in the "waiting for money transfer" state is deleted. In contrast, when the confirmation result is that the money transfer request is in real time, the money transfer button generation control information is transmitted to the second electronic wallet module (step S715). As another example, when the confirmation result is that the remittance request is in real time, the transaction coin mediation module 310 receives the transaction coin information to be remitted from the second electronic wallet module and transmits it to the first electronic wallet module (step S716).
The first electronic wallet module mounted on the member terminal a receives the transaction currency information and stores the transaction currency information in the sub-account. As an example, when the transaction coin information is that another person holds the transaction coin information, the first electronic wallet module may automatically store the transaction coin information to the sub-account.
Referring to fig. 8, the transaction money mediation module 310 performs verification related to remittance of the transaction money for member B (second electronic wallet module) who wants to remit the transaction money (step S717). The transaction money intermediating module 310 judges whether or not the member B is successfully authenticated (step S718), and when the judgment result is that the authentication has failed, deletes the information stored in the database in the "waiting for money transfer" state (step S719). In contrast, when the authentication is successful as a result of the judgment, the transaction coin encryption release information is transmitted to the member terminal a (step S720).
When the first electronic wallet module mounted on the member terminal a receives the encryption release information of the transaction coin information held by the member B from the transaction coin mediation module 310, the transaction coin holder change request information including the transaction coin information held by the member B and the transaction coin encryption release information is transmitted by being connected to the transaction coin generation module 210, and then the transaction coin information held by the person and the transaction coin encryption information are received from the transaction coin generation module 210 and stored in the primary account (step S721). The transaction coin mediation module 310 stores the remittance result information to the database (step S722).
The present invention described above is not limited to the above-described embodiments and the drawings, and it should be understood that various substitutions, modifications and changes can be made by those skilled in the art to which the present invention pertains without departing from the technical spirit of the present invention. Therefore, the true technical scope of the present invention should be determined only by the claims of the appended claims.
Claims (9)
1. A security method of online transaction information is executed in a transaction currency mediation module connected to a plurality of member terminals carrying an electronic wallet module through a network, and the security method of online transaction information is characterized by comprising the following steps:
the transaction coin mediation module receives transaction coin transaction request information of a transaction coin to be sold from a first member terminal carrying a first electronic wallet module and stores the transaction coin transaction request information in a database;
when the transaction currency intermediary module receives transaction currency transaction request information of a transaction currency to be purchased from a second member terminal carrying a second electronic wallet module, transmitting bank account number and deposit expense information stored in the database to the second member terminal carrying the second electronic wallet module;
when the transaction coin mediation module transmits deposit confirmation request information to a first member terminal carrying a first electronic wallet module and receives deposit confirmation information from the first member terminal as a response thereto, transmitting transaction coin information to be sold by the first member terminal to a second member terminal carrying a second electronic wallet module;
the second electronic wallet module receives the information of the transaction currency which is not decrypted and is to be sold by the first member terminal from the transaction currency intermediary module and stores the information in the sub-account;
when the transaction currency mediation module transmits verification request information for confirming whether the transaction currency information belongs to the sales made by a legal holder to a first member terminal which wants to sell the transaction currency information and receives verification success information from the first member terminal as a response to the verification request information, transaction currency encryption and decryption information is transmitted to a second member terminal which purchases the transaction currency information and is provided with a second electronic wallet module;
when the second electronic wallet module receives the encryption and decryption information of the transaction coin information held by the first member from the transaction coin mediation module, the second electronic wallet module is connected with the transaction coin generation module to transmit transaction coin holder change request information containing the transaction coin information held by the first member and the encryption and decryption information of the transaction coin; and
the second electronic wallet module receives the transaction currency information and the transaction currency encryption information held by the second member from the transaction currency generation module and stores the transaction currency information and the transaction currency encryption information in the main account.
2. The method for securing information on network transaction according to claim 1, comprising the steps of:
receiving transaction currency remittance request information of transaction currency to be remitted from a first member terminal carrying a first electronic wallet module to a second member terminal carrying a second electronic wallet module and storing the transaction currency remittance request information in the database;
when the transaction coin mediation module receives confirmation response information after transmitting the confirmation information of the transaction coin remittance request to the second member terminal carrying the second electronic wallet module, the transaction coin mediation module receives the transaction coin information from the first member terminal carrying the first electronic wallet module and transmits the transaction coin information to the second member terminal carrying the second electronic wallet module;
the second electronic wallet module receives the transaction coin information remitted by the first member terminal from the transaction coin mediation module and stores the transaction coin information in a sub-account;
when the transaction currency mediation module transmits verification request information for confirming whether the transaction currency information belongs to the transmission of a legal holder to a first member terminal which transmits the transaction currency information and receives verification success information from the first member terminal as a response to the verification request information, the transaction currency mediation module transmits transaction currency encryption/decryption information to a second member terminal which carries the second electronic wallet module;
when the second electronic wallet module receives the encryption and decryption information of the transaction coin information held by the first member from the transaction coin mediation module, the second electronic wallet module is connected with the transaction coin generation module to transmit transaction coin holder change request information containing the transaction coin information held by the first member and the encryption and decryption information of the transaction coin; and
the second electronic wallet module receives the transaction currency information and the encrypted transaction currency information from the transaction currency generation module and stores the transaction currency information and the encrypted transaction currency information in the main account.
3. An online transaction information security system comprising: an electronic wallet module operating in the user terminal; and a transaction currency mediation module operating in a server connected to the user terminal through a network,
the above-mentioned online transaction information security system is characterized in that,
the electronic wallet module includes:
a storage unit including a sub-account for storing transaction money information held by another person and a main account for storing transaction money information held by the person; and
a first transaction processing part for generating transaction currency transaction request information of a transaction currency to be sold by a user and transmitting the transaction currency transaction request information to the transaction currency mediation module, receiving and displaying deposit confirmation request information for inquiring whether a transaction currency purchaser remits a fee from the transaction currency mediation module, generating deposit result information by the user's input and transmitting the deposit result information to the transaction currency mediation module, transmitting the transaction currency information stored in the main account to the transaction currency mediation module by the request of the transaction currency mediation module,
the first transaction processing unit generates transaction coin transaction request information for purchasing a transaction coin held by another person by a user input and transmits the transaction coin transaction request information to the transaction coin mediation module, transmits transaction coin holder change request information including transaction coin information held by another person and transaction coin encryption release information by being connected to the transaction coin generation module when receiving encryption release information of the transaction coin information held by another person from the transaction coin mediation module, receives transaction coin information held by the person and transaction coin encryption information from the transaction coin generation module, and stores the transaction coin information and the transaction coin encryption information in the primary account.
4. The system of claim 3, wherein the electronic wallet module further comprises a first remittance processing part for generating a transaction money remittance request message by a user's input and transmitting the same to the transaction money mediation module, receiving a transaction money remittance request confirmation message transmitted from the transaction money mediation module and displaying the same on a display, displaying a remittance button on the display when a confirmation response message of the user confirmed based on the transaction money request is input, and transmitting a transaction money message to be remitted by the user to the transaction money mediation module when a pressing signal of the remittance button is input.
5. The system of claim 4, wherein the first remittance processing unit receives transaction money information held by another person from the transaction money mediation module and stores the transaction money information in the sub-account, and when receiving the clear information of the transaction money information held by another person from the transaction money mediation module, transmits a transaction money holder change request message including the transaction money information held by another person and the clear information of the transaction money encryption by connecting to the transaction money generation module, and receives the transaction money information held by the person and the encrypted transaction money information from the transaction money generation module and stores the transaction money information and encrypted transaction money information in the main account.
6. The system of claim 4, wherein said electronic wallet module further comprises a first authentication processing part for performing user authentication to transmit authentication result information to said transaction money mediation module when receiving authentication request information for confirming whether or not the transaction money information belongs to sales or remittance of a legitimate holder from said transaction money mediation module.
7. The system of claim 3, wherein the transaction currency mediation module comprises:
the database is used for storing member information of the transaction coins to be transacted, transaction coin transaction request information, transaction coin transaction result information, transaction coin remittance request information or transaction coin remittance result information transmitted from the electronic wallet module; and
and a second transaction processing part which receives transaction coin transaction request information of transaction coins to be sold from a first member terminal carrying the first electronic wallet module and stores the transaction coin transaction request information in the database, transmits the bank account number and the deposit expense information of the first member stored in the database to a second member terminal when receiving the transaction coin transaction request information of the transaction coins to be purchased by the first member from the second member terminal carrying the second electronic wallet module, and transmits the transaction coin information to be sold by the first member terminal to the second member terminal when transmitting the deposit confirmation request information to the first member terminal and receiving the deposit confirmation information from the first member terminal as a response thereto.
8. The system of claim 7, wherein the transaction money mediation module further includes a second remittance processing unit for receiving and storing transaction money remittance request information for remitting transaction money from the first member terminal equipped with the first electronic wallet module or transaction money request information for receiving transaction money from the second member terminal equipped with the second electronic wallet module in the database, and receiving transaction money information from the first member terminal equipped with the first electronic wallet module and transmitting the transaction money information to the second member terminal equipped with the second electronic wallet module when confirmation response information is inputted after transmitting the transaction money remittance request confirmation information to the first member terminal equipped with the first electronic wallet module or the second member terminal equipped with the second electronic wallet module.
9. The system of claim 8, wherein the transaction money mediation module further comprises a second authentication processing unit, the second authentication processing unit transmits authentication request information for confirming whether the transaction money information belongs to sales or remittance of a legitimate holder to a first member terminal equipped with the first electronic wallet module and receives authentication result information from the first member terminal, and the second remittance processing unit transmits transaction money encryption/decryption information to a second member terminal receiving the remitted transaction money when receiving first member authentication success information for remitting the transaction money from the second authentication processing unit.
Applications Claiming Priority (3)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| KR1020180044619 | 2018-04-17 | ||
| KR10-2018-0044619 | 2018-04-17 | ||
| PCT/KR2019/004508 WO2019203516A1 (en) | 2018-04-17 | 2019-04-15 | Online transaction information security system and online transaction information security method |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN112136149A true CN112136149A (en) | 2020-12-25 |
Family
ID=68239755
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201980033773.0A Withdrawn CN112136149A (en) | 2018-04-17 | 2019-04-15 | Online transaction information security system and online transaction information security method |
Country Status (5)
| Country | Link |
|---|---|
| JP (1) | JP6853422B1 (en) |
| CN (1) | CN112136149A (en) |
| PH (1) | PH12020551718A1 (en) |
| SG (1) | SG11202010278UA (en) |
| WO (1) | WO2019203516A1 (en) |
Families Citing this family (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111786992A (en) * | 2020-06-30 | 2020-10-16 | 河北中废通网络技术有限公司 | Member registration and authentication method, terminal device and readable storage medium |
Family Cites Families (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JP2001283118A (en) * | 2000-03-30 | 2001-10-12 | Internatl Business Mach Corp <Ibm> | On-line settling system and settling method in on-line shopping and server and seller's terminal |
| FR2811451B1 (en) * | 2000-07-07 | 2002-11-29 | Thomson Multimedia Sa | SYSTEM AND METHOD FOR MANAGING MICROPAYMENT TRANSACTIONS, CUSTOMER TERMINAL AND MERCHANT EQUIPMENT THEREOF |
| KR20140052202A (en) * | 2012-10-23 | 2014-05-07 | 주식회사 엠미디어리젼 | Method of translating sale and exchanging electonic coupon |
| KR20160115624A (en) * | 2015-03-28 | 2016-10-06 | 김병묵 | system and method for electronic commerce using electronic gift certificate |
| KR101628007B1 (en) * | 2015-04-07 | 2016-06-13 | 주식회사 코인플러그 | System for dealing a digital currency with block chain |
-
2019
- 2019-04-15 WO PCT/KR2019/004508 patent/WO2019203516A1/en active Application Filing
- 2019-04-15 SG SG11202010278UA patent/SG11202010278UA/en unknown
- 2019-04-15 CN CN201980033773.0A patent/CN112136149A/en not_active Withdrawn
- 2019-04-15 JP JP2020557152A patent/JP6853422B1/en active Active
-
2020
- 2020-10-16 PH PH12020551718A patent/PH12020551718A1/en unknown
Also Published As
| Publication number | Publication date |
|---|---|
| JP2021512435A (en) | 2021-05-13 |
| WO2019203516A1 (en) | 2019-10-24 |
| JP6853422B1 (en) | 2021-03-31 |
| PH12020551718A1 (en) | 2021-06-21 |
| SG11202010278UA (en) | 2020-11-27 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| US10521776B2 (en) | UN currency (virtual payment cards) issued by central bank or other issuer for mobile and wearable devices | |
| CN110612546B (en) | Method and apparatus for digital asset account management | |
| US20230206217A1 (en) | Digital asset distribution by transaction device | |
| Uddin et al. | E-wallet system for Bangladesh an electronic payment system | |
| US7734527B2 (en) | Method and apparatus for making secure electronic payments | |
| US8538885B2 (en) | Encryption switch processing | |
| US20170372417A1 (en) | Digital asset account management | |
| CN109416795A (en) | The token paradigmatic system of multi transaction | |
| CN109863519A (en) | Specific to the digital wallet virtual payment account of businessman | |
| KR20160009301A (en) | Private key based e-cash payment system and method thereof | |
| KR101952420B1 (en) | Paying electronic money server, system, method and computer-readable medium storing program for exchange of electronic money based on market price before proceeding with the transaction | |
| US20120173436A1 (en) | Method and system for authorizing, authenticating, implementing, brokering data transfers, and collecting fees for data transfers among distributed electronic devices and servers | |
| WO2020109972A1 (en) | Un currency (virtual payment cards) issued by central bank or other issuer for mobile and wearable devices | |
| KR20010008292A (en) | The banking trade system utilizing the e-mail account and its trading method | |
| EP1234223A2 (en) | System and method for secure electronic transactions | |
| US20200294045A1 (en) | Interaction processing system and method | |
| US10140658B1 (en) | Commodity backed virtual currency method and system for network transactions | |
| JP4714575B2 (en) | Recipient identity authentication system and method in product delivery, computer program | |
| JP6853422B1 (en) | Online transaction information protection system and online transaction information protection method | |
| KR20200130558A (en) | Method for operating a crypto-currency exchange | |
| KR102645868B1 (en) | Security system and method for online trade information | |
| AU2020102852A4 (en) | Online transaction information security system and online transaction information security method | |
| KR20190101078A (en) | Goods transaction backup system using virtual money | |
| JP2019087167A (en) | Remittance system, remittance method, and device for undertaking remittance and method for undertaking remittance | |
| WO2021096457A1 (en) | A guaranteed vehicle sales system |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| REG | Reference to a national code |
Ref country code: HK Ref legal event code: DE Ref document number: 40036577 Country of ref document: HK |
|
| WW01 | Invention patent application withdrawn after publication | ||
| WW01 | Invention patent application withdrawn after publication |
Application publication date: 20201225 |