KR20150123575A - Virtual Money Service Method with Biometric Information and HCE and Mobile Terminal, Server and System using the same - Google Patents

Virtual Money Service Method with Biometric Information and HCE and Mobile Terminal, Server and System using the same Download PDF

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Publication number
KR20150123575A
KR20150123575A KR1020140050125A KR20140050125A KR20150123575A KR 20150123575 A KR20150123575 A KR 20150123575A KR 1020140050125 A KR1020140050125 A KR 1020140050125A KR 20140050125 A KR20140050125 A KR 20140050125A KR 20150123575 A KR20150123575 A KR 20150123575A
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South Korea
Prior art keywords
public key
key
information
mobile terminal
secret key
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KR1020140050125A
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Korean (ko)
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정양욱
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모지도코화이어코리아 유한회사
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Priority to KR1020140050125A priority Critical patent/KR20150123575A/en
Publication of KR20150123575A publication Critical patent/KR20150123575A/en

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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/363Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

A virtual money service method using biometric information and HCE, and a mobile terminal, a server, and a system using the same. A virtual money service method according to an embodiment of the present invention includes receiving a biometric information of a user from a mobile terminal and generating a secret key for use as a virtual currency and a public key for forming a pair with the secret key, And transmits the public key to the mobile terminal. Thereby, the virtual money is generated by using the biometric information of the user, so that the virtual money can be prevented from being hacked and stolen by the malicious person.

Description

Technical Field [0001] The present invention relates to a virtual money service method using biometrics information and HCE, and a mobile terminal, a server and a system using the same,

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a virtual money service, and more particularly, to a virtual money service method for exchanging real money into virtual money and using the exchanged virtual money for mobile settlement.

As for virtual currency, there are many negative views because it is used for tax evasion and illegal transactions. However, there is a trend of increasing inter-individual transactions using it, and at the national level, it is recognized as an asset and started to take measures for taxation.

As a result, transactions using virtual money are expected to increase more and more, and it is urgent to solve the problems that may arise in using virtual money.

The biggest problem now is security. This is because it is possible to hack and steal the virtual currency of another person with malicious intent.

Another problem is ease of use. At present, transaction money payment using virtual money is made by transferring funds from the buyer to the seller. However, this is not the preferred payment method of the buyer. The user prefers the way transactions and payment are made together, such as paying for a transaction through a credit card. This is because we want to make sure the link between transaction activity and payment is more certain.

SUMMARY OF THE INVENTION The present invention has been made to solve the above-mentioned problems, and it is an object of the present invention to provide a virtual currency generating apparatus and a virtual currency generating method, which can prevent a virtual currency from being stolen by a malicious person, Service method.

Another object of the present invention is to provide a virtual money service method which allows a user to use a virtual money payment as an act of mobile payment by using a mobile credit card.

According to an aspect of the present invention, there is provided a method of providing a virtual money service, comprising: receiving biometric information of a user from a mobile terminal; Generating a 'secret key for use as a virtual currency' and a 'public key for pairing with the secret key' using biometric information; And transmitting the secret key and the public key to the mobile terminal.

The method further includes encrypting the secret key and the public key generated in the generating step with the biometric information, and the transmitting step includes the steps of: And may transmit the secret key and the public key to the mobile terminal.

Also, the generating step may generate the public key in the form of mobile card information.

The generating step may generate the secret key and the public key using the biometric information and the personal information of the user.

In addition, the personal information may include at least one of a Personal Identification Number (PIN), a Mobile Subscriber Integrated Services Digital Network-Number (MSISDN), a Social Security Number, an International Mobile Station Identity (IMSI), and an Integrated Circuit Card ID And may include at least one.

The generating step may generate the secret key and the public key using an HSM (Hardware Secure Module) using the biometric information.

In addition, the biometric information may be information generated by recognizing at least one of the fingerprint, iris, face, vein, voice, and face of the user.

And, the public key can be used to generate an address at which the virtual currency is registered.

According to another aspect of the present invention, a virtual money server includes a communication unit for receiving biometric information of a user from a mobile terminal; A generating unit for generating a 'secret key for use as a virtual currency' and a 'public key for pairing with the secret key' using the biometric information; And a processing unit for transmitting the secret key and the public key to the mobile terminal through the communication unit.

According to another aspect of the present invention, there is provided a method of providing a virtual money service, comprising the steps of: wirelessly transmitting a public key to a payment terminal; Receiving transaction information from the payment terminal; And a step of requesting a money transfer while transmitting a digital signature using the private key using the public key and a secret key used as a key money and the transfer amount determined from the transaction information.

The public key may be in the form of mobile card information.

The transmitting step may wirelessly transmit the public key to the payment terminal using a card emulation function.

The transmission step may wirelessly transmit the public key to the payment terminal by a card emulation function provided by an OS (Operating System) of the mobile terminal without using a physical Secure Element (SE).

The receiving step receives the transaction information encrypted with the public key from the payment terminal, and the requesting step transmits the transfer amount determined from the transaction information decrypted with the digital signature and the secret key, Can be requested.

The requesting step may request the server to generate the secret key and the public key.

According to another aspect of the present invention, there is provided a mobile terminal including: a communication module for wirelessly communicating with a payment terminal; A communication unit for communicating with the server; And an electronic signature using a secret key for wirelessly transmitting a public key to the payment terminal through the communication module and receiving transaction information from the payment terminal and using a secret key for forming a key-pair with the public key as a virtual currency, And a processor for transferring the transfer amount determined from the transaction information to the server through the communication unit and requesting transfer of funds.

As described above, according to the embodiments of the present invention, virtual money is generated using biometric information of a user, so that it is possible to prevent the virtual money from being hacked and stolen by a malicious person.

In addition, according to the embodiments of the present invention, when a user makes a payment using a virtual currency, a payment is made in a form of mobile settlement in direct association with a seller, thereby giving a sense of security to a user who trades in a virtual currency .

1 is a diagram showing a virtual money service system to which the present invention is applicable;
2 is a detailed block diagram of a mobile terminal,
3 is a flowchart provided in explanation of the actual money → virtual money exchange process.
FIG. 4 is a flow chart for explaining a mobile settlement process using virtual money,
5 is a detailed block diagram of a virtual money providing server,
Figure 6 is a diagram provided in the description of private key, public key and address generation.

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

1. Virtual currency service system

1 is a diagram showing a virtual money service system to which the present invention is applicable. As shown in FIG. 1, a virtual money service system to which the present invention can be applied includes a mobile terminal 100, a virtual money providing server 200, a virtual money information server 300, an NFC (Near Field Communication) 400 and an FI (Financial Institution) server 500.

The virtual money providing server 200 generates a virtual money corresponding to the user's exchange request and provides the virtual money to the mobile terminal 100, and registers information on the paid virtual money in the virtual money information server 300. The virtual money is generated by the virtual money providing server 200 using the fingerprint information of the user.

The virtual money information server 300 is a server that discloses the amount of money and the transfer details of the virtual money being used. When there is a request for funds transfer using the virtual money from the mobile terminal 100, the virtual money providing server 200 processes the money transfer and reflects the transfer result to the virtual money information server 300.

The NFC payment terminal 400 may be a terminal equipped with a mobile payment function provided in a seller's store and may be a part of or connected to a point-of-sale system of a seller.

The FI server 500 is a server operated by an FI such as a bank, a credit card company, or an online settlement agent, and handles real money.

The mobile terminal 100 stores the virtual money received from the virtual money providing server 200. [ In the transaction using the virtual currency, the mobile terminal 100 interacts with the NFC settlement terminal 400 with the NFC using an HCE (Host Card Emulation) function provided by an OS (Operating System). To this end, the user may move the mobile terminal 100 closer to the NFC payment terminal 400, such as when making a mobile payment with a mobile credit card issued to the mobile terminal 100.

When the user desires to pay the transaction money by transferring money to the virtual money, the user's digital signature must be made through the mobile terminal 100. The virtual money providing server 200 processes the money transfer after the digital signature authentication, And reflects it in the money information server 300.

2. Mobile terminal

2 is a detailed block diagram of the mobile terminal 100. As shown in FIG. As shown in FIG. 2, the mobile terminal 100 includes a communication unit 110, a fingerprint sensor 120, a processor 130, and an NFC module 170.

The communication unit 110 accesses a network such as a mobile communication network or a wireless Internet and communicates with the virtual money providing server 200 and the virtual money information server 300. [ The NFC module 170 is an NFC settlement terminal 400 and a module for NFC.

The fingerprint sensor 120 scans the user fingerprint of the mobile terminal 100 to generate fingerprint information in the form of digital data, and transmits the generated fingerprint information to the processor 130.

The processor 130 controls the overall operation of the mobile terminal 100 and includes a virtual money wallet 140, a key management unit 150 and an HCE (Host Card Emulation) unit 160 in association with an embodiment of the present invention. .

The virtual money wallet 140 provides a user interface required for virtual currency exchange application and mobile payment using a virtual money (money transfer).

The key management unit 150 stores and manages the key-pair (private key + public key) generated by the virtual money providing server 200. The key-pair (private key + public key) stored / managed by the key management unit 150 is necessary for mobile settlement using virtual money.

The HCE unit 160 is included in the OS of the mobile terminal 100 and can provide the HCE function without a physical SE. The HCE unit 160 performs the necessary procedures in the mobile terminal 100 in cooperation with the virtual money wallet 140 and the key management unit 150. [

3. Virtual Currency Exchange

A process for the user of the mobile terminal 100 to exchange real money into virtual money will be described in detail with reference to FIG. 3 is a flowchart provided in explanation of the actual money → virtual money exchange process.

3, the user executes the virtual money wallet 140 in the mobile terminal 100 (S605), and selects a currency exchange requesting function among the functions provided by the virtual money wallet 140 (S610) .

At the step S610, the user inquires the exchange rate and obtains an FI account (for example, a bank account number) or an FI account (for example, a bank account number) in which real money is deposited For example, a credit card number).

If the virtual money wallet 140 is not installed in the mobile terminal 100, the virtual money wallet 140 may be opened before step S605 because the exchange request is made through the virtual money wallet 140. In this case, It is assumed that downloading and installation of

In step S610, the virtual money wallet 140 requests the virtual money providing server 200 to exchange money according to the contents of the user's exchange request (S615). In step S615, the virtual money amount and the user's FI account are included in the exchange request transmitted from the virtual money wallet 140 to the virtual money providing server 200. [

Accordingly, the virtual money providing server 200, in cooperation with the FI server 200, processes the exchange amount in the FI account of the user (S620).

When the settlement is completed, the virtual money providing server 200 requests the virtual money wallet 140 for the user fingerprint information (S625). The virtual money wallet 140 transfers the user fingerprint information acquired through the fingerprint sensor 120 to the virtual money providing server 200 (S630).

In step S635, the virtual money providing server 200 generates a key-pair (public key + private key) in the HSM (Hardware Secure Module) using the fingerprint information received in step S630.

Of the keys constituting the key-pair generated in step S635, the private key functions as virtual money, and the public key is used to generate the address of the user. In other words, virtual currency can be used only if there is a digital signature based on the private key.

The address means the account number of the account holding the virtual currency to be created based on the user's public key. Therefore, at the time of transferring the virtual currency money, the address to be withdrawn and the address to be deposited must be designated. It is also possible for one user to have a plurality of addresses

In step S635, the HSM generates a public key in the same format as the 'mobile card information'. This is to allow the public key to be HCE like a mobile card.

For example, the public key can be generated as mobile card information in EMV (Europay, MasterCard and Visa) format used for magnetic card or IC card to make it compatible with the existing payment system.

The virtual money providing server 200 interacts with the virtual money information server 300 and registers virtual money information at the address generated in step S635 (S640).

Then, the virtual money providing server 200 encrypts the key-pair (public key + private key) generated in step S635 with the fingerprint information received in step S630, and transfers the key-pair to the virtual money wallet 140 together with the address ).

The key management unit 150 decrypts the encrypted key-pair (public key + private key) received by the virtual money wallet 140 in step S645 and securely stores the decrypted key-pair with the address in step S655.

In this way, the virtual money (private key) is paid to the mobile terminal 100, and the user can perform transactions using the public key and the address, as well as the virtual money Quot ;. < / RTI >

On the other hand, in step S645 / S650, it is also possible to implement encryption / decryption for the address.

4. Use virtual currency

The process of performing mobile settlement with virtual money paid to the mobile terminal 100 will be described in detail with reference to FIG. FIG. 4 is a flowchart provided for explaining a mobile settlement process using virtual money.

4, the user executes the virtual money wallet 140 installed in the mobile terminal 100 (S705), and selects the mobile payment function provided by the virtual money wallet 140 (S710)

If the mobile payment function is selected in step S710, the HCE unit 160 receives the public key from the key management unit 150, emulates the card (S715), and transmits the public key to the NFC payment terminal 400 through the NFC S720).

Since the public key has the same format as the 'mobile card information', there is no problem in transmitting the public key to the NFC payment terminal 400 in the steps of steps S715 and S720.

The NFC payment terminal 400 encrypts the transaction information and the seller's address with the public key received in step S720, and transfers the encrypted transaction information and the seller's address to the virtual money wallet 140 to the NFC (step S725). The transaction information includes information such as a transaction ID, a transaction item, and a transaction amount.

Thereafter, the key management unit 150 decrypts the encrypted information received in step S725 with the private key (S730). Step S730 also corresponds to the authentication procedure for the seller. If the decryption succeeds in step S730, it can be regarded that the encryption is made by the user's public key. However, if the decryption is unsuccessful, it can be regarded that the encryption is not made with the user's public key.

If the decryption succeeds in step S730, the virtual money wallet 140 guides the user to transaction information (S735). If the user who verified the transaction information completes the digital signature using the private key in step S740, the virtual money wallet 140 requests the virtual money providing server 200 to transfer the money (S745).

The money transfer request in step S745 includes the address (withdrawal address) of the user, the address (transfer address) of the purchaser, and the transfer amount (transaction amount) in addition to the electronic signature.

The virtual money providing server 200 confirms that the user is a legitimate virtual money holder through the digital signature and processes the money transfer from the virtual money information server 300 in operation S750 and displays the fact that the money transfer is completed in the virtual money wallet 140 And the settlement terminal 200 (S755 and S760).

5. Virtual currency offering server

5 is a detailed block diagram of the virtual money providing server 200. As shown in FIG. 5, the virtual currency providing server 200 includes a communication unit 210, a currency exchange processing unit 220, a hardware secure module (HSM) 230, a money transfer processing unit 240, and a storage unit 250. [ .

The communication unit 210 establishes a communication connection with the mobile terminal 100, the virtual currency information server 300, the NFC payment terminal 400 and the FI server 500.

The exchange processor 220 interacts with the FI server 500 to process the payment for the exchange requested by the user of the mobile terminal 100, and encrypts the private key (virtual currency) and the public key with the fingerprint information of the user And transmits it to the mobile terminal 100 together with the address generated based on the key.

The money transfer processing unit 240 reflects the money transfer requested from the mobile terminal 100 to the virtual money information server 300 and notifies the mobile terminal 100 and the NFC payment terminal 400 of the result.

The storage unit 250 provides the virtual money by the virtual money providing server 200 and provides a storage space required in the process of the money transfer using the virtual money.

The HSM 230 generates a private key and a public key using fingerprint information of the user, and verifies an electronic signature composed of the user's private key. Further, the HSM 230 may generate a private key and a public key by using additional information in addition to the fingerprint information of the user.

For example, as shown in FIG. 6, a private key and a public key can be generated by using a PIN (Personal Identification Number) in addition to the fingerprint information. Here, the PIN is required to be received from the user through the mobile terminal 100 and transferred to the HSM 230 of the virtual money providing server 200.

On the other hand, there is no restriction on the key generation method. For example, a private key may be generated using a message digest function using 'fingerprint information and PIN' or 'fingerprint information', and a public key corresponding to the generated private key may be generated.

The function used for private key generation may be a function other than the message digest function, and the public key generating function can also apply various functions. However, as described above, the function of the public key should be the same as that of the mobile card.

Furthermore, the PIN can be replaced with other personal information or confidential information. For example, it may be replaced with a social security number of a user, a Mobile Subscriber Integrated Services Digital Network-Number (MSISDN), an International Mobile Station Identity (IMSI), an Integrated Circuit Card ID (ICCID) .

On the other hand, as shown in Fig. 6, the address can be generated as a hash value [H (public key)] of the public key, but is not limited thereto. The address can be generated based on the public key, and there is no restriction on the specific generation method.

6. Variation example

Up to now, preferred embodiments have been described in detail for a virtual money settlement process in which virtual money is created / paid using fingerprint information of a user and the mobile settlement is simulated.

In the above embodiment, the fingerprint information serving as the basis of the key-pair generation is referred to as a kind of user biometric information. Therefore, the fingerprint information can be replaced with other types of biometric information (e.g., iris, face, vein, voice, face recognition information, etc.), and the technical idea of the present invention can also be applied to this case.

Also, the key-pair generation may be performed according to a software key generation method without using the HSM, and the technical idea of the present invention may be applied to this case also.

It goes without saying that the technical idea of the present invention can also be applied to a computer-readable recording medium having a computer program for performing the functions of the apparatus and method according to the present embodiment. In addition, the technical idea according to various embodiments of the present invention may be embodied in computer-readable code form recorded on a computer-readable recording medium. The computer-readable recording medium is any data storage device that can be read by a computer and can store data. For example, the computer-readable recording medium may be a ROM, a RAM, a CD-ROM, a magnetic tape, a floppy disk, an optical disk, a hard disk drive, or the like. In addition, the computer readable code or program stored in the computer readable recording medium may be transmitted through a network connected between the computers.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, but, on the contrary, It will be understood by those skilled in the art that various changes in form and details may be made therein without departing from the spirit and scope of the present invention.

100: mobile terminal 120: fingerprint sensor
140: Virtual money wallet 150: Key management part
160: HCE module 170: NFC module
200: Virtual currency providing server 220: Currency exchange processor
230: HSM 240: Money Transfer Processing Unit
300: Virtual currency information server 400: NFC payment terminal

Claims (16)

Receiving biometric information of a user from a mobile terminal;
Generating a 'secret key for use as a virtual currency' and a 'public key for pairing with the secret key' using biometric information; And
And transmitting the secret key and the public key to the mobile terminal.
The method according to claim 1,
And encrypting the secret key and the public key generated in the generating step with the biometric information,
Wherein,
And transmitting the encrypted secret key and the public key to the mobile terminal.
The method according to claim 1,
Wherein the generating comprises:
And the public key is generated in the form of mobile card information.
The method according to claim 1,
Wherein the generating comprises:
And generating the secret key and the public key using the biometric information and the personal information of the user.
5. The method of claim 4,
The personal information includes:
A Personal Identification Number (PIN), a Mobile Subscriber Integrated Services Digital Network-Number (MSISDN), a Social Security Number, an International Mobile Station Identity (IMSI), and an Integrated Circuit Card ID (ICCID) The method comprising the steps of:
The method according to claim 1,
Wherein the generating comprises:
And generating the secret key and the public key using a HSM (Hardware Secure Module) using the biometric information.
The method according to claim 1,
The bio-
Wherein the information is generated by recognizing at least one of the fingerprint, iris, face, vein, voice, and face of the user.
The method according to claim 1,
The public key includes:
Wherein the virtual currency is used to generate an address to be registered.
A communication unit for receiving biometric information of a user from a mobile terminal;
A generating unit for generating a 'secret key for use as a virtual currency' and a 'public key for pairing with the secret key' using the biometric information; And
And a processing unit for transmitting the secret key and the public key to the mobile terminal through the communication unit.
Wirelessly transmitting a public key to a payment terminal;
Receiving transaction information from the payment terminal; And
And a step of requesting a money transfer while transferring the electronic signature using the public key and the secret key used as the virtual money in a key-pair and the transfer amount determined from the transaction information. Service method.
11. The method of claim 10,
The public key includes:
Mobile card information. ≪ RTI ID = 0.0 > 11. < / RTI >
11. The method of claim 10,
Wherein,
And transmitting the public key to the payment terminal wirelessly using a card emulation function.
13. The method of claim 12,
Wherein,
Wherein the public key is wirelessly transmitted to the payment terminal by a card emulation function provided by an OS (Operating System) of the mobile terminal without a physical SE (Secure Element).
11. The method of claim 10,
Wherein the receiving step comprises:
Receiving transaction information encrypted with the public key from the payment terminal,
Wherein the requesting step comprises:
And transmits the transfer money amount determined from the electronic signature and the transaction information decrypted with the secret key, and requests the money transfer.
11. The method of claim 10,
Wherein the requesting step comprises:
And requesting the server to generate the secret key and the public key.
A communication module for wirelessly communicating with a payment terminal;
A communication unit for communicating with the server; And
The electronic signature is transmitted to the payment terminal wirelessly through the communication module, the transaction information is received from the payment terminal, a digital signature using a 'secret key used as a virtual currency in a key-pair with the public key, And a processor for transferring a transfer amount determined from the information to the server through the communication unit and requesting a transfer of funds.
KR1020140050125A 2014-04-25 2014-04-25 Virtual Money Service Method with Biometric Information and HCE and Mobile Terminal, Server and System using the same KR20150123575A (en)

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Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR101950752B1 (en) * 2017-11-22 2019-02-21 유비벨록스(주) Payment System Using Virtual Money and Payment Method Using Virtual Money
KR20190098397A (en) * 2018-02-14 2019-08-22 주식회사 코드박스 Management method for private key of virtual money
KR20190116838A (en) * 2018-04-05 2019-10-15 주식회사 케이티 Security method and system for crypto currency
KR20200089877A (en) 2019-01-18 2020-07-28 주식회사 블록체인컴퍼니 A privatekey management method

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR101950752B1 (en) * 2017-11-22 2019-02-21 유비벨록스(주) Payment System Using Virtual Money and Payment Method Using Virtual Money
KR20190098397A (en) * 2018-02-14 2019-08-22 주식회사 코드박스 Management method for private key of virtual money
KR20190116838A (en) * 2018-04-05 2019-10-15 주식회사 케이티 Security method and system for crypto currency
KR20200089877A (en) 2019-01-18 2020-07-28 주식회사 블록체인컴퍼니 A privatekey management method

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