KR102431546B1 - Financial transaction system and method thereof - Google Patents

Abstract

The present invention relates to a financial transaction system and a method therefor. In the present invention, an identity authentication system for performing identity authentication of a financial trader; a financial transaction management computer communicatively connected to the identity authentication system and receiving the financial transaction details of the financial trader to complete the financial transaction of the financial transaction; and an artificial intelligence computer that is communicatively connected to the identity authentication system and the financial transaction management computer and supports the financial transaction management computer to perform financial transaction completion; The identity authentication system receives the personal information of the financial trader and at least one related person information, and based on the consistency of the information of at least one related party that confirms that the financial trader is the same person provided by the artificial intelligence computer and the consistency of its own data The identity of the financial trader is verified and the identity of the financial trader is authenticated, and the financial transaction management computer receives the financial transaction details input by the financial trader who has been authenticated by the identity authentication system, and the artificial intelligence computer provides A financial transaction system, characterized in that receiving information on a plurality of non-related persons not related to the financial trader, and receiving information on approval of the financial transaction of the financial trader from the non-related persons to complete the financial transaction of the financial trader and methods thereof.

Description

Financial transaction system and method thereof

The present invention relates to a financial transaction system and a method therefor. In more detail, identity authentication of those who perform financial transactions such as money transfer is performed through identity confirmation of related parties. A financial transaction system that approves the transaction of the financial transaction requester based on transaction approval data by a large number of non-related persons unrelated to the financial transaction requester, prevents fraudulent use of identity authentication, secures financial transactions, and enables rapid transaction execution and methods thereof.

Recently, financial transactions through decentralization are attempted by sharing the transaction ledger by block chain, but they have not been commercialized due to limitations in their use in actual transactions. The reason is that, in order to add new blocks in the block chain, cryptographic verification procedures of all blocks are required, so it is not suitable for business fields that require fast transactions. In order for the transaction ledger sharing method by the block chain to be commercialized, a constant speed must be guaranteed in response to the increase in the number of users. Because it is slower than a database (expensive cost and slow speed), it has limitations in terms of scalability. In addition, the mining operation becomes the exclusive property of a certain minority group, resulting in equipment competition and enormous energy wastage, and is becoming a social problem due to the unhealthy use of cryptocurrency. And although transparency is pursued by sharing the ledger, there are problems such as exposure of privacy and trade secrets. Lastly, the blockchain relies on encryption technology, and for this purpose, the algorithm SHA-256 hash cipher is used.

In relation to transactions using blockchain, the invention of a blockchain-based user-defined currency transaction system of Republic of Korea Patent Publication No. 10-2018-0113143 (published date: October 15, 2018) is disclosed.

The disclosed invention configures a peer-to-peer (P2P) based blockchain network, distributes and manages blockchain data in which a plurality of blocks are connected in a chain form, and uses the blockchain data based on virtual currency. a plurality of blockchain nodes that record transaction data for the defined user-defined currency and a service providing server that provides a transaction service for the user-defined currency by interworking with the block chain network; Configures a peer-to-peer (P2P) based blockchain network, distributes and manages blockchain data in which multiple blocks are connected in a chain form, and uses the blockchain data to define a user-defined currency based on virtual currency a plurality of blockchain nodes that record transaction data for and a service providing server that interworks with the block chain network to provide a transaction service for the user-defined currency, wherein the transaction data includes information on the first amount of money of the user-defined currency to be traded and the virtual currency to be traded. It is an invention related to a user-defined currency transaction system based on a block chain, characterized in that it includes information about the second amount of money.

In addition, the invention of the blockchain-based real-time transaction processing method and the system of Republic of Korea Patent Publication No. 10-2018-0113145 (published: October 15, 2018) is disclosed.

The disclosed invention is a blockchain-based real-time transaction processing method performed by a blockchain-based transaction processing system including a plurality of blockchain nodes constituting a blockchain network and a service providing server, wherein the service is provided The server, in response to receiving the request for processing the target transaction from the payer's terminal, transmits the processing request of the target transaction to a first blockchain node among the plurality of blockchain nodes, and from the first blockchain node to the target transaction performing a first process of obtaining a result of validation of the transaction; when the target transaction is valid, the service providing server causes the electronic money to be transferred from the payer's electronic wallet to the payee's electronic wallet according to the target transaction performing a second process, and a third process in which a second blockchain node among the plurality of blockchain nodes records data about the target transaction in a new block and propagates the new block on the blockchain network It may include the step of performing In this case, the second process and the third process may be processed in parallel.

However, the disclosed inventions do not solve the security problem in the identity authentication of the transaction parties, but also perform validation using the private key or permission key to approve the transaction details of the transaction parties, There is a problem in that security problems such as private key or permission key cannot be solved, and there is a problem in that it cannot solve the problems of fast transaction and anonymity, which are problems of using the existing block chain.

Therefore, in the financial transaction, there is no error in the approval of the identity authentication by verifying the identity of the parties involved in the identification of the transaction party, and the approval of the transaction by the transaction party is approved by a large number of non-related persons who are not related to the transaction party. It is desired for an invention related to a financial transaction system and method in which financial transactions are approved only after receiving the approval, and transactions can be performed quickly and in parallel.

Republic of Korea Patent Publication No. 10-2018-0113143 (published on October 15, 2018) Korean Patent Publication No. 10-2018-0113145 (published on October 15, 2018)

The present invention is to solve the problems of the conventional identity authentication means, and an object of the present invention is to perform the identity authentication of the transaction party based on the identification of related persons in making a financial transaction, without performing repeated actions every time authentication is performed. It can be done quickly and easily, and when conducting a financial transaction of the transaction parties whose identity authentication is approved, the transaction is approved based on the transaction approval of a number of non-related persons not related to the transaction party, and the transaction result is An object of the present invention is to provide a financial transaction system and method for distributing and storing in a related party terminal and a financial transaction management computer.

As a technical solution for achieving the object of the present invention, as a first aspect of the present invention, personal information of a financial trader who intends to make a financial transaction using the system of the present invention, user terminal information, and account information of the financial trader are stored. Manage identification information including, etc., manage non-related group information including a plurality of non-related information not related to the financial trader, and obtain transaction approval information of the non-related group according to the financial transaction request of the financial trader. a financial transaction management computer that receives and manages financial transactions between the financial traders; a financial transaction information storage computer that is communicatively connected to the financial transaction management computer or is included in the financial transaction management computer and stores data necessary for the financial transaction management of the financial transaction management computer; an artificial intelligence computer communicating with the financial transaction management computer and providing resources necessary for approval of the financial transaction of the financial trader; at least one financial institution computer that is connected to the financial transaction management computer and performs a financial transaction approved by the financial trader; an identity authentication system for approving the identity authentication of the financial trader based on identity confirmation information of at least one related person of the financial trader; a financial transaction terminal used by the financial trader for receiving identity authentication approval from the identity authentication system, accessing the financial transaction management computer, performing a financial transaction, and receiving financial transaction approval from the financial transaction management computer; a plurality of unrelated terminals used by a plurality of unrelated persons unrelated to the financial trader to receive the request from the financial transaction management computer and provide financial transaction approval information of the financial trader;

the resource provided by the artificial intelligence computer to the financial transaction management computer is information of non-related persons who are not related to the financial transaction among members of the identity authentication system;

A financial transaction is performed with a counterparty in a financial transaction terminal used by a financial trader whose identity authentication is approved through the identity authentication system, and the financial transaction management computer receives the financial transaction information of the financial transaction to confirm the intention to make a financial transaction, and the transaction information of the financial trader to the terminal of a plurality of selected non-related persons who are not related to the financial trader or a plurality of non-related persons of the financial trader selected by the artificial intelligence computer Provided is a financial transaction system characterized in that the financial transaction is approved by receiving information on whether the financial transaction is approved by the financial transaction from the plurality of non-related persons.

In addition, in a second aspect of the present invention, the identity authentication system for performing identity authentication of the financial trader; a financial transaction management computer that approves and manages financial transactions of the financial traders; an artificial intelligence computer for providing, to the financial transaction management computer, information on a non-related group comprising a plurality of non-related persons not related to the financial transaction among the members stored in the identity verification system;

The identity verification system is provided with identity verification data confirming that the financial trader is the same person as the person known to the related persons from a related person group consisting of the personal information of the financial trader and at least one related person of the financial trader, and the related data held by itself Approving the identity authentication of the financial trader based on the compatibility with the financial transaction management computer and providing it to the financial transaction management computer;

In the financial transaction management computer, when the financial trader who has received identity authentication approval in the identity authentication system inputs financial transaction information into the financial transaction terminal, the financial transaction management computer receives the financial transaction information and sends the financial transaction information to the financial transaction terminal. Confirm the intention of the trader to approve the financial transaction, receive the financial transaction approval data of the financial trader transmitted from the non-related group of the financial trader provided by the artificial intelligence computer, and perform the approval of the financial transaction of the financial trader, , accumulating a predetermined profit in the non-related group, and distributing the completed financial transaction information to the financial transaction terminal, the counterpart financial transaction terminal of the financial transaction, a set number of non-related terminals among the non-related group, and the financial transaction management computer A financial transaction system that stores the data is presented.

In addition, as a third aspect of the present invention, an identity authentication system for performing identity authentication of a financial trader; a financial transaction management computer that approves and manages financial transactions of financial traders; In the financial transaction method using a system including an artificial intelligence computer that provides a non-related group consisting of a plurality of non-related persons not related to the financial transaction among the members stored in the identity verification system to the financial transaction management computer,

In order for the financial trader terminal used by the financial trader to perform the identity authentication of the financial trader, the personal information of the financial trader and at least one relationship related to the financial trader are provided to the identity authentication system to request identity authentication approval. performing; providing, by the identity authentication system, the information of the financial trader to a terminal that is a related person of the related parties, and requesting identity confirmation as to whether the financial trader is a related person; The identity authentication system receives the identity confirmation data of the financial trader provided from the terminal of the affiliated party, determines the consistency with the analysis data it owns, and when the identity is confirmed, the identity authentication approval information is transmitted to the financial trader terminal step; receiving, by the financial transaction terminal, information on a financial transaction with a counterparty to a financial transaction input by the financial transaction; receiving the financial transaction information of the financial transaction manager, by the financial transaction management computer connected to the financial transaction terminal, and confirming a financial transaction intention with the financial transaction terminal; extracting, by the artificial intelligence computer, information of a plurality of non-related persons not related to the financial trader stored in the identity authentication system and transmitting the information to the financial transaction management computer; transmitting, by the financial transaction management computer, the financial transaction information of the financial trader to the non-related terminals of the non-related persons based on the information of the non-related persons, and requesting whether to approve the financial transaction of the financial trader; receiving, by the financial transaction management computer, financial transaction approval information of the financial transaction from the plurality of unrelated terminals; transmitting, by the financial transaction management computer, financial transaction completion information to the financial transaction terminal based on the financial transaction intention confirmation information of the financial transaction and financial transaction approval information of the non-related persons; The financial transaction management computer generates and stores the transaction book related to the financial transaction information, and the financial transaction terminal, the counterpart financial transaction terminal of the financial transaction, and a plurality of non-related terminals of non-related persons who provided the financial transaction approval information A financial transaction method comprising the step of distributing and storing the transaction ledger is provided.

According to the present invention, identification of a financial trader in the identity authentication system is related to verification of personal information of a financial trader, identity confirmation data about a financial trader from a large number of related persons related to the financial trader, and identity authentication owned by the identity authentication system By approving the identity authentication of the financial trader based on the consistency with the data, it is possible to prevent the illegal use of identity authentication errors, hacking of information related to identity authentication, etc. Based on this, when the financial trader requests approval of identity authentication again, the identity authentication of the financial trader can be carried out quickly and conveniently by using the updated identity confirmation data to perform identity authentication,

When a financial trader who has been approved for identity authentication in the identity authentication system executes a financial transaction, the financial transaction management computer executes the financial transaction based on the approval information of the identity authentication system without going through a separate identity authentication process, Based on the information of a number of non-related persons (self-selected or provided by an artificial intelligence computer) unrelated to the financial transaction, the financial trader receives approval information from non-related persons regarding the financial transaction of the financial trader and based on this information The financial transaction execution of By distributing and storing transaction approval information in a number of unrelated terminals,

It has the effect of preventing errors and fraudulent use of identity authentication by financial traders and providing speed and convenience of identity authentication. By approving based on information, it is possible to prevent errors or irregularities in financial transactions, and the generated transaction books are distributed and stored in related computers or terminals, respectively, but the transaction books are not stored in all terminals unrelated to the financial trader, but in advance. By distributing and storing a set number of non-related terminals participating in the approval of a set number of financial transactions, reliability between financial transaction parties can be secured, decentralized financial transactions can be realized, and rapid financial transactions, real-name transactions, and personal information protection of traders And there is an effect that no additional cost is required for financial transactions and system maintenance.

1 is a schematic configuration diagram of an embodiment of a financial transaction system of the present invention.
2 is a schematic configuration diagram of an embodiment of a financial transaction management computer, which is a main part of an embodiment of the financial transaction system of the present invention.
3 is a schematic configuration diagram of an embodiment of a financial transaction information storage computer, which is a main part of the embodiments of the financial transaction system of the present invention.
4 is a schematic configuration diagram of an embodiment of a financial transaction terminal, which is a main part of the embodiments of the financial transaction system of the present invention.
5 is a schematic configuration diagram of an embodiment of an unrelated terminal, which is a main part of the embodiment of the financial transaction system of the present invention.
6 is a schematic configuration diagram of an embodiment of the identity authentication system, which is a main part of the embodiments of the financial transaction system of the present invention.
7 is a schematic configuration diagram of an embodiment of an operating computer, which is a main part among embodiments of the identity authentication system of the financial transaction system of the present invention.
8 is a schematic configuration diagram of an embodiment of an authentication request management module, which is a main part among embodiments of an operating computer of the identity authentication system of a financial transaction system of the present invention.
9 is a schematic configuration diagram of an embodiment of the authentication information management module, which is a main part of the operating computer of the identity authentication system of the financial transaction system of the present invention.
10 is a schematic configuration diagram of an embodiment of an artificial intelligence computer of the identity authentication system of the financial transaction system of the present invention.
11 is a schematic configuration diagram of an embodiment of the identity confirmation performance management module, which is a main part of the artificial intelligence computer of the identity authentication system of the financial transaction system of the present invention.
12 is a schematic configuration diagram of an embodiment of the data storage computer of the identity authentication system of the financial transaction system of the present invention.
13 is a schematic configuration diagram of an embodiment of an analysis data storage computer of the identity authentication system of a financial transaction system of the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

Terms used in the description of the embodiments of the present invention will be defined. Various computers and terminals used in the present invention may consist of hardware itself, or a computer program, web program, or cloud computing program utilizing the hardware resources. For example, the financial transaction management computer, artificial intelligence computer, and operating computer of the present invention may consist of hardware included in each computer, and a computer program, web program or cloud computing program executed by utilizing the hardware resources of each computer. can be made with

In addition, acquaintances, neighbors, relatives, friends, co-workers, schools, classmates, traders, etc. used in the embodiment of the present invention may be collectively used as related persons, and each may be used for the same purpose as related persons.

The artificial intelligence computer in the embodiments of the present invention may refer to an artificial intelligence computer included in the identity authentication system, and may be configured only for the financial transaction system of the present invention separately from the artificial intelligence computer included in the identity authentication system. have.

In addition, the artificial intelligence computer is not limited to the term, and may be used in various terms for performing its function in an embodiment of the present invention. For example, even if it is referred to as an analysis computer, there is no shortage in describing the embodiments of the present invention.

The above-described terms and enumeration of terms are merely examples, and may include various terms and elements not listed, etc. that are predicted by a person skilled in the art.

1 is a schematic configuration diagram of an embodiment of a financial transaction system of the present invention.

As shown in FIG. 1, the financial transaction system of the present invention manages personal information of a financial trader, identification information including user terminal information, and account information of a financial trader, A financial transaction management computer (5000) that manages non-related group information including related person information, receives transaction approval information of the non-related group according to the financial transaction request of the financial trader, and manages financial transaction performance between the financial traders Wow; A financial transaction information storage computer 6000 communicatively connected to the financial transaction management computer 5000 or included in the financial transaction management computer 5000 and storing data necessary for the financial transaction management of the financial transaction management computer 5000 )Wow; an artificial intelligence computer (7000) that is connected to the financial transaction management computer (5000) and provides resources necessary for approval of the financial transaction of the financial transaction; a financial institution computer 8000 communicatively connected to the financial transaction management computer 5000 and including at least one bank computer for performing a financial transaction approved for the financial trader; an identity authentication system (10) for approving the identity authentication of the financial trader based on identity confirmation information of at least one related person of the financial trader; Used by the financial trader to receive identity authentication approval from the identity authentication system 10, access the financial transaction management computer 5000 to perform a financial transaction, and obtain financial transaction approval from the financial transaction management computer 5000 financial transaction terminals 500a and 500b; and a plurality of unrelated terminals 800a and 800b used by a plurality of unrelated persons not related to the financial trader that receive the request of the financial transaction management computer 5000 and provide the financial transaction approval information of the financial trader is a configuration that

In the embodiment of the present invention, the resource provided by the artificial intelligence computer 7000 to the financial transaction management computer 5000 is information of non-related persons who are not related to the financial transaction among members of the identity authentication system 10 . and the financial transaction management computer 5000 performs a financial transaction with the counterparty in the financial transaction terminals 500a and 500b used by the financial trader whose identity authentication is approved through the identity authentication system 10, and the financial transaction management computer 5000 Upon receiving the financial transaction information of the financial trader, the financial transaction terminal 500a, 500b confirms the intention to make a financial transaction, and a plurality of selected non-related persons not related to the financial trader or the artificial intelligence computer ( 7000), providing the transaction information of the financial trader to the terminals 800a and 800b of the non-related persons of the plurality of non-related persons of the financial transaction and may be configured to complete the financial transaction of the financial trader.

The financial transaction management computer 5000 may include at least one server computer having a communication means and capable of executing a computer program or a web program.

The financial transaction information storage computer 6000 may be configured as a database management system (DBMS).

The artificial intelligence computer 7000 may include at least one server computer having a communication means and capable of executing an artificial intelligence (AI) related computer program or web program.

The financial institution computer 8000 may be configured as a server computer installed in banks that are affiliated with the financial transaction system of the present invention among various banks that perform on/offline financial transactions in the market and are communicatively connected to the financial transaction management computer. .

The configuration of the identity authentication system 10 may refer to the description of the embodiment of the identity authentication system to be described later.

The financial transaction terminals 500a and 500b and the non-related terminals 800a and 800b are provided with communication means, and a smart phone, tablet computer, personal computer (PC), notebook on which an application program or web program can be executed. It may be configured as a terminal such as The application or web program provided in the financial transaction terminals 500a and 500b includes a personal authentication approval request means for requesting the identity authentication approval to the identity authentication system 10 and the financial transaction management computer 5000. It may be configured as a financial transaction execution means for executing a financial transaction through and receiving a financial transaction approval, and the application or web program provided by the non-related terminals 800a and 800b is the financial transaction management computer 5000 It may be configured as a financial transaction approval information providing means for providing approval information of the financial transaction of the financial trader, and confirming the profit information provided by the financial transaction management computer 5000 .

2 is a schematic configuration diagram of an embodiment of a financial transaction management computer, which is a main part of an embodiment of the financial transaction system of the present invention.

As shown in FIG. 2 , the financial transaction management computer 5000 of the present invention is a financial transaction management computer 5000 of the present invention registered as a financial transaction member or a member of the identity authentication system 10 . a trader information management module 5100 that manages the trader's personal information and information on the financial trader terminals 500a and 500b being used; a trader identification information management module 5200 for giving unique identification information to the financial trader for financial transactions and managing the unique identification information of the financial trader; Among the members stored in the identity authentication system 10 , a plurality of unrelated groups unrelated to the financial trader or the artificial intelligence computer 7000 is extracted from the member information provided by the identity authentication system 10 . a non-related group management module 5300 for managing non-related group information including user terminal information extracted and provided according to a set rule or randomly among non-related persons not related to the financial transaction; The unrelated group management module 5300 provides the financial transaction information and financial transaction information to the non-related terminals 800a and 800b of the non-related persons, and provides them from the non-related terminals 800a and 800b of the non-related persons. a non-related person approval information management module 5400 for managing the received financial transaction approval information; By receiving financial transaction information transmitted from the financial transaction terminals 500a and 500b, confirming the intention to make a financial transaction with the financial transaction, and completing the financial transaction of the financial transaction on the basis of the financial transaction approval information of the non-related persons a transaction completion information management module 5500 for performing and managing financial transaction information; Based on the completed transaction information of the financial trader managed by the transaction completion information management module 5500, a transaction book of the financial trader is created and stored, and the generated transaction book is stored in the financial transaction terminal 500a and 500b, a transaction book management module 5600 for distributing and storing the counterpart's financial transaction terminals 500a and 500b and non-related terminals 800a and 800b of non-related persons who have provided the financial transaction approval information; a transaction data security management module 5700 for assigning an identification number to a financial transaction-related financial trader's financial account to make it difficult to hack and use illegally, and encrypting and managing financial transaction personal information, account information, and financial transaction information; a non-related interest information management module 5800 that provides benefits such as predetermined points to non-related persons who have provided approval information regarding the financial transaction of the financial trader and manages the information; If an error occurs in the deposit amount in a financial transaction, correct it, and determine whether to correct the error and the standard by using the collective intelligence convergence system with respect to the operation error, bug, or strong artificial intelligence of the artificial intelligence computer 7000, and determine the information It is a configuration including an error prevention information management module 5900 for managing the.

3 is a schematic configuration diagram of an embodiment of a financial transaction information storage computer, which is a main part of an embodiment of the financial transaction system of the present invention.

As shown in FIG. 3, the financial transaction information storage computer 6000 of the present invention includes a trader information storage module ( 6l10) and; a trader identification information storage module 6200 for storing financial trader identification information including account information given to the financial traders managed by the trader identification information management module 5200; a non-related group information storage module 6300 for storing information of non-related persons not related to the financial trader managed by the non-related persons group management module 5300; a non-related person approval information storage module 6400 for storing approval-related information on financial transactions of non-related persons managed by the non-related person approval information management module 5400; a transaction completion information storage module 6500 for storing completed financial transaction information of the financial traders managed by the transaction completion information management module 5500; a transaction book storage module 6600 for storing the transaction book related to the financial transaction information of the financial trader generated by the transaction book management module 5600; a security data storage module 6700 for storing encrypted data of financial transaction information and financial transaction information managed by the transaction data security management module 5700; It has a configuration including a non-related interest information storage module 6800 for accumulating and storing the profit information given to the non-related person by the non-related profit information management module 5800.

4 is a schematic configuration diagram of an embodiment of a financial transaction terminal, which is a main part of the embodiments of the financial transaction system of the present invention.

As shown in FIG. 4 , the configuration of the financial trader terminals 500a and 500b of the present invention will be described centered on the financial trader terminals 500a. a self-authentication module 510a for a financial trader to input personal information of a financial trader including a password and information of related persons to receive identity authentication approval for a financial transaction and transmit it to the identity authentication system 10; a financial transaction execution management module (520a) in which the financial trader inputs a transaction amount, transaction type, or counterparty information in order to perform a financial transaction through the financial transaction management computer (5000); It is configured to include a transaction book management module 530a that receives, stores, and manages the transaction book transmitted from the financial transaction management computer 5000 after the financial transaction is completed.

5 is a schematic configuration diagram of an embodiment of an unrelated terminal, which is a main part of the embodiment of the financial transaction system of the present invention.

As shown in FIG. 5 , the configuration of the non-related terminals 800a and 800b of the present invention will be described here focusing on the non-related terminals 800a.

a financial transaction approval input module (810a) for inputting data on whether or not to approve a financial transaction of a financial trader according to a reply request of whether the financial transaction is approved or not transmitted from the financial transaction management computer (5000); The transaction book provided by the financial transaction management computer 5000 that completes the financial transaction of the financial trader based on the financial transaction approval data provided from the unrelated terminal 800a and generates a transaction book for the financial transaction a transaction book management module 820a for storing and managing; A profit information management module 830a for receiving and managing profit information such as points provided by the financial transaction management computer 5000 in return for providing the financial transaction approval data of the financial transaction to the financial transaction management computer 5000 ) is included.

Hereinafter, the operation of the embodiment of the financial transaction system of the present invention will be described in detail with reference to FIGS. 1 to 5 .

A financial trader accesses the identity authentication system 10 with the financial transaction terminal 500a and transmits personal information, password, and a number of related information such as acquaintances of the financial trader to the identity authentication execution module 510a to approve the identity authentication. Enter the personal authentication request data, including The identity authentication system 10 receives the identity authentication request data of the financial trader and transmits the identity verification request of the financial trader to the terminal used by the plurality of affiliates using the included information of the plurality of related persons. The identity verification system 10 receives the identity confirmation data of the financial trader from the terminals of the plurality of related parties and confirms the identity based on the consistency with the data it owns, and then sends the identity verification data to the financial transaction terminal 500a to the financial transaction terminal 500a. Send the authentication approval.

In addition, when the financial transaction management computer 5000 accesses the financial transaction management computer 5000 from the financial transaction terminal 500a and requests for personal authentication approval to perform a financial transaction, the financial transaction management computer 5000 may be configured to transmit the identity authentication approval request data of the financial trader to the identity authentication system 10 to perform identity authentication of the financial trader.

The financial transaction management computer 5000 stores unique identification information set by the financial trader in the financial transaction terminal 500a and approved by the financial transaction management computer 5000 in the financial transaction information storage computer 6000 . The unique identification information of the financial trader consists of account information for financial transactions, and the unique identification information of the financial trader, for example, account information, includes a country code consisting of alphanumeric characters, a set number of area codes, and a set number of financial traders. It may be composed of a combination of unique numbers set in a range of numbers. In addition, when the financial trader needs to open several accounts, one or more account information may be opened by combining an additional number with the combination account information. The set unique identification information of financial traders can be encrypted and managed. Table 1 below shows a configuration example of unique identification information and account information of a financial trader.

country code area code unique number additional number Unique identification code (account information) guide alphanumeric three digit number Numbers 12-20 My Settings random number Set unique identification information inherence KR or KR 042 123456789012345 KR042123456789012345 Add 5 KR042123456789012345-5 Add 9 KR042123456789012345-9

As shown in the table above, the unique identification information (eg, KR042123456789012345) set by the financial trader in the financial transaction terminal 500a is received from the financial transaction management computer 5000 and overlaps with the stored unique identification information. If it is checked and there is no duplicate, the unique identification information of the financial trader is approved and stored. The financial trader whose identity authentication is approved inputs financial transaction details into the financial transaction execution module 520a of the financial transaction terminal 500a. to conduct financial transactions. The financial transaction management computer 5000 receives the financial transaction details input to the financial transaction terminal, and transmits financial transaction intention confirmation data to the financial transaction terminal 500a to confirm the financial transaction intention of the financial transaction person. In this case, the financial transaction management computer 5000 may inquire the balance information from the account information of the financial trader stored in the financial transaction information storage computer 6000 . Unrelated terminal information used by the artificial intelligence computer 7000 connected to the financial transaction management computer 5000 in member information that has no relationship with the financial trader among the member information stored in the identity authentication system 10 A plurality of non-relational information, including , is selected by a set rule or randomly and provided to the financial transaction management computer 5000 . The financial transaction management computer 5000 requests confirmation of the financial transaction details of the financial traders to the non-related terminals 800a of the non-related persons, and based on the transaction details approval information provided from a plurality of non-related terminals 800a. The financial transaction of the financial trader is completed. The financial transaction management computer 5000 generates a transaction book including completed financial transaction information of the financial trader and stores the transaction book in the financial transaction information storage computer 6000 in connection with the financial transaction information, and stores the transaction book in the financial transaction information storage computer 6000. The transaction book is distributed and stored in the financial transaction terminal 500a and a plurality of unrelated terminals 800a that have provided the financial transaction approval information. In addition, the financial transaction management computer 5000 connects a predetermined profit, for example, a point, with the non-related person information to non-related persons who are users of a plurality of non-related terminals 800a that have provided financial transaction approval information. It is stored in the financial transaction information storage computer (6000).

In the above embodiment of the present invention, a computer program or web program executed or output from the financial transaction management computer 5000, the financial transaction terminals 500a and 500b, and the non-related terminals 800a and 800b utilizes hardware physical resources. Thus, the means for calculating the details of financial transactions between the parties to the financial transaction and the means for storing data such as the transaction book have been described as examples, but the present invention is not limited thereto.

In an embodiment of the financial transaction system of the present invention, input of financial transaction details between parties to a financial transaction and a program for calculating and verifying financial transaction details may be provided using cloud computing system resources. In addition, the financial transaction management computer 5000 provides a virtual web space of the cloud computing system that can store and check the transaction book for completed financial transaction information to the financial trader and a plurality of non-related persons. Transaction ledgers can be distributed and stored in each virtual web space.

As the financial transaction system of the present invention utilizes the cloud computing system, the financial traders and non-related persons can use the financial transaction system of the present invention 24 hours a day, 365 days a year, regardless of whether other users have access to the financial transaction system of the present invention. have.

When the cloud computing system is introduced in the financial transaction system of the present invention, when a financial trader accesses the financial transaction system of the present invention, a program for inputting financial transaction details, calculating and verifying transaction details provided by the cloud computing system (for example, , calculation function application program) can be automatically checked for virus infection or hacking to ensure safety.

When the cloud computing system is introduced in the financial transaction system of the present invention, approval of financial transactions of financial traders by non-related persons is automatically performed by the calculation program provided by the cloud computing system. There is no need to calculate each transaction history. Of course, when the cloud computing system is not used in the financial transaction system of the present invention, the artificial intelligence computer 7000 may be configured to automatically calculate the transaction details for approval of financial transactions of non-related persons. Non-related parties do not need to calculate transaction details for approval of financial transactions.

In an embodiment of the financial transaction system of the present invention, the profit provided to non-related persons who provide financial transaction approval information is provided by the non-related profit information management module 5800 of the financial transaction management computer 5000 to the non-related persons. As a concept of compensation for approval and storage of the generated transaction book when a financial transaction is approved by 6800) can be stored. Considering that non-related persons for financial transaction approval are randomly selected by the artificial intelligence computer 7000, there is an effect of providing predetermined points to all members using the financial transaction system of the present invention. The points can be set to be usable like cash in the financial transaction system of the present invention.

As described above, in the embodiment of the financial transaction system of the present invention, financial transaction details information by a financial trader (such as calculation details between parties to a financial transaction) and financial transaction approval information by the non-related persons are stored in the financial transaction management computer ( 5000), check whether the transaction books such as calculation details of financial transaction parties and financial transaction approval details of non-related persons are matched, and in the transaction completion information management module 5500 of the financial transaction management computer 5000 or the above The artificial intelligence computer (7000) checks whether the self-calculated financial transaction details and transaction books match. It is distributed and stored in terminals, non-related terminals and financial transaction management computers).

Hereinafter, reasons for involving the non-related persons in the financial transaction system of the present invention for approval of financial transactions by financial traders and the meaning of non-related persons' approval of financial transactions will be described.

The financial transaction in the embodiment of the financial transaction system of the present invention is made based on information (balance, etc.) in unique identification information (account information) provided to each financial trader. When the financial transaction system of the present invention is first started, the account information of a specific financial transaction person will start from 0 (zero), and when affiliated with an existing bank, etc., the transaction may be performed with a certain balance filled. Since a financial transaction is nothing more than a record of who gave and how much to whom in the end, approving the financial transaction can be performed as a simple calculation. Therefore, as long as there is a terminal equipped with an application or program that performs arithmetic operations, anyone can calculate and approve transaction details from anywhere. However, if the simple calculation is entrusted to a specific person, it will be forged, so the reliability of the financial transaction details can be secured by sharing the financial transaction details with the financial transaction management computer and non-related persons of the financial transaction to prevent forgery. This is because non-related persons have no incentive to increase or decrease financial information of people they do not know. Therefore, approval of financial transactions by non-related persons can ensure the reliability. In addition, the financial transaction system of the present invention can be configured to be automatically calculated and approved by the calculator application program instead of manually calculating and approving financial transactions by non-related persons when approval of financial transactions by non-related persons. their burden can be minimized.

Therefore, with respect to the approval of financial transactions by non-related persons, the financial transaction system of the present invention allows financial transactions to be made based on the balance information of the unique identification information (account information) of the financial traders, and the financial transaction details are approved by non-related persons. The financial transaction approval may be configured to be automatically performed by a calculator application program existing in a terminal of randomly selected non-related persons or a cloud virtual space.

The calculator application program exists in the financial transaction party terminal, the financial transaction management computer (or artificial intelligence computer), and the non-related terminal, so it is configured to approve the financial transaction by determining whether the results calculated by each calculator application program match can be As long as the calculator application programs of all terminals do not malfunction at the same time, there is no possibility of an error in the financial transaction calculation value.

Hereinafter, an example of a financial transaction using the financial transaction system of the present invention will be described in more detail. For example, among the members stored as members in the identity verification system 10 of the present invention (or among those who sign up for membership), the party making a financial transaction (transfer of funds) using the financial transaction system of the present invention is the remitter. If it is assumed that this financial trader a, related persons such as acquaintances of financial trader a have b~m, non-related persons are n~z, and the payee is financial trader A, financial trader a uses the financial trader terminal 500a Accordingly, information of related persons including terminal information of related persons b to m is provided, the identity authentication system 10 receives approval for identity authentication, and financial transaction details for transferring 100 to financial transaction A are input. The financial transaction management computer 5000 confirms that the balance is 100 or more in the unique identification information (account information) of the financial trader a, and transfers 100 to the financial trader A through the financial transaction terminal 500a of the financial trader a A confirmation message is sent to confirm whether it is correct or not. The financial transaction management computer 5000 requests information of non-related persons of the financial transaction a, which is necessary for approval of the financial transaction, from the artificial intelligence computer 5000 . The artificial intelligence computer 7000 determines any relationship (relatives, acquaintances such as friends or financial transactions) with the financial trader a among the members stored in the identity authentication system 10 based on the information of the financial trader a The non-relationship information including the non-relationship terminal 800a information of n to z non-relationships with no relationship) is extracted and provided to the financial transaction management computer 5000 . The financial transaction management computer 5000 transmits the transfer (withdrawal) details of the financial trader a to the unrelated terminals 800a of n to z, which are unrelated provided by the artificial intelligence computer 7000. Requests approval of financial transaction details (withdrawal amount) and receives financial transaction details approval information from the non-related terminals 800a of the non-related persons, decrements 100 in the account information of financial trader a, and adds 100 to the account information of financial trader A Increase by 100 to complete the financial transaction. The financial transaction management computer 5000 generates a transaction book based on financial transaction details information including 100 decrease and increase history information in the account information of the financial trader a and the financial transaction A, and the balance information of each account information. , the financial transaction terminal 500a of financial trader a, the financial transaction terminal 500b of financial transaction A, the non-related terminals 800a of non-related persons of financial transaction a participating in the approval of financial transaction details, and the financial transaction management computer 5000 ) to be distributed and shared.

Non-related persons who share the transaction book are all non-related persons who participate in the approval of financial transaction details, and non-related persons who share the transaction book are not all non-related persons in relation to the financial trader, but non-related persons participating in financial transaction approval The number of is set in the financial transaction management computer, or the artificial intelligence computer sets the number and randomly selects the selected non-related persons to participate in financial transaction approval, and non-related persons who participate in the financial transaction approval Transaction ledgers can be distributed and stored. In addition, the number of non-related persons to share the transaction book can be increased or decreased according to the amount of financial transaction. The number of non-related persons to share the ledger can be automatically set by the artificial intelligence computer.

In this way, by limiting the number of blocks (non-related terminals) to be distributed and stored in the transaction ledger, it is possible to solve the problems of a decrease in transaction speed and high cost due to distributed storage in all existing nodes or blocks.

As an example of another financial transaction, even when financial transaction B and financial transaction C transfer funds to financial transaction a, the financial transaction is performed through the above-described process.

When a problem such as a wrong deposit occurs when using the financial transaction system of the present invention, a predetermined ratio (eg, more than half) of non-related persons who approve the financial transaction details must be agreed and the financial transaction management computer 5000 When you agree to correct sputum, you can restore the details of the wrong deposit.

In order to extract information of non-related persons from the artificial intelligence computer 7000 and provide it to the financial transaction management computer 5000, the artificial intelligence computer 7000 allows the financial trader a (or B, C) to authenticate the identity. The artificial intelligence computer 7000 may refer to the information of the related persons provided in the system 10 to receive the authentication approval, and may randomly select a set number of non-related persons from among the remaining members except for the information of the related persons. In addition, the artificial intelligence computer 7000 refers to the consistency of the identification-related data stored in the identity authentication system 10, which is the relationship between the members, and the related data, which is the relationship that the artificial intelligence computer 7000 owns. Except for the members corresponding to a (or B, C) related persons, a set number of non-related persons among the remaining members may be randomly selected.

The artificial intelligence computer 7000 of the financial transaction system of the present invention may be an artificial intelligence computer provided as one component of the identity authentication system 10, and the identity authentication for extracting and providing non-related information It may be a configuration independent of the artificial intelligence computer of the system.

Another example of a financial transaction using the financial transaction system of the present invention will be described in more detail.

For example, a number of related persons of financial transaction a, including b to e, and a number of non-related persons including x, y, z, and a number of related persons of financial transaction n including f through i, and non-related persons are s, t, A case in which there is a majority including u, the number of related persons of financial trader o includes j to m, and the non-related persons including p, q, and r will be described as an example.

When the financial trader n transfers 50 to the financial trader a using the financial transaction system of the present invention, the procedure such as the identity authentication approval of the financial trader n is the above-described procedure through the verification of a plurality of identities including the related parties f to i. not different from The financial transaction management computer 5000 checks whether there is a balance of 50 or more in the unique identification information (account information) of the financial trader n. A financial transaction intention to transfer 50 to the financial trader a's account is confirmed to the financial trader n. The financial transaction management computer 5000 calculates a result value of decreasing 50 in the account information of the financial trader n and increasing 50 in the account information of the financial trader a, and the financial transaction provided by the artificial intelligence computer 7000 Receive the financial transaction approval information of the financial trader n from a plurality including s, t, and u, which are unrelated to the trader n, and approve the financial transaction of the financial transaction a Upon receiving the information, the financial trader n completes the financial transaction regarding the transfer of 50 to the financial transaction a. The financial transaction management computer 5000 performs a transaction based on the calculation result of 50 transfer details from the financial trader n to the financial trader a, a decrease of 50 in the account of the financial trader n, and an increase of 50 in the account of the financial trader a The book is created and stored, and the financial transaction terminal of the financial trader n and the financial transaction terminal of the financial transaction a The transaction ledger is distributed and stored in the terminals of non-related persons (including x, y, and z).

In addition, in the above example, when the financial trader a transfers 30 to the financial trader o,

The financial transaction management computer 5000 checks whether there is a balance of 30 or more in unique identification information (account information) of financial trader a. A financial transaction (withdrawal) intention to transfer 30 to the financial trader o's account is confirmed to the financial trader a.

In this case, the financial transaction management computer 5000 may verify the validity of the immediately preceding transaction related to the financial trader a. Since the immediately preceding transaction of the financial trader a is a transaction in which 50 is transferred from the financial trader n, the financial transaction management computer 5000 stores the stored transaction books, the financial trader n, and the financial transaction terminals of the financial trader a, respectively. It is possible to proceed with the financial transaction by checking whether the existing transaction books and the transaction books distributed and stored in the terminals of non-related persons participating in financial transaction approval match.

In the event that some data in the transaction book is damaged or impossible to verify with respect to each entity that stores the above transaction book, valid if the number of holders who can confirm the transaction book among the holders of the transaction book is at least a certain percentage (eg 95%) It can be considered as proceeding.

The financial transaction management computer 5000 calculates a result value of decreasing 30 in the account information of the financial trader a and increasing 30 in the account information of the financial trader o, and the financial transaction provided by the artificial intelligence computer 7000 Receives financial transaction approval information of financial trader a from multiple sources including x, y, and z that are unrelated to trader a, and receives financial transaction approval information of financial trader o from multiple sources including p, q, and r that are unrelated to trader o Upon receiving approval, the financial transaction a completes the financial transaction regarding the transfer of 30 to the financial transaction o. The financial transaction management computer 5000 performs a transaction based on the calculation result of the transfer details of 30 from the financial trader a to the financial trader o, the 30 decrease in the financial trader a's account, and the 30 increase in the financial trader o's account A book is created and stored, and the financial transaction terminal of the financial trader a, the financial transaction terminal of the financial transaction customer o, the non-related persons of the financial transaction a (a number including x, y, z) terminals and the financial transaction o's terminals The transaction ledger is distributed and stored in the terminals of non-related persons (including p, q, and r).

An error may occur in the artificial intelligence computer 7000 and the financial transaction management computer 5000 among components of the financial transaction system of the present invention. In this case, as a control means of the artificial intelligence computer 7000 and the financial transaction management computer 5000, in particular. In order to prevent operation errors, bugs, or strong artificial intelligence functions of the artificial intelligence computer 5000, the applicant's registered collective intelligence convergence system (Patent No. 10-1804960) is utilized to determine whether to correct errors or not. Whether to change the standards may be determined by requesting the collective intelligence convergence system.

Hereinafter, an embodiment of a financial transaction with an existing bank such as the financial institution computer 8000 or an automatic transaction machine (ATM) will be described using an embodiment of the financial transaction system of the present invention. In this case, it is assumed that the financial transaction system of the present invention is affiliated with an existing financial institution such as a bank.

In the case where financial trader a of the financial transaction system of the present invention deposits 300,000 won in account information of financial trader a through an automatic transaction machine (ATM) of a bank, the financial transaction manager a opened in the financial transaction management computer 5000 If the unique identification information (account information) of It can be configured so that 300,000 won is charged to the unique identification information (account information) of trader a (concept of charging points with cash).

In addition, when financial trader a of the financial transaction system of the present invention deposits 700,000 won into the account information of financial trader b through the automatic transaction machine (ATM) of the bank,

The unique identification information (account information) of the financial trader a and the financial trader b opened in the financial transaction management computer 5000 is opened in the bank, and the automatic transaction machine (ATM) of the financial trader a of the financial transaction system When 700,000 won is transferred from unique identification information (account information) to unique identification information (account information) of financial trader b, 700,000 won is charged to unique identification information (account information) of financial trader b in the financial transaction system can do.

In addition, when a financial trader a of the financial transaction system of the present invention transfers 500,000 won from his/her account of a specific bank to the unique identification information (account information) of the financial trader b of the financial transaction system of the present invention, the specific bank In the case of a member of the financial transaction system of the present invention, when registering as a member, transfer 500,000 won to the unique identification information (account information) of the financial trader b according to the procedure described above, and if the specific bank is a non-member of the financial transaction system of the present invention, Fund transfer can be performed by utilizing the interbank transfer system through business partnership with the specific bank.

In addition, in the case of withdrawing 500,000 won in cash from the unique identification information (account information) of financial trader a in the financial transaction system of the present invention, the bank's automatic transaction machine (ATM) is used through business alliances with existing banks. can be withdrawn. In this case, in the financial transaction system of the present invention, in the unique identification information (account information) of financial trader a, more than 500,000 won is actually held, or in the financial transaction system of the present invention, a method of transferring the amount of money to the bank is used. can

Hereinafter, the principles of forgery prevention, personal information protection, and rapid processing of financial transactions of the financial transaction system of the present invention will be described.

The financial transaction system of the present invention shares the transaction book, but not all members (non-related persons) share the transaction book, but distributes and stores and shares only the set number of non-related persons participating in financial transaction approval, so that all members (non-related persons) It can perform anti-counterfeiting and falsification functions while solving the problems of block chains that show increased processing cost, reduced efficiency, and reduced scalability due to the sharing of the transaction book with interested parties.

In addition, the financial transaction system of the present invention provides unique identification information (account information) of the financial trader to protect the personal information of the financial trader.

In addition, in the financial transaction system of the present invention, all sensitive personal information such as account balances and transaction details related to financial transactions can be encrypted to create and store a transaction book. For example, when the details of the previous transaction or the balance of the previous transaction are changed using block chain technology, a function of sending an abnormal signal in the financial transaction system of the present invention can be added as the value of a specific numerical value is changed, and encryption Security can be further strengthened by using a 'hash cipher' (encryption hash function) that cannot be decrypted (recovery of the original contents).

Here, the cryptographic hash function is a kind of hash function, and refers to a case in which it is difficult to find a relationship with an original input value from a hash value.

In addition, the financial transaction system of the present invention is configured so that the selection of non-related persons is automatically determined at random by an artificial intelligence computer for each transaction, so that manipulation of the transaction book by the inclusion of non-related persons is impossible.

In addition, in the financial transaction system of the present invention, the person who approves the transaction by financial transaction details and shares the transaction book is recorded as an identification number and managed internally, but this is also encrypted (a hash password can be applied if necessary) and can be accessed by anyone It can be configured not to.

In addition, data storage after calculation of financial transaction details and creation of transaction books is stored in a plurality of financial transaction management systems, cloud computing systems, virtual web spaces, etc. after encryption processing. Distributed storage is a principle.

In addition, the financial transaction system of the present invention can be configured to solve the problems of forgery prevention, hacking prevention, and single point of failure by using distributed computing technologies such as distributed cloud, hybrid cloud, and multi-cloud.

In addition, in the financial transaction system of the present invention, financial traders and non-related persons may provide a physical space for storing data such as a transaction book by using their own computer, etc., in the financial transaction system of the present invention. In this case, according to the provision of the physical space, A predetermined compensation can be paid, and the financial transaction system of the present invention is configured to improve efficiency by distributed computing, block the possibility of forgery and falsification of data, and increase the possibility of data recovery when a problem occurs.

In addition, arithmetic operations such as calculation of financial transaction details after data encryption can be performed using 'homomorphic encryption technology'. Homomorphic encryption has the advantage of reducing the risk of data leakage because it enables search, statistical processing, and machine learning without decrypting the ciphertext, and does not require decryption in the middle of data processing.

The financial transaction management computer and financial transaction information storage computer of the financial transaction system of the present invention can be installed and operated in a plurality of different spaces in order to prevent the problem of a single point of failure.

Hereinafter, an embodiment of the identity authentication system for authenticating the identity of a financial trader, which is a major part of the financial transaction system of the present invention, will be described in detail.

6 is a schematic configuration diagram of an embodiment of the identity authentication system of the present invention. As shown in FIG. 6, the identity authentication system of the present invention receives and manages the information of the related persons group and related persons in the vicinity of the person who requested the authentication request, and manages the generated personal authentication information and identity confirmation information. an operating computer 100 and; A big data database is formed by analyzing information such as words used in daily conversations and conversations between acquaintances through the Internet social network, etc. an artificial intelligence computer 200 that receives the history information, performs identity verification, and transmits the information to the operating computer; A data storage computer that stores data including identity verification requester information, related person group information, communication history information of the related person group, and identity confirmation information transmitted from the artificial intelligence computer 200 managed by the operating computer 100 (300) and; The artificial intelligence computer 200 and the big data database generated by collecting and analyzing the artificial intelligence computer 200 and the information analyzed by the artificial intelligence computer 200 on the communication details of the group of related persons received from the operation computer 100 and the artificial intelligence computer 200 ) of various data analysis and analysis data storage computer 400 including statistics based thereon; a personal authentication approval requesting means provided in the authentication requestor's terminal 500 of the authentication requestor which is communicatively connected with the operating computer 100 to request personal authentication and receive personal authentication approval information; At least one relationship in which related persons such as acquaintances, which are connected to the operating computer 100 and have a relationship with the user authentication requester, provide information such as relationship information and communication details with the user authentication requester to the operating computer 100 It is a configuration including the identity confirmation data providing means provided by the terminal.

The operating computer 100 may include at least one server computer having a communication means and capable of executing a computer program or a web program.

The artificial intelligence computer 200 may include at least one server computer having a communication means and capable of executing an artificial intelligence (AI) related computer program or web program.

The data storage computer 300 and the analysis data storage computer 400 may be configured as a database management system (DBMS).

The authentication requestor terminal 500 and the related party terminal are provided with communication means, and may be composed of terminals such as a smartphone, a tablet computer, a personal computer (PC), a notebook computer in which an application program or a web program can be executed. The application or web program provided by the authentication requester terminal 500 may be configured as a personal authentication approval requesting means for requesting the user authentication approval to the operating computer 100, and the application provided by the related party terminal The program or web program may be configured as an identity confirmation data providing means for providing the operating computer 100 with information on a relationship with a requestor of the identity authentication and communication details.

The Internet social network 700 is configured to include various social network services (SNS) and Internet media.

In the above configuration of the present invention, when the authentication requestor terminal 500 requests identity authentication, the operating computer 100 receives information of related persons such as acquaintances of the authentication requester and communication information of related persons from the authentication requester, and this basis The operating computer 100 requests and receives relationship information and communication history information with the authentication requester from the related person group terminal 600 in order to confirm that the authentication requester is the same person to the related persons, and receives communication history information of the related persons transmits to the artificial intelligence computer 200 to request identity confirmation, the artificial intelligence computer 200 analyzes the received relationship information and communication history information of related persons, and collects from the Internet social network 700 The identity verification information is transmitted to the operating computer 100 by determining the consistency with the self-generated and stored big data database, and the operating computer 100 is the authentication requester based on the received identity verification information. It is a configuration characterized in that the user authentication approval information is transmitted to the terminal 500 .

When the communication history information is voice information, it is possible to analyze the information using voice recognition technology, determine whether the voice matches, or use a voice text conversion technique, and the like.

The relationship information between the related persons and the authentication requester may include, for example, family members, relatives, friends, work colleagues, school classmates, social members, and acquaintances for hobby.

In addition, the communication history information of the related persons or group of related persons is, for example, a mobile phone text message (SMS, MMS, etc.), a chat message in a chatting application program running on a mobile phone, and a text message on a social network service (SNS). It includes various types of communication information performed using a mobile phone, including communications, e-mail letters, and Internet voice calls on mobile phones.

In the embodiment of the identity authentication system of the present invention, the function of the artificial intelligence computer 200 is performed by the operating computer 100 and the artificial intelligence computer 200 may be omitted.

7 is a schematic configuration diagram of an embodiment of an operating computer, which is a main part among embodiments of the identity authentication system of the present invention.

As shown in FIG. 7 , the identity authentication management means 1000 composed of the operating computer 100 or the computer program running on the operating computer 100 of the present invention is the citation requester who wants to perform self-authentication, the citation requester terminal. an authentication requestor information management module 1100 for receiving, storing and managing the personal information of the authentication requester and at least one password information input in 500, in the data storage computer 300; The authentication requester's name and face photo, or personal information including name and mobile phone number input into the authentication requester terminal 500 Authentication request information management module that receives, stores, and manages personal authentication authentication request data including information on prior consent in providing information of related persons stored in the terminal in use such as the requestor's mobile phone or personal computer (PC) (1200) and; a related person group management module 1300 for receiving, storing, and managing information of related persons including mobile phone numbers, e-mail addresses, SNS addresses, etc. of related persons transmitted from the authentication requestor terminal 500; When the operating computer 100 transmits a request message for confirming whether the authentication requester is the same person to the related persons using the information of the related persons, and it is determined that the related persons input from the related person group terminal 600 are the same person , a related person identification data management module 1400 for receiving, storing, and managing related person identification data including relationship information and evidence data between a related person and an authentication requester as a basis thereof; Identity confirmation request information management module for requesting and managing the identity confirmation data of the authentication requester by transmitting the relevant person identification data received from the related person group terminal 600 to the artificial intelligence computer 200 by the related person identification data management module 1400 (1500) and; an authentication information management module 1600 for receiving, storing, and managing identity confirmation information of the authentication requester transmitted from the artificial intelligence computer 200; a related person identification data security management module 1700 for performing and managing encryption and decryption of information data and personal information of related persons received from the related party group terminal 600; a related person benefit information management module 1800 that stores and manages benefit information including points given to related persons who have agreed to a request for confirmation of whether the authentication requester is the same while providing information on the related person, etc.; It is configured to include an anti-corruption information management module 1900 for filtering the authentication requestor or related persons providing false information for the purpose of fraud, granting penalty points to the wrongdoer, and managing the same.

The related person group management module 13400 may create and manage related groups by grouping related persons of the authentication requester into categories such as family, relatives, friends, work, school, friendship, and hobbies, for example.

The security of information data and personal information of related persons in the related person identification data security management module 1700 is encrypted and stored to protect the communication details and the contents, and decrypted when the communication details and the contents are to be analyzed. It can be analyzed and stored, and encrypted again after the analysis process. In addition, analysis processing is possible without decryption of communication details and contents encrypted by homomorphic encryption technology or the like.

In addition, the anti-corruption information management module 1900 is, for example, even though the relationship between the requestor and the person concerned is unknown, the case where the authentication is performed by a person other than the person who is the authentication requester for an illegal purpose In order to prevent this, you can use a method of verifying the name through a bank account opened in the name of the authentication requester, or verifying the validity of the name of the authentication requester's mobile phone in use through password confirmation.

The motive of illegal use of the identity authentication system of the present invention can be blocked by giving a strong penalty to the illegal user or taking measures such as deducting a reliability score index.

8 is a schematic configuration diagram of an embodiment of an authentication request management module, which is a main part among embodiments of an operating computer of the identity authentication system of the present invention.

As shown in FIG. 8, the authentication requestor data management module 1200 of the present invention includes a name and face photo, or a name and a mobile phone number, transmitted by the authentication requestor who has requested personal authentication input into the authentication requestor terminal 500 and transmitted. Receive and store data related to the information of related persons, such as acquaintances who know the requestor, stored in electronic devices capable of communicating with external communication media including mobile phones, tablet computers, notebook computers, and personal computers being used by the requestor for authentication. and an authentication requestor data management unit 1210 for managing and; The configuration includes a related person data management unit 1220 that stores and manages related person information among the related person information and data such as the related person's mobile phone number, e-mail address, and various social network service access addresses.

When the face picture or mobile phone number input from the authentication requestor terminal 500 managed by the authentication requestor data management unit 1210 is different from that previously managed, the operating computer 100 stores the change history and can manage

9 is a schematic configuration diagram of an embodiment of an authentication information management module, which is a main part among embodiments of an operating computer of the identity authentication system of the present invention.

As shown in FIG. 9 , the authentication information management module 1600 of the present invention confirms the identity derived by analyzing the information provided by the relevant persons as the same person for the authentication requestor transmitted from the artificial intelligence computer 200 . an identity confirmation information management unit 1610 that receives, stores, and manages information; a self-authentication approval information management unit 1620 for generating personal authentication approval information based on the identity confirmation information, transmitting it to the authentication requestor's terminal of the self-certification requester, and managing; It is a configuration including a self-authentication reliability information management unit 1630 that stores and manages reliability granting and reliability upgrade information to a person who has been approved for self-authentication.

The reliability of the person who has received authentication approval managed by the self-authentication reliability information management unit 1630 can be given, for example, a reliability index score of 80 points when the first self-authentication is approved. When the data is further analyzed and authenticated by the artificial intelligence computer, a reliability index score may be additionally given according to a predetermined standard. A predetermined criterion for adding an index score of reliability can be determined in proportion to, for example, the number of related persons participating in the identification check, the total number of related persons groups, the total period during which messages are transmitted and received, etc. It can be set based on a numerical value that is proportional or inversely proportional.

The at least one password input by the user who wants the authentication requestor information management unit 1100 to receive identity authentication is a means for preventing illegal use and involuntary use such as misuse, theft, etc. of the identity authentication request. For example, the password can be set to two types, one for daily use and one for emergency. The password and the emergency password are set differently, and the daily password and the emergency password are processed in the same way through the above-described procedure when requesting authentication. However, the user can selectively set the emergency password.

In addition, the user can set or select the actions to be taken on the operating computer when the user authentication request is made by entering the emergency password. For example, the operating computer may be set to transmit a message notifying that the user is in an emergency situation to an immediate family member, lover, or friend along with location information. In addition, it may be set to request help by sending a message directly to an investigation agency such as a police station.

In addition, in relation to changing the password, the change of the daily password can be performed in a normal way by accessing the operating computer, and the change of the emergency password can be performed in a specific location such as a financial institution or community center affiliated with the identity authentication system of the present invention. You can set it to be possible only face-to-face in a place.

In addition, an input field may be configured to input the password together with a name and a face photograph, or a name and a mobile phone number, on the application screen of the authentication requestor terminal 500 when the authentication requestor terminal 500 requests identity authentication. In this case, the input order of the items to be entered into the input box may be arbitrarily entered. However, if the input order for each item is consistently set, a procedure for checking whether illegal use is performed may be performed according to a change in the input order.

10 is a schematic configuration diagram of an embodiment of an artificial intelligence computer, which is a main part of an embodiment of the identity authentication system of the present invention.

As shown in FIG. 10, the artificial intelligence identity check management means 2000 composed of the artificial intelligence computer 200 or the computer program executed on the artificial intelligence computer 200 of the present invention, etc. an analysis-related data collection management module 2100 that collects and manages data such as words, vocabulary, sentences, and expressions used in ; an analysis-related big data management module 2200 that manages the data collected by the analysis-related data collection management module 2100 as big data and manages the update of big data; a related person identification data analysis management module 2300 for analyzing and managing data for each relationship in a relationship group based on information such as a person related to the authentication requester transmitted from the operating computer; an identity verification performance management module 2400 that determines whether the analyzed data and big data are consistent with each other and determines whether they are identical; A method for determining an error when an error occurs in the operation of the artificial intelligence computer 200, a method for manually setting the operation of the artificial intelligence computer 200, and a method for solving the problem due to the rapid development of artificial intelligence It is a configuration including an artificial intelligence error information management module 2500 that manages and the like.

Determination of artificial intelligence operation errors in the artificial intelligence error information management module 2500, manual operation setting, and problem solving due to strong artificial intelligence, respectively, use the collective intelligence convergence system (Applicant's registered patent No. 10-1804960) It can be used to control artificial intelligence.

11 is a schematic configuration diagram of an embodiment of the identity confirmation performance management module, which is a main part of the artificial intelligence computer of the identity authentication system of the present invention.

As shown in FIG. 11, the identity verification performance management module 2400 of the present invention analyzes and manages communication details between a person who is authenticated by various existing means such as a self-authentication-related public certificate and mobile phone verification, and the related person. a self-authentication means analysis and management unit 2410; a standard setting information management unit 2420 for setting and managing a standard for how many or more related persons should be confirmed for each related person group; Analysis of the communication details in the personal authentication means analysis management unit 2410 and the standard setting information management unit 2420 to analyze the characteristics of transmission and reception of communication details between a person who has been authenticated and a related person according to the criteria set in the standard setting information management unit 2420 to generate and manage statistics a communication history characteristic statistics management unit 2430; an average data management unit 2440 for each related person group, which calculates and manages average data of all persons or all members who have been authenticated by the transmission/reception item for each group of related persons; The configuration includes an identity determination information management unit 2450 that compares and analyzes similarities and differences with the average data with respect to the authentication requests of the authentication requester to determine whether they are identical and manages the results.

In the standard setting information management unit 2420, for example, the group of related persons is divided into family, friends and workplace, the number of family members is at least 3, the number of friends is at least 7, and the number of office workers is at least 10. You can set that standard.

In addition, in the communication history characteristic statistics management unit 2430, for example, the characteristics of transmission and reception are the number of related persons for each group of related persons, total transmission and reception period, transmission/reception period, number of transmission/reception, reaction time between transmission and reception, title, subject, word , vocabulary, sentences, honorifics, abbreviations, whether emoticons are used, usage, punctuation marks, whether abbreviations or short words are used, singularities in content, etc. Mathematical main values such as the average, standard deviation, maximum value, and minimum value of each item related to the transmission and reception characteristics may be calculated, or a frequently used expression may be stored in the analysis data storage computer 400 .

The average data management unit 2440 for each related person group may write, for example, as shown in Table 2 below in order to calculate average data of transmission/reception items for each related person group.

division family friend rectal number of people involved 3 people 7 people 10 people Total period of sending and receiving 350 days 70 days 280 days transmission/reception cycle 5 days 12 days 2 days number of sending and receiving 2 times/week 1 time/week 3 times/week Total sending and receiving time 15 minutes 90 minutes 3 minutes topic meal promise work word rice Place report sentence Eat meal meet have a drink

In the determination of identity in the identity determination information management unit 2450, for example, when the numerical value of a specific item, such as the number of related persons, is less than the average, it may be determined by strengthening the criteria of other items than the average. For example, the transmission/reception period may be further increased, the transmission/reception period may be further reduced, the number of transmission/reception is required more, the response time between transmission/reception may be further shortened, or the degree of matching of subjects, words, and sentences may be increased.

On the other hand, when the numerical value of a specific item, such as the number of related persons, is greater than the average, the criteria for other items may be relaxed compared to the average to determine equality.

The analysis-related big data management module 2200 of the artificial intelligence computer 200 includes pre-entered data such as representative words, vocabulary, sentences, and expressions used in the relation by the system operator for each relation group of the authentication requester; Receives data provided by those who have agreed to use the identity authentication system of the invention, updates and accumulates data such as representative words, vocabulary, sentences, and expressions used in the relationship, and artificial intelligence computer provides various social network services (SNS). ) and the Internet medium to collect expressions used in a specific relationship, and store and manage these data as big data in the analysis data storage unit 400 .

12 is a schematic configuration diagram of an embodiment of a data storage computer, which is a main part of an embodiment of the identity authentication system of the present invention.

As shown in FIG. 12 , the data storage means 3000 included in the data storage computer 300 of the present invention includes personal information and at least one password of a person who wants to receive identity authentication received from the operating computer 100 . an authentication requestor information storage module 3100 for storing; an authentication request information storage module 3200 for storing the name and face picture of the authentication requester, or name and mobile phone number, information of related persons, etc. received by the operating computer 100; a related person group information storage module 3300 for grouping related persons provided by the authentication requester and storing related person group data; a related person identification data storage module 3400 for storing communication details data for each relationship group of the related person group received by the operating computer 100; an identity confirmation information storage module 3500 for storing the determined identity confirmation information by determining the consistency between the analysis result of the communication history data for each relationship group and the big data; It is configured to include a related person benefit information storage module 3600 for storing benefit information given to related persons who have provided communication details with the authentication requester to the operating computer 100 .

13 is a schematic configuration diagram of an embodiment of an analysis data storage computer, which is a main part of an embodiment of the identity authentication system of the present invention.

As shown in FIG. 13, the analysis data storage means 4000 included in the analysis data storage device 400 of the present invention stores the data related to the verification of identity of the authentication requester collected by the artificial intelligence computer 200 through various routes. a collection data storage module 4100 for storing; a big data storage module 4200 for storing the collected identity verification related data as big data and managing updates; a relationship confirmation data storage module 4300 for storing the analyzed relationship confirmation data; an identity confirmation information storage module unit 4400 for storing identity confirmation information regarding whether the authentication requester determined by analysis by the artificial intelligence computer 200 is the same person; Analysis and statistical information storage module in which the artificial intelligence computer stores statistical information derived by analyzing the analysis information of the information of the related persons of the persons for whom the self-authentication is approved and the characteristics of the transmission and reception of the communication details of the persons whose self-authentication is approved and the related persons (4500) is included.

The data storage means 3000 and the analysis data storage means 400 are not limited to the above embodiment. Others may be configured to store the execution results of the operating computer 100 and the artificial intelligence computer 200 .

In the embodiment of the present invention, in the case of verification of the identity of a corporation (company) where the requestor is not an individual, for example, considering that the corporation does not have a risk of personal information leakage and the method of verifying the identity of the corporation is well established in the existing system, for example It can be applied by setting a different standard, such as using the address of a corporation instead of a photo, or by relaxing the method of verifying identity compared to the case of an individual.

For example, if the certification requester is a corporation (company), the related party group can be set as at least one employee, customer, and customer. Confirmation through registration number inquiry or confirmation method through business registration number can be used.

Identity authentication of the financial transaction system of the present invention, the operating computer receives the authentication requestor information and at least one password from the authentication requestor terminal of the authentication requestor who wants to receive the identity authentication, and stores it as a member; The name and photo of the authentication requestor, or name and mobile phone number, and password, which the operating computer has transmitted from the authentication requestor's terminal, the information of the relevant persons stored in the communication capable terminal of the authentication requester, and the intention to use the information of the relevant persons. receiving personal authentication approval request data; sending, by the operating computer, an identity confirmation request message of the authentication requester including authentication requester information including the name and photo of the authentication requester, or the name and mobile phone number of the authentication requester to the group terminal of the related parties of the authentication requester; receiving, by the operating computer, information on related persons, which are transmitted from the terminal of the related persons group, communication details with the authentication requestor and identity verification data necessary for determining whether the authentication requester is identical; the operation computer transmits, to the artificial intelligence computer, information of related persons including communication details with the authentication requester transmitted from the related person group terminal to request identity confirmation determination; The artificial intelligence computer analyzes the information of related persons including the communication details of the authentication requester and related persons transmitted from the operating computer, and analyzes information such as words and expressions used during daily conversations and conversations between acquaintances that it owns. to generate and transmit identity confirmation information to the operating computer when the consistency exceeds a certain ratio compared with the big data managed by the database; It is characterized in that the operating computer receives and stores identity confirmation information of related persons of the authentication requester transmitted from the artificial intelligence computer, and transmits personal authentication approval information to the authentication requestor terminal based on this information.

In addition, in another method of identity authentication of the financial transaction system of the present invention, the operating computer receives the authentication requestor information and at least one password from the authentication requestor terminal of the authentication requestor who wants to receive the identity authentication, and stores it as a member; The name and photo of the authentication requestor, or name and mobile phone number, and password, which the operating computer has transmitted from the authentication requestor's terminal, the information of the relevant persons stored in the communication capable terminal of the authentication requester, and the intention to use the information of the relevant persons. receiving personal authentication approval request data; sending, by the operating computer, an identity confirmation request message of the authentication requester including authentication requester information including the name and photo of the authentication requester, or the name and mobile phone number of the authentication requester to the group terminal of the related parties of the authentication requester; receiving, by the operating computer, information on related persons, which are transmitted from the terminal of the related persons group, communication details with the authentication requestor and identity verification data necessary for determining whether the authentication requester is identical; the operation computer transmits, to the artificial intelligence computer, information of related persons including communication details with the authentication requester transmitted from the related person group terminal to request identity confirmation determination; The artificial intelligence computer analyzes the information of related persons including the communication details of the authentication requester and related persons transmitted from the operating computer, and analyzes information such as words and expressions used during daily conversations and conversations between acquaintances that it owns. to generate and transmit identity confirmation information to the operating computer when the consistency exceeds a certain ratio compared with the big data managed by the database; After the operation computer receives and stores the identity confirmation information of the relevant persons of the authentication requester transmitted from the artificial intelligence computer, the operation computer receives the name and face of the authentication requester transmitted from the authentication requestor's terminal receiving personal authentication approval request data including a photo or name and mobile phone number, and a mobile phone number and password of the authentication requester; determining whether the operating computer matches the identity authentication approval request data transmitted from the authentication requestor terminal and the stored name and face picture of the authentication requester, or the name and mobile phone number and password; When they match, the operating computer transmits the identity authentication approval information based on the identity confirmation information of the authentication requester stored in the authentication requestor terminal.

In addition, the identification of the artificial intelligence computer in the identity authentication system of the financial transaction system of the present invention is a communication between a person whose identity has been authenticated by the artificial intelligence computer and a related person by existing various means such as a public certificate related to identity authentication and mobile phone confirmation. analyze and manage the history; establishes and manages criteria for the artificial intelligence computer to be confirmed by how many or more related persons for each related person group of the authentication requester; The artificial intelligence computer analyzes the communication details between the authenticated person and the related person and the characteristics of transmission and reception between the person authenticated and the related person according to the set criteria, and generates and manages statistics; Calculating and managing average data of all persons or all members who have been authenticated in the transmission and reception of each related person group using statistics calculated through the analysis of the characteristic points on the transmission and reception; It is characterized in that for the authentication request of the authentication requester, the similarity and difference with the average data are compared and analyzed to determine whether the authentication is identical, and identity confirmation information is derived.

In the identity verification system of the financial transaction system of the present invention, when the object of identity verification is a thing other than a person (or a corporation), the identity of the object is confirmed using various information (communication details) transmitted and received between objects connected through a communication means such as the Internet. can be performed.

* Terms and expressions used in the above examples of the present invention are not limited thereto. It is natural that various words and expressions that can be predicted by those of ordinary skill in the art may be replaced.

In addition, the embodiments of the present invention described above are only some of the various embodiments of the present invention.

The identity authentication system receives personal information and related person information provided by the financial trader, and the artificial intelligence computer analyzes the communication details with the related parties of the financial trader to determine the compatibility with the related big data collected by the artificial intelligence computer itself. After confirming that the financial trader is the same person, the financial trader's identity authentication is approved, and when the financial trader conducts a financial transaction through the financial transaction management computer, the artificial intelligence computer provides financial information of a large number of unrelated persons not related to the financial transaction. provided to the transaction management computer, and the financial transaction management computer requests non-related persons to approve the financial transaction details of the financial trader, and receives approval information of the financial transaction details of the financial transaction The technical idea of the present invention in which the transaction is completed, the financial transaction management computer creates and stores the transaction book based on the completed financial transaction information, and distributes and stores the transaction in the terminal of the party to the financial transaction and the terminals of non-related persons participating in the approval of the financial transaction, and , which is included in the technical idea of the present invention in which a related program is provided in a cloud computing system to a terminal of a financial transaction party to perform a financial transaction, and the transaction ledger of financial transaction information is distributed and stored in a virtual space provided by the cloud computing system. It is natural that various embodiments fall within the protection scope of the present invention.

10: Identity Verification System
5000: financial transaction management computer
6000: financial transaction information storage computer
7000: artificial intelligence computer
500a, 500b: financial transaction terminal
800a, 800b: unrelated terminals
100: operating computer
200: artificial intelligence computer
300: data storage computer
400: analysis data storage computer
500: authentication requester terminal
600: related person group terminal
700: Internet social network

Claims (5)

As a financial transaction management computer that performs and manages financial transactions of financial traders,
The financial transaction management computer includes a program executed by utilizing hardware resources, and the hardware resources of the financial transaction management computer execute the program,
extracting information of non-related persons not related to the financial trader except for the related persons based on the information of the related persons provided from the financial trader in response to the financial transaction request of the financial trader;
requesting approval of the financial transaction of the financial transaction by providing the financial transaction details of the financial transaction to the non-related terminal used by the non-related persons;
and receiving financial transaction approval information of the financial trader from the non-related terminals of the non-related persons to complete the financial transaction of the financial trader. As a financial transaction management computer that performs and manages financial transactions of financial traders,
The financial transaction management computer includes a program executed by utilizing hardware resources, and the hardware resources of the financial transaction management computer execute the program,
In response to the financial transaction request of the financial trader, the financial transaction information is provided to the identity verification system to request the financial transaction's identity authentication;
receiving identity authentication information performed on the basis of identity confirmation information confirmed by persons concerned with the financial transaction in the identity authentication system;
excluding information related to the financial trader at the time of identity verification of the financial trader and receiving the extracted information of non-related persons not related to the financial trader;
requesting approval of the financial transaction of the financial transaction by providing the financial transaction details of the financial transaction to the non-related terminal used by the non-related persons;
and receiving financial transaction approval information of the financial trader from the non-related terminals of the non-related persons to complete the financial transaction of the financial trader.
delete A financial transaction method using a financial transaction management computer that conducts and manages financial transactions of financial traders,
extracting, by the financial transaction management computer, information on non-related persons other than the related persons based on the information of the related persons provided from the financial trader according to the financial transaction request of the financial trader;
requesting approval of the financial transaction of the financial transaction by the financial transaction management computer providing the financial transaction details of the financial transaction to the non-related terminal used by the non-related persons;
and receiving, by the financial transaction management computer, financial transaction approval information of the financial trader from the non-related terminals of the non-related persons to complete the financial transaction of the financial trader. A financial transaction method using a financial transaction management computer that conducts and manages financial transactions of financial traders,
the financial transaction management computer providing the financial transaction information to the identity authentication system in response to the financial transaction request of the financial transaction and requesting identity authentication of the financial transaction;
receiving, by the financial transaction management computer, identity authentication information performed on the basis of identity confirmation information confirmed by persons related to the financial transaction in the identity authentication system;
receiving, by the financial transaction management computer, information of non-related persons having no relation with the financial trader and excluding information related to the financial trader at the time of identity authentication of the financial trader;
requesting approval of the financial transaction by the financial transaction management computer by providing the financial transaction details of the financial transaction to the non - related terminal used by the non-related persons;
and receiving, by the financial transaction management computer, financial transaction approval information of the financial trader from the non-related terminals of the non-related persons to complete the financial transaction of the financial trader.

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