KR102096642B1 - Apparatus for KYC using KYC blockchain - Google Patents

Abstract

The present invention relates to an apparatus and method for performing KYC using a blockchain. To this end, the KYC node requesting the deposit / withdrawal permission step of receiving the request for the withdrawal / withdrawal permission information for the account information and the identification information from the service server; A first indexing step in which the KYC node indexes account information or identification information in the KYC blockchain stored in the memory module of the KYC node; In the first indexing step, if the deposit / withdrawal allowance information is not already stored, the KYC node indexes the relationship account, which is the account in which the transaction was performed directly or indirectly with the account information in the public blockchain containing the account of the account information, and the relationship account. A second indexing step of generating information; A step of transmitting relationship account information, wherein the KYC node sends the relationship account information to the service server; A KYC node receiving / withdrawal allowance information receiving step of receiving / withdrawal allowance information for account information and identification information from the service server; And a blockchain recording step in which the KYC node creates and distributes a KYC transaction, which is a transaction for account information, identification information, and withdrawal allowance information to the KYC blockchain.

Description

Device for performing KYC using block proof and token holding amount in KYC blockchain {Apparatus for KYC using KYC blockchain}

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

Blockchain can be applied to various technical fields, but has been developed as a technology to realize cryptocurrency (or virtual currency) as fundraising becomes easier by ICO (Initial Coin Offering). Bitcoin, for example, is also using blockchain technology to achieve the same value as a currency even if a third party, such as a central bank, does not secure the value, unlike ordinary currencies. Prior to the invention of the blockchain, in order to create an electronic currency to replace the currency, the 'middle man', which guarantees its value or manages the transaction record of the currency, was necessary. However, with the following structure, a certain cryptocurrency can function as a real currency without a third party institution with the following structure.

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

(2) By adopting a distributed ledger structure, transaction transparency is high and double payment is difficult.

For the above reasons, cryptocurrency can secure the function as a currency. Bitcoin, Litecoin, Ripple, Etherium, Dash, Monero, and other cryptocurrencies with these properties are publicly issued. In particular, large-scale fundraising is being conducted for specific tokens through ICO (Initial Coin Offering). Although various cryptocurrencies have been issued in this way, they are divided into those that are mainly used and those that are not, due to the network effect.

In addition, various applications (Dapps) using a blockchain are being tried. For example, international remittance services such as Sentbe, Align Commerce, Moin, credit transaction services verified by Bank of America and HSBC Holdings, various financing, electricity sales services, content services such as Steemit, Streamium, and notary services such as Nem Copyright management services such as, Blockai, and commodity transaction tracking services such as Everledger, and contract management and execution services of Visa and Docusign are widely attempted.

As cryptocurrency transactions on exchanges such as Bitrex, Bithumb, and Bitfinex have expanded to the general public, and the number of cases of fundraising using ICOs has increased, KYC is used to know the identity of traders, investors, buyers, and users as in the case of existing financial transactions. (Know Your Customer) procedures began to be used.

In order for users (including traders, investors, buyers, etc.) to use various ICOs, exchanges, Dapps, etc., the execution of the KYC (Know Your Customer) procedure must always be preceded. ICO's KYC process generally proceeds as follows.

(1) The token purchaser enters the buyer information (language, name, email, contact information, cryptocurrency wallet address, quantity desired to purchase the token, and a photo of himself / herself to be able to recognize the face with an identification card) and agree to the terms and conditions

(2) The token seller decides whether to register on the White List based on the buyer information, and wants to purchase the cryptocurrency wallet address (e.g., ETH wallet address) and tokens among the buyer information of the token buyer registered on the White List. Record the quantity (for example, purchase of tokens of 100 ETH) in the smart contract of the ICO

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

(1) Citizens of countries where ICO is prohibited (for example, the United States, China, Singapore, etc.)

(2) If the information and documents required for the KYC process are not submitted

(3) Inappropriate accounts (e.g. illegal money laundering, terrorism related funds, etc.)

Tokens sent from wallet addresses that are not registered in the White List of ICO smart contracts will be returned immediately or exchange of ICO tokens will not be made.

The complex KYC process as described above is repeatedly generated every time every ICO, exchange subscription, or Dapp is used. This is a barrier to entry that allows users (token buyers, investors, Dapp users, etc.) to use the blockchain service, and also concentrates resources on the blockchain product or service itself to service providers (token sellers, exchange operators, Dapp operators, etc.) There is a problem that makes it difficult to do.

Registered patent in Korea, 10-1751025, Smart system for trading stock based blockchain, On the Co., Ltd. Republic of Korea Registered Patent, 10-1758870, Mining Rig Monitoring System and Mining Rig Monitoring Method In Using Same, On the Co., Ltd. U.S. Patent Publication, US 2016/0342989 A1, Method and system for processing blockchain-based transactions on existing payment networks, Mastercard International Incorporated U.S. Patent Publication, US 2016/0292672 A1, Systems and methods of blockchain transaction recordation, Nasdaq, Inc. U.S. Patent Publication, US 20170132615 A1, Block chain alias for person-to-person payments, Bank Of America Corporation Republic of Korea registered patent, 10-1857223, blockchain token-based user identification method and system, On the Co., Ltd.

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

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

An object of the present invention, the KYC node deposit or withdrawal permission request step of receiving a request for the withdrawal allowance information for account information and identification information in the service server; A first indexing step in which the KYC node indexes the account information or the identification information in a KYC blockchain stored in the memory module of the KYC node; In the first indexing step, if the deposit / withdrawal permission information is not stored in advance, the KYC node is an account in which a transaction is performed directly or indirectly with the account information in the public blockchain including the account information. A second indexing step of indexing and generating relationship account information; A step of transmitting relation account information, wherein the KYC node transmits the relation account information to the service server; A deposit / withdrawal information receiving step wherein the KYC node receives the deposit / withdrawal permission information for the account information and the identification information from the service server; And a block chain recording step in which the KYC node creates and distributes a transaction for the account information, the identification information, and the withdrawal allowance information on the KYC blockchain, and includes a blockchain recording step. When the deposit / withdrawal permission information is pre-stored, the KYC node transmits the pre-stored deposit / withdrawal information to the service server, and the relationship account information is the address of the relationship account, between the relationship account and the account. It can be achieved by providing a method of performing KYC using a blockchain, characterized in that it includes the transaction relationship distance information and whether to allow the deposit and withdrawal of the account.

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

Another object of the present invention, a memory module for storing the KYC program code and KYC blockchain; And a processing module for processing the KYC program code, wherein the KYC program code comprises: a deposit / withdrawal permission request step of receiving a request for deposit / withdrawal permission information for account information and identification information from a service server; A first indexing step of indexing the account information or the identification information in the KYC blockchain stored in the memory module; In the first indexing step, if the deposit / withdrawal permission information is not already stored, index and relate the relationship account, which is an account in which transactions were performed directly or indirectly with the account information in the public blockchain including the account of the account information. A second indexing step of generating account information; A step of transmitting relationship account information to transmit the relationship account information to the service server; A deposit / withdrawal permission information receiving step of receiving the deposit / withdrawal permission information for the account information and the identification information from the service server; And a block chain recording step of generating and distributing a KYC transaction, which is a transaction for the account information, the identification information, and the withdrawal allowance information on the KYC blockchain; and the program code for performing the first on the computer. In the indexing step, if the deposit / withdrawal permission information is pre-stored, the pre-stored deposit / withdrawal allowance information is transmitted to the service server, and the relationship account information is the address of the relationship account, between the relationship account and the account. It can be achieved by providing a device for performing KYC using a blockchain, characterized by including transaction relationship distance information and information on whether to allow deposit and withdrawal of the account.

Another object of the present invention, a memory module for storing the KYC program code and KYC blockchain; And a processing module for processing the KYC program code, wherein the KYC program code comprises: a deposit / withdrawal permission request step of receiving a request for deposit / withdrawal permission information for account information and identification information from a service server; A first indexing step of indexing the account information or the identification information in the KYC blockchain stored in the memory module; In the first indexing step, if the deposit / withdrawal permission information is not already stored, account information distribution that creates a new block in the KYC blockchain and distributes the account information to the entire blockchain network of the KYC blockchain step; A second indexing step of indexing a relational account that is an account in which transactions are performed directly or indirectly with the account information in a public blockchain including the account of the account information and generating relational account information; A proof step of proving the block by satisfying a specific condition for the indexed relationship account; A step of transmitting relationship account information to transmit the relationship account information to the service server; A deposit / withdrawal permission information receiving step of receiving the deposit / withdrawal permission information for the account information and the identification information from the service server; And a block chain recording step of generating and distributing a KYC transaction, which is a transaction for the account information, the identification information, and the deposit / withdrawal permission information, to the KYC blockchain. When the deposit / withdrawal permission information is pre-stored in the indexing step, the pre-stored deposit / withdrawal allowance information is transmitted to the service server. It can be achieved by providing a device for performing KYC using a blockchain, characterized in that it further comprises service account information that is information about and KYC token balance information of the service account.

As described above, according to the present invention, the following effects are obtained.

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

Second, according to an embodiment of the present invention, there is an effect that the KYC procedure can be performed by a plurality of subjects without the violation of the Personal Information Protection Act.

Third, according to an embodiment of the present invention, an effect of facilitating the verification of AML (Anti-Money Laundering), such as verification of a car name account of a user who fails to register a white list, is generated.

The following drawings attached to this specification are intended to illustrate preferred embodiments of the present invention, and to further understand the technical idea of the present invention together with the detailed description of the present invention, the present invention is limited to only those described in the drawings and is interpreted. It is not.
1 is a schematic diagram showing a system for performing KYC using a blockchain according to an embodiment of the present invention,
2 is a flowchart illustrating a method for performing KYC using a blockchain according to an embodiment of the present invention,
3 is a schematic diagram showing the structure of a KYC blockchain according to an embodiment of the present invention,
4 is a schematic diagram showing a data structure of relationship account information according to an embodiment of the present invention;
5 is a flowchart illustrating a method for performing KYC using a blockchain including a modified POW consensus method according to an embodiment of the present invention.

Hereinafter, exemplary embodiments in which a person having ordinary skill in the art to which the present invention pertains may easily implement the present invention will be described in detail with reference to the accompanying drawings. However, in the detailed description of the operation principle for the preferred embodiment of the present invention, if it is determined that a detailed description of related known functions or configurations may unnecessarily obscure the subject matter of the present invention, the detailed description will be omitted.

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

KYC execution device using blockchain

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

The service server 200 is a component such as an ICO, cryptocurrency exchange, and a web server that serves various decentralized applications (Dapps). For example, when a specific user wants to purchase a token in a specific ICO project, the user identifies information (a language, name, email, contact information, cryptocurrency wallet, etc.) on a web page output to the user's client through the service server 200 Enter the address (account information), the quantity you want to purchase the token, and your photo taken to enable face recognition with an identification card and request KYC registration (White List registration). In addition, the service server 200 may be configured to be connected to the KYC node 400 to request a transaction for the status change of specific user information to the KYC blockchain 30 or to request a query for the search of the transaction. In addition, the service server 200 may be configured to request the KYC node 400 to record the allowable deposit and withdrawal information on the KYC blockchain 30 for account information and identification information of a specific user.

The KYC node 400 means one node connected to the service server 200 among a plurality of nodes constituting the network of the KYC blockchain 30, and a specific user in the KYC blockchain 30 in the service server 200 When requesting to change the status of information, it is a configuration that sends a message transaction to the KYC blockchain 30 to create, record, and distribute the transaction. In addition, the KYC node 400 can serve as a node of the KYC blockchain 30 as well as a node among a plurality of nodes constituting the network of the public blockchain 500, and the public blockchain 500 In the above, it is possible to index a relationship account, which is an account in which transactions are performed directly or indirectly with specific account information, and generate relationship account information.

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

The blockchain distributed network means a P2P distributed network consisting of a plurality of nodes that store the distributed ledger of the blockchain, which is the same for the KYC blockchain 30 and the public blockchain 500. Since the blockchain distributed network is configured so that at least some nodes can perform the same processing, even if some nodes are shut down or falsified, it has a feature that does not affect the entire system. A node can mean any computing device connected to a blockchain distributed network. Such a node may include a digital wallet, a blockchain copy, a verification engine, a mining engine, a P2P network distribution function (broadcast), etc., and clients composed only of slightly lighter functions. The blockchain distributed network according to an embodiment of the present invention may include a Hybrid P2P including a Pure P2P and a Super Node.

Regarding the type of node, the reference client is a user's digital wallet management module, a mining module for block mining when the consensus algorithm is a proof of work (POW), Node including a blockchain database that stores all or at least a part of the entire blockchain, and a network routing module that broadcasts a transaction to a blockchain distributed network. It can mean, for example, Bitcoin Core's Client. Full node may refer to a node including a blockchain database and a network routing module. The solo miner node may mean a node including a mining module, a blockchain database, and a network routing module. A mining node may refer to a light node including a gateway router and a mining module connected to a pool mining node, which means a node of a mining pool. The Lightweight Wallet Node generally stores only the header information of the blockchain, holds the digital wallet management module to store the user's digital wallet, and includes the network routing module, but does not include the blockchain database. In order to create a transaction or access a blockchain distributed network, it may mean a light node that relies on a server owned by a third party. For the KYC blockchain 30, the KYC node 400 according to an embodiment of the present invention may mean nodes including at least a blockchain database and a network routing module among the above nodes. For the public blockchain, the KYC node 400 according to an embodiment of the present invention may mean nodes including at least a gateway router module. That is, in the KYC node 400 according to an embodiment of the present invention, the KYC blockchain 30 and the public blockchain 500 have memory modules stored therein, or at least the KYC blockchain 30 and the public blockchain 500 It can be configured to connect to other nodes stored in the memory module.

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

The processing module of the KYC node 400 is a module that processes the contents of a transaction stored in a block of a blockchain, a distributed ledger stored in a memory module. The processing module according to an embodiment of the present invention is configured with a virtual machine (VM), such as an Ethereum Virtual Machine, to be configured to process a smart contract of the KYC blockchain 30 or the public blockchain 500. have. Such a virtual machine is, for example, a runtime for executing Byte Code generated by compiling codes (smart contracts) created in high-level languages such as Mutan, LLL, Serpent, Solidity, etc., in addition to OPCODE and Stack, Memory and It is also a subject that uses storage.

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

The KYC transaction information may include service account address information, account information, identification information hash value, relationship account information, and withdrawal allowance information. When KYC transaction information is stored and executed in a block, such service account address information, account information, hash value of identification information, relationship account information, and withdrawal allowance information are included in the storage or memory of the service account. You can store it in a block in a way like that.

The public blockchain 500 refers to public blockchains such as Ethereum, EOS, and Steam, and refers to a public blockchain including an account of account information that is a user's cryptocurrency wallet address. The KYC node 400 indexes a relational account, which is an account in which transactions are performed directly or indirectly with an account address of a specific user requested from the service server 200 through a query to the public blockchain 500. The relationship account information, which is information about the relationship account according to an embodiment of the present invention, includes the address of the relationship account, transaction relationship distance information between the relationship account and the account of a specific user (eg, the account of the specific user is A, directly If the account that traded is B and B, the transaction distance information of B can be 1 and the transaction distance information of C can be 2), and information on whether to allow deposit and withdrawal of related accounts (for example, A, if the related account B is designated as a White List by the service server a, and transaction is allowed, a1, b2 if it is specified as a Black List by the service server b, and if transaction is not allowed, it can be set to 0) It may include.

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

The smart contract development environment can include a range including development tools and compilers. For example, in the case of Solidity, if you write and compile Code, all compilers output [Byte Code], [Function Signature], and [ABI].

Byte Code is the result of compiling the Smart Contract Code as described above, and when creating and distributing a Contract Creation Transaction on the Blockchain, when Message Tx (short for Transaction) to the Contract occurs, Call / Query to the Contract It runs on the KYC node (400, EVM for Ethereum) through the occurrence.

Function Signature is a 4-byte value of the SHA3 Hash value of the function name in the contract. When executing the function of the contract, the contract address is assigned to the to: address of the transaction, and the parameter value is payload with 4 bytes of this method signature to the data: part. Into.

ABI (Application Binary Interface) means an application interface described in a way that is not dependent on a specific language or platform. The ABI definition is output by the compiler or the ABI Generator, and the ABI defines the Meta Data for the functions and parameters of the Smart Contract. When creating an application based on the JavaScript language with the ABI, you can create an object and easily call the method of the object so that the contract function can be called. Currently, Ethereum supports easy creation and use of objects in ABI in JavaScript applications with web3.js, and in Go-ethereum after 1.4.0, it is possible to easily bind Smart Contract in Go Native language-based applications. It provides ABIGen that generates codes.

This Smart Contract development environment is connected to Blockchain Engine and can deliver Contract Creation / Deployment, Message Tx, Call / Query, and such Blockchain Engine means KYC node 400 according to an embodiment of the present invention, and Ethereum In the example, it means Ethereum Node such as geth, parity, and eth. After all, virtual machines such as EVM for transaction processing and contract execution related to all smart contracts are configured on the same node as the KYC node 400.

In this Smart Contract development environment, ABI can be connected to Applications. Smart Contract has only Logic and requires Application for interaction with users or external systems. Applications such as HTML + CSS + JavaScript, Application Server, Wallet, etc. are components that interact with Smart Contracts through an interface with Ethereum, for example. Smart Contract Code can be largely divided into [Creation / Deployment] [Invoke by Message] [Call]. According to an embodiment of the present invention, when a specific account address is indexed in the KYC blockchain 30, a call may be used, and when information regarding whether to allow deposit / withdrawal for a specific account address is changed, Message Tx may be used. .

How to perform KYC using blockchain

2 is a flowchart illustrating a method for performing KYC using a blockchain according to an embodiment of the present invention. As illustrated in FIG. 2, the method for performing KYC using a blockchain according to an embodiment of the present invention includes: request request for deposit / withdrawal (S10), first indexing step (S11), and second indexing step (S12b). ), Relation account information transmission step (S13), deposit and withdrawal permission information reception step (S14), may include a block chain recording step (S15).

In the deposit / withdrawal permission request step S10, the KYC node 400 receives a request for deposit / withdrawal permission information for account information and identification information for a specific user from the service server 200.

The first indexing step (S11) is a step in which the KYC node 400 indexes the account information or the identification information in the KYC blockchain 30. In step S11, the account information or identification information in which the deposit / withdrawal allowance information has been previously recorded on the blockchain is efficiently searched with less resources. When the deposit / withdrawal permission information is pre-stored in step S11, the KYC node 400 transmits pre-stored deposit / withdrawal allowance information to the service server 200 (S12a).

In the second indexing step (S12b), if the account information or the withdrawal permission information corresponding to the identification information is not stored in step S11, the KYC node 400 is a public block including the account of the account information. This is a step of indexing a relationship account, which is an account in which transactions are performed directly or indirectly with the account information in the chain 500 and generating relationship account information.

In the step S13 of transmitting the relationship account information, the KYC node 400 transmits the relationship account information to the service server 200.

In the step S14 of receiving deposit / withdrawal permission information, the KYC node 400 receives the deposit / withdrawal permission information for the account information and the identification information from the service server 200.

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

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3 is a schematic diagram showing the structure of a KYC blockchain according to an embodiment of the present invention. As shown in FIG. 3, the memory module 12 of the KYC node 400 according to an embodiment of the present invention may store all or part of the KYC blockchain 30, and each block header includes a front block header The hash value of (hash), the answer value (nonce), the hash value of the transaction group and other generated time information, Timestamp (not shown), Difficulty (not shown) for mining difficulty, and the number of blocks Block Number (not shown) may be included. Each block body (Contents) may include at least one or more transaction information (in particular, KYC transaction information according to an embodiment of the present invention). As shown in FIG. 3, in the KYC transaction according to an embodiment of the present invention, service account address information (for example, a KYC token wallet address of a specific ICO subject), which is an account address held by the service server, records whether deposit and withdrawal is allowed The specific user's account information (e.g., the Ethereum wallet address of a specific user), the hash value of the identification information (e.g., the hash value of the specific user's social security number), the address included in the account information, and Relationship account information (for example, address of the relationship account, transaction information, token volume, whether it is a direct relationship or an indirect relationship, whether it is an indirect relationship, etc.), which is information about the relationship account, which is the account in which the transaction was performed directly or indirectly, It may include information such as whether to allow the deposit and withdrawal that is input from the service server with respect to whether or not to allow the withdrawal of a specific user.

4 is a schematic diagram showing a data structure of relationship account information according to an embodiment of the present invention. As illustrated in FIG. 4, the relationship account information according to an embodiment of the present invention may include relationship account address, transaction information, relationship information, and withdrawal allowance information. The relationship account according to an embodiment of the present invention may mean an account directly or indirectly in a transaction relationship with an account address of account information that is a target of KYC. The relationship account address may mean, for example, the address of the Ethereum wallet of the relationship account. The transaction information may mean, for example, information of a transaction in a transaction relationship directly or indirectly with the account information among transactions of the related account.

The relationship information is information that means the distance between the account information and the transaction relationship, and may be classified into a direct transaction relationship and a first ... n indirect transaction relationship. The direct transaction relationship means a case in which the corresponding transaction information is transaction information in which a transaction is directly made for the account information and the relationship account information, and may be expressed as a dummy value of '0' as shown in FIG. 4, for example. In the first indirect transaction relationship, when the corresponding transaction information is transaction information in which a transaction is directly made for relationship account information different from the relationship account information in direct transaction relationship with the account information, the other indirect transaction information is the first indirect transaction with the account information. It can be defined as a relationship and can be expressed as a dummy value of '1', for example, as shown in FIG. 4. In the n-th indirect transaction relationship, when the transaction information is transaction information in which a transaction is directly made for the relationship information different from the account information in relation to the account information and the n-1 indirect transaction relationship, the other relationship account information is related to the account information. It can be defined as the nth indirect transaction relationship and expressed as a dummy value of 'n', for example.

The withdrawal allowance information is information that indicates whether or not a pre-stored deposit and withdrawal is permitted for the related account address, and can be classified into allowable withdrawal, withdrawal, and no history. For example, as shown in FIG. 4, in the case of allowing deposit and withdrawal, it may be expressed as a dummy value of '0'. It can be pre-stored or pre-set as a dummy value. In addition, according to an embodiment of the present invention, the withdrawal allowance information may include service account information requested to register it and KYC token balance information at the time of registration of the service account. According to this, when a plurality of service accounts input different withdrawal allowance information for one account information or one identification information, the allowable withdrawal allowance information is a probabilistic value based on the amount of KYC tokens held in each service account. Alternatively, an effect that is recorded in the KYC blockchain with information having a discontinuous value occurs.

If the KYC blockchain is configured separately from the public blockchain according to an embodiment of the present invention, even if KYC is performed using the KYC blockchain, the resources of the public blockchain are not used, and the transaction cost, transaction speed of the public blockchain, This has the effect of not being limited by network safety such as hard fork issues. For example, if the technical idea of the present invention is performed only with the Ethereum blockchain, which is one of the public blockchains, without using the KYC blockchain separately, enormous GAS for all transactions related to the state change of the withdrawal and withdrawal permission information There is a problem that is consumed.

In addition, since the KYC blockchain first indexes account information or identification information, the effect of not having to always index the entire transaction of the public blockchain for KYC of a specific account or specific identification information is generated.

In addition, since the KYC node indexes the relational account, which is an account that has a direct or indirect transaction relationship with the corresponding account address in the public blockchain, the possibility of illegal money laundering, such as attempting to deposit and withdraw by another account, decreases. Effect.

In addition, since the information on whether to allow deposit and withdrawal for a specific account address is recorded in a decentralized state with integrity maintained in a transaction within the KYC blockchain, the withdrawal of the withdrawal is not permitted at the request of the service server, for what reason is the withdrawal of the withdrawal, when and withdrawal This has the effect of making it accessible to various service players, such as whether it is disallowed.

[KYC Blockchain Agreement Method]

The consensus method of the KYC blockchain can be the same Proof of Work (POW) method, Proof of stake (POS) method, and Byzantine Fault Tolerance (BFT) method. However, in the KYC blockchain according to an embodiment of the present invention, by applying at least one of the modified POW and the modified POS, the problem of the existing consensus method is solved, and an effect of positively affecting the decentralization of KYC occurs. do.

In relation to the modified POW method, FIG. 5 is a flowchart illustrating a method for performing KYC using a blockchain including a modified POW consensus method according to an embodiment of the present invention. As illustrated in FIG. 5, the method for performing KYC using a blockchain including a POW consensus method according to an embodiment of the present invention is prestored in the KYC blockchain after account 11 whether account information or identification information is allowed to be deposited or withdrawn. If not, the account information distribution step (S20), a public blockchain indexing step (S21), may further include a block authentication step (S22).

In the step of distributing account information (S20), the KYC node creates a new block in the KYC blockchain, and distributes the account information to the entire KYC blockchain network so that each KYC node can competitively index the corresponding account information in the public blockchain. It is a step. According to S20, unlike the existing blockchain, whenever a request for one account information is received, a new block is formed in the KYC blockchain, and a transaction for one account information per block is recorded, so the transaction is The speed at which the settled rate (TPS) becomes very fast and the effect of simplifying the blockchain data structure occurs.

In the public blockchain indexing step (S21), each KYC node of the KYC blockchain receives the account information distributed in S20, and each KYC node indexes the relationship account, which is an account in which transactions were performed directly or indirectly with the account information in the public blockchain. This is the step of generating relationship account information.

The block proof step (S22) is a step in which a KYC node indexing a relationship account that satisfies a specific indexing condition among each KYC node is set to prove the corresponding block. Certain indexing conditions exceed or exceed certain indexing conditions, such as the number of indexed relationship accounts, the distance between the indexed relationship account and the transaction relationship of the specific account to which the KYC request is made (either direct or indirect). Can mean In addition, the most specific indexing conditions consisting of the number of relationship accounts indexed within a predetermined time after block creation, the distance between the indexed relationship account and the transaction relationship between the specific account to which KYC is requested (direct or indirect transaction), etc. It can mean whether you have achieved.

According to the modified POW method, there is an effect that enables competitive induction of indexing of relationship accounts of KYC nodes. In the existing POW method, there is no reason for KYC nodes to inject computing resources to perform relationship account indexing in the public blockchain.

In addition, according to S20 to S22, unlike the existing blockchain, an effect of probably improving the blockchain branching problem occurs. In the account information distribution step (S20) according to an embodiment of the present invention, it is possible to suppose an example in which a block chain having a different block order is generated for different KYC nodes (KYC nodes a and KYC nodes b) due to latency. have. There is a high probability that the block order of the blockchain differs for some nodes due to the latency of distribution in the blockchain. This is called a fork to ordinary engineers in the blockchain industry, and the fork has remained a serious problem that deteriorates the integrity, the biggest effect of the blockchain, in that two blockchains are randomly generated. In existing public blockchains such as Bitcoin and Ethereum, these problems have been solved by deciding which blockchain is configured longer after a certain period of time and unilaterally deleting one that is not long. The possibility that a blockchain could be composed of two or more at all times was not always a complete solution. However, according to S20 to S22 according to an embodiment of the present invention, since the probability that each node having a different order of generated blocks will prove the blocks generated by itself is kept low, the probability of fork generation is reduced. Is generated.

delete

With regard to the modified POS method, in step S14 according to an embodiment of the present invention, the deposit / withdrawal permission information may include service account information requested to register it and KYC token balance information at the time of registration of the service account. . According to this, if a plurality of service accounts input or withdrawal allowance information for one account information or one identification information, even if there is a time difference (Gap), the withdrawal allowance information is KYC of each service account Based on the amount of tokens held, it is recorded on the KYC blockchain as information having a stochastic or discontinuous value, and multiple service accounts are accounted for as a percentage of the amount of KYC tokens held at the time of block recording for one account information or one identification information. The effect is to prove the block. According to this, the hash value of the information of each service account and the ratio of the KYC token holding amount is stored in the block header, and a linked list can be configured. According to the modified POS method according to an embodiment of the present invention, an effect that is more suitable for KYC decentralization occurs than the existing POS method. According to the modified POS method, KYC tokens are configured so that more rewards are paid when service accounts that have more KYC tokens contribute to the ecosystem of the KYC blockchain by registering I / O information for specific accounts or specific identification information. There is an additional effect of increasing demand for itself. The existing POS method is a method in which each validator node acquires the right to update data in proportion to the amount of stakes currently held, and has a low relationship with KYC decentralization. In addition, according to the modified POS method, even if forking occurs with a plurality of chains, the chain that proves (holds) more KYC tokens survives, so that the fork of the chain can be quickly recovered. In addition, according to the modified POS method, a variety of opinions (whether or not allowed) are crowdsourced for a plurality of service accounts for specific account information or specific identification information.

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

[Token Reward Method]

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

With respect to the reward token KYC token generation method, according to an embodiment of the present invention, in step S10, information regarding whether a specific service server is allowed to deposit and withdraw specific account information and specific identification information of a specific user targeted for a KYC request to a specific KYC node. When requesting, it is possible to create a transaction for a specific number of KYC token status changes using the service account, which is the account of the corresponding KYC node, as a token sender. In this case, since service actors who want to perform KYC using the KYC blockchain must always purchase KYC tokens, there is an effect that a constant demand for KYC tokens is generated. Alternatively, like the existing public blockchain, KYC tokens can be generated for each block creation and verification.

With regard to the reward method of the KYC token, according to an embodiment of the present invention as the first embodiment, information regarding whether to allow deposit and withdrawal of the specific account information or specific identification information requested by the service server to the KYC blockchain in step S11 is pre-stored. If there is, it may be configured to compensate for the KYC token to the service account that has registered the withdrawal and withdrawal permission information for the specific account information or specific identification information. In this case, the effect of inducing registration of whether to allow deposit / withdrawal of specific account information or specific identification information is induced.

According to an embodiment of the present invention as a second embodiment of the reward method of the KYC token, when the relationship account is indexed in the public blockchain by the KYC node in 12B of FIG. 2 or S21 of FIG. 5, the indexed relationship account The relationship account information indexed by a specific KYC node satisfies an abnormality or exceedance of a specific indexing condition, which consists of the number of indexed relationship accounts and the distance (direct or indirect transaction) of the transaction relationship of the specific account to which KYC is requested. In this case, a method of rewarding KYC tokens to the service account of the specific KYC node may be used. In such a case, since multiple KYC nodes are competitively indexing the public blockchain, block proof and consensus method of Proof of Work (POW) is used by using the hash value of the account information related to or exceeding a specific indexing condition. The effect of being able to build is generated. That is, according to the second embodiment of the reward method of the KYC token, the indexing of the public blockchain using the computing resource is competitively performed by a plurality of KYC nodes, thereby creating an ecosystem in which the relational accounts of a specific account subject to the KYC request are sufficiently indexed. Effect. In this case, a hash value of relationship account information that is greater than or equal to a specific indexing condition is stored in the block header, so that a linked list can be constructed. As a variation of the second embodiment of the reward method of KYC tokens, the number of relationship accounts indexed within a predetermined time after block creation, the distance between the indexed relationship account and the transaction relationship between the specific account subject to the KYC request (direct or indirect) Transaction recognition) may be applied to a method of rewarding KYC tokens to a service account of a KYC node that has achieved the most specific indexing conditions, such as, and such modifications are included in the scope of the present invention.

According to an embodiment of the present invention as a third embodiment of the reward method of the KYC token, when the relationship account is indexed in the public blockchain by the KYC node in S21 of FIG. 2B or FIG. 5, the indexed relationship account For the KYC token, it can be configured to compensate the KYC token to the service account that registered the allowance of withdrawal. In this case, the effect of inducing registration of whether to allow deposit / withdrawal of specific account information or specific identification information is induced.

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

[Identification information]

The identification information according to an embodiment of the present invention may mean a hash value such as a resident number, name, facial data, UUID, etc. input by a user or a service entity to the service server. It can be recorded in the KYC blockchain so that individuals cannot be identified by storing the Hash value. According to an embodiment of the present invention, when the UUID is recorded on the KYC blockchain as identification information, the effect of enabling blacklist management for users who operate multiple accounts on the same device is also generated.

When facial data is recorded on the KYC blockchain as identification information according to an embodiment of the present invention, a specific landmark is extracted for a facial image with a standardized standard after pre-processing at a KYC node to extract relationship information between landmarks And, it can be configured to record the Hash value of the extracted landmark information as identification information in the KYC blockchain. According to this, it is possible for the KYC node to index facial data, but also to protect personal information. The relationship information between landmarks may mean, for example, a ratio of the distance between the pupil and the pupil and the width of the face.

According to an embodiment of the present invention, decentralization of KYC becomes possible, and even if separate players do not perform the KYC authentication business, account information, identification information, and deposit / withdrawal permission information for multiple users are accumulated. . At this time, if a blockchain is not used as in one embodiment of the present invention, a problem of personal information, a problem of server mirroring, a problem of trust, and a problem of information collection are generated.

According to an embodiment of the present invention, for example, if a US citizen named a who cannot participate in an ICO due to legal issues attempts to participate in an ICO called A, a is recorded in the KYC blockchain by the A service account without allowing deposits and withdrawals. , a may create another account and try to participate in the ICO named A under the name b. In the conventional method, there was a problem that could not prevent such a borrowing account of a, name lending. However, according to an embodiment of the present invention, the A service server performs a request for information on whether to allow deposit and withdrawal of b through the KYC node (S10). The KYC node indexes the relational account in the public blockchain for the account information of b, thereby discovering the relationship with account a (S12b, S21), and in the A service server, the information that account a is the account of account b is KYC It is received through the node (S13). Subsequently, the A service server processes the disallowance of deposit and withdrawal of the account b, and records the disallowance of the withdrawal of the account b to the KYC blockchain through the KYC node (S14, S15).

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

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

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

Portions of this description describe embodiments of the invention regarding symbolic representations and algorithms of operations. These algorithmic descriptions and representations are generally used by those skilled in the data processing arts to effectively convey the core of their work to others skilled in the art. These operations are described functionally, operationally, or logically, but are understood to be implemented by computers or equivalent electrical circuits, microcode, and the like. Furthermore, it also proves convenient, sometimes without loss of generality, to indicate the arrangement of this operation as a module. The operations described above and their associated modules can be implemented in software, firmware, hardware, or any combination thereof.

Any steps, operations, or processes described herein may be performed or implemented alone or in combination with other devices in conjunction with one or more hardware or software modules. In one embodiment, the software module is implemented with a computer program product consisting of a computer-readable medium comprising computer program code, the computer program code for performing any or all of the processes, steps, or operations described It can be executed by a computer processor.

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

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

Therefore, the scope of the invention is not limited by the detailed description, but by any claims in the application based thereon. Accordingly, the disclosure of the embodiments of the present invention is exemplary and does not limit the scope of the present invention as set forth in the claims below.

30: KYC blockchain
200: service server
400: KYC node
500: public blockchain

Claims (1)

Stores the KYC (Know Your Customer) blockchain that records account information for a specific account and whether to allow deposit and withdrawal for the specific account, and at least a part of the blockchain distribution network of the KYC blockchain In the KYC performing apparatus using the KYC blockchain, comprising:
A memory module that stores a KYC program code and the KYC blockchain; And
A processing module for processing the KYC program code;
Including,
The KYC program code,
A deposit / withdrawal permission request step of receiving a request for the deposit / withdrawal permission information corresponding to the account information of the specific account from a service server;
The KYC blockchain stored in the memory module indexes the deposit / withdrawal permission information corresponding to the account information, and when the deposit / withdrawal permission information is pre-stored in the KYC blockchain, the deposit / withdrawal pre-stored to the service server A first indexing step of transmitting permission information;
Distributing account information to create a new block in the KYC blockchain and distribute the account information to the blockchain distributed network of the KYC blockchain when the information regarding whether the deposit and withdrawal is allowed is not stored in the first indexing step. step;
A second indexing step of indexing a relational account that is an account in which transactions are performed directly or indirectly with the account information in a public blockchain including the account of the account information and generating relational account information;
A block proof step of recording in the KYC blockchain as a service account, which is an account of the KYC execution device, as proving the new block of the KYC blockchain, when a specific indexing condition for the relationship account information is satisfied;
A step of transmitting relationship account information to transmit the relationship account information to the service server;
A step of receiving deposit / withdrawal information, wherein the deposit / withdrawal permission information corresponding to the account information is received from the service server; And
A block chain recording step of creating and distributing a KYC transaction, which is a transaction for the account information and the withdrawal and withdrawal permission information, on the KYC blockchain;
It contains the program code to run on the computer,
In the step of receiving the deposit / withdrawal permission information, the deposit / withdrawal permission information further includes service account information, which is information of the service account, and KYC token balance information of the service account, and the deposit / withdrawal permission information is the service account It is recorded on the KYC blockchain by taking the KYC token holding information of the weight as a weight,
The specific indexing condition is a condition based on the number of the indexed relationship accounts or the distance between the indexed relationship accounts and the transaction relationship between the specific accounts,
A device for performing KYC using block proof and token holdings in the KYC blockchain.

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