KR20180054973A - Method for Operating Mobile Safety Remittance based on Verification of the Remittee - Google Patents

Abstract

The present invention relates to a safe mobile money transfer method based on proof of a receiver. According to the present invention, in a method executed through an operation server operating financial transactions between a sender and a receiver, the safe mobile money transfer method based on proof of a receiver comprises: a first step of receiving safe money transfer request information including sender′s account information, a transaction amount and receiver′s wireless terminal information from a sender′s wireless terminal; a second step of setting delay or locking on the basis of the safe money transfer request information so that the transaction amount may not be withdrawn or transferred from a sender′s account corresponding to the sender′s account information without an electronic signature of the receiver or transaction cancellation of the sender; a third step of requesting and receiving reception information including reception account information from the receiver′s wireless terminal through the receiver′s wireless terminal information; a fourth step of requesting and confirming an electronic signature of the receiver using a certificate of the receiver; a fifth step of verifying the electronic signature of the receiver using the certificate of the receiver; and a sixth step of allowing transfer of the transaction amount from the sender′s account and processing transfer of the transaction amount to a receiving account corresponding to the receiving account information of the reception information when the electronic signature of the receiver is verified.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention [0002]

In the present invention, when the remitter designates the recipient's wireless terminal information and requests the remittance based on the remittee certificate at the time of the money transaction for remitting the predetermined transaction amount to the remittee, the remittance electronic signature or the remittance transaction amount can be withdrawn / And transmits the received transaction information to the receiver wireless terminal. When the receiver information is received, the receiver wireless terminal verifies the receiver's identity based on at least the electronic signature using the receiver's certificate, Signing the receipt of receipt of the transaction amount by the user, permitting transfer of the transaction amount from the remitter's account, and transferring the transaction amount to the receipt account corresponding to the received information.

In the past, when a remitter has sent a predetermined amount to a remittee, a remittance transaction is provided in a form in which the remittance amount is immediately withdrawn from the remitter's account and transferred to the remitter account at the same time as the remittance transaction request of the remitter. A problem has occurred.

In the case of the conventional remittance transaction, even if an anomaly or voice phishing occurs, it is considered that the remitter is considered to be careless, and it is almost impossible or very difficult to recover or refund the money that has been fraudulently borne by money or voice phishing .

Accordingly, it is possible to provide a function of blocking the source of money, such as a mistake transfer or voice phishing, while the remitter sends remittance to the remittee, and at the same time, to prevent fraudulent money There is a need to prepare a way to recover or refund the funds, but the technology proposed in the past has difficulties in achieving this.

An object of the present invention to solve the above problem is to provide a remittance remittance request information receiving unit that receives remittance request information including remittance account information, transaction amount, and remittee wireless terminal information from the remitter's wireless terminal, After receiving the receipt information including the receipt account information from the remittee wireless terminal after receiving the transaction amount from the remittance account corresponding to the account information, When the payee's electronic signature is verified, permits the transfer of the transaction amount from the remitter's account and transfers the transaction amount to the payee account corresponding to the payee account information of the payee information. have.

A method for remotely remitting a remittee based on a remittee certificate according to the present invention is a method executed by an operating server that manages a money transaction between a remitter and a remittee, the remittance information including remittance account information, transaction amount and remittee wireless terminal information And deleting / locking the transaction amount from the remitter account corresponding to the remitter's account information without canceling the remitter's electronic signature or the remitter's account based on the remittance request information, A third step of requesting and receiving the acceptance information including the acceptance account information to the remittee's wireless terminal through the remittee wireless terminal information and receiving the remittee's electronic signature using the remittee's certificate; A fourth step of verifying the recipient's digital signature using the recipient's certificate, Allows the transfer of the transaction amount in the recipient digital signature verification based upon the sender's account and includes a sixth step of transferring processing the transaction amount to the account receivable corresponding to the received account information of the received information.

According to the present invention, the received account information includes at least one of account information corresponding to a real account of a payee name, account information corresponding to a virtual account of a payee name, and account information input via a remittee wireless terminal for receiving a transaction amount . ≪ / RTI >

According to the present invention, the received information further includes payee identification information that uniquely identifies the payee, and the mobile trust transfer method based on the payee identification, when receiving payee information from the payee wireless terminal,

And performing a procedure of providing the account information and remittee identification information to the financial institution server corresponding to the account information to authenticate the account holder of the account receivable corresponding to the remittee identification information .

According to the present invention, the received information further includes payee identification information that uniquely identifies the payee, and the mobile trust transfer method based on the payee identification, when receiving the payee information from the payee wireless terminal, And performing a procedure of confirming the real name of the receiver by providing the receiver identification information and the receiver wireless terminal information to the communication company server corresponding to the receiver.

According to the present invention, in the mobile trust transfer method based on the receiver identification, when the receiver information is received from the receiver wireless terminal, the account master registration information of the receipt account is confirmed through the financial company server corresponding to the receipt account information, And performing a procedure of providing the account state registration information and the remittee wireless terminal information to the communication company server corresponding to the remittee wireless terminal information and authenticating that the account state of the receiving account is the subscriber of the remittee wireless terminal.

According to the present invention, the fourth step includes requesting the remittee wireless terminal to perform digital signature authentication using the remittee's certificate, and receiving digital signature-based authentication information using the remittee's certificate from the remittee's wireless terminal .

According to the present invention, in the mobile trust transfer method based on the receiver identification, when the receiver information is received from the receiver wireless terminal, the recipient himself / herself includes the transaction amount corresponding to the transaction amount corresponding to the safe payment request information and the receipt information, The receiving step may generate the receipt electronic document.

According to the present invention, the first step further includes receiving the contents of the security transaction contract entered by the remitter, and the mobile trust transfer method based on the remittee proof is a step of, when receiving information from the remittee wireless terminal And generating a receipt electronic document including the relief remittance request information and transaction details corresponding to the receipt information and including the content of the security transaction.

According to the present invention, the first step further includes receiving a security transaction contract item selected by the remitter, and the mobile trust funding method based on the remittee proof is a step of, when receiving information from the remittee wireless terminal, And generating a receipt electronic document including the relief remittance request information and transaction details corresponding to the receipt information and including the contents of the relief transaction contract corresponding to the relief transaction contract item.

According to the present invention, the recipient proof-based mobile relief remittance method may further include, when receiving the receipt information from the remittee wireless terminal, the transaction information corresponding to the relief remittance request information and the receipt information, And generating a receipt electronic document including the receipt electronic document.

According to the present invention, the fourth step may include: requesting a digital signature using the recipient's certificate by providing the recipient's electronic document to the recipient's wireless terminal; and receiving, from the recipient's wireless terminal, And receiving the digital signature of the recipient.

According to the present invention, in the case where the receiving relief electronic document including the safe relief request information and the transaction content corresponding to the receiving information is generated, (Merkle Tree) including i hash values of at least i (i? 1) acceptance electronic documents including a hash value generated by one-way hashing as a leaf node, (N > = 1) Leaf Block including the generated root hash and the work proof value (Nounce) of the specified degree of difficulty are generated, and the generated Nth Lip block and a block encrypting step of creating an N-th document authentication block to which the i-receipt electronic document is attached and storing the generated N-th document authentication block in the designated block management DB.

According to the present invention, the block encryption step includes providing the acceptance certificate document to a designated block cipher server, wherein the block cipher server generates a hash value by unidirectionally hashing the acceptance certificate document with a designated hash algorithm And a root hash of the Merkle Tree including i hash values of at least i (i? 1) acceptance electronic documents including the generated hash value as a leaf node, Generating an Nth unbuffered lip block that includes the block hash of the previous document authentication block and the generated root hash but does not include the job proof value; (M > = 1) operation servers to which the block cipher server is affiliated, to provide the difficulty values of the Nth unfinished lip block and the designated proof of work (POW) Through the server A step c) of requesting a distributed operation of a work proof value of a designated degree of difficulty for a first N unfinished lip block, A step d) of receiving a N-block acknowledgment corresponding to the valid task certification value and a valid task certification value that is the earliest successful operation from the operation server; And an e < th > step of generating an N < th > document authentication block by completing the N < th > have.

According to the present invention, the remittance-based remittance-based remittance-based remittance-based remittance-payment-based remittance-remittance-requesting remittance request information is generated by generating a remittance-amount electronic document including the remittance request information and the transaction content corresponding to the remittance information, And storing the receipt electronic document attached with the recipient electronic signature in the authorized electronic document repository if the recipient electronic signature is attached to the electronic signature of the recipient.

According to the present invention, when the recipient electronic signature using the recipient's certificate is verified or verified without immediately depositing the transaction amount at the money transaction for remitting the predetermined transaction amount from the remitter's account to the recipient's account, By depositing the transaction amount to the receipt account, there is an advantage to block the financial accidents using mistake transfer, voice phishing and cannon bank account.

According to the present invention, it is possible to transfer the transaction amount from the account of the remitter to the account of the remittee on the remittee account without transferring the transaction amount to the account immediately at the time of the money transaction, and the account name of the account is confirmed to be the real name of the remitter, In the case where the electronic signature of the recipient is verified or verified, the transaction amount is transferred to the receipt account, thereby making it possible to prevent financial accidents using mistakes, voice phishing and cannon passbooks.

According to the present invention, a recipient electronic signature is attached to a receipt electronic document containing a transaction for a money transaction in which a predetermined transaction amount is transferred from an account of a sender to a receipt account at a recipient side, and is stored in an authorized electronic document repository Or by providing a permanent duplicate record with block encryption, there is an advantage to provide a legal basis for the remitter to remit to the recipient and receive it from the recipient.

According to the present invention, in addition to transaction contents for a money transaction in which a predetermined transaction amount is remitted from an account of a remitter to a remittance account of a remittee, a receipt electronic document By storing the recipient's electronic signature in an authorized electronic document archive or by making block encryption a permanent duplicate record so that if the recipient sends the remittance to the recipient in case of unexpected problems, There is an advantage in that it is provided.

1 is a diagram showing a configuration of a mobile trust transfer system based on a recipient's certificate according to an embodiment of the present invention.
FIG. 2 is a diagram illustrating a process of requesting a remittance remittance and a remitter-side transaction according to an embodiment of the present invention.
FIG. 3 is a diagram illustrating a process of receiving information from a recipient or a recipient digital signature according to an embodiment of the present invention.
FIG. 4 is a diagram illustrating a process of processing block encryption for a receipt electronic document according to an embodiment of the present invention.
5 is a diagram illustrating a process of storing a receipt electronic document in an electronic document repository according to an embodiment of the present invention.
6 is a diagram illustrating a process of processing an acceptance transaction based on a recipient's certificate according to an embodiment of the present invention.

The operation principle of the preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings and description. It should be understood, however, that the drawings and the following detailed description are exemplary and explanatory and are intended to provide further explanation of the invention, and are not to be construed as limiting the present invention.

In other words, the following embodiments correspond to the preferred embodiment of the preferred embodiment of the present invention. In the following embodiments, a specific configuration (or step) is omitted, or a specific configuration (or step) (Or steps), or an embodiment that incorporates functions implemented in more than one configuration (or step) into any one configuration (or step), a particular configuration (or step) It will be apparent that the present invention is not limited to the embodiments described below. Therefore, it should be clearly stated that various embodiments corresponding to subsets or combinations based on the following embodiments can be subdivided based on the filing date of the present invention.

In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. The terms used below are defined in consideration of the functions of the present invention, which may vary depending on the user, intention or custom of the operator. Therefore, the definition should be based on the contents throughout the present invention.

As a result, the technical idea of the present invention is determined by the claims, and the following embodiments are merely means for effectively explaining the technical idea of the present invention to a person having ordinary skill in the art to which the present invention belongs Only.

FIG. 1 is a diagram showing a configuration of a mobile trust transfer system based on a receiver's certificate according to an embodiment of the present invention.

More specifically, in FIG. 1, when a remitter designates a recipient's wireless terminal information and requests a remittance based on a remittee proof at the time of a money transaction to remit a predetermined amount of money to a remittee, the remitter can send a remittance electronic signature or a remitter's transaction If the receipt information is received by the receiver wireless terminal 170 and the receipt information is received from the receiver wireless terminal 170, the receipt information is transmitted to the receiver 170 based on the digital signature using at least the recipient's certificate. And a system for transferring the transaction amount to a receipt account corresponding to the receipt information by permitting transfer of the transaction amount from the remitter's account after digitally signing the receipt that the recipient himself / And is intended to encompass all types of electronic devices having ordinary knowledge in the art to which the present invention pertains. It will be possible to refer to and / or modify the FIG. 1 to various implementations of the configuration of the mobile relief remittance system (e.g., some of the constructs may be omitted, broken down, or combined) The present invention is not limited to the above-described embodiments, and various modifications and changes may be made without departing from the scope of the present invention.

The money transaction between a remitter and a remitter according to the present invention is a remittance-side transaction in which a remitter electronic signature or a remitter account corresponding to the remitter account information is canceled without canceling a remitter's account, And a receiving-side receiving transaction for receiving the transaction amount to the receiving account by providing information. Conventionally, in a money transaction between a remitter and a remitter, when a remitter requests remittance of a predetermined amount of money from a remitter account to a remitter account, the amount of money is immediately transferred from the remitter account to the remitter account irrespective of the remitter, Problems such as remittance or voice phishing have occurred. However, according to the present invention, a monetary transaction between a remitter and a receiver is separated into a remitter-side transaction and a remittance-side receiving transaction, and a single monetary transaction is completed by combining them. It is characterized in that the recipient himself / herself is authenticated, and the recipient himself / herself signs the receipt that the recipient himself / herself receives the transaction amount, and after the recipient is verified and the receipt is digitally signed, the recipient receives the transaction amount .

In the meantime, according to the present invention, it is possible to block-encrypt the receipt electronic document corresponding to the account name real name confirmation procedure and / or the receipt certificate authenticating whether the account name of the receipt account is the receiver's identity, And the present invention clearly encompasses these procedures as well as the scope of the present invention.

In addition, the present invention includes the content of a security transaction contract entered / selected or automatically set by a remitter on a receipt electronic document, so that even if a liability for various legal problems (for example, voice phishing, etc.) (For example, when a phishing phishing occurs, the transaction amount is refunded to the remitter's account), and the recipient's electronic signature is attached thereto, so that even if an unexpected problem occurs, the problem can be solved based on the receipt document Provide evidence.

The relief remittance system of the present invention performs a procedure for operating a remitter-side transaction in cooperation with the remitter wireless terminal 160 used by the remitter, the remittee wireless terminal 170 used by the remittee, and the remitter's wireless terminal 160, A procedure of operating the receiving transaction in connection with the wireless terminal 170 is performed. At least, the recipient is authenticated based on the electronic signature using the certificate of the recipient, and at the same time, the recipient digitally signs the receipt (100) for operating the receiving server (100) to receive and process the receiving transaction, and one or more financial server (180) for processing the remitter transaction and / or receiving transaction and a receipt electronic document (E. G., An authorized electronic document repository 195) that processes the block encryption for the receipt electronic document in accordance with the implementation method A lock password server 190 is achieved by further comprising.

The remitter wireless terminal 160 is a collective term of a wireless terminal used by a remitter of a money transaction according to the present invention, and may preferably include at least one smart phone, a mobile phone, a tablet PC, and the like used by a remitter. Meanwhile, according to the embodiment, the remitter's wireless terminal 160 can be extended to the remitter terminal including various wired terminals in addition to the wireless terminal used by the remitter, and the embodiment using the remitter terminal can also be included in the scope of right I clarify it clearly.

According to the embodiment of the present invention, the remitter's wireless terminal 160 can be installed with an app for a money transaction (or at least a remitter's side transaction) between a remitter and a remitter. Meanwhile, when the remitter wireless terminal 160 can request a money transaction (or a remitter transaction) with the remittee via the web (e.g., mobile web), a separate app may not be installed and the present invention is not limited thereto No. Hereinafter, technical features of the present invention will be described focusing on an embodiment in which a designated application is installed and executed in the remitter wireless terminal 160 for convenience.

The recipient wireless terminal 170 is a general term of a wireless terminal used by a recipient of a money transaction according to the present invention, and may preferably include at least one smart phone, a mobile phone, a tablet PC, and the like, which are used by a recipient. Meanwhile, the recipient wireless terminal 170 may be extended to the recipient terminal including the wired terminal in addition to the wireless terminal used by the recipient, and the present invention may include the embodiment using the recipient terminal I will make it clear.

According to the embodiment of the present invention, the recipient wireless terminal 170 does not have to install and execute an app for receiving transactions before receiving a receipt transaction (or receipt information). However, A predetermined app can be installed and executed for a procedure such as a recipient electronic signature according to the present invention or for confirming an account name and real name (or block encryption or digital signature storage). On the other hand, in the case where the procedure such as the recipient electronic signature or the account name real name confirmation (or the block encryption or the digital signature archive) can be processed through the web (for example, mobile web), a separate application may not be installed and executed The present invention is not limited thereto. Hereinafter, technical features of the present invention will be described focusing on an embodiment in which a designated app is installed and executed in the recipient wireless terminal 170 for convenience.

The financial company server 180 includes a remitter's financial server 180 that opens a remittance account and processes at least remittance-side transactions, a remittee server 180 that opens a remittance account and at least processes the remittance transaction on the remittee side The remitter financial server 180 and the remitter financial server 180 may be servers provided in the same financial institution or servers provided in other financial companies linked through the financial cooperative network. Meanwhile, it is clear that the operating server 100 may be a server (or a financial company server 180) provided in a financial institution according to the embodiment, and that the present invention can be included in the scope of the present invention.

The block cipher server 190 is a generic name of a server that processes block encryption of the receiving security document when a security certificate is generated for a money transaction (or at least a receiving transaction on the recipient side) between the sender and the recipient, May be implemented as a separate server linked with the operation server 100 and may be implemented in the form of a program module for processing block encryption in the operation server 100 according to an implementation method. Meanwhile, according to the embodiment, the block cipher server 190 is implemented as a server for processing block encryption for each electronic document generated by each operation server 100 in cooperation with M (M? 1) operation servers 100 And the present invention includes such a block cipher server 190 as a right scope. For example, the block cipher server 190 may include an operation server 100 for operating a safe remittance transfer between a sender and a recipient according to the present invention, an operation server 100 for operating money borrowing and lending transactions between the lender and the borrower, The server 100 may be implemented as a server for processing block encryption in cooperation with a plurality of operation servers 100 such as a server for operating an inter-requestor investment transaction and a server for operating a real estate transaction.

According to the embodiment of the present invention, the block cipher server 190 confirms the receipt electronic document provided by the operation server 100, generates a hash value by unidirectionally hashing the receipt document with a designated hash algorithm , A root hash of a Merkle Tree including i hash values of at least i (i? 1) received docu- ments including the generated hash value as a leaf node. RH) can be generated. Thereafter, the block cipher server 190 generates N (N > = 1) unfinished lip blocks including the block authentication (or first block authentication) of the previous document authentication block and the generated root hash, And the block cipher server 190 provides the generated N-th unfinished lip block and the designated job certification difficulty value to at least M (M? 1) operation servers 100 associated with the M cipher servers 190, (100), the block cipher server (190) requests a distributed operation of the work proof value of the specified degree of difficulty for the Nth unfinished lip block, and then the block cipher server (190) m (1 < = m < M) from the operational server 100 and an Nth block corresponding to the valid work certification value. The block cipher server 190 completes the Nth Lip block by substituting the calculated job proof value and the Nth block hash into the Nth unbuffered Lip block, An Nth document authentication block can be created by attaching a document.

The operation server 100 operates a remittance electronic signature procedure for proof of remittee while operating a money transaction between a remitter and a remittee according to the present invention, The block password server 190 and the electronic document repository 190 interlock with one or more financial company servers 180 in cooperation with the remitter's wireless terminal 160 to the remittee wireless terminal 170, (195).

1, the operation server 100 includes a transaction request receiving unit 105 for receiving relief request information including remittance account information, transaction amount, and remittee wireless terminal information from the remitter's wireless terminal 160, A remitter processing unit 110 for processing a remitter-side transaction using the remitter account information and the transaction amount based on the relief request information, and a remitter processing unit 110, An acceptance information request unit 115 for requesting acceptance information for the received transaction, and an acceptance information verification unit 120 for confirming acceptance information including one or more information inputted / selected through the remitter wireless terminal 160 And if the received information confirmed by the received information confirmation unit 120 includes the received account information and the remittee's identification information, the account information of the account receivable account corresponding to the received account information Price and a primary account, the authentication unit 125 to perform the procedures to verify that the recipient's real name I corresponding to the payee identifying information.

The remitter's wireless terminal 160 requests a money transaction for transferring a predetermined transaction amount to a recipient by driving a designated application (or accesses through a browser), and transmits the money transaction through the interface displayed for the money transaction at least One or more pieces of transaction information including information necessary for the remitter-side transaction and information necessary for linking the remitter-side transaction with the receiving transaction on the remittee side are inputted / selected.

According to an exemplary embodiment of the present invention, after one or more transaction information including information for a remitter-side transaction and / or information for linking the remitter-side transaction with a receipt transaction is input / selected through the remitter's wireless terminal 160 , And the remitter's wireless terminal 160 can request a well-known remittance transaction using the transaction information. In this case, the transaction request receiving unit 105 receives the remittance transaction request information including the transaction information, You can proceed with the remittance transaction according to the procedure.

Meanwhile, when at least one transaction information including information for the remitter-side transaction and / or the remitter-side transaction is input / selected through the remitter's wireless terminal 160, the remitter's wireless terminal 160 , Or when the remitter wireless terminal 160 automatically supports the relief money transfer according to the present invention, the remitter's wireless terminal 160 includes the inputted / selected one or more pieces of transaction information To send the relief request information. Preferably, the safe transfer request information includes remittance account information (or identification information for identifying previously registered remittant account information), transaction amount, remittee wireless terminal information (or identification information for identifying previously registered remittee wireless terminal information) (For example, a withdrawal transaction by a sender or an ATM cash withdrawal) or a transfer (for example, a transfer transaction by a remitter, etc.) in the remitter account without canceling the remitter's electronic signature or the remitter's transaction, ), At least one password for setting a delay or setting a lock, a transaction number such as a security card random number, an OTP (One Time Password), and a digital signature using a remitter certificate. Meanwhile, the safe payment request information may further include payee account information and a payee identifier (for example, payee ID, payee mail address, wire telephone number, etc., subscribed to the operation server 100) The invention is not limited.

In the meantime, when the remitter includes the content of the selected / selected safe trading contract in the receipt electronic document generated through the electronic document generating unit 130, the remitter wireless terminal 160 receives the contents of the reassuring trading contract, The user can select the safe transaction contract item associated with the contract content, transmit the inputted / selected safe transaction agreement content, or transmit the safe / trust transaction information including the entered / selected secure transaction content to the safe deposit request information. Meanwhile, when the content of the security transaction specified when the receipt electronic document is generated through the electronic document generator 130 is automatically included in the receipt electronic document, the remitter wireless terminal 160 transmits the contents of the separate security transaction contract, It is not necessary to transmit the transaction contract item, and thus the present invention is not limited thereto.

The transaction request receiving unit 105 receives remittant account information (or identification information for identifying previously registered remittant account information) for the remitter-side transaction from the remitter's wireless terminal 160 and includes a transaction amount and a remittance- (Or identification information for identifying the re-registered recipient wireless terminal information) for interlocking with the remittee, and further includes the content of the selected / selected safe trading agreement by the remitter according to the execution method And receives the relief request information.

Upon receiving the relief request information from the remitter's wireless terminal 160 through the transaction request receiving unit 105, the remitter-side processing unit 110 confirms the remitter's financial institution server 180 corresponding to the remitter's account information And requests the financial company server 180 to perform a remitter-side transaction using the relief request information.

According to the embodiment of the present invention, the remitter-side processing unit 110 provides the remittance account information and the transaction amount to the financial company server 180, and notifies the remittee server 180 of the remittee's electronic signature or the remitter's transaction A delay is set or a lock is set so that the transaction amount in the remitter account corresponding to the remitter account information is not withdrawn (for example, a withdrawal transaction by a remitter or an ATM cash withdrawal) or a transfer (for example, a transfer by a remitter).

The receipt information requesting unit 115 confirms the remittee wireless terminal information included in the relief request information received from the remitter's wireless terminal 160. [ Preferably, the recipient wireless terminal information may include a mobile phone number assigned to the recipient wireless terminal 170. [ On the other hand, an app for the receiving transaction is installed in the recipient wireless terminal 170, and app identification information (for example, UUID (UUID)) for uniquely identifying the mobile phone number of the recipient wireless terminal 170 and the app , Token for pushing, etc.) are registered in association with each other, the acceptance information requesting unit 115 can confirm recipient wireless terminal information including app identification information associated with the mobile phone number of the recipient wireless terminal 170. On the other hand, if an app for the receiving transaction is installed in the recipient wireless terminal 170, the recipient identifier is included in the relief request information, and the app identification information of the app installed in the recipient wireless terminal 170 is registered in association with the payee identifier The receiving information requesting unit 115 can confirm the receiver wireless terminal information including the app identification information associated with the payee identifier.

The receiving information requesting unit 115 requests the receiving wireless terminal 170 corresponding to the receiving wireless terminal information for the receiving information for the receiving transaction associated with the remitter side transaction. If the receiver's wireless terminal information includes the mobile phone number of the receiver's wireless terminal 170, the receiver information requesting unit 115 transmits the received information to the receiver's wireless terminal 170 according to a message exchange protocol using the mobile phone number (For example, a message including address information for registering receipt information and message content for requesting receipt information) may be sent out. If the designated application is installed in the recipient wireless terminal 170, the received information requesting unit 115 may send a message (for example, a push notification) for activating the app to the recipient wireless terminal 170 to register the received information, To be transmitted.

The recipient wireless terminal 170 that is requested to receive the receipt information may enter one or more pieces of information for the receiving transaction associated with the remitter transaction or may be registered in the designated storage area of the recipient wireless terminal 170, The receipt information checking unit 120 receives and transmits information for selecting financial information (for example, receipt account information may be included) registered in the receiver's terminal 100 (or the receiver's financial server 180) 170, and financial information corresponding to the information selected through the recipient wireless terminal 170. [0033] In addition,

According to the method of the present invention, the received information includes the receiving account information for receiving the transaction amount, and may further include information such as payee identification information that uniquely identifies the payee according to the method of operation.

According to the embodiment of the present invention, the received information confirmation unit 120 confirms the received account information inputted and received through the remittee wireless terminal 170, or from the designated storage area of the remittee wireless terminal 170 (Or the receiving financial institution server 180) on the basis of the identifier inputted through the receiver's wireless terminal 170, or the receiving account registered in the designated storage medium of the operating server 100 Information can be confirmed. Meanwhile, according to the embodiment, when the recipient account information is included in the relief request information input through the remitter wireless terminal 160, the receipt information confirmation unit 120 can confirm the remittee account information as the received account information. Preferably, the receivable account information includes account information corresponding to a real account of a payee name, account information corresponding to a virtual account of a payee name, account information that is input through the remittee wireless terminal 170 to receive the transaction amount, And may include at least one.

According to the embodiment of the present invention, the reception information confirmation unit 120 confirms the receiver identification information inputted and received through the receiver wireless terminal 170, or from the designated storage area of the receiver wireless terminal 170 The recipient identification information extracted and received can be confirmed or the payee identification information registered in the designated storage medium of the operation server 100 can be confirmed based on the identifier inputted through the recipient wireless terminal 170. [ Meanwhile, according to the embodiment, when the recipient identifier is included in the relief request information input through the remitter wireless terminal 160, the recipient information confirmation unit 120 can identify the recipient identification information based on the recipient identifier. Preferably, the remittee identification information may include information necessary for actual clarification such as a payee name, date of birth and gender.

When the payee identification information for confirming the real name, such as the payee name, date of birth and gender, is confirmed through the payee information confirmation unit 120, the account state authentication unit 125 confirms the payee information through the payee information verification unit 120 It is possible to perform a real name verification procedure for authenticating whether or not the receiver identification information matching the received account information matches the account main registration information of the receipt account corresponding to the receipt account information confirmed by the receipt information verification unit 120. [ Preferably, the account state authenticating unit 125 may provide the remittee identification information and the account information to the remittee financial institution server 180 corresponding to the account information to request authentication, and the remittee financial institution server 180 ) Can confirm the account state registration information of the account corresponding to the received account information, compare and authenticate whether the payee identification information matches the account state registration information, and provide the authentication result to the operation server 100 , The account state authenticating unit 125 can receive the authentication result obtained by authenticating whether the payee identification information matches the account state registration information from the remittee financial server 180. [

According to an embodiment of the present invention, the account state authenticating unit 125 identifies the communication company server to which the receiver wireless terminal 170 subscribes using the receiver wireless terminal information, and transmits the received information identifying unit 120 Checks the account state registration information of the receipt account from the remittee financial server 180 through the receipt account information confirmed through the account server information providing server and provides the remittee wireless terminal information and the account state registration information to the communication company server, It is possible to request authentication that the registration information matches the subscriber information of the receiver wireless terminal 170 and to confirm whether the account main registration information of the receiving account matches the subscriber information of the receiver wireless terminal 170 from the communication company server .

On the other hand, the account state authenticating unit 125 identifies the communication company server to which the receiver wireless terminal 170 subscribes using the receiver wireless terminal information, and transmits the receiver wireless terminal information and the receipt information verifying unit 120), and may request the receiver to confirm whether the receiver corresponding to the receiver identification information matches the subscriber information of the wireless terminal. In addition, the receiver may request the receiver server The authentication result can be received.

According to the embodiment of the present invention, when the remittee corresponding to the remittee identification information confirmed by the receipt information confirmation unit 120 through the account state authenticating unit 125 is confirmed through the receipt information checking unit 120 The real name is confirmed as the account principal of the receipt account corresponding to the receipt account information, so that the mistransmission, the voice phishing, and the like can be blocked.

Referring to FIG. 1, the operation server 100 includes an electronic signature processing unit 135 for requesting a recipient's digital signature to a recipient wireless terminal 170 using a recipient's certificate, and a recipient electronic signature using the recipient's certificate And an electronic signature verifying unit (140) for verifying the signature. The electronic signature verifying unit (140) includes an electronic signature verification unit (140) for generating a receipt electronic document for receiving the transaction amount including the transaction information corresponding to the relief remittance request information and the receipt information And a generating unit 130. On the other hand, when generating the receipt electronic document through the electronic document generation unit 130, the electronic signature processing unit 135 requests the recipient wireless terminal 170 to send the recipient electronic signature to the recipient electronic document, The recipient electronic signature using the certificate of the recipient can be confirmed or the receipt electronic document accompanied with the recipient electronic signature can be confirmed.

After the receipt information including the receipt account information is confirmed through the receipt information confirmation unit 120, the electronic document generation unit 130 includes the transaction details corresponding to the relief request information and the receipt information, And generates a receipt electronic document for receipt of the transaction amount. Preferably, the electronic document generation unit 130 generates the electronic document based on the remittance account information, the remitter information (or the account state registration information of the remitter account), the transaction amount, the payment account information, the remittee identification information (or the account main registration information of the remittance account) A receipt electronic document including one or more of the date and time when the remitter requested the transaction and the date of the receipt transaction.

According to the embodiment of the present invention, the electronic document generation unit 130 includes the transaction contents of the money transaction (or at least the recipient side payment transaction) between the remitter and the remittee, and also includes contents of the reminder contract entered by the remitter, A receipt electronic document further including at least one of the contents of the security transaction agreement corresponding to the selected security transaction agreement item and the contents of the automatically set security transaction agreement can be generated. Here, the contents of the above-mentioned relief transaction contract include items of various legal issues (for example, voice phishing, borrowing / lending, etc.) that may arise after a receiving transaction, The amount of the transaction is the amount of money borrowed from the recipient. The amount of the transaction indicates that the sender repays the principal of the borrowed money to the recipient. The transaction amount indicates that the sender is the interest of the money borrowed from the recipient. (For example, when a voice phish occurs, the amount of the transaction is refunded to the remitter's account, and the amount of the transaction is repaid if the money is the loan money). The right of the bond as a demand, and the basis of the disappearance or reduction of the bond if the transaction amount repay the borrowed money). Can. That is, according to the present invention, the recipient confirms the receipt electronic document including the contents of the trust transaction entered / selected or automatically set by the remitter, signatures thereof by the recipient himself, and records such receipt electronic document (Or, for example, the remitter can cancel the remitter's transaction or refund the transaction amount at any time before the receipt transaction is completed) after the remittance transaction is processed (or completed) The sender can send the transaction amount to the recipient with confidence.

According to the electronic document generation embodiment of the present invention, the electronic document generation unit 130 includes transaction contents of a money transaction (or at least a recipient-side payment transaction) between the remitter and the remittee, And generate a receipt electronic document that further includes the content of the selected or automatically set security transaction.

According to another electronic document generation embodiment of the present invention, when generating the document authentication block by block-encrypting the received certificate electronic document, the electronic document generation unit 130 generates a normal authentication result by the normal money transaction between the remitter and the recipient It is possible to confirm whether various electronic documents or various normal electronic documents based on the normal money transaction between the remitter and the recipient are generated. If the normal electronic document based on the normal money transaction is not generated for a predetermined period of time, the electronic document generating unit 130 generates the electronic document based on the normal banknote transaction by the following block cipher processing unit 145 (or the block cipher server 190) You can create any dummy electronic document needed to complete the tree. Here, the dummy electronic document is not a normal electronic document including transaction contents of an actual transaction, but is generated to leave a normal electronic document of an actual transaction as a document authentication block based record. In other words, there must exist a minor that generates a block constantly in order to leave past records as constant / non-modifiable unchanged records through block encryption. In a P2P (peer-to-peer) environment, a large number of peers are voluntarily participating in a minor, so that unless a hacker who wants to tamper or tamper with the past records occupies more than half of the resources used by the minors, The record of the universe remains unchanged. However, the relief remittance system of the present invention is not a P2P environment and has a difficult problem to secure a voluntary minor. If the number of normal electronic documents less than the designated number is not generated within the specified unit time or the normal electronic document generated through the electronic document generation unit 130 is insufficient to complete the numbered hierarchical structure, The electronic document generation unit 130 flexibly adapts to generate a dummy electronic document and plays a minor role, so that the normal electronic document can be left as an unchanged record. According to another embodiment of the present invention, the dummy electronic document may be generated through the block cipher processing unit 145 or the block cipher server 190, and thus the present invention is not limited thereto. According to another embodiment of the present invention, the block cipher processing unit 145 or the block cipher server 190 generates a generated value corresponding to a hash value obtained by hashing a dummy electronic document without generating a dummy electronic document The hash value of the dummy electronic document can be used as the hash value, and thus the present invention is not limited thereto.

The electronic signature processing unit 135 performs a procedure for confirming the recipient digital signature using the recipient's certificate in cooperation with the recipient wireless terminal 170 at one time before, during, and after the electronic document is created. Preferably, the electronic signature processing unit 135 performs a procedure of attaching a recipient electronic signature to the electronic document during or after the electronic document is generated through the electronic document generation unit 130, The invention is not limited thereto.

According to the first digital signature embodiment of the present invention, the digital signature processing unit 135 uses the recipient's certificate as the recipient's wireless terminal 170 that inputs / selects the received information confirmed through the received information verification unit 120 After receiving the digital signature authentication request, the electronic signature based authentication information generated through the recipient's certificate (for example, a public certificate of the recipient's name or a separate certificate for signing the electronic document) is received from the recipient wireless terminal 170 . Meanwhile, the digital signature processing unit 135 may further execute the second or third digital signature embodiment described below with respect to the received certificate electronic document generated through the digital document generation unit 130 after processing the digital signature authentication Or the electronic signature based authentication information generated for the digital signature authentication, to the receipt electronic document generated through the electronic document generation unit 130. [

According to the second digital signature embodiment of the present invention, when a receipt electronic document including transaction details of a money transaction (or at least a receiving transaction) between a sender and a recipient is generated through the electronic document generation unit 130, The electronic signature processing unit 135 transmits a receipt electronic document including the contents of the transaction to the remittee wireless terminal 170 to request a payee's electronic signature using the payee's certificate and then sends the payee's electronic signature to the payee's wireless terminal 170 It is possible to receive the recipient electronic signature obtained by digitally signing the receipt electronic document including the contents of the transaction through the certificate.

According to the third digital signature embodiment of the present invention, the contents of the transaction of the money transaction (or at least the receiving transaction) between the remitter and the remittee by the electronic document generation unit 130 and the content of the reminder transaction contract The electronic signature processing unit 135 transmits the receipt electronic document including the content of the transaction and the content of the security transaction to the recipient wireless terminal 170 to transmit the certificate of the recipient Signed receipt electronic signature including the contents of the transaction and the content of the security transaction is received from the recipient wireless terminal 170 via the recipient's certificate after the recipient's electronic signature is used. The present invention is a transaction processing method for a recipient who performs a receiving transaction corresponding to the contents of a transaction based on a recipient electronic signature of a receipt electronic document including the contents of the transaction and the content of a security transaction, You may be deemed to have signed a contract to comply with the contract.

According to the fourth digital signature embodiment of the present invention, when a receipt electronic document including transaction details of a money transaction (or at least a receiving transaction) between a sender and a recipient is generated through the electronic document generation unit 130, The electronic signature processing unit 135 transmits a receipt electronic document including the contents of the transaction to the remittee wireless terminal 170 to request a payee's electronic signature using the payee's certificate and then sends the payee's electronic signature to the payee's wireless terminal 170 It is possible to receive the receipt electronic document accompanied by the recipient electronic signature obtained by digitally signing the receipt electronic document including the contents of the transaction through the certificate.

According to the fifth digital signature embodiment of the present invention, the transaction content of the money transaction (or at least the receiving transaction) between the remitter and the remittee by the electronic document generation unit 130 and the transaction content of the remittance transaction contract The electronic signature processing unit 135 transmits the receipt electronic document including the content of the transaction and the content of the security transaction to the recipient wireless terminal 170 to transmit the certificate of the recipient And transmits a receipt electronic document with a recipient electronic signature, which is an electronic signature of the receipt electronic document including the content of the transaction and the content of the security transaction, from the recipient wireless terminal 170 via the recipient's certificate, Lt; / RTI > The present invention is a transaction processing method for a recipient who performs a receiving transaction corresponding to the contents of a transaction based on a recipient electronic signature of a receipt electronic document including the contents of the transaction and the content of a security transaction, You may be deemed to have signed a contract to comply with the contract.

If the recipient digital signature using the recipient's certificate is confirmed through at least one of the first to fifth digital signature embodiments, the digital signature verification unit 140 may use the public certificate of the recipient And performs a procedure of verifying the digital signature of the digitally signed recipient using the recipient's certificate.

Referring to FIG. 1, in the case where a receipt electronic document is generated, the operation server 100 unidirectionally hashes the generated receipt electronic document with a specified hash algorithm and sends the generated hash value to a leaf node A root hash of the Merkle Tree including i hash values of at least i (i? 1) receiving docu- ments is generated, and the generated root hash and the designated difficulty (N > = 1) leaf block (Leaf Block) including the job certification value (Nounce) of the N provisioning block is generated and an Nth document authentication block in which i generation acknowledgment documents are attached to the generated Nth lip block A block cipher processing unit 145 for storing the received receipt digital signature in the designated electronic document repository 195 for processing to be stored in the designated block management DB; 150), and in connection with the remitter-side transaction And a receiving transaction processing unit 155 for performing a specified procedure for processing the received receiving transaction.

When a normal receipt electronic document of normal money transaction is generated through the electronic document generation unit 130 (or when a recipient electronic signature is attached to the receipt electronic document via the electronic signature processing unit 135) The processing unit 145 performs a process of generating an Nth document authentication block based on the receipt electronic document of the normal money transaction normally generated through the electronic document generation unit 130 and storing the generated Nth document authentication block in the designated block management DB . The process of generating the Nth document authentication block based on the received certificate electronic document may be performed in the operation server 100 through the block cipher processing unit 145 or may be performed in a separate block associated with the block cipher processing unit 145 The feature of the present invention will be described focusing on an embodiment that can be processed through the encryption server 190 and the Nth document authentication block is generated through a separate block cipher server 190 for the sake of convenience.

The block cipher processing unit 145 provides the receipt electronic document of the normal monetary transaction normally generated through the electronic document generation unit 130 to the block cipher server 190 and outputs the dummy electronic document And provide the generated block password to the block cipher server 190.

According to an embodiment of the present invention, the block cipher server 190 receives the receipt document from the operation server 100, and preferably transmits the received cipher text to the block cipher server 190, (I > = 1) receipt documents until the completion of the Merkle Tree of the hierarchical structure. Preferably, the i < th > receipt electronic document to be received for generating the Nth document authentication block is generated through the operation server 100 during the timeout in which the (N-1) Documents, and may include (or even include) randomly generated dummy electronic documents to complete the muckree of the specified hierarchy according to the method of operation. On the other hand, the dummy electronic document is used in the process of generating the document authentication block, but is not stored in the electronic document repository 195 which is electronically signed and certified.

According to an embodiment of the present invention, the block cipher server 190 generates a hash value by unidirectionally hashing the received certificate document with a specified hash algorithm, and includes the generated hash value as a leaf node Generates a muffle tree including i hash values of at least i received electronic documents, and generates a root hash (RH) of the muffle tree. When the muth tree is generated, the block cipher server 190 generates a block decryption (or a first document authentication block) of a previous document authentication block (for example, an (N-1) (H0)) and the generated root hash, but does not include the job proof value. The lip block may further include various information including time stamps in addition to the previous document authentication block block hash, root hash and work proof value.

Meanwhile, the block cipher server 190 includes a plurality of user wireless terminals (for example, a remitter wireless terminal (hereinafter, referred to as " remittee ") capable of interworking with at least M 160, recipient wireless terminal 170, and the like), and determine a difficulty value capable of calculating the job certification value specified in the specified timeout based on the size of the calculated operation resource. Here, the work proof value is a value obtained by multiplying a hash value corresponding to a hash value obtained by hashing a lip block by a predetermined number (for example, an '8' bit value existing in the MSB (Most Significant Bit) region of a hash value) Includes a variable value included in the lip block to derive a hash value filled with a particular bit (e.g., bit '0', etc.). At this time, the scale of the computational resources required to find the solution varies depending on how many bits of an area are induced to fill with a specific bit. Whenever the number of bit values increases by one, the amount of computation required to find the solution increases by an exponent of 2. Therefore, in order to calculate the task proof value specified in the specified timeout by using the operable resource, the difficulty value that can calculate the specified task proof value within the specified timeout is used to determine how many bits of the task proof value are to be filled with a specific bit Quot ;, and " Preferably, the block cipher server 190 includes an operation resource (for example, at least M operation servers 100 and at least one operation server 100 that are associated with each other) to be operated on in order to find a job proof value at the time of generating the Nth unfinished lip block, (For example, a plurality of user wireless terminals capable of interlocking with the mobile communication terminal 100), and when a certain ratio (for example, 80% of the mobile resources that can be mobilized) of the mobile resource is mobilized, (= A value specifying which bits of a certain region of the job certification value to be filled with a specific bit) to be found.

According to the embodiment of the present invention, the block cipher server 190 sets the difficulty values of the Nth unfinished lip block and the designated proof of work (POW) to at least M operation servers 100 associated with the block cipher server 190 And requests a distributed operation of the task proof value of the specified degree of difficulty for the Nth unfinished lip block through the M operation servers 100. [ The distributed computation of the work proof value may include operations through M operation servers 100 and distributed operations through a plurality of user wireless terminals interlocked with the M operation servers 100. [ According to the embodiment of the present invention, the block cipher server 190 may provide the N non-provisional lip blocks and the difficulty values to the M operational servers 100, and may specify and provide operation periods for the respective operational servers 100 In this case, each of the operation servers 100 can check the operation interval thereof and reassign the operation interval to each of the wireless terminals connected to the operation server 100 itself, thereby performing the distributed operation processing of the operation verification value of the designated degree of difficulty.

According to the embodiment of the present invention, the block cipher server 190 requests a distributed computation of the job proof value and then performs a distributed computation of the job proof value in an asynchronous manner in which it does not wait for a failure response excluding a valid job proof value . ≪ / RTI > That is, the block cipher server 190 requests the M operation servers 100 to perform the distributed operation of the task proof values, but does not receive the failure results individually, and each of the operation servers 100 also does not respond to the operation failure result You do not have to. Also, when the M operation servers 100 request a distributed operation calculation of the work proof value to a user wireless terminal capable of interworking with the M operation servers 100, each operation server 100 does not receive the operation failure result from the user wireless terminal, It is not necessary to answer the result of the elongation failure to the terminal. In other words, in the present invention, there may be a plurality of solutions of the work proof value of a specific degree of difficulty, and it is possible to select one of them and discard the remainder, so that it is not necessary to check whether the operation has failed or succeeded in the distributed operation section do. However, the occupation of the communication resources for distributing the work proof value by the asynchronous communication is drastically reduced, and even if the present invention is not the P2P environment, the work proof value can be distributed and processed more efficiently than the P2P environment.

According to an embodiment of the present invention, the user wireless terminal or the operation server 100 responds to a job authentication value that has been successfully computed when a job authentication value is successfully computed, and the block cipher server 190 updates the M And receives an Nth block acknowledgment corresponding to the valid work attestation value and a valid work attestation value that is the earliest successful operation from any one of the m (1? M? M) Here, the N-th block decryption corresponding to the valid task certification value is a result obtained by hashing the N-th clip block including the task certification value, and the bit value of the specific region corresponding to the degree of difficulty designated by the task certification value is set to a specific bit And a hash value to be filled.

On the other hand, when a valid work proof value is received within a specified timeout, the block cipher server 190 requests the M operation servers 100 to terminate the operation of the job proof value for the Nth incomplete ROP, It is preferable that the operation termination request of the above-mentioned small proof value is also requested asynchronously. That is, the user wireless terminal or the operation server 100 may terminate the computation of the proof value in response to the computation termination request, and may not respond to the result, and may not even terminate the computation. However, the operation termination request is intended to prevent a waste of usable operation resources (or waste of battery resources of a user wireless terminal).

On the other hand, if a valid proof value is not received within the specified timeout, the block cipher server 190 regards the operation proof value as an operation failure, and the block cipher server 190, the M operation servers 100, The processing unit may concentrate operation resources of one or more servers among the designated operation servers and calculate a work proof value of the specified degree of difficulty for the Nth incomplete RIP block. Meanwhile, the block cipher server 190 adjusts the degree of difficulty with respect to the job certification value of the Nth incomplete RB block (for example, decreasing the number of bit values to be filled with a specific bit) , And then the operation strength of one or more of the M operation servers 100 and the designated operation server is concentrated on the block cipher server 190 to calculate the operation proof value of the specified degree of difficulty for the Nth incomplete Rip block The present invention is not limited thereto.

According to the method of the present invention, when a valid job certification value for the Nth unrecognized lip block is received within the designated timeout, the block cipher server 190 transmits the calculated job certification value An Nth document block, and an Nth document block, and completing an Nth Nth Nth Nth Nth Nth Nth Nth Nth Nth Nth Nth Nth Nth Nth Nth Nth Nth Nth Nth Nth Nth Nth Nth Nth Nth Nth Nth Nth Nth Nth Nth Nth Nth Nth Nth Nth Nth Nth Nth Nth Nth Nth Nth Nth Blocks are stored in a designated block management database and managed. Meanwhile, the block cipher server 190 may transmit the Nth document authentication block to each of the operation servers 100 and store and manage the same. At least part of the blocks may be transmitted to the user wireless terminal and stored and managed .

Meanwhile, when generating the Nth document authentication block in the operation server 100 according to another embodiment of the present invention, the block encryption processing unit 145 of the operation server 100 transmits the electronic document to the electronic document generation unit 130 A hash value is generated by one-way hashing with a designated hash algorithm, and a root hash value of at least i hash values of at least i acceptance electronic documents including the generated hash value as rip nodes (RH), and generates a Nth unbuffered lip block including the block hash of the previous document authentication block and the generated root hash but does not include the job proof value. The block cipher processing unit 145 provides a plurality of user wireless terminals capable of interworking with the operation server 100 with the generated N-th non-provisional lip block and the difficulty value of the designated job proof, Asynchronously requests the distributed computation of the work proof value of the degree of difficulty, and receives a valid work proof value that is the first to be successfully computed from one user wireless terminal within the specified timeout, and an Nth block collapse corresponding to the valid work proof value. If a valid job certification value is received within the designated timeout, the block encryption processing unit 145 completes the Nth LIP block by substituting the calculated job certification value and the Nth block acknowledgment into the Nth unfinished LIP block The i-th document authentication block is generated by attaching i) the receipt electronic document to the completed N-th lip block, and then the generated N-th document authentication block is stored and managed in the designated block management DB. Meanwhile, the block cipher processing unit 145 may store and manage the Nth document authentication block to at least one user wireless terminal, and thus the present invention is not limited thereto.

Meanwhile, when a recipient electronic signature is attached to the receipt electronic document generated through the electronic document generation unit 130, the electronic document storage unit 150 stores the receipt electronic document attached with the blind name verified recipient electronic signature as an authorized And stores it in the electronic document repository 195.

According to an embodiment of the present invention, the electronic document storage unit 150 stores the electronic document stored in the electronic document storage unit 130, 125) to confirm that the receiver's digital signature is attached. If it is confirmed that the valid electronic signature of the recipient is attached to the receipt electronic document, the electronic document storage unit 150 stores the receipt electronic document attached with the recipient electronic signature in the authorized electronic document repository 195 .

According to the embodiment of the present invention, the electronic document storage unit 150 interlocks with the block cipher processing unit 145 and receives the electronic signature-receipt electronic document corresponding to the electronic signature- Is used to verify that the Nth document authentication block is effectively generated. If the N-th document verification block is validated using the received certificate electronic document corresponding to the digitally signed received certificate document, the electronic document storage unit 150 stores the received certificate electronic signature To be stored in the authorized electronic document repository 195. The electronic document repository 195 may receive the receipt electronic document with the recipient digital signature attached thereto from the operation server 100 and store the received receipt electronic document in the designated document archive DB.

According to the embodiment of the present invention, the block cipher processing unit 145 identifies i digitally signed receipt electronic documents stored in the electronic document repository 195 in cooperation with the electronic document storage unit 150, Generates meta information linking the i digital signature payee electronic documents stored in the electronic document repository 195 with i payee electronic documents included in the Nth document authentication block stored in the block management DB, Stored in the electronic document repository 195 is stored in the block management DB storing the Nth document authentication block, or is stored in a separate management DB, It is possible to link and manage the receipt electronic document included in the Nth document authentication block.

When the recipient electronic signature is verified through the digital signature verification unit 140, the receipt transaction processing unit 155 determines whether the recipient's electronic signature has been verified Perform the procedure. In one example, the receipt transaction processing unit 155 verifies the recipient digital signature through the digital signature verification unit 140, and then, during or after block acceptance of the receipt electronic document through the block encryption processing unit 145 , Or after the electronic document storage unit (150) has stored the receipt electronic document with the recipient electronic signature in the authorized electronic document repository (195), the sender side processing unit (110) A designated procedure may be performed to process the receipt transaction associated with the transaction.

According to the method of the present invention, when the recipient electronic signature using the recipient's certificate is verified through the electronic signature verification unit 140, the receipt transaction processing unit 155 transmits the transaction amount (For example, a withdrawal transaction by a remitter or an ATM cash withdrawal) or a transfer (for example, a transfer transaction by a remitter) is delayed or allowed to transfer the transaction amount to a remittance account that has been locked or settled It is possible to perform a process of transferring the transaction amount to the receiving account corresponding to the receiving account information of the received information. In one example, the receipt transaction processing unit 155 authenticates the account state of the receipt account as the recipient's identity through the account state authentication unit 125, and transmits the account state of the account to the recipient using the recipient's certificate via the digital signature verification unit 140 After the electronic signature has been verified, the acceptance certificate electronic document to which the recipient electronic signature is attached via the electronic document storage unit 150 is authenticated The transfer money amount is transferred from the remitter account to the sender's account storage unit 195 after allowing the transfer of the transaction amount to the remitter account in which the withdrawal / transfer of the transaction amount is delayed / locked through the remitter-side processing unit 110 It is possible to perform a process of transferring the transaction amount to the receiving account corresponding to the receiving account information of the received information.

FIG. 2 is a diagram illustrating a process of requesting a safe transfer and a remitter-side transaction according to an embodiment of the present invention.

FIG. 2 shows in more detail one or more transaction information that includes / identifies the remitter account information, the transaction amount, and the remittee wireless terminal information necessary for the money transaction for remitting money from the remitter's wireless terminal 160, , The operation server 100 receives the relief request information and notifies the recipient electronic signature or the withdrawal information that the transaction amount is not withdrawn / transferred from the remitter account corresponding to the remitter's account information without canceling the remitter's transaction Delay and lock-setting transactions, it is possible to refer to and / or modify the FIG. 2 if it is a person having ordinary skill in the art to which the present invention pertains, Various implementations of the process (e.g., some steps omitted or alternate procedures) Number would be, the invention is made, including any exemplary way in which the inference, to which the technical feature that is not limited to the exemplary method shown in the figure 2.

Referring to FIG. 2, the remitter's wireless terminal 160 initiates a money transaction (200) for remitting money, and transmits remittance account information (or identification information for identifying previously registered remitter account information) necessary for the money transaction, Transaction amount, recipient wireless terminal information (or identification information that identifies the previously registered recipient wireless terminal information) (205).

If at least one designated transaction information required for the money transaction is input, the remitter's wireless terminal 160 checks whether the remittance is requested by the remitter according to the present invention (210).

If the remitter does not request relief money transfer according to the present invention and a well-known remittance transaction is requested, the remitter's wireless terminal 160 configures the remittance transaction request information including the input transaction information, (215), and the operation server (100) receives the remittance transaction request information from the remitter's wireless terminal (220). The operation server 100 requests the specified financial company server 180 to perform remittance transaction processing using the remittance transaction request information 225 and the financial company server 180 transmits the remittance transaction processing procedure The operation server 100 receives the remittance transaction processing result and transmits the result of the remittance transaction processing to the remitter wireless terminal 160 in operation 230 (240), and the remitter's wireless terminal (160) receives the remittance transaction processing result and outputs it (245).

Meanwhile, when the sender requests the relief transfer according to the present invention, the remitter's wireless terminal 160 performs a process of inputting / selecting the details of the trust transaction to be included in the receipt electronic document (250) If the contents of the security agreement are automatically included in the receipt electronic document, a separate remitter input / selection process may be omitted.

The remitter's wireless terminal 160 includes the entered transaction information and transmits the relief request information to the operation server 100 in order to further comply with the input / , The operation server 100 receives the relief request information from the remitter's wireless terminal 160 (260).

The operation server 100 confirms the remitter account information through the relief remittance request information (e.g., confirms the remitter account information included in the relief remittance request information, or uses the identification information included in the relief remittance request information) After confirming the bank account server 180 corresponding to the remitter account information (265), the bank account server 180 confirms the remitter's electronic signature or the transaction deposited in the remitter account without canceling the remitter's transaction The bank server 180 requests the sender-side transaction requesting the delay / lock setting so that the money amount is not withdrawn / transferred, and the financial company server 180 requests the sender's electronic signature or the deposit (275) a delay / lock to prevent withdrawn / transferred transaction amounts. If the transaction amount deposited in the remitter account is delayed / locked so as not to be withdrawn / transferred, the financial company server 180 generates a delay / lock setting result of the deposited transaction amount in the remitter account, (280), the operation server (100) receives the delay / lock setting result of the transaction amount deposited in the remitter account from the financial company server (180).

FIG. 3 is a diagram illustrating a process of requesting receipt information or process of recipient digital signature according to an embodiment of the present invention.

3 illustrates an example of a request for receipt information for a receiving transaction from the operation server 100 to the recipient wireless terminal 170 and includes transaction details corresponding to the relief request information and the receipt information after confirming the account share name And generates a receipt electronic document for the recipient himself / herself to receive the transaction amount, and processes the recipient's electronic signature using the recipient's certificate. The present invention is applicable to a person having a general knowledge in the technical field of the present invention It is possible to refer to and / or modify the FIG. 3 to various methods (for example, omitting some steps or changing the order) of the receiving information request to the remittee digital signature process, The invention includes all of the above-described embodiments, and the technical features thereof are limited only by the method shown in FIG. 3 It does.

Referring to FIG. 3, the operation server 100 confirms the remittee wireless terminal information through the relief request information confirmed through the process of FIG. 2 (for example, confirms the remittee wireless terminal information included in the relief request information, (300) by using the identification information included in the relief payment request information (300) and transmits the remitter-side transaction of FIG. 2 to the remittee wireless terminal (170) corresponding to the remittee wireless terminal information And requests receipt information for the associated receiving transaction (305).

The recipient wireless terminal 170 receives (310) a request for receipt information for the receiving transaction from the operating server 100, identifies the receiving account information for the receiving transaction, identifies the recipient Receiving information including one or more pieces of information for identifying / identifying information is input (315), and the inputted receiving information is transmitted to the operation server (320).

The operating server 100 receives (325) receipt information including one or more information that includes / identifies the payee identification information that uniquely identifies the payee and includes / identifies the payee account information from the payee wireless terminal 170, .

On the other hand, the operating server 100 receiving the receipt information confirms (330) the financial company server 180 corresponding to the received account information (330), receives the receipt account information (335) to confirm that the account name of the account holder is the remittee corresponding to the remittee identification information of the received information. The financial institution server 180 verifies whether the account state registration information of the account is matched with the remittee identification information and authenticates whether the account state of the account is the remittee's identity (340). After confirming whether the account state of the account is the remittee address And returns the result to the operation server 100 (345). The operation server 100 receives / confirms the result of the authentication that the account state of the receipt account is the recipient's identity (350)

The operation server 100 transmits money to the remitter and the recipient based on the relief request information received from the remitter wireless terminal 160 and the remittance information received from the remittee wireless terminal 170 through the process of FIG. (355), and transmits the receipt electronic document to the recipient wireless terminal (170). The receipt electronic document is then transmitted to the recipient wireless terminal (170) (370). ≪ / RTI >

The recipient wireless terminal 170 receives the acceptance certificate from the operation server 100 and outputs it (step 375), and performs a process of processing the recipient digital signature in the receipt certificate using the recipient certificate ( 380). The remittee wireless terminal 170 transmits the remittee electronic signature using the remittee's certificate to the operation server 100 (385), or transmits the remittee electronic signature attached with the remittee digital signature to the operation server 100 ( 385), the operation server 100 receives (390) the recipient digital signature from the recipient wireless terminal 170, receives the receipt electronic document with the recipient digital signature attached (390) A procedure for verifying the signature is performed (395). If the recipient digital signature is verified, the operation server 100 stores the receipt electronic document with the recipient digital signature in the electronic document repository 195 or processes the recipient receipt transaction using the received information Procedure can be performed.

FIG. 4 is a diagram illustrating a process of processing block encryption for a receipt electronic document according to an embodiment of the present invention.

FIG. 4 illustrates a hash value generated by unidirectionally hashing a receipt electronic document created through the procedure of FIG. 3 with a specified hash algorithm, and hash hash values of at least i acceptance electronic documents (N > = 1) lip block including the generated root hash and the work proof value of the specified degree of difficulty is generated, and i An Nth document authentication block to which the receipt electronic document is attached is generated and stored in the designated block management DB. If the person skilled in the art is familiar with the present invention, (E.g., some steps may be omitted or the procedures may be altered in order) for the block encryption process of the receipt electronic document However, the present invention includes all of the above-described embodiments, and the technical features of the present invention are not limited only by the method shown in FIG.

4, the operation server 100 requests the block cipher server 190 to block encryption of the receipt electronic document generated through the process of FIG. 3 (400), and the block cipher server 190 (404) for the block encryption, and generates a hash value (408) by unidirectionally hashing the received certificate with the designated hash algorithm.

On the other hand, if a previous document authentication block is generated and stored in the block management DB, the block encryption server 190 includes the generated leaf node and stores the accumulated i-th document accumulated during the generation of the previous document authentication block in the hash A merge tree including one hash value is constructed to generate a root hash (412). The N th unfinished (412) block including the block hash of the previous document authentication block and the generated root hash, A lip block is generated (416). Meanwhile, the block cipher server 190 determines the size of available operation resources (for example, from M operation servers 100 to each operation server 100) at the time when the Nth incomplete RB block is generated (420), determines a proof difficulty value that is small enough to be able to compute a job proof value within a specified timeout by using the identified available operation resources (424) N unfinished lip blocks, a difficulty value of the specified job proof, and an operation interval to be operated by each of the operation servers 100, and requests the operation proof value to be calculated (428).

Each operation server 100 receives Nth unfinished LEP blocks, a specified difficulty value, and an operation interval from the block cipher server 190 (432). The operation server 100 distributes the received operation interval to the operation server 100 and reassigns the operation interval to a plurality of user wireless terminals interlocked with the operation server 100 or the operation server 100, The Nth unfinished lip block, the designated difficulty value, and the operation interval allocated to each wireless terminal to request the operation of the job proof value (step 440), and each wireless terminal receives an Nth unfinished lip from the operation server 100 (444) a block, a designated difficulty value, and a computation interval (444), and computes a validity proof value of the specified degree of difficulty for the specified computation interval (448). If the validity proof value of the definite degree of difficulty does not succeed even though all the operations are performed for the calculation interval, the wireless terminal ends the operation of the proof value. Meanwhile, if the mobile terminal succeeds in calculating the validity task certification value of the designated degree of difficulty during the calculation of the operation duration, the wireless terminal transmits an Nth block acknowledgment corresponding to the validity task successful value and the valid task value, 100 in step 452, and the operation server 100 confirms the Nth block hash corresponding to the validated up-certification value and the valid work certification value in step 460.

Meanwhile, the operation server 100 performs a process of calculating a valid task certification value of the designated degree of difficulty for the reallocated operation section among the operation sections received from the block cipher server 190 (456). If the validity proof value of the definite degree of difficulty does not succeed even though all the operations are performed for the operation interval, the operation server 100 ends the operation of the proof value. On the other hand, if the effective operation proof value of the designated degree of difficulty is successfully computed during the operation of the operation period, the operation server 100 confirms the Nth block hash corresponding to the valid operation proof value and the valid operation proof value (460).

If the validity of the validity of the operation is verified through the operation server 100 or the wireless terminal and the block decryption of the Nth block corresponding to the effective validity value is confirmed, The block cipher server 190 provides the effective job proof value of the specified degree of difficulty and the N block decryption corresponding to the effective job proof value (464) N block hash is received (468).

The block cipher server 190 completes an effective Nth Nth Nth Lip block by substituting the received Nth unbuffered Lip block with the received Nth block validation value in step 472, The Nth document authentication block is generated (step 476), and the generated Nth document authentication block is stored in the designated block management DB and managed (step 480).

The block cipher server 190 provides an Nth document authentication block (or a completed NLip block) stored in the block management DB (484), and the operation server 100 transmits the Nth document authentication block NLL block) may be received and stored in the designated block management DB of the operation server 100 (488). Alternatively, the operation server 100 may provide (488) the Nth document authentication block (or Nth Lip block) to one or more interoperable wireless terminals, NLip block) may be received and stored in a designated storage area for management (492).

5 is a diagram illustrating a process of storing a receipt electronic document in the electronic document repository 195 according to an embodiment of the present invention.

FIG. 5 illustrates a process of storing a receipt electronic document with a recipient digital signature in the authorized electronic document repository 195 through the process of FIG. 3. In the description of the related art, , It is possible to refer to and / or modify this figure 5 to infer various implementations of the storage procedure of the receipt electronic document (e.g., omitting some steps or changing the sequence) However, the present invention is not limited to the above-described embodiments, and the technical features of the present invention are not limited only by the method shown in FIG.

Referring to FIG. 5, the operation server 100 checks (500) the acceptance electronic document to which the recipient electronic signature is attached through the process of FIG. 3, and transmits the acceptance electronic document to the electronic document repository 195, The receipt electronic document is requested to be archived (505).

The electronic document repository 195 receives the receipt electronic document with the recipient electronic signature from the operation server 100 and stores the receipt electronic document attached with the recipient electronic signature in the document archive DB 515). The operation server 100 responds to the operation server 100 with the result of storing the receipt electronic document in the document archive DB. The operation server 100 stores the receipt document in the electronic document repository 195 A result is set (525).

FIG. 6 is a diagram illustrating a process of processing an acceptance transaction based on a remittee certificate according to an embodiment of the present invention.

FIG. 6 illustrates a process of processing a recipient-side receiving transaction associated with a remitter-side transaction shown in FIG. 2 based on the recipient digital signature when the recipient digital signature is verified / verified through at least the process of FIG. Those skilled in the art will appreciate that reference to and / or modification of FIG. 6 may be applied to various implementations of the receiving transaction process (e.g., some steps may be omitted, However, the present invention includes all of the above-mentioned embodiments, and the technical features of the present invention are not limited by the method shown in FIG.

Referring to FIG. 6, after the recipient digital signature is verified / verified through the process of FIG. 3 (or after the recipient digital signature is verified / verified, the document authentication block including the receipt electronic document through the process of FIG. Or after storing the receipt electronic document with the recipient electronic signature in the electronic document repository 195 in the process of FIG. 5), the operation server 100 transmits the receipt information of the received information (600) corresponding to the information (600), and requests a receiving transaction for transferring the transaction amount from the remitter account to the receipt account via the financial company server (605).

The financial company server 180 releases the delay / lock setting for the withdrawal / transfer of the transaction amount deposited in the remitter account in accordance with the receipt transaction request (610), allows the transaction to be withdrawn from the remitter account, (615) to transfer money to the account corresponding to the account information. If the transaction amount is transferred to the receipt account in accordance with the receiving transaction procedure, the financial company server 180 generates a receipt transaction result by transferring the transaction amount to the receipt account, and returns it to the operation server 100 (620) , The operation server 100 receives the transaction result of transfer of the transaction amount from the financial company server 180 to the receipt account 625 and transfers the transaction amount to the receipt server 170 (630), and the recipient wireless terminal (170) receives and outputs the payment transaction result obtained by transferring the transaction amount to the payment account (635).

100: Operation server 105: Transaction request receiver
110: Remitter-side processing unit 115: Receiving information request unit
120: Receipt information confirmation unit 125: Account main authentication unit
130: electronic document generation unit 135: electronic signature processing unit
140: digital signature verification unit 145: block encryption processing unit
150: Electronic document storage unit 155: Receipt transaction processing unit
160: Transmitting wireless terminal 170: Recipient wireless terminal
180: financial company server 190: block password server
195: Electronic Document Archive

Claims (14)

A method executed via an operational server operating a money transaction between a remitter and a remitter,
A first step of receiving relief request information including remittance account information, transaction amount, and remittee wireless terminal information from the remitter wireless terminal;
A second step of delaying / locking the recipient electronic signature on the basis of the relief transfer request information or setting a delay / lock so that the transaction amount is not withdrawn / transferred from the remitter account corresponding to the remitter's account information without canceling the remitter's transaction;
A third step of requesting the receiver wireless terminal to receive information including the received account information through the receiver wireless terminal information and receiving the received information;
A fourth step of requesting and confirming the recipient's digital signature using the recipient's certificate;
A fifth step of verifying the recipient digital signature using the recipient's certificate; And
And a sixth step of transferring the transaction amount to the receiving account corresponding to the receiving account information of the receiving information by permitting the transfer of the transaction amount from the remitter account upon verification of the remittee digital signature, Safe transfer method.
The information processing apparatus according to claim 1,
Account information corresponding to the real account of the payee name,
Account information corresponding to the virtual account of the payee name,
And at least one of the account information input through the receiver's wireless terminal to receive the transaction amount.
The method according to claim 1,
The receiving information further includes payee identification information that uniquely identifies the payee,
When receiving information is received from the receiver wireless terminal,
Further comprising the step of providing the account information and remittee identification information to a financial institution server corresponding to the account information to perform a procedure for authenticating the account holder of the account receivable to the remittee corresponding to the remittee identification information Based on the recipient's credentials.
The method according to claim 1,
The receiving information further includes payee identification information that uniquely identifies the payee,
When receiving information is received from the receiver wireless terminal,
Further comprising the step of performing a procedure for confirming the real name of the recipient by providing the remittee identification information and the remittee wireless terminal information to the communication company server corresponding to the remittee wireless terminal information, Safe transfer method.
The method according to claim 1,
When receiving information is received from the receiver wireless terminal,
Checking the account state registration information of the receipt account through the financial institution server corresponding to the receipt account information, providing the account state registration information and the remittee wireless terminal information to the communication company server corresponding to the remittee wireless terminal information, Further comprising the step of performing a procedure of authenticating whether the stock is the subscriber of the remittee wireless terminal.
The method as claimed in claim 1,
Requesting the recipient wireless terminal for digital signature authentication using the recipient's certificate; And
And receiving digital signature-based authentication information using the recipient's certificate from the recipient's wireless terminal.
The method according to claim 1,
When receiving information is received from the receiver wireless terminal,
Further comprising the step of generating a receipt electronic document for receipt of the transaction amount by the recipient himself / herself including the relief request information and transaction details corresponding to the receipt information. Way.
The method according to claim 1,
The first step may further include receiving the content of the security transaction contract entered by the remitter,
When receiving information is received from the receiver wireless terminal,
Further comprising the step of generating a receipt electronic document including the safe transaction request information and the transaction content corresponding to the receipt information and including the content of the secure transaction agreement.
The method according to claim 1,
The first step may further include receiving a trusted transaction item selected by the remitter,
When receiving information is received from the receiver wireless terminal,
Further comprising the step of generating a receipt electronic document including the safe transaction request information and the transaction content corresponding to the receipt information and including the content of the secure transaction agreement corresponding to the secure transaction agreement item Based mobile safe transfer method.
The method according to claim 1,
When receiving information is received from the receiver wireless terminal,
Further comprising the step of generating a receipt electronic document including the contents of the safe deposit payment request information and the transactions corresponding to the receipt information and including the content of the automatically settled security transaction contract .
11. The method according to any one of claims 7 to 10,
Providing the receipt electronic document to the recipient wireless terminal to request a digital signature using the recipient's certificate; And
And receiving the recipient electronic signature obtained by digitally signing the receipt electronic document from the recipient wireless terminal through the recipient's certificate.
The method according to claim 1,
When a receipt electronic document including the safe transfer request information and transaction details corresponding to the receipt information is generated, the receipt electronic document is unidirectionally hashed with the specified hash algorithm and the generated hash value is transferred to a leaf node A root hash of the Merkle Tree including i hash values of at least i (i? 1) receiving docu- ments is generated, and the generated root hash and the designated difficulty (N > = 1) leaf block (Leaf Block) including the job certification value (Nounce) of the N provisioning block is generated and an Nth document authentication block in which i generation acknowledgment documents are attached to the generated Nth lip block And a block encryption step of causing the block management DB to store the block management DB to be stored in the designated block management DB.
13. The method of claim 12,
And providing said receipt document to a designated block cipher server,
The block cipher server generates a hash value by one-way hashing with the designated hash algorithm using the designated hash algorithm, and generates at least i (i > = 1) acceptance e-mails including the generated hash value as a leaf node A) generating a root hash (RH) of a merge tree including i hash values of the document;
B) generating a Nth unbuffered lip block including the block hash of the previous document authentication block and the generated root hash but not including the job proof value;
The block encryption server provides difficulty values of the Nth unfinished lip block and the designated proof of work (POW) to at least M (M? 1) operation servers associated with the block cipher server, C) requesting a distributed operation of the task proof value of the designated degree of difficulty for the Nth incomplete lip block;
Wherein the block cipher server obtains a valid work proof value which is the first operation succeeding from the m (1? M? M) operation server of any one of the M operation servers within the specified timeout and an Nth block error A step d) of receiving a poem; And
The block cipher server completes the Nth Lip block by substituting the calculated job proof value and the Nth block hash into the Nth incomplete Rip block and attaches i receipt document to the completed Nth Lip block And generating an Nth document authentication block based on the received authentication information.
The method according to claim 1,
When a receipt electronic document including the safe payment request information and the transaction contents corresponding to the receipt information is generated and the recipient electronic signature is attached to the receipt electronic document through the recipient's certificate,
Further comprising the step of storing the receipt electronic document with the recipient electronic signature in an authorized electronic document repository.

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