KR102073838B1 - Dues Escrow System and Method thereof - Google Patents

Abstract

The present invention relates to a membership fee escrow system and a method thereof. According to the present invention, the withdrawal function of a saving account for the purpose of common membership fee management is normally disabled, and then, if withdrawal is required due to a predetermined purpose, a withdrawal permission request is sent to members through an installed application, and the withdrawal function is enabled only when members corresponding to a ratio of a threshold value have approved with electronic signature through a blockchain-based certificate included in the application. According to the present invention, the membership fee escrow system includes: a financial server connected to an Internet network to perform Internet banking by opening a management account; and a membership fee escrow server delivering a withdrawal permission request to member terminals when a manager terminal requests the withdrawal of the management account opened by the financial server, and then, enabling withdrawal by temporarily releasing the locked withdrawal function only when members corresponding to a ratio of a threshold value have approved with electronic signature through a blockchain-based certificate included in the application.

Description

Dues escrow system and method

The present invention relates to a joint dues management system and method, and more particularly, to a dues escrow system and method for preventing private use of joint dues using blockchain technology.

Many people now participate in various types of gatherings, such as communities, reunions, and social groups on the Internet, and pay a certain amount of dues for their activities.

The fees paid in this way are managed and managed by the account manager in charge of the meeting, such as the representative or the secretary.However, each member does not manage and participate in the operation of the funds. Often they cause huge disruptions to operations.

Therefore, in the case of a group in which money management is particularly important, in order to prevent a person who manages money arbitrarily disposing of them, a number of seals are sealed in an account or an account is opened under a common name. However, the funds manager can use the funds arbitrarily when the bank account is reissued and traded by reporting the loss of the account or reporting the change of the transaction seal, etc. Therefore, there is a problem that the transparency of the money management is not very high for the members.

On the other hand, in the case of the method of approval by the company's internal payment system, the culprit with the organization of order is adopted and controlled by enterprise ERP (Enterprise Resource Planning) in the office automation level. There is a problem that can not be applied to socializing and personal groups.

In addition, recently, in order to solve the inconvenience of depositing and withdrawing funds through financial institutions with bankbooks and stamps, funds are transferred and managed through the Internet so that financial transactions can be made even without a bankbook and stamps. Therefore, there is a problem that can not control the money management only by controlling the passbook and seal.

On the other hand, as in the case of a credit card, there is a system that notifies a transaction occurrence by mobile phone or e-mail when a transaction occurs, but the members of the group cannot request the transaction itself or send the transaction to all members. In addition, due to limitations in current legislation, other than the holder of the account holder, other financial information, such as transaction details, cannot be informed, so that the transaction details cannot be known unless the fund manager informs the transaction details.

The present invention, in order to solve such a problem, usually prevents the withdrawal function of the bank account for the purpose of joint dues management, if withdrawal is required for a predetermined purpose, sending a request for withdrawal permission to the members through the installed app To provide a dues escrow system and method for unlocking the withdrawal by making the withdrawal lockable in a timely manner, only when the member approves the electronic signature through the blockchain-based certificate included in the app at the ratio of the threshold value. It is done.

It is an object of the present invention to provide a dues escrow system and method for preventing the private use of joint dues using blockchain technology.

The objects of the present invention are not limited to the above-mentioned objects, and other objects and advantages of the present invention which are not mentioned above can be understood by the following description, and will be more clearly understood by the embodiments of the present invention. Also, it will be readily appreciated that the objects and advantages of the present invention may be realized by the means and combinations thereof indicated in the claims.

In order to achieve the above object, the dues escrow system of the present invention, in order to open the operating account to perform the Internet banking, the financial server connected to the Internet network, and withdrawal of the operating account opened in the financial server request from the secretary terminal When the withdrawal permission request is transmitted to the member terminal, and at the rate of the threshold value, the withdrawal lock can be unlocked with a temporary ratio only when the member approves the electronic signature through the blockchain-based certificate included in the app. Includes dues escrow server.

In addition, the membership fee escrow server is characterized in that it is issued a blockchain-based certificate when registering the membership of the secretary terminal and the member terminal installed in the app.

The certificate also includes a record of all of the history of operating account usage.

In addition, the dues escrow server is an interface unit for receiving or outputting the withdrawal information of a predetermined operating account in conjunction with, when connected through the app installed in the general secretary terminal or the member terminal, and delivered to the member terminal based on the interface unit A message processing unit which generates a withdrawal permission request message and a withdrawal message, delivers the push notification to the member terminal as a push notification, generates a response message output to the general secretary terminal, and transmits the response message to the general secretary terminal and the member terminal as a push notification; When the withdrawal permission approval request message corresponding to the withdrawal permission request message requested by the general secretary terminal is input, an authentication management unit for verifying a member by verifying a digitally signed certificate by fingerprint authentication or a PIN number input method; Depending on the use of the operating account of the terminal A blockchain sharing unit that manages all history records, generates a certificate including the history records, and shares them with the general affairs terminal and the member terminals, and the number of members who have approved the withdrawal permission among the members verified by the authentication management unit is greater than or equal to a threshold value. If it is above the threshold value, the requirements management unit delivers the requirements confirmation information to the smart contract execution unit, and if the requirements confirmation information is transmitted from the requirements management unit, the secretary is applied by applying the smart contract technology of the blockchain. It includes a smart contract execution unit to enable the withdrawal by unlocking the withdrawal lock of the operating account through the terminal.

In addition, the authentication management unit checks whether the member through the unique number of the member terminal, characterized in that verifying the identity of the member through the electronic signature.

The requirement management unit may set the release of the withdrawal lock executed in the smart contract execution unit to be released only for a predetermined time.

In addition, the smart contract execution unit is characterized in that withdrawal is locked by withdrawal lock the operating account when the time limit set in advance in the requirement management unit is completed.

In order to achieve the above object, the dues escrow method of the present invention, (A) dues escrow server receives the operating account withdrawal request information established in the financial server from the general secretary terminal based on the interface unit, the general secretary to all member terminals Delivering a withdrawal permission request message requested by the terminal; and (B) when an approval button corresponding to the withdrawal permission request message is clicked on the member terminal, a blockchain-based electronic signature signed by fingerprint authentication or PIN number input method. (C) verifying a member based on a digitally signed certificate by the fingerprint authentication or PIN number input method; and (D) permitting the withdrawal of members verified through the requirements management unit. If the number of approved members is over the threshold, the requirement confirmation information is sent to the smart contract execution unit. (E) when the requirement confirmation information is transmitted, applying a smart contract technology of the blockchain to unlock the withdrawal of the operating account through the general secretary terminal so that withdrawal is possible; (F) generating a withdrawal message including the amount of money and withdrawal contents (purpose) withdrawn from the operating account to the member terminal through a message processing unit, and forwarding to the member terminal as a push notification.

In addition, the withdrawal permission request message of the (A) step is requested through the app for the dues escrow service installed in the general secretary terminal, generated by including the information according to the amount and the purpose of withdrawal through the message processing unit and push notification It characterized in that the transfer to the member terminal.

The certificate also includes a record of all of the history of operating account usage.

In addition, the step (E) generates a response message output to the general secretary terminal based on the interface unit through a message processing unit, and delivers to the general secretary terminal and the member terminal as a push notification.

In addition, setting a time limit so that the release of the withdrawal lock can be released only for a predetermined time period through the requirement management unit, and withdraws and locks the withdrawal lock of the operating account again when the preset time limit is completed. Further comprising making this impossible.

According to the present invention as described above, the dues escrow system and method of the present invention can improve the reliability of the members through a deposit account that can technically prevent the private use of the joint dues.

This will allow members to rely on the use of dues by their secretaries / accounting, allowing them to transfer money with greater security than they currently do.

In addition, banks that provide fellowship operating accounts can gain higher customer confidence.

In addition to the effects described above, the specific effects of the present invention will be described together with the following description of specifics for carrying out the invention.

1 is a block diagram showing the overall configuration of a dues escrow system according to an embodiment of the present invention
2 is a block diagram showing in detail the configuration of the dues escrow server in FIG.
3 is a flowchart illustrating a dues escrow method according to an embodiment of the present invention;

The above objects, features, and advantages will be described in detail with reference to the accompanying drawings, and thus, those skilled in the art may easily implement the technical idea of the present invention. In describing the present invention, when it is determined that the detailed description of the known technology related to the present invention may unnecessarily obscure the gist of the present invention, the detailed description will be omitted. Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. In the drawings, the same reference numerals are used to indicate the same or similar components.

Hereinafter, a dues escrow system and a method thereof according to a preferred embodiment of the present invention will be described in detail with reference to the drawings.

1 is a block diagram showing the overall configuration of a dues escrow system according to an embodiment of the present invention. 2 is a block diagram showing in detail the configuration of the dues escrow server in FIG.

As shown in Figure 1, the dues escrow system of the present invention is established in the financial server 100 connected to the Internet network and the financial server 100 used to operate the community to open the operating account to perform the Internet banking When the withdrawal of the operation account is requested from the general secretary terminal 300, the withdrawal permission request is transmitted to the member terminal 400 through the installed app, and at a ratio of the threshold value, the member receives the blockchain-based certificate included in the app. Only when approved through the electronic signature through the membership fee escrow server 200 to release the withdrawal lock in time to enable withdrawal.

At this time, the financial server 100 must perform a procedure for a general Internet banking transaction, such as a certificate and security card for the Internet banking transaction.

In addition, the financial server 100 is an application for the opening of the operating account according to the present invention to the account opening system by at least one member belonging to a predetermined club (or community or club or cafe, etc.) through a predetermined operating account opening interface If the information is provided, a predetermined operating account for the club can be opened based on the provided application information. At this time, with respect to opening an account for opening an operating account, those skilled in the art may infer various implementation methods, and the present invention includes all implementation methods inferred. That is, the present invention is not characterized in opening an operating account, but in operating an opened operating account.

General affairs terminal 300 and the member terminal 400 is an app for the dues escrow service is installed, the dues escrow server 200 is a blockchain-based certificate at the time of membership registration of the application-installed general affairs terminal 300 and member terminal 400 Issue a. The blockchain-based certificate that is issued at this time is received with the approval request through the app, is transferred with the approval permission and used for member authentication.

As shown in FIG. 2, the dues escrow server 200 includes an interface unit 210, a message processing unit 220, an authentication management unit 230, a blockchain sharing unit 240, a requirement management unit 250, and a smart controller. And a track execution unit 260.

The interface unit 210 receives (or selects) or outputs withdrawal information of a predetermined operating account in connection with an application installed in the general affairs terminal 300 and the member terminal 400.

Dues escrow server 200 receives the operation account withdrawal request information from the general affairs terminal 300 based on the interface unit 210, and also inputs the blockchain-based certificate included in the app electronically signed from the member terminal 400 Receive. In addition, dues escrow server 200 based on the interface unit 210 to the secretary terminal 300 to release the withdrawal lock corresponding to the request for withdrawal of the operating account in a timely manner to output a withdrawable response message, and also the member terminal 400 Outputs a withdrawal permission request message requested by the general affairs terminal 300. In addition, dues escrow server 200 outputs a withdrawal message including the amount and withdrawal information withdrawn from the operating account to the member terminal (400).

The message processing unit 220 generates a withdrawal permission request message and a withdrawal message transmitted to the member terminal 400 based on the interface unit 210, and transmits the withdrawal permission request message and the withdrawal message to the member terminal 400 as a push notification. In addition, the message processing unit 220 generates a response message output to the general affairs terminal 300 based on the interface unit 210, and transmits the response message to the general affairs terminal 300 and the member terminal 400 as a push notification.

When the withdrawal permission approval request message corresponding to the withdrawal permission request message requested by the general affairs terminal 300 is input, the authentication manager 230 verifies a member by verifying a digitally signed certificate by a fingerprint authentication or a PIN number input method. At this time, the membership number can be confirmed through the unique number (telephone number, etc.) of the member terminal 400, and the member can be verified through the electronic signature.

The blockchain sharing unit 240 manages all history records according to the use of the operating account of the general affairs terminal 300 and the member terminal 400, and generates a certificate including the history records to generate the certificate of the general affairs terminal 300 and the member terminal ( 400) and so on. Forgery due to member verification is not possible because member verification is performed by the authentication management unit 230 through a certificate including a history record shared by the blockchain sharing unit 240.

The requirement manager 250 checks whether the number of members verified by the authentication manager 230 who has approved the withdrawal permission is greater than or equal to the threshold value. The requirement management unit 250 transmits the requirement confirmation information to the smart contract execution unit 260 when the number of approved members is greater than or equal to the threshold value. At this time, the threshold value may set 50% of the total number of members. That is, when the approved number of members is 50% or more of the total number of members, the requirements confirmation information is transmitted to the smart contract execution unit 260. In addition, the requirement manager 250 may set a time limit so that the withdrawal lock executed by the smart contract execution unit 260 can be released only for a predetermined time. As an example, the time limit is set to 4 hours.

The smart contract execution unit 260 unlocks the withdrawal of the operating account through the general affairs terminal 300 by applying the smart contract technology of the blockchain when requirement confirmation information is transmitted from the requirement management unit 250. To withdraw money. In addition, the smart contract execution unit 260 locks the withdrawal of the operating account again when the time limit set in advance in the requirement management unit 250 is impossible to withdraw.

In this case, the smart contract technology of the blockchain is a function to automatically perform a predefined action without human involvement in accordance with certain conditions, in the case of the present invention, the secretary requests members to approve unlocking In addition, a smart contract can be implemented through a series of procedures for instructing the unlocking of an operating account when the number of approvals corresponding to a threshold value is reached among all members.

The operation of the dues escrow system according to the present invention configured as described above will be described in detail with reference to the accompanying drawings. The same reference numerals as FIG. 1 or FIG. 2 refer to the same members performing the same functions.

3 is a flowchart illustrating a dues escrow method according to an embodiment of the present invention.

Referring to FIG. 3, first, a representative and a fund manager for opening a community open an access type bank account to be used by the community in the financial server 100 according to the procedure defined by the current real name law (S10). At this time, a group name may be additionally listed along with the name of the account holder.

Subsequently, the dues escrow server 200 receives the operation account withdrawal request information from the general affairs terminal 300 based on the interface unit 210, and withdraws permission request message requested from the general affairs terminal 300 to all member terminals 400. It passes (S20).

At this time, the withdrawal permission request message is requested through the app for dues escrow service installed in the general secretary terminal (300). In addition, the withdrawal permission request message is generated by including the information according to the amount and the purpose of withdrawal through the message processing unit 220 is delivered to the member terminal 400 as a push notification.

As such, when a withdrawal permission request message is received by the member terminal 400, the member is required to withdraw the amount included in the withdrawal permission request message received through the app for the dues escrow service installed in the member terminal 400 and the purpose of withdrawal. The information corresponding to the confirmation will be confirmed. If the member determines that the confirmed withdrawal permission request is appropriate, the member clicks the approval button through the member terminal.

When the approval button is clicked on the member terminal 400 (S30), the certificate is electronically signed by the fingerprint authentication or PIN number input method, and is transferred to the membership fee escrow server 200 together with the 'approval' data (S40).

In this case, the certificate is provided by the blockchain sharing unit 240 when the membership registration to the dues escrow server 200 through the member terminal 400 installed in the app. In addition, the blockchain sharing unit 240 records and shares all the certificates according to the use of the operating account of the member terminal 400. As described above, since the authentication management unit 230 performs member verification through a blockchain-based certificate including a history record shared by the blockchain sharing unit 240, forgery due to member verification is impossible.

That is, when the withdrawal permission approval request message corresponding to the withdrawal permission request message requested by the general affairs terminal 300 is input, the authentication manager 230 verifies the member based on a digitally signed certificate by a fingerprint authentication or a PIN number input method. (S50). At this time, the membership number can be confirmed through the unique number (telephone number, etc.) of the member terminal 400, and the member can be verified through the electronic signature.

The escrow server 200 checks whether the number of members who have approved the withdrawal permission among the verified members through the requirement management unit 250 is greater than or equal to the threshold value, and if the number of approved members is greater than or equal to the threshold value, the smart contract execution unit 260. The requirements confirmation information is transmitted to (S60).

At this time, the threshold value may set 50% of the total number of members. That is, when the approved number of members is 50% or more of the total number of members, the requirements information is sent to the smart contract execution unit 260.

Subsequently, the membership fee escrow server 200 unlocks the withdrawal of the operating account through the general affairs terminal 300 by applying the smart contract technology of the blockchain when requirement confirmation information is transmitted from the requirement management unit 250. It is possible to withdraw money (S70). At this time, the message processor 220 generates a response message output to the general secretary terminal 300 based on the interface unit 210, and transmits the response message to the general secretary terminal 300 and the member terminal 400 as a push notification.

Meanwhile, the requirement manager 250 may set a time limit to release the withdrawal lock executed by the smart contract execution unit 260 only for a predetermined time.

And when the time limit set in advance in the requirements management unit 250 is completed, the withdrawal lock release of the operating account locks the withdrawal again so that withdrawal is impossible (S90).

Dues escrow server 200 generates a withdrawal message including the amount and withdrawal contents (purpose) withdrawn from the operating account to the member terminal 400 through the message processing unit 220, to the member terminal 400 as a push notification Transfer (S100).

Through this dues escrow method, the operating account can temporarily withdraw the membership of the joint dues management account only with the approval of a certain percentage of the members using the blockchain authentication function and smart contract function (automatically close when certain conditions are met). can do.

The present invention described above is capable of various substitutions, modifications, and changes without departing from the spirit of the present invention for those skilled in the art to which the present invention pertains. It is not limited by.

100: financial server 200: dues escrow server
210: interface unit 220: message processing unit
230: authentication management unit 240: blockchain sharing unit
250: requirements management unit 260: smart contract execution unit
300: General Affairs Terminal 400: Member Terminal

Claims (12)

A financial server connected to the Internet network to open an operating account and perform Internet banking; And
When the withdrawal of the operating account opened on the financial server is requested from the general secretary terminal, the withdrawal permission request is transmitted to the member terminal, and the block chain-based certificate included in the app recorded by the member in the member terminal at a ratio of the threshold value. Includes a dues escrow server that unlocks the withdrawal timely to allow withdrawal only if approved by electronic signature,
The dues escrow server
An interface unit for receiving or outputting withdrawal information of a predetermined operating account in connection with an application installed in the general affairs terminal or the member terminal,
Generate a withdrawal permission request message and a withdrawal message delivered to the member terminal based on the interface unit, deliver the withdrawal permission request message and the withdrawal message to the member terminal as a push notification, generate a response message output to the general secretary terminal, and generate a push notification with the general secretary terminal and A message processing unit delivered to the member terminal;
When the withdrawal permission approval request message corresponding to the withdrawal permission request message requested by the general secretary terminal is input, an authentication management unit for verifying a member by verifying a digitally signed certificate by fingerprint authentication or PIN number input method;
A blockchain sharing unit for managing all history records according to the use of operating accounts of the general affairs terminal and the member terminal, generating a certificate including the history records, and sharing them with the general affairs terminal and the member terminal;
Check whether the number of members who have approved the withdrawal permission among the verified members in the authentication management unit is greater than or equal to the threshold value, and if the threshold value is greater than or equal to the threshold value, transfer the requirement confirmation information to the smart contract execution unit, and lock the withdrawal executed by the smart contract execution unit. A requirement management unit to set the release of the user to be released only for a predetermined period of time, and withdraw the lock of the operating account again when the preset time limit is completed;
When the requirement management information is transmitted from the requirements management unit, by applying the smart contract (smart contract) technology of the blockchain includes a smart contract execution unit for unlocking the withdrawal of the operating account through the secretary terminal to enable withdrawal; ,
The certificate is a dues escrow system including all historical records of the use of the operating account.
According to claim 1,
The dues escrow server is a dues escrow system, characterized in that issuing a blockchain-based certificate when the membership of the app installed secretary terminal and member terminal.
delete delete According to claim 1,
The authentication management unit checks whether the member through the unique number of the member terminal, the membership fee escrow system characterized in that verifying the identity of the member through the electronic signature.
delete delete (A) the dues escrow server receives the operation account withdrawal request information established in the financial server from the general secretary terminal based on the interface unit, and transmits the withdrawal permission request message requested by the general secretary terminal to all member terminals;
(B) when the approval button corresponding to the withdrawal permission request message is clicked on the member terminal, acknowledgment data is transmitted along with a blockchain-based certificate electronically signed by fingerprint authentication or PIN number input method;
(C) verifying a member based on the digitally signed certificate by the fingerprint authentication or PIN number input method;
(D) transmitting the requirement confirmation information to the smart contract execution unit when the number of members who have approved the withdrawal permission among the verified members through the requirement management unit is greater than or equal to the threshold value;
(E) when the requirement confirmation information is transmitted, by applying a smart contract technology of the blockchain to unlock the withdrawal of the operating account through the secretary terminal to withdraw money; And
(F) generating a withdrawal message including the amount of money and withdrawal contents (purpose) withdrawn from the operating account to the member terminal through a message processing unit, and forwarding to the member terminal as a push notification;
(G) setting a time limit so that the withdrawal lock can be released only for a predetermined time period through the requirement management unit; And
(H) when the preset time limit is completed, withdrawing the withdrawal lock of the withdrawal lock of the operating account again, making it impossible to withdraw;
The certificate is a dues escrow method including all historical records of the use of the operating account.
The method of claim 8,
The withdrawal permission request message of the step (A) is requested through the app for the dues escrow service installed in the general secretary terminal, generated by including the information according to the amount and the purpose of withdrawal through the message processing unit to the push notification Dues escrow method characterized in that delivered to the member terminal.
delete The method of claim 8,
The step (E) is a dues escrow method characterized in that for generating a response message output to the secretary terminal based on the interface unit through a message processing unit, and transmits to the secretary terminal and the member terminal as a push notification.


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