KR101980274B1 - Virtual account system for block-chain network and method for issuing and depositing virtual account thereof - Google Patents

Abstract

Provided are a virtual account system using a block chain network and a method of issuing a virtual account and depositing thereof. The virtual account system using a block chain network comprises: a virtual account block chain network for issuing a virtual account and storing virtual account distributed ledger consisting of block chains; and one or more institution servers for requesting issuance of a virtual account for payment to the virtual account block chain network, transmitting deposit guide information including a virtual account issued in the virtual account block chain network, a deposit completion amount and a deposit completion date and time by which a user needs to deposit in the issued virtual account for payment, and user information, to a user terminal used by the user, and requesting registration of the deposit guide information to the virtual account distributed ledger of the virtual account block chain network. The virtual account block chain network is capable of distributing and storing the deposit guide information transmitted from the one or more institution servers in the virtual account distributed ledger.

Description

Technical Field [0001] The present invention relates to a virtual account system using a block chain network, and a virtual account system for a block-chain network and a method for issuing and depositing a virtual account thereof.

The present invention relates to a virtual account system using a block chain network and a virtual account issuing and depositing method thereof. More particularly, the present invention relates to a virtual account system using a block chain network, A virtual account system using a block chain network, and a virtual account issuing and depositing method thereof.

A virtual account is an account that an organization with a large number of customers grants to its customers to facilitate the withdrawal of funds. That is, the virtual account is an account to which only account number is given without a bankbook. This virtual account is directly assigned to the client by the institution, unlike the account of the bank transfer which is given to the institution by the bank, and the institution registers the information such as the depositor and the deposit amount in the virtual account in advance. Therefore, when the depositor and the deposit amount are different from the previously registered information, the deposit can not be made.

FIG. 1 is a diagram for explaining an existing virtual account issuing procedure.

Referring to FIG. 1, a virtual account system linked to and / or managed by a financial institution such as a bank provides a financial account with a range and number of virtual accounts to be allocated to each institution (S110) Is a positive number) (S120). Each institution issues the allocated virtual account to the user (S130), stores and manages the virtual account issued to the user, the necessary details related to the deposit, and the like in the virtual account ledger (S140). Therefore, in order for each financial institution to issue a virtual account to the institutions, a virtual account system managed by each financial institution must be separately provided, and the virtual account system is operated in a form dependent on a financial institution. In addition, each institution manages a virtual account ledger for each user separately.

FIG. 2 is a diagram for explaining a deposit process through an existing virtual account.

Referring to FIG. 2, when an amount of money is deposited into a virtual account of a financial institution assigned by a user who has been issued a virtual account from the institution 1 (S210), the financial institution requests the virtual account system to perform a deposit verification as a virtual account (S220).

The virtual account system requests the institution 1 to verify the deposit while transmitting the amount of money and user information deposited in the virtual account (S230).

In response to the request of the virtual account system, the institution 1 verifies whether the user has deposited the correct charge into the virtual account issued to the user, and transmits the deposit validation response to the virtual account system (S240).

The virtual account system generates a deposit verification response based on the deposit verification request from the deposit validation response and provides it to the financial institution (S250).

If it is determined that the virtual account is legitimate from the deposit verification response, the financial institution deposits the money deposited in step S210 in the parent account of the virtual account (S260), and notifies the virtual account system of the deposit information (S270).

The virtual account system recognizes the deposit details from the deposit information and notifies the institution 1 of the deposit details (S280). Thus, the institution 1 stores and manages the received deposit details, that is, the user information, the user's virtual account, the deposited amount, and the date and time of the deposit.

As described above, conventionally, the virtual account system has a structure dependent on the financial corporation, and since a virtual account system must be constructed for each financial institution, a large amount of money is used for system construction.

In addition, in the past, organizations that have been allocated virtual accounts from the virtual account system manage virtual account ledgers for each virtual account, so that a large amount of resources are consumed to manage the virtual accounts.

In addition, when a virtual account system of an existing financial institution allocates a virtual account to a plurality of institutions, the verification of the validity of the details of the deposit of the virtual account system into the virtual account of the financial institution should be requested to the corresponding institution managing the virtual account ledger , They spend a lot of time and complex procedures asking for verification and receiving a verification response. In particular, from this structure, the virtual account system has a structure that is subordinate to the financial institution as well as the institution, and therefore, it actually has a more complicated system.

In addition, the existing virtual account system operates as a central server for issuing virtual accounts, and thus has a problem of being vulnerable to security.

Korean Patent Laid-Open No. 10-2013-0083050 (published on February 22, 2013)

SUMMARY OF THE INVENTION In order to solve the above-described problems, a technical problem to be solved by the present invention is to provide a virtual accounting system, which allocates a virtual account to each institution and requests validation of the virtual account, A virtual account system using a chain network, and a virtual account issuance and deposit method.

It is another object of the present invention to provide a virtual account system and a virtual account system using a block chain network that can secure the inconvenience and security weakness of each institution having a virtual account, Issuing and depositing methods.

According to another aspect of the present invention, there is provided a virtual account system using a block chain network capable of solving a security vulnerability by using a distributed ledger in place of a virtual account system operating as a central server, .

The solution of the present invention is not limited to those mentioned above, and other solutions not mentioned can be clearly understood by those skilled in the art from the following description.

According to an aspect of the present invention, there is provided a virtual account system using a block chain network, comprising: a virtual account block chain network in which a virtual account is issued and a virtual account distribution ledger configured in a block chain is stored; And requesting the virtual account block chain network for issuing a virtual account for settlement of expenses, the virtual account that is issued from the virtual account block chain network, and the deposit close amount to be deposited by the user for the payment of the fee to the issued virtual account And one or more institutional servers for transmitting deposit guidance information including user information at a deposit deadline and a user terminal used by a user and requesting registration of the deposit guide information to a virtual account distribution ledger of the virtual account block chain network; And the virtual account block chain network may distribute deposit guidance information transmitted from the one or more institution servers to the virtual account distribution ledger.

Wherein the one or more agency servers comprises: an institution communication unit for communicating with the virtual account block chain network and the user terminal; A virtual account association work unit for generating the deposit guide information including a virtual account issued to the user; And an institutional virtual account core unit for requesting issuance of the virtual account to the virtual account block chain network and requesting registration of the deposit guide information generated in the virtual account association business unit in the virtual account distribution ledger of the virtual account block chain network can do.

And when it is verified that the deposit made to the virtual account is valid from the deposit guide information distributed and stored in the virtual account distribution ledger when the user makes a deposit request through the virtual account, Further comprising: one or more financial account servers that process the virtual account block chain so as to deposit the actual deposits and request registration of the deposit details deposited in the virtual account distribution ledger in the virtual account block chain network, The deposit details transmitted from the server are distributed and stored in the virtual account distribution ledger, and the deposit details may include the virtual account, the actual amount deposited in the parent account, date and time of the deposit, and information on the user.

Wherein the one or more financial company servers include a financial institution communication unit for communicating with the virtual account block chain network to request registration of the deposit details in the virtual account distribution ledger; An account management unit for requesting verification of deposit validity for a virtual account in which the deposit request has occurred and for determining whether or not actual deposit is to be made to the parent account based on the deposit validity verification response according to the deposit validity verification request; And verifying whether or not the deposit made to the virtual account is valid from the virtual account distribution director in the virtual account block chain network, when the deposit validity verification request is input from the account management unit, and transmits a verification result as the deposit validity verification response to the account management unit To the financial institution virtual account core section.

The financial institution virtual account core unit generates a validation request message including a virtual account in which the deposit request is made, information on the user, financial company information to which the virtual account belongs, and an amount requested to be deposited in the virtual account To the virtual account block chain network and analyzing the validation response message received from the virtual account block chain network to verify the validity of the deposit made to the virtual account.

Wherein the account management unit is configured to actually deposit money into the parent account of the virtual account when it is confirmed that the deposit occurred in the virtual account is valid as a result of analyzing the deposit validation response, The core part of the financial institution virtual account can request the account core part to register the received deposit details in the virtual account distribution ledger of the virtual account block chain network.

Wherein the one or more institutional servers are connected to the virtual account block chain network in real time to check whether the deposit details for the virtual account are registered in the virtual account distribution ledger and deposit them on the basis of the deposit details registered in the virtual account distribution ledger It can be judged whether or not it has been normally processed.

Providing a core program for executing operations of the institutional virtual account core unit and the financial institution virtual account core unit to the one or more institutional servers and one or more financial service servers, ; ≪ / RTI >

According to another embodiment of the present invention, there is provided a virtual account issuing and depositing method for a virtual account system using a block chain network, comprising the steps of: (A) issuing a virtual account for cost settlement to a virtual account block chain network A deposit account information requesting payment account information including a virtual account issued from the virtual account block chain network and a deposit finishing amount and a deposit deadline to be deposited by the user for payment of the fee to the issued virtual account, Requesting registration of the deposit guide information to a virtual account distribution ledger of the virtual account block chain network; And (B) distributing the deposit guidance information transmitted from the one or more institutional servers to the virtual account distribution branch by the virtual account block chain network.

(C) When at least one financial institution server receives a deposit request from the user via the virtual account, it verifies whether or not the deposit occurred with respect to the virtual account is valid from the deposit guide information distributed and stored in the virtual account distribution ledger, Requesting registration of the deposit details deposited in the parent account in the virtual account distribution policy in the virtual account block chain network; And (D) distributing, by the virtual account block chain network, the deposit details transmitted from the one or more financial company servers to the virtual account distribution ledger.

(E) the one or more institutional servers accesses the virtual account block chain network in real time to check whether the deposit details for the virtual account are registered in the virtual account distribution ledger, and if the deposit details registered in the virtual account distribution directory And determining whether the deposit has been normally performed based on the received payment information.

(F) before the step (A), the virtual account block chain management server requests the virtual account block chain network to issue a virtual account, generates the deposit guide information and / or deposit details, And providing a core program for requesting the validation of depositing to the at least one institution server and at least one financial institution server when the deposit request is made to the account, and managing the core program.

According to the present invention, it is possible to reduce a construction cost for issuing a virtual account by directly assigning a virtual account to an institution using a virtual account block chain network capable of issuing a virtual account.

Further, according to the present invention, it is possible to simplify the procedure from requesting verification of validity of a virtual account and receiving a response to verification by distributing a virtual account block chain network without managing individual virtual account ledgers individually .

Further, according to the present invention, by using the block chain network, it is possible to compensate for the inconvenience and security vulnerability of each institution that has issued a virtual account individually managing a virtual account ledger.

In addition, according to the present invention, it is possible to solve security vulnerability by using a virtual account distribution ledger instead of a conventional virtual account system operating as a central server.

The effects of the present invention are not limited to those mentioned above, and other effects not mentioned can be clearly understood by those skilled in the art from the following description.

1 is a diagram for explaining an existing virtual account issuing procedure,
FIG. 2 is a view for explaining a deposit process through an existing virtual account,
3 is a diagram illustrating a virtual account system using a block-chain network according to an embodiment of the present invention.
4 is a block diagram illustrating a first institutional server 200 according to an embodiment of the present invention shown in FIG.
5 is a block diagram illustrating a first financial institution server 300 according to an embodiment of the present invention shown in FIG.
6 is a flowchart illustrating a virtual account issuing method of a virtual account system using a block chain network according to an embodiment of the present invention,
7 is a flowchart illustrating a virtual account deposit method of a virtual account system using a block chain network according to an embodiment of the present invention.

BRIEF DESCRIPTION OF THE DRAWINGS The above and other objects, features, and advantages of the present invention will become more readily apparent from the following description of preferred embodiments with reference to the accompanying drawings. However, the present invention is not limited to the embodiments described herein but may be embodied in other forms. Rather, the embodiments disclosed herein are provided so that the disclosure can be thorough and complete, and will fully convey the scope of the invention to those skilled in the art.

Where the terms first, second, etc. are used herein to describe components, these components should not be limited by such terms. These terms have only been used to distinguish one component from another. The embodiments described and exemplified herein also include their complementary embodiments.

Also, when it is mentioned that the first element (or component) is operated or executed on the second element (or component) ON, the first element (or component) It should be understood that it is operated or executed in an operating or running environment or is operated or executed through direct or indirect interaction with a second element (or component).

It is to be understood that when an element, component, apparatus, or system is referred to as comprising a program or a component made up of software, it is not explicitly stated that the element, component, (E.g., memory, CPU, etc.) or other programs or software (e.g., drivers necessary to drive an operating system or hardware, etc.)

It is also to be understood that the elements (or elements) may be implemented in software, hardware, or any form of software and hardware, unless the context requires otherwise.

Also, terms used herein are for the purpose of illustrating embodiments and are not intended to limit the invention. In the present specification, the singular form includes plural forms unless otherwise specified in the specification. The terms "comprises" and / or "comprising" used in the specification do not exclude the presence or addition of one or more other elements.

Hereinafter, the present invention will be described in detail with reference to the drawings. In describing the specific embodiments below, various specific details have been set forth in order to explain the invention in greater detail and to assist in understanding it. However, it will be appreciated by those skilled in the art that the present invention may be understood by those skilled in the art without departing from such specific details.

In some instances, it should be noted that portions of the invention that are not commonly known in the description of the invention and are not significantly related to the invention do not describe confusing reasons for explaining the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, the present invention will be described in detail with reference to the accompanying drawings.

Each of the configurations of the virtual account system using the block-chain network shown in FIGS. 3 to 5 indicates that the configuration can be functionally and / or logically separated, and each configuration may be divided into a separate physical device or a separate code It will be readily apparent to one of ordinary skill in the art of the present invention that it is not meant to be written.

In this specification, a module may mean a functional and structural combination of hardware for carrying out the technical idea of the present invention and software for driving the hardware. For example, the module may mean a logical unit of a predetermined code and a hardware resource for executing the predetermined code, and it does not necessarily mean a physically connected code or a kind of hardware. Can be easily deduced to the average expert in the field of < / RTI >

The virtual account system using the block chain network may be installed in a predetermined data processing apparatus to implement the technical idea of the present invention.

The user terminal 10 may be one of all electronic devices capable of installing and executing programs such as a desktop personal computer, a laptop PC, and a netbook computer.

3 is a diagram illustrating a virtual account system using a block-chain network according to an embodiment of the present invention.

3, a virtual account system using a block chain network according to an embodiment of the present invention includes a virtual account block chain network 100, first to mth agency servers 200 to 200m, 300-300n and a virtual account block chain management server 400. [

The virtual account block chain network 100 issues a virtual account to the first to mth institutional servers 200 to 200m using a core program or a separate program to be described later and distributes the virtual account distribution ledger composed of block chains . The members of the virtual account block chain network 100 may include at least one of the first to mth institutional servers 200 to 200m and the first to nth banknote servers 300 to 300n. Accordingly, the virtual account distribution ledger can be distributedly stored in at least one of the first to mth institutional servers 200 to 200m and the first to nth financialservers 300 to 300n.

The first to mth institution servers 200 to 200m can issue a virtual account from the virtual account block chain network 100 and issue the virtual account to a user who requests payment. The first to mth institutional servers 200 to 200m are installed in the first to m-th institutions, respectively, and the first to m-th institutions include institutions requiring payment of a user's cost such as a shopping mall and a government agency . Hereinafter, the first institutional server 200 will be described as an example.

The first institution server 200 requests the virtual account block chain network 100 to issue a virtual account for the payment of money when the user accesses the first institutional server 200 and requests payment of the cost, The virtual account can be issued to the user.

Alternatively, the first institutional server 200 requests issuance of a plurality of virtual accounts to the virtual account block chain network 100 in advance and is issued in advance, and when a user accesses the first institutional server 200 and requests a payment , One or more of the plurality of virtual accounts that have been issued in advance may be issued to the user.

When the user accesses the first institutional server 200 through the user terminal 10 and requests payment of the fee, the first institutional server 200 transmits the payment guide information to the user terminal 10, It is possible to request registration of the deposit guide information to the virtual account distribution ledger of the account block chain network 100. [

The deposit guide information includes a virtual account issued from the virtual account block chain network 100, a deposit finishing amount and a deposit finishing date to be deposited by the user in order to settle a fee to the issued virtual account, user information, .

The virtual account block chain network 100 may distribute deposit guidance information transmitted from the first institution server 200 to a virtual account distribution ledger in the virtual account block network 100. [

The first to n-th financial institution servers 300 to 300n communicate with the virtual account block network 100, which is not an existing virtual account system, to verify the deposit validity through the virtual account when a unified deposit request is made to the virtual account . The first to n-th financial company servers 300 to 300n are installed in the first to m-th financial companies, respectively. Hereinafter, the first financial company server 300 will be described as an example.

The first financial institution server 300 verifies whether or not the deposit made to the virtual account is valid from the deposit guide information distributed and stored in the virtual account distribution ledger in the virtual account block chain network 100 when a deposit request is made via the virtual account from the user . If it is verified that the validation result is valid, the first financial company server 300 can process the money to be actually deposited into the parent account of the virtual account and request registration of the deposit details deposited in the parent account in the virtual account distribution ledger.

The deposit details may include the virtual account number at which the deposit request was made, the first financial mission, the actual amount deposited in the parent's account, the date and time of the deposit, and identification information for the user.

The virtual account block chain network 100 may distribute the deposit details transmitted from the first financial company server 300 to the virtual account distribution root.

Therefore, in the virtual account distribution ledger, at least one deposit guidance information transmitted from the first to mth institution servers 200 to 200m and a deposit details transmitted from the first to nth financial institution servers 300 to 300n are distributed and stored And the virtual account distribution ledger can include the following [Table 1].

Distributing virtual accounts Explanation Account related Institution name The name of the institution that made the deposit request to the virtual account User name User name requested for deposit Virtual account number Deposit requested virtual account number Connection account number The parentage of a virtual field Connection bank code Bank identification code associated with the virtual account or parent account Amount related Deposit closing amount Amount to be deposited (actual amount to be paid) At the due date Valid date and time to deposit Actual deposit amount Amount actually deposited into the virtual account Actual deposit time Date and time the money was deposited into the virtual account

[Table 2] shows the relationship between the institutional virtual account core unit 230 and the financial account virtual account 230, which will be described later. [Table 2] < EMI ID = And shows the service configuration provided by the core unit 330.

The service of the institutional virtual account core unit 230 The service of the financial institution virtual account core unit 330 - Virtual account issue request - Virtual account withdrawal request
- View the history of virtual account issuance
- Virtual account deposit information registration
- View virtual account deposit history - Validation of virtual account validity (legitimacy)
- Registration of virtual account deposit history

The virtual account block chain management server 400 includes an institutional virtual account core unit 230 to be described later with respect to the first to mth institutional servers 200 to 200m and first to nth financial institution servers 300 to 300n, (That is, a virtual account block chain program) or a different core program for executing the operation of the financial institution virtual account core unit 330 and a file for updating the core program. The core program can be set at installation so that two or more operations are performed in parallel as follows.

First, in the case of the first to mth institution virtual account issuing servers 200 to 200m, an operation of requesting issuance of a virtual account and requesting registration of deposit guidance information, It is the parallel operation of issuing a virtual account

Second, in the case of the first to n-th financial institution servers 300 to 300n, an operation of requesting verification of validity of deposits generated in a virtual account and requesting registration of deposit details, The operation of issuing the virtual account is performed in parallel.

Third, the core programs installed in the first to mth institution virtual account issuing servers 200 to 200m and the first to nth financial institution servers 300 to 300n are the same, The requesting operation, the operation of requesting validation, and the operation of issuing the virtual account.

The virtual account block chain management server 400 may supervise and / or control the core programs installed and executed in the first to mth institutional servers 200 to 200m and the first to nth financial institution servers 300 to 300n, Or manage the core program running in the virtual account block chain network 100. [

Hereinafter, the virtual account issuance and the depositing operation using the virtual account in the virtual account system using the block chain network according to the embodiment of the present invention will be described in detail with reference to FIGS. 4 and 5. FIG.

4 is a block diagram illustrating a first agency server 200 according to an embodiment of the present invention shown in FIG.

4, the first organization server 200 according to the embodiment of the present invention includes an institution communication unit 210, a virtual account association business unit 220, an institutional virtual account core unit 230 and an institution storage unit 240, . ≪ / RTI >

The institution communication unit 210 may communicate with the virtual account block chain network 100 and the user terminal 10. [ For example, the institution communication unit 210 receives the virtual account, registers the deposit guide information in the virtual account distribution ledger, and checks the virtual account block chain network 100 by peer to peer (P2P) Communication can be performed. Also, the institution communication unit 210 can communicate with the user terminal 10 to guide the user to the deposit guide information and the deposit details.

The virtual account coordination business unit 220 may request the issuance of the virtual account to the institution virtual account core unit 230. [ In addition, when the virtual account association business unit 220 issues one or more virtual accounts from the virtual account block chain network 100 and issues the virtual accounts to the user, the virtual account integration business unit 220 can generate deposit guidance information including a virtual account issued to the user.

The institutional virtual account core unit 230 may generate a virtual account issuance request message for requesting virtual account issuance and send the virtual account issuance request message to the virtual account block chain network 100 to request issuance of the virtual account. The virtual account issue request message may include an identification code of a financial institution that desires to issue a virtual account.

In addition, the institutional virtual account core unit 230 may request the registration of the deposit guide information generated in the virtual account association business unit 220 in the virtual account distribution ledger of the virtual account block chain network 100. [ The deposit guide information can be used when the first financial company server 300 requests verification of deposit validity of a virtual account.

The institutional virtual account core unit 230 accesses the virtual account block chain network 100 periodically or in real time to check whether or not the deposit details deposited in the virtual account issued to the user are registered in the virtual account distribution director, It is possible to judge whether or not the deposit has been properly processed based on the deposit details registered in the account distribution ledger.

For example, the institutional virtual account core unit 230 refers to the deposit guide information and broadcasts to the virtual account block network 100 whether the deposit history of the user B depositing the C won into the virtual account A is broadcast Query, and receive a response indicating existence and the corresponding deposit details.

The organ storage 240 may include volatile memory and / or non-volatile memory. In order to implement and / or provide the operations, functions, and the like provided by the first institutional server 200, the institution storage unit 240 may include instructions or data related to the components, one or more programs and / or software, Lt; / RTI >

For example, in the institution storage unit 240, deposit guide information and deposit details generated for each user can be stored.

In addition, the program stored in the institution storage unit 240 can issue a virtual account through the virtual account block chain network 100, manage the deposit history, and can also manage another institution virtual account issuance server (for example, 200 m A virtual account block chain program capable of issuing one or more virtual accounts according to a predetermined algorithm and transmitting them to another server 200m when an issuance request of a personal virtual account is received from the virtual account block chain network 100 can do. The virtual account block chain program may be downloaded from the virtual account block chain management server 400 or directly installed in the first institution server 200 by the administrator.

When the processor (not shown) executes the virtual account block chain program, the above-described institutional virtual account core unit 230 can be activated and operated. The virtual account-linked business unit 220 and the institutional virtual account core unit 230 may be part of a processor (not shown) or may be implemented as separate modules and operate.

FIG. 5 is a block diagram illustrating a first financial server 300 according to an embodiment of the present invention shown in FIG.

5, the first financial server 300 according to the embodiment of the present invention includes a financial history communication unit 310, an account management unit 320, a financial institution virtual account core unit 330, and a financial history storage unit 340 can do.

The financial institution communication unit 310 can communicate with the virtual account block chain network 100 and / or the user terminal 10. For example, the financial institution communication unit 310 can communicate with the user terminal 10 for a financial transaction through a virtual account. In addition, the financial institution communication unit 310 may request the deposit validation verification when a deposit request is made to the virtual account, and may communicate with the virtual account block network 100 to request registration of the deposit details to the virtual account distribution ledger.

When the user makes a deposit request to the virtual account of the first financial institution, the account management unit 320 requests verification of the deposit validity with respect to the virtual account in which the deposit request has been made, and sends the deposit verification result to the parent account Of the total amount of money deposited. In other words, the account management unit 320 can request the financial institution virtual account core unit 330 to verify whether the deposit requested in the virtual account can be deposited in the user's name.

The financial institution virtual account core unit 330 verifies whether or not the deposit occurred in the virtual account from the virtual account distribution ledger in the virtual account block chain network 100 is valid when the deposit validation request is input from the account management unit 320, To the account management unit 320 as a deposit validation response.

In detail, when the deposit validation request is inputted, the financial institution virtual account core unit 330 receives the virtual account, the information about the user, the financial account information to which the virtual account belongs, And transmits the validation request message to the virtual account block chain network 100. [

The financial institution virtual account core unit 330 may analyze the validation response message received from the virtual account block chain network 100 to verify the validity of the deposit with respect to the virtual account.

For example, when the user B requests the deposit of the C source to the virtual account A, the financial institution virtual account core unit 330 stores 'deposit guide information for the user B to deposit the C source into the virtual account A' And transmits the validation request message to the virtual account block chain network 100. [ When at least one validation response message indicating that information matching the validation request message is registered from at least one of the members of the virtual account block chain network 100 is received, the financial institution virtual account core unit 330 analyzes the validation response message, Can be verified to be valid.

Alternatively, when the user B requests the deposit of the C source to the virtual account A, the financial institution virtual account core unit 330 generates a validation request message inquiring whether or not the 'virtual account A' is stored, 0.0 > 100). ≪ / RTI > When at least one validation response message indicating that 'virtual account A of financial institution D is stored' from at least one of the members of virtual account block chain network 100 is received, the financial institution virtual account core unit 330 analyzes the validation response message, If the financial institution is a financial institution D, it can be verified that the deposit made to the virtual account A is valid.

Then, the financial institution virtual account core unit 330 can transmit a deposit validity response indicating whether or not the deposit is valid to the account management unit 320. [

The account management unit 320 analyzes the deposit validation response received from the financial institution virtual account core unit 330 and determines that the actual deposit is made to the parent account of the virtual account, It is possible to create the deposit details received to the parent account and notify the financial institution virtual account core unit 330.

The financial institution virtual account core unit 330 requests registration of the received deposit details to the virtual account distribution ledger of the virtual account block chain network 100.

In addition, the financial institution virtual account core unit 330 may further provide the operation of the institutional virtual account core unit 230 described with reference to FIG. That is, when the core program of the financial institution virtual account core unit 330 and the core virtual account core unit 230 are the same, the first financial company server 300 allocates a virtual account through the virtual account block chain network 100, And can also provide information related to the deposit guidance information or the virtual account.

The financial institution storage unit 340 may include volatile memory and / or non-volatile memory. In order to implement and / or provide the operations, functions, and the like provided by the first financial institution server 300, the financial company storage unit 340 may store instructions or data related to the components, one or more programs and / or software, Lt; / RTI >

For example, in the financial institution storage unit 340, the deposit details requested to be deposited in the virtual account may be stored.

In addition, the program stored in the financial company storage unit 340 receives a virtual account of an institution or an individual through the virtual account block chain network 100, requests verification of the deposit validity by the virtual account, manages the deposit history, And a virtual account block chain program capable of issuing a virtual account as a member of the virtual account block chain network 100. [ The virtual account block chain program may be downloaded from the virtual account block chain management server 400 or directly installed in the first financial institution server 300 by the administrator.

When the processor (not shown) executes the virtual account block chain program, the above-described financial institution virtual account core unit 330 can be activated and operated. The account management unit 320 and the financial institution virtual account core unit 330 may be part of a processor (not shown) or may be implemented as separate modules and operate.

According to the above description, the virtual account for each financial institution can be issued directly to each institution server by the virtual account block chain network which can issue virtual accounts without being issued by the existing virtual account system.

In addition, when a deposit request is made through a virtual account, each financial service server verifies the validity of the virtual account by the virtual account block chain network without communicating with the existing virtual account system and the relevant institution, Can be processed.

In addition, when depositing money to the parent account is completed, each financial service server registers the deposit details in the virtual account block chain network, and each agency server can confirm in real time whether or not the user has successfully deposited money through the virtual account block network.

In addition, each agency server provides a confirmation link for confirming the deposit guidance information directly related to the virtual account to the user, and a confirmation link for confirming the deposit details, so that the user can directly communicate with the virtual account block chain network to confirm the deposit guide information Or to confirm whether or not the deposit has been normally processed.

Hereinafter, virtual account issuing and depositing operations by the virtual account system using the block chain network according to the embodiment of the present invention will be described with reference to FIGS. 6 and 7. FIG.

The virtual account issuing method and the virtual account depositing method of FIGS. 6 and 7 can be implemented by the virtual account system using the block chain network described with reference to FIGS. 3 to 5, and a detailed description thereof will be omitted. The institution communication unit 210 of the first institution server 200 and the financial institution communication unit 310 of the first financial institution server 300 are omitted from the description.

FIG. 6 is a flowchart illustrating a virtual account issuing method of a virtual account system using a block-chain network according to an embodiment of the present invention.

Referring to FIG. 6, the virtual account associating task unit 220 of the first institution server 200 may request issuance of a virtual account to the institution virtual account core unit 230 (S610).

The institutional virtual account core unit 230 creates a virtual account issuance request message for requesting a virtual account issuance in operation S620 and transmits a virtual account issuance request message to the virtual account block network 100 to request a virtual account issuance (S630). The virtual account issue request message may include an identification code of a financial institution that desires to issue a virtual account.

The virtual account block chain network 100 may generate a virtual account usable in the financial institution according to a request of step S630 and allocate the virtual account to the institution virtual account core unit 230 in step S640.

The institutional virtual account core unit 230 transfers the virtual account allocated in operation S640 to the virtual account coordination operation unit 220 (S650).

The virtual account association work unit 220 stores the virtual account received in step S650 and selects a virtual account to be issued to the user when the payment is made. Then, the virtual account association work unit 220 can generate deposit guide information including a virtual account issued to the user (S660).

When the virtual account association business unit 220 requests registration of the deposit guide information to the institution virtual account core unit 230 in step S670, the institutional virtual account core unit 230 registers the deposit guide information in the virtual account distribution fund It may request the account block chain network 100 (S680).

The virtual account block chain network 100 may distribute the deposit guidance information received in operation S680 to the virtual account distribution ledger (S690).

7 is a flowchart illustrating a virtual account deposit method of a virtual account system using a block chain network according to an embodiment of the present invention.

Referring to FIG. 7, when the user makes a deposit request to the virtual account of the first financial institution (S705), the account management unit 320 of the first financial company server 300 transmits the deposit validity verification to the financial account It may request the virtual account core unit 330 (S710).

The financial institution virtual account core unit 330 may generate a validation request message and transmit the validation request message to the virtual account block chain network 100 to request validation verification in operation S715 and S720.

The virtual account block chain network 100 checks whether the virtual accounts, the deposit finishing amount and the information corresponding to the user information included in the validation request message are registered in the virtual account block chain network 100, And transmits a validation response message including the confirmation result to the first financial company server 300 (S725). In step S725, the members of the virtual account block chain network 100 compare the deposit guidance information and the validity verification request message and generate a validation verification response message only when the matching information is registered, and transmit the validation verification response message to the first financial company server 300 It is possible. Alternatively, even if they do not match, a validation response message may be generated and transmitted to the first financial institution server 300.

The financial institution virtual account core unit 330 may analyze the validation response message received from the step S725 and verify the validity of the deposit with respect to the virtual account (S730). For example, if the validation response message includes information indicating that the virtual account, the user information, and the deposit amount included in the validation request message have the same information, the financial institution virtual account core unit 330, in step S730, It can be judged that the deposit to the bank is effective.

Then, the financial institution virtual account core unit 330 may transmit a deposit validity response indicating the validity of the deposit to the account management unit 320 (S735).

The account management unit 320 analyzes the depositing validity verification response received from the step S735 and, if it is confirmed that the deposit occurred in the virtual account is valid, the account management unit 320 processes the deposit so that the amount is actually deposited into the parent account of the virtual account, (S740).

When the account management unit 320 notifies the financial account virtual account core unit 330 of the deposit details created in step S745, the financial institution virtual account core unit 330 transmits the notified payment details to the virtual account distribution (S750).

The virtual account block chain network 100 distributes the deposit details requested for registration to the virtual account distribution ledger (S755).

In addition, the institutional virtual account core unit 230 can check whether the deposit details deposited in the virtual account issued to the user are registered in the virtual account distribution ledger by accessing the virtual account block chain network 100 periodically or in real time S760). For example, in step S760, the deposit guide information generated in step S660 is compared with the deposit details registered in the virtual account distribution book, or the deposit details deposited in the virtual account of the deposit guide information generated in step S660, .

The institutional virtual account core unit 230 receives the deposit details deposited in the virtual account of the deposit guide information in step S760 and transfers the received deposit details to the virtual account association work unit 220 in steps S765 and S770.

The virtual account association work unit 220 analyzes the deposit details received from the step S770 and confirms whether the user has deposited the corresponding amount into the virtual account included in the deposit guide information and notifies the user that the deposit has been made normally according to the confirmation result have.

On the other hand, if the deposit details are not received after step S760 or the virtual account, user information, and deposit amount of the deposit guide information do not match with the deposit details received from step S765, the virtual account- The user terminal 10 may transmit a request for the payment.

Meanwhile, the virtual account issuing and depositing method of the virtual account system using the block chain network according to the present invention may be provided in a recording medium readable by a computer by tangibly embodying a program of instructions for implementing the virtual account issuing and depositing method Can be easily understood by a person skilled in the art.

That is, the virtual account issuing and depositing method of the virtual account system using the block chain network according to the present invention can be implemented in a form of a program that can be executed through various computer means and can be recorded in a computer readable recording medium, Possible recording media may include program commands, data files, data structures, etc., alone or in combination. The computer-readable recording medium may be any of various types of media such as magnetic media such as hard disks, optical media such as CD-ROMs and DVDs, and optical disks such as ROMs, RAMs, flash memories, And hardware devices specifically configured to store and execute program instructions.

Accordingly, the present invention can provide a program stored on a computer-readable recording medium, which is executed on the agency server and the financial company server, to implement a virtual account issuance and deposit method of a virtual account system using a block-chain network.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the present invention is not limited to the disclosed exemplary embodiments, but, on the contrary, It will be apparent to those skilled in the art that numerous modifications and variations can be made to the present invention without departing from the scope of the present invention. Accordingly, all such modifications and variations are intended to be included within the scope of the present invention. Accordingly, the true scope of the present invention should be determined by the technical idea of the appended claims.

10: User terminal
100: Virtual account block chain network
200 to 200 m: first to mth institution servers
300 to 300n: first to nth financial institution servers
400: Virtual Account Block Chain Management Server

Claims (12)

A virtual account block chain network for issuing virtual accounts and storing a virtual account distribution ledger composed of block chains; And
Requesting the virtual account block chain network for issuance of a virtual account for settlement of expenses, adding a virtual account issued from the virtual account block chain network, a deposit finishing amount to be deposited by the user for payment of the cost to the issued virtual account, One or more institutional servers which transmit deposit guidance information including user information at a deposit deadline and a user terminal used by a user and request registration of the deposit guidance information to a virtual account distribution ledger of the virtual account block chain network Including,
Wherein the virtual account block chain network distributes deposit guidance information transmitted from the at least one institution server to the virtual account distribution ledger,
The one or more agency servers,
An institution communication unit for communicating with the virtual account block chain network and the user terminal;
A virtual account association work unit for generating the deposit guide information including a virtual account issued to the user; And
And an institutional virtual account core unit for requesting issuance of the virtual account to the virtual account block chain network and requesting registration of the deposit guide information generated in the virtual account association business unit in the virtual account distribution ledger of the virtual account block chain network Wherein the virtual network is a virtual network. delete The method according to claim 1,
And when it is verified that the deposit made to the virtual account is valid from the deposit guide information distributed and stored in the virtual account distribution ledger when the user makes a deposit request through the virtual account, Further comprising: one or more financial server servers which process the virtual money distribution chain to make actual deposits and request registration of deposit details deposited in the virtual account distribution ledger in the virtual account block chain network,
Wherein the virtual account block chain network distributes deposit details transmitted from the one or more financial service companies to the virtual account distribution ledger,
Wherein the deposit details include the virtual account, the actual amount deposited in the parent account, the date and time of the deposit, and information about the user. The method of claim 3,
The at least one financial service server,
A financial institution communication unit for communicating with the virtual account block chain network to request registration of the deposit details in the virtual account distribution ledger;
An account management unit for requesting verification of deposit validity for a virtual account in which the deposit request has occurred and for determining whether or not actual deposit is to be made to the parent account based on the deposit validity verification response according to the deposit validity verification request; And
And a verification unit for verifying whether or not a deposit occurred in the virtual account is valid from a virtual account distribution ledger in the virtual account block chain network, and transmits a verification result to the account management unit as the deposit validity verification response And a virtual account core unit for delivering the virtual account information to the financial institution. 5. The method of claim 4,
The financial institution virtual account core unit,
Generates a validation request message including a virtual account for which the deposit request has been made, information about the user, financial company information to which the virtual account belongs, and money requested to be deposited into the virtual account, Lt; / RTI &
Wherein the validation response message received from the virtual account block chain network is analyzed to verify the validity of the deposit occurred in the virtual account. 5. The method of claim 4,
The account management unit,
If it is determined that the deposit occurred in the virtual account is valid as a result of analyzing the deposit validation response, the real account is deposited to the parent account of the virtual account, and the depositing details deposited in the parent account are notified to the financial account virtual account core In addition,
The financial institution virtual account core unit,
And requests the registration of the received deposit information to the virtual account distribution ledger of the virtual account block chain network. The method of claim 3,
The one or more agency servers,
Checking whether the deposit details for the virtual account are registered in the virtual account distribution ledger by accessing the virtual account block chain network in real time and determining whether the deposit has been normally processed based on the deposit details registered in the virtual account distribution ledger Virtual account system using block chain network. 5. The method of claim 4,
Providing a core program for executing operations of the institutional virtual account core unit and the financial institution virtual account core unit to the one or more institutional servers and one or more financial service servers, Wherein the virtual network system further comprises: (A) one or more institutional servers requesting a virtual account block chain network to issue a virtual account for settlement of costs, a virtual account issued from the virtual account block chain network, and a virtual account for which the user And transmits the generated deposit guide information to the user terminal used by the user, and the virtual account of the virtual account block chain network, the deposit account information of the virtual account block chain network, Requesting the distribution origin to register the deposit guidance information; And
(B) distributing and storing deposit guidance information transmitted from the one or more institutional servers in the virtual account distribution chain network, and distributing and storing virtual account distribution channel information . 10. The method of claim 9,
(C) When at least one financial institution server receives a deposit request from the user via the virtual account, it verifies whether or not the deposit occurred with respect to the virtual account is valid from the deposit guide information distributed and stored in the virtual account distribution ledger, Requesting registration of the deposit details deposited in the parent account in the virtual account distribution policy in the virtual account block chain network; And
(D) distributing, in the virtual account distribution chain, the deposit details transmitted from the one or more financial service companies,
Wherein the deposit details include the virtual account, the actual amount deposited in the parent account, the date and time of the deposit, and information about the user. 11. The method of claim 10,
(E) the one or more institutional servers accesses the virtual account block chain network in real time to check whether the deposit details for the virtual account are registered in the virtual account distribution ledger, and if the deposit details registered in the virtual account distribution directory Determining whether or not the payment has been normally performed based on the payment information received from the client terminal. 10. The method of claim 9,
Before the step (A)
(F) The virtual account block chain management server requests the virtual account block chain network for issuance of the virtual account, generates the deposit guide information and / or the deposit details to request registration, and deposits a deposit request to the virtual account block chain network Further comprising: providing a core program for requesting validation to the at least one institution server and at least one financial company server, and managing the core program. And deposit method.

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