KR20190114536A - System and method for advance remittance before shipment based on block chain - Google Patents

Abstract

The present invention relates to a system and method for remitting trade payments in advance in accordance with international transactions. More particularly, the present invention relates to a system and method for transaction payment pre-remittance, which enhances security and convenience by utilizing a blockchain technique. According to an embodiment of the present invention, in a blockchain-based transaction payment pre-remittance system and method, an exporter and an importer can transfer payment for a product transaction through a network, while generating information of a transfer process in blocks at regular intervals, thereby improving security and reliability.

Description

Blockchain-based prepayment system and method {SYSTEM AND METHOD FOR ADVANCE REMITTANCE BEFORE SHIPMENT BASED ON BLOCK CHAIN}

The present invention relates to a system and method for remitting trade in advance in accordance with international transactions, and more particularly, to a system and method for remittance of transaction remarks for enhanced security and convenience by utilizing a block chain technique. .

E-commerce generally involves business-to-business (B2B), business-to-person (B2C) business-to-person (C2C) -to-customer (C2C), and business-to-government. Business to government (B2G), which includes not only the transfer of money through wired or wirelessly connected network systems, but also a series of activities such as purchasing, shipping, marketing, and providing services. Can be. In the case of international trade transactions between companies of different countries, a letter of credit is established at the importer's request that the bank, which has established a Letter of Credit, is committed to paying the specified amount if the exporter has received documents matching the terms of the credit. Methods, such as check remittance, mail transfer (M / T), telegraphic transfer (T / T), etc., using an individual or bank check, before the exporter ships the goods. There is a pre-transfer method of remittance by post transfer, and a post-transfer method of remittance after the exporter has shipped the goods and the importer receives the shipping documents.

The pre- and post-transfer method is mainly through payment by wire transfer (T / T), Figure 1 is a diagram showing the flow of the conventional pre-transmission process by wire transfer in international trade. Referring to FIG. 1, when a public contract is concluded between an exporter 10 and an importer 20, the exporter 10 submits an invoice to the importer 20, and the importer 20 receives an invoice. Visits the bank branch 30 and attaches the invoice to request remittance. After confirming the invoice at the bank branch 30, the remittance information is input to the importer 20 while the remittance information is input through the bank's internal computer network. When the importer 20 accesses the bank server 40 to confirm the remittance information and approves the remittance, the approval fact is transmitted to the bank branch 30 and the bank branch 30 sends the transaction price to the importer 10. You will send money (the dotted line is an offline process). Such a remittance method requires an importer 20 to directly visit a bank branch 30 to submit an invoice and to verify the invoice information, while the remittance process is cumbersome, while the invoice or related documents are forged. Since there is no way to confirm this from the exporter 10, there is a problem that the bank should bear the risks associated with the payment of trade.

As one method for solving this problem, Korean Patent Publication No. 10-1250972 (Electronic Trade Payment System and Method through M2M) provides buyers with trade settlement through online transactions using cash settlement through payment guarantee. Patent Publication No. 10-1017647 (International Trade Payment System and Method) discloses a method of performing international trade settlement using a bank loan system and a check card payment system. No. 10-0485330 (Recording medium storing a computer program source for the logistics / customs and customs refund processing system and method of import / export cargo using a communication network) shall be provided with a manifest or cargo delivery instruction for import / export cargo ( DELIVERY ORDER (D / O), a system for processing a shipping request (SHIPPING REQUEST), etc. are disclosed online. In addition, Korean Patent Publication No. 10-1493349 (Customs Logistics Fund Management System) is to separately set the risk management DB of the fund settlement module to prevent risk factors that may occur in the settlement process of logistics funds. A method is disclosed.

However, although the related art can confirm the information related to the export and import cargo through the network, since the remittance in the payment process of the trade transaction is processed in a centralized manner through the server of the bank, various banking business In addition, there is a problem of delaying the procedure, and there is a problem inherent in online banking, that is, there is still a weakness in security of the bank server.

Patent Registration No. 10-1250972 (2013.04.05) Patent Publication No. 10-1017647 (2011.02.28) Patent Registration No. 10-0485330 (2005.04.25) Patent Registration No. 10-1493349 (2015.02.13)

The present invention has been made to solve the above problems, and provides a blockchain-based prepayment system and method for enhancing the speed and security in the prepayment of the trade price by applying the blockchain technology through a distributed network. Its purpose is to.

In order to achieve the above object, the blockchain-based transaction payment remittance method of the present invention comprises the steps of receiving invoice information for a specific transaction from the terminal of the first customer, and the first transaction information based on the invoice information Generating, transmitting the first transaction information to a terminal of a second customer corresponding to a trading partner of the first customer, requesting an invoice approval, and receiving invoice approval information from the terminal of the second customer. And generating second transaction information based on the invoice approval information, transmitting the second transaction information to a banking system, and including the first transaction information or the second transaction information. Generating one block, the block including a hash value of at least a portion of the previous block; The chain lock may be formed.

The first transaction information may be generated using the public key of the second customer.

The second transaction information may be generated using a public key of the bank system.

The first transaction information and the second transaction information may be included in one block.

The first transaction information and the second transaction information may be included in two different blocks, respectively, and the two blocks may be included in one block chain.

The generating of the block may generate a block including all of the transaction information generated within a predetermined time interval.

The blockchain-based transaction payment remittance method may further include receiving a result of remittance to the first customer from the bank system.

The blockchain-based transaction payment remittance method may further include generating third transaction information based on the remittance result.

The blockchain-based transaction payment transfer method may further include generating a block including the third transaction information.

In addition, the blockchain-based transaction payment transfer method of the present invention comprises the steps of receiving invoice information for a specific transaction from the terminal of the customer, generating transaction information based on the invoice information, and the transaction information in the bank system And transmitting at least one block including the transaction information, wherein the block may include a hash value of at least a portion of the previous block to form a blockchain.

The transaction information may be generated using the public key of the bank system.

The blockchain-based transaction payment remittance method may further include receiving a result of remittance to a transaction counterpart of the customer from the bank system.

The blockchain-based transaction payment remittance method may further include generating second transaction information based on the result of the remittance.

The blockchain-based transaction payment transfer method may further include generating a block including the second transaction information.

In addition, the blockchain-based transaction payment transfer program receives the invoice information for a specific transaction from the terminal of the first customer, generating the first transaction information based on the invoice information, and the first customer Transmitting the first transaction information to a terminal of a second customer corresponding to a transaction counterpart, requesting an invoice approval, receiving invoice approval information from the terminal of the second customer, and based on the invoice approval information. Generating second transaction information, transmitting the second transaction information to a banking system, and generating at least one block including the first transaction information or the second transaction information, The block includes a hash value of at least a portion of the previous block to form a block chain. Can be stored in the medium.

In addition, the blockchain-based transaction payment remittance program of the present invention comprises the steps of receiving invoice information for a specific transaction from the terminal of the customer, generating transaction information based on the invoice information, and the transaction information in the bank system And generating at least one block including the transaction information, wherein the block includes a hash value of at least a portion of the immediately preceding block to form a blockchain. Can be stored.

According to the blockchain-based transaction payment advance remittance system and method according to an embodiment of the present invention, the exporter and the importer schedule the information of the remittance process while allowing the exporter and the importer to process the remittance for the goods transaction through the network. By creating blocks at time intervals, the security and reliability can be enhanced.

1 is a flow chart of a conventional pre-transmission process by wire transfer in international trade,
2 is an overall configuration diagram of a blockchain-based transaction payment pre-transmission system according to an embodiment of the present invention,
3 is a flowchart of a process of pre-transmission in a blockchain-based transaction payment pre-transmission system according to an embodiment of the present invention,
4 is an exemplary diagram of transaction information stored in a blockchain system according to a transfer result between an exporter and an importer in a blockchain-based transaction payment advance remittance system according to an embodiment of the present invention;
5 is an exemplary diagram of a block generated in a blockchain system based on a transaction processed in a transfer process between an exporter and an importer in a blockchain-based transaction payment advance remittance system according to an embodiment of the present invention;
6 is a screen example showing a process of checking the reliability of the block generated using the hash value of the previous block in the blockchain-based transaction payment pre-transmission system according to an embodiment of the present invention,
7 is a flowchart illustrating a process of performing a pre-transmission in a blockchain-based transaction payment pre-transmission system according to another embodiment of the present invention;
8 is an exemplary diagram of a block generated in a blockchain system based on a transaction processed in a transfer process between an exporter and an importer in a blockchain-based transaction payment advance remittance system according to another embodiment of the present invention. to be.

The terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the invention. As used herein, the singular forms “a,” “an,” and “the” include plural forms as well, unless the context clearly indicates the opposite. As used herein, the term "comprising" embodies a particular characteristic, region, integer, step, operation, element, and / or component, and other specific characteristics, region, integer, step, operation, element, component, and / or group. It does not exclude the presence or addition of.

Unless defined otherwise, all terms including technical and scientific terms used herein have the same meaning as commonly understood by one of ordinary skill in the art. Commonly defined terms used are additionally interpreted to have a meaning consistent with the related technical literature and the presently disclosed contents, and are not interpreted in an ideal or very formal sense unless defined.

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

2 is a block diagram of a blockchain-based transaction payment pre-transmission system according to an embodiment of the present invention. Referring to FIG. 2, the blockchain-based transaction payment advance remittance system of the present invention includes a terminal system 100 and 200 held by an exporter and an importer, a bank system 400 for a trade remittance, and a bank system. It may include a blockchain system 300 for intermediary trade remittance transfer between the exporter and the importer through interworking with the 400. Here, exporters and importers are terms used in the case of international transactions and may be referred to as sellers and buyers, sellers and buyers in a more comprehensive term, including domestic transactions.

The blockchain system 300 of the present invention applies a block chain-based mutual distributed ledger technology to secure the promptness and stability of advance remittance according to international trade. The blockchain stores and stores blocks in which transaction information is recorded in all members (exporters, importers, pre-transmission systems, and bank servers in the present invention) and newly created blocks through password authentication when new transactions occur. The method of connecting existing blocks is applied. To this end, the terminal 100 of the exporter and the terminal 200 of the importer, the blockchain system 300 and the bank system 400 constituting the pre-transmission system of the present invention simultaneously perform the role of a client and a server, and transfer money. It forms a peer-to-peer network that shares data and peripherals. When the blockchain technology is applied, a block that stores transaction details is generated every predetermined time, and the block is connected with a previously generated block to check the validity of the transaction. Each block contains current transaction information, hash values, information of previous blocks, etc., and is shared with all members, making it virtually impossible to manipulate a particular block externally.

However, in the present invention, it is also possible to use existing blockchain technology by modifying it. For example, in generating a block including a transaction history, a block may be generated every predetermined time, a block may be generated whenever a transaction history occurs, or a block may be generated by binding a predetermined number of transaction details. As such, the method of generating the block may be variously changed, and will be described below based on various possible embodiments.

The terminal 100 of the exporter and the terminal 200 of the importer, the blockchain system 300 and the bank system 400 are connected to each other via a wired network or a wireless network, and as a wired network, HomePNA, Ethernet Or IEEE 1394 may be used. As a wireless network, a mobile communication technology such as Code Division Multiple Access (CDMA), Wideband Code Division Multiple Access (WCDMA), or Long Term Evolution (LTE), or Bluetooth or NFC Short-range wireless communication technologies such as Near Field Communication, ZigBee, Magnetic Secure Transmission (MST), Beacon, or Wi-Fi may be used. In addition, it may be possible to use LoRa or Narrowband and Internet of Things (NB-IoT), which are large-scale low-power long-range wireless communication technologies that have recently been in the spotlight.

The terminal (100, 200) used by the exporter or importer is not only a PC using a wired network, but also a smart device that adds computer support functions such as high-speed data transmission and reception, internet communication and information retrieval through a wireless network. Various types of wireless terminals such as smart phones, mobile phones, portable notebooks and tablets may be used.

3 is a flowchart illustrating a process in which a pre-transmission is performed in a blockchain-based transaction payment pre-transmission system according to an embodiment of the present invention. Referring to Figure 3, the transaction payment advance remittance system of the present invention, as described above, the exporter 100 and importer 200, the blockchain system 300 and the bank system 400 to the P2P via the network As shown in the connected case, the exporter 100 and the importer 200 refer to a terminal capable of transmitting and receiving data through a wired network or a wireless network, respectively.

The exporter 100 concludes a supply contract for the goods to be supplied to the importer 200 with the importer 200. Supply contracts can be met in person to sign or seal the contract, or can be made online using electronic documents such as image files or PDF files.

After signing a supply contract with the importer 200, the exporter 100 connects to the blockchain system 300 to prepare an invoice in order to claim a transaction price according to the contract. The blockchain system 300 receives the invoice information prepared by the exporter 100 and encrypts the invoice information, and uses the public key of the importer 200 for approval of the importer 200. At this time, the blockchain system 300 generates a first transaction information (transaction, Tx # 1) for the process of encrypting the invoice information of the exporter 100, and generates a block including the same. Each time a transaction is created, a block can be created to include the information, or a block can be generated to include a plurality of transaction information in association with other transactions. Alternatively, the transaction information may be generated periodically including transaction information generated at predetermined time intervals.

The importer 200 may request to provide the first transaction information Tx # 1 by accessing the blockchain system 300 and view the first transaction information Tx # 1. Accordingly, the blockchain system 300 transmits the first transaction information (Tx # 1) to the importer 200. The importer 200 decrypts the first transaction information (Tx # 1) using a private key and checks whether the invoice according to the supply contract with the exporter 100 is correct.

In the case of a normal invoice according to the supply contract, the importer 200 transfers the invoice to the blockchain system 300. The blockchain system 300 receiving the invoice approval message encrypts the invoice approval message by using the bank's public key to process the remittance through the bank system 400. In this process, the blockchain system 300 generates the second transaction information (Tx # 2) and includes it in the block.

In other words, the blockchain system 300 transfers the first transaction information (Tx # 1) based on the invoice information of the exporter 100 during the pre-transmission process according to the trade of the exporter 100 and the importer 200. The second transaction information Tx # 2 is generated based on the invoice approval information of the importer 200. In addition, a block is generated including the first transaction information Tx # 1 and the second transaction information Tx # 2 generated as described above. The first transaction information Tx # 1 and the second transaction information Tx # are generated. 2) may be included separately, or may include both the first transaction information (Tx # 1) and the second transaction information (Tx # 2).

Thereafter, the bank system 400 may request to provide the second transaction information Tx # 2 by accessing the blockchain system 300 and view the second transaction information Tx # 2. Accordingly, the blockchain system 300 transmits the second transaction information (Tx # 2) to the bank system 400.

The importer 200 may apply for remittance to the banking system 400 together with the invoice approval, but may receive a remittance application from the banking system 400 after receiving a message requesting remittance application. In general, the remittance application is carried out by the importer 200 is connected to the bank system 400 using a terminal such as a PC or smartphone. The bank system 400 confirming the transfer application of the importer 200 transfers the transaction amount to the designated account of the exporter 100.

In some cases, in exchange for providing such a transfer service, the blockchain system 300 may receive a certain percentage of the transfer amount as a fee from the bank system 400. At this time, the bank system 400 may provide the blockchain system 300 with the fee payment result of the remittance processing for the exporter. At this time, the blockchain system 300 may generate the third transaction information (Tx # 3) on the basis of the remittance processing result of the transaction price and further include it in the block.

The blockchain system 300 of the present invention encrypts the transaction information and the remittance result of the invoice creation and the invoice approval process in the process of remitting the transaction price of the exporter 100 and the importer 200 and processes it as a blockchain. This provides a stable and reliable remittance service.

In addition, in the above, the case in which the transaction information (Tx # 1, Tx # 2, Tx # 3) is encrypted and the block is generated in the blockchain system 300 of the present invention is described. The terminal 100 or the terminal of the importer 200 may be implemented to generate a block by encrypting the transaction information. In this case, the terminal 100 and the bank system 400 of the exporter 100 and the importer 200 may also generate a block including transaction information and share it with each other.

4 illustrates an example of transaction information stored in a blockchain system according to a result of remittance between an exporter and an importer in a blockchain-based transaction payment advance remittance system according to an embodiment of the present invention.

Referring to FIG. 4, the blockchain system 300 may store data necessary for remittance centering on a transaction price for each transaction between the exporter 100 and the importer 200. For example, consider the case where an AAA importer identifies as A123 a transaction that imports Canadian goods from a BBB exporter. The exporter BBB connects to the blockchain system 300 to prepare an invoice in order to request remittance of the transaction amount ($ 1,000). At this time, the BBB exporter is required to remit the transaction amount ($ 1,000) along with information about the importer (AAA) and the transaction item (Ghana) and the transaction value ($ 1,000) in the process of creating an invoice (B Bank 67890). Will be entered.

Meanwhile, the importer (AAA) receiving the invoice undergoes an invoice approval process through the blockchain system 300. In this process, the importer (BAA) inputs transaction related information (trade item, transaction price, etc.). This ensures the accuracy of the invoice information. In addition, the importer (AAA) is required to enter the account information (A bank 12345) for withdrawing the transaction price ($ 1,000) during the invoice approval process, thereby confirming the necessary information for the transfer of the transaction price ($ 1,000). The blockchain system 300 transmits the collected information to the bank system 400 so that the transfer of the transaction price is made. In this process, the blockchain system 300 generates the first transaction information (Tx # 1) based on the information input in the process of creating an invoice by the exporter, and the information input in the process of approving the invoice by the importer. Based on the second transaction information (Tx # 2) can be generated.

In addition, in order to confirm the transfer result of the transaction price, the transfer result may be received from the bank system 400 and used as the third transaction information (Tx # 3). The blockchain system 300 of the present invention generates the block using the first and second transaction information (Tx # 1, Tx # 2) or transfers the remittance result information (Tx # 3) received from the bank system 400. You can also create blocks. The blockchain system 300 may generate these blocks at regular time intervals, in which case the blocks may be generated for 10 minutes.

5 illustrates an example of a block generated in the blockchain system 300 based on a transaction processed in a remittance process between an exporter and an importer.

Referring to FIG. 5, a block generated by the blockchain system 300 may be divided into a header part and a body part, and the body part includes transaction information (Tx # 1, Tx # 2, Tx # 3, etc.). In this case, the body portion may be implemented to include only one transaction information according to an internal policy, or may be implemented to include a plurality of transaction information around a specific transaction, and all the transaction information occurring within a certain time interval It may be implemented to include.

Since the header part includes the hash value of the previous block and the hash value of the current block, it is possible to check whether a generated block is a normal block every time a block is generated. 6 is an exemplary view illustrating a process of checking the reliability of a block generated using a hash value of a previous block. The generated blocks (Block # 1, Block # 2, Block # 3, etc.) can be generated according to a certain generation cycle, and each time a block is created, the hash value of the previous block is referred to so that reliability of a series of blocks can be improved. It is possible to check continuously.

In this case, the hash value may be generated using various encryption algorithms, and typically, the SHA256 algorithm may be used. In addition, the header portion may further include information such as a version number of the program and a generation time of the block. The generation time of a block may be generated at a certain period, for example, every 10 minutes, and generates one block (block # 1, block # 2, etc.) including transaction information related to the transaction made within the generation period. can do.

In addition, in the blockchain-based transaction prepayment transfer system of the present invention, an importer may directly input an invoice, thereby omitting an invoice approval process. 7 is a flowchart illustrating a process in which a pre-transmission is performed in a blockchain-based transaction payment pre-transmission system according to another embodiment of the present invention. Referring to FIG. 7, invoice input and approval may be performed by the importer 200. In this case, since the exporter 100 does not necessarily require a network connection with the blockchain system 300 or the bank system 400, the exporter 100, the blockchain system 300, and the bank system ( 400) is connected to the P2P through the network and the remittance is possible.

In other words, the importer 200 having a supply contract with the exporter 100 connects to the blockchain system 300 through a network to create an invoice. At this time, since the approval of the importer 200 was made in the invoicing process, the approval of the additional importer 200 is not necessary. The blockchain system 300 receives the invoice information prepared by the importer 200 and encrypts the invoice information, using the public key of the bank system 400. At this time, the blockchain system 300 generates a first transaction information (transaction, Tx # 1) for the process of encrypting the invoice information of the importer 200, and includes it in the block.

Thereafter, the bank system 400 may request to provide the first transaction information Tx # 1 by accessing the blockchain system 300 and view the first transaction information Tx # 1. Accordingly, the blockchain system 300 transmits the first transaction information (Tx # 1) to the bank system 400, and requests the importer 200 to transfer the transaction price to the exporter 100. The bank system 400 confirming the transfer application of the importer 200 transfers the transaction amount to the designated account of the exporter 100.

In some cases, in exchange for providing such remittances, a certain percentage of the remittance amount may be paid from the bank system 400 as a fee, and the bank system 400 blocks the result of the remittance processing to the exporter along with the fee payment. May be provided to the chain system 300. At this time, the blockchain system 300 may generate the second transaction information (Tx # 2) based on the transfer result of the transaction price, and may further include it in the block.

Of course, even in the above case, not only the bank system 400 but also the terminal of the importer 200 may be implemented to encrypt the transaction information to generate a block. In this case, the terminal of the importer 200 and the bank system 400 may also generate a block including transaction information and share it with each other.

FIG. 8 is an exemplary diagram of a block generated in a blockchain system based on a transaction processed in a transfer process between an exporter and an importer in a blockchain-based transaction payment advance remittance system according to another embodiment of the present invention. to be.

Referring to FIG. 8, a block generated by the blockchain system 300 includes a body part including transaction information (Tx # 1, Tx # 2, etc.), a hash value of a previous block, and a hash value of a current block. It may consist of a header portion. Similarly, since the newly created block refers to the hash value of the previous block, it is possible to check whether the generated block is a normal block every time a block is generated.

Although the embodiments of the present invention have been described above with reference to the accompanying drawings, those skilled in the art to which the present invention pertains may be embodied in other specific forms without changing the technical spirit or essential features of the present invention. It will be understood that. Therefore, it should be understood that the embodiments described above are exemplary in all respects and not restrictive. The scope of the present invention is shown by the following claims rather than the detailed description, and all changes or modifications derived from the meaning and scope of the claims and their equivalents should be construed as being included in the scope of the present invention. do.

10, 100: exporter 20, 200: importer
30: bank branch 40: bank server
300: blockchain system 400: banking system

Claims (16)

Receiving invoice information for a specific transaction from a terminal of the first customer;
Generating first transaction information based on the invoice information;
Transmitting the first transaction information to a terminal of a second customer corresponding to a counterparty of the first customer, and requesting an invoice approval;
Receiving invoice approval information from the terminal of the second customer;
Generating second transaction information based on the invoice approval information;
Transmitting the second transaction information to a banking system; And
Generating at least one block including the first transaction information or the second transaction information,
The block comprises a hash value of at least a portion of the previous block to form a blockchain blockchain-based transaction remittance method.
The method of claim 1,
The first transaction information is a blockchain-based transaction price pre-transmission method of generating using the public key of the second customer.
The method of claim 1,
The second transaction information is a blockchain-based transaction payment pre-transmission method generated using the public key of the bank system.
The method of claim 1,
And the first transaction information and the second transaction information are included in one block.
The method of claim 1,
The first transaction information and the second transaction information are each included in two different blocks,
The two blocks are included in one blockchain blockchain-based transaction payment transfer method.
The method of claim 1,
The generating of the block comprises a blockchain-based transaction payment transfer method for generating a block including all transaction information generated within a predetermined time interval.
The method of claim 1,
Receiving the result of the remittance to the first customer from the bank system further comprising the blockchain-based transaction payment transfer method.
The method of claim 7, wherein
And generating third transaction information based on the result of the remittance.
The method of claim 8,
The blockchain-based transaction payment transfer method further comprising the step of generating a block including the third transaction information.
Receiving invoice information for a specific transaction from a terminal of the customer;
Generating transaction information based on the invoice information;
Transmitting the transaction information to a banking system; And
Generating at least one block including the transaction information;
The block comprises a hash value of at least a portion of the previous block to form a blockchain blockchain-based transaction remittance method.
The method of claim 10,
The transaction information is a blockchain-based transaction payment transfer method generated using the public key of the bank system.
The method of claim 10,
Receiving the result of the remittance to the transaction counterpart of the customer from the bank system further comprising the blockchain-based transaction money transfer method.
The method of claim 12,
And generating second transaction information based on the result of the remittance.
The method of claim 13,
And generating a block including the second transaction information.
In a blockchain system that works with a banking system through a network,
Receiving invoice information for a specific transaction from a terminal of the first customer;
Generating first transaction information based on the invoice information;
Transmitting the first transaction information to a terminal of a second customer corresponding to a counterparty of the first customer, and requesting an invoice approval;
Receiving invoice approval information from the terminal of the second customer;
Generating second transaction information based on the invoice approval information;
Transmitting the second transaction information to a banking system; And
Generating at least one block including the first transaction information or the second transaction information,
The block is a blockchain-based transaction remittance program stored in the medium for performing a process of forming a blockchain including a hash value of at least a portion of the previous block.
In a blockchain system that works with a banking system through a network,
Receiving invoice information for a specific transaction from a terminal of the customer;
Generating transaction information based on the invoice information;
Transmitting the transaction information to a banking system; And
Generating at least one block including the transaction information;
And the block includes a hash value of at least a portion of the immediately preceding block, and the blockchain-based transaction prepayment program stored in the medium for performing a process of forming a blockchain.

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