KR20200037469A - The Convenient and Safe Method to intermediate Direct Financing utilizing Public key - Google Patents

Abstract

A convenient and safe method of intermediating direct financing by using a public key comprises the steps of: receiving a predetermined authentication completion transmission file including a predetermined sender communication ID, predetermined financial requester identification information, predetermined financial request condition information, and predetermined financial request commitment information from a predetermined authentication server (A); storing the financial requester identification information and the financial request condition information received in step (A) by matching predetermined financial request transaction identification information to a predetermined DB (B); receiving a predetermined authentication completion transmission file including at least one of predetermined reservation identification information, predetermined financial provider identification information, and predetermined financial supply commitment information which can be matched with financial request transaction identification information from the predetermined authentication server (C); and transmitting the information including predetermined financial contract information to one or more of the terminals matching the authentication server for the financial requester identification information (D).

Description

The convenient and safe method to intermediate direct financing utilizing public key

The present invention relates to an electronic communication system and method, and more specifically, it communicates electronically with a device of a direct financial applicant and a device of a direct financial provider, and enables users to conveniently search for a partner who meets each other's conditions and sign a financial contract. In addition, it relates to a communication system and method for preventing any one of the contracts from being distorted.

Through direct financing, which excludes financial intermediaries such as banks, financial providers and financial applicants share the expected margin that the existing financial intermediaries have occupied, thereby guaranteeing higher interest rates and financial applicants with lower interest rates. The move to get finance is spreading around P2P loan brokerage providers.

However, in the case of the conventional direct financing method by relaying information of P2P loan intermediaries, direct financing providers rely on the loan risk assessment data provided by P2P lending intermediaries to decide whether to sign a loan agreement with direct financing applicants. In this case, there is an inconvenience (hereinafter referred to as "loan risk evaluation objectivity limit"), in which the dependence on the subjective lending risk assessment of P2P lenders whose credit rating ability has not been verified is increased.

In addition, if you want to reflect the subjective evaluation of direct financial providers on the risk of falling prices of collaterals (for example, subjective assessments that apartments in a specific area are expected to rise in price, it is a relatively safer collateral), demanding various direct loans by hand There is an inconvenience (hereinafter referred to as "comparative subjective evaluation index manual comparison work") of collecting and comparing information on the collateral items.

In addition, if the collateral setting is included as a condition among the case where the money demander and the fund provider want to enter into a fund supply contract with each other, the inconvenience of setting up troublesome collateral such as signing with a lawyer offline and signing by hand (hereinafter) It is called "collateral setting face-to-face inconvenience").

In addition, the inconvenience of not being able to rule out the possibility of distorting the contents of a financial contract concluded in a non-face-to-face relationship with one of the fund consumers and the fund providers (hereinafter referred to as "contract distortion risk") can also be excluded. none.

Accordingly, the object of the present invention is to improve the safety of financial providers by reducing the "loan risk evaluation objectivity limitation" and "subjective subjective evaluation index manual comparison", and reducing the "contract distortion risk inconvenience" to reduce financial providers and financial applicants. The aim is to improve the safety of all and reduce the "convenience in face-to-face operation" to improve the convenience of both financial providers and financial applicants.

A method of conveniently and securely relaying direct finance using the public key of the present invention in order to achieve the above object. In one embodiment, the financial applicant terminal accesses the financial relay server by a known method, and the 'blockchain account of the financial applicant. Creating first to second transmission target data including financial application condition information including identification information, financial application amount and collateral building identification information, and predetermined financial application commitment information; Create 1-2 transaction data including 'Blockchain Account Identification Information of Financial Applicant as Sender Identification Information', 'Blockchain Account Identification Information of Financial Relay Server as Receiver Identification Information', and 1-2 Target Data , Calculates the hash value of the 1-2 transaction data, encrypts the hash value with the financial applicant's blockchain account secret key, generates an electronic signature, and relays the matching 1-2 transaction data with the matching electronic signature Transmitting to a server and storing in a standby transaction DB; The financial relay server calculates the hash value of the 1-2 transaction data, retrieves the public key matching the 'blockchain account identification information of the financial applicant' from the identity authentication DB, decrypts the electronic signature with the public key, Determining whether the decrypted value matches the hash value; If the judgment is affirmative, the user of the predetermined credit information server is stored in the standby transaction DB by storing the '1-2 transaction data matching the electronic signature' and matching the predetermined financial application transaction identification information in the financial relay DB. ID and 'Blockchain Account Identification Information of Financial Applicants, Financial Application Amount and Financial Application Condition Information', extracted from the data subject to transfer in the 1-2 transaction data, and the financial transaction transaction identification. Transmitting the information and the virtual user ID for the credit information server and a predetermined credit information server access address to the financial applicant terminal; In the financial applicant's terminal, the 'real name ID as the credit information applicant identification information and credit evaluation target identification information' and 'blockchain account identification information of the financial relay server as the credit information target identification information' and the virtual user ID for the credit information server and predetermined Fill out a prescribed electronic application for providing credit information including credit information provision application information, 'Blockchain account identification information of the financial applicant as sender identification information' and 'Blockchain account identification information of the credit information server as recipient identification information' and Creates predetermined credit information provision transaction data including the credit information provision electronic application, calculates the hash value of the credit information provision application transaction data, and encrypts the hash value with the blockchain account secret key of the financial applicant to electronically Create a signature and credit the credit information provision application transaction data matching the electronic signature Sent to the beam server, and storing the waiting transaction DB; The credit information server calculates the hash value of the credit information provision application transaction data, decrypts the electronic signature with the 'public key matched to the blockchain account identification information of the financial applicant as the sender identification information', and decrypts the decrypted value Determining whether and the hash values match; If the above judgment is affirmative, in the credit information DB, the predetermined credit information matching the 'real name ID as the identification information of the applicant for providing credit information included in the electronic application for providing credit information included in the predetermined credit information providing transaction data' Searching and creating a predetermined credit information notification message including the 'virtual user ID for the credit information server included in the credit information providing electronic application' and the credit information; In the credit information server, 'blockchain account identification information of the credit information server as sender identification information' and 'blockchain account identification of the financial relay server included as credit identification target information in the credit information providing electronic application' as recipient identification information Information 'and the credit information providing transaction data including the full credit information notification, creating a hash value of the credit information providing transaction data, and encrypting the hash value with the secret key of the credit information server to generate an electronic signature And transmitting the credit information providing transaction data matching the electronic signature to the financial relay server; The financial relay server calculates the hash value of the credit information providing transaction data, decrypts the electronic signature with the 'public key matching the blockchain account identification information of the credit information server', decrypts the decrypted value and the hash Determining whether the values match; If the judgment is affirmative, the credit information providing transaction data matching the digital signature is stored in the standby transaction DB of the financial relay server, and the credit information notification included in the credit information providing transaction data is stored in the financial relay DB. Storing the 'credit information included in the credit information notification message' by matching the virtual user ID for the credit information server included in the message; The financial relay server inquires predetermined price information and restricted voucher setting information matching 'collateral building identification information included in the financial application condition information', and uses the price information and the restricted voucher setting information to set a predetermined priority setting ratio Calculating, matching the collateral building identification information in the financial relay DB and storing the inquired information and the priority setting ratio; The financial provider terminal accessing the financial relay server, and transmitting predetermined financial application search condition information including predetermined 'collateral type identification information and collateral item identification information'; Extracting, from the financial relay server, the financial application commitment information that satisfies all of the financial application search conditions in the financial relay DB together with the 'matched, credit information, and prioritization ratio, etc.' and transmitting it to the financial provider terminal; Selecting one of the financial application commitment information from the financial provider terminal and inputting a predetermined financial supply amount; In the financial provider terminal, 'the financial provider's blockchain account identification information, the financial provider's real name ID, and the financial application transaction identification information matching the financial application commitment information, the financial supply amount and a predetermined financial supply commitment information Prepare the 2-2 transmission target data, 'Blockchain account identification information of the financial provider as sender identification information' and 'Blockchain account identification information of the financial relay server as recipient identification information' and the 2-2 transmission target Creates the prescribed 2-2 transaction data including data, calculates the hash value of the 2-2 transaction data, encrypts the hash value with a 'financial key of the blockchain account of the financial provider', and encrypts the electronic signature. Generating, transmitting the matching 2-2 transaction data to the financial relay server, and storing the matched electronic signature in a standby transaction DB; Decrypting the digital signature with the 'public key matched to the blockchain account identification information of the financial provider' by the financial relay server, and determining whether the decrypted value matches the hash value; If the judgment is affirmative, the financial intermediary server will display the 'blockchain account identification information of the financial applicant as escrow beneficiary identification information', the predetermined escrow account ID, 'predetermined financial contract identification information as cause transaction identification information', and 'escrow amount. Create a predetermined second escrow application file including the prescribed amount of financial contract as', 'predetermined set billing amount', 'the above-mentioned collateral item identification information as set object identification information', and the loan deposit account ID, and create the prescribed financial contract. Transmitting the escrow billing information to the financial provider terminal including the signing information and the second escrow application file; At the financial provider terminal, the specified 5th transaction data including 'blockchain account identification information of the financial provider as sender identification information' and 'blockchain account identification information of the escrow server as recipient identification information' and the second escrow application file are provided. Create, calculate the hash value of the fifth transaction data, encrypt the hash value with the 'blockchain account secret key of the financial provider' to generate an electronic signature, and the fifth transaction data matching the electronic signature Send it to the escrow server, store it in the standby transaction DB, write a prescribed remittance request message including 'the amount of the financial contract as a withdrawal amount', withdrawal account ID and 'the above escrow account ID as a deposit account ID', and write the 'sender identification information. 'Blockchain account identification information of financial providers as' and 'Blockchain account identification information of bank servers as recipient identification information' and the transfer request Create the sixth transaction data including the full text, calculate the hash value of the sixth transaction data, encrypt the hash value with the 'blockchain account secret key of the financial provider', generate an electronic signature, and generate the electronic signature Transmitting the sixth transaction data matched to the bank server; The bank server calculates the hash value of the sixth transaction data, decrypts the electronic signature with the 'public key matched to the blockchain account identification information of the financial provider as the sender identification information', decrypts the decrypted value and the hash value Determining whether they match; If the judgment is affirmative, the account DB reduces the withdrawal account ID matching balance by the withdrawal amount, increases the deposit account ID matching balance with the withdrawal amount, and includes 'the deposit account ID' and 'the withdrawal amount as deposit' by the escrow server. Transmitting predetermined deposit information; The escrow server calculates the hash value of the fifth transaction data, decrypts the digital signature with the public key matched to 'blockchain account identification information included as the sender identification information included in the fifth transaction data, and decrypts the decrypted data. Determining whether a value matches the hash value; If the judgment is affirmative, the escrow server stores the 'five transaction data matching the digital signature' in the standby transaction DB, and 'the escrow account ID included in the second escrow application file included in the fifth transaction data. It is determined whether 'and' the deposit account ID included in the deposit information 'are identical, and' the amount of escrow included in the second escrow application file included in the fifth transaction data 'and' the deposit amount included in the deposit information ' Determining whether they match; The escrow server prepares a predetermined escrow completion notice including 'financial contract identification information as the cause transaction identification information, escrow deposit amount, set billing amount, set object identification information, and real name ID of the right holder,' and as' sender identification information. Blockchain account identification information of the escrow server 'and' blockchain account identification information of the financial applicant as the recipient identification information 'and the predetermined seventh transaction data including the escrow completion notice are prepared, and the hash value of the seventh transaction data Calculates, encrypts the hash value with the 'blockchain account secret key of the escrow server' to generate an electronic signature, transmits the seventh transaction data matched with the electronic signature to the financial applicant terminal, and sends it to the standby transaction DB. Storing; The financial applicant terminal calculates the hash value of the seventh transaction data, decrypts the digital signature with the 'public key matching the blockchain account identification information of the escrow server', and determines whether the decrypted value matches the hash value. Judging, extracting 'financial contract identification information and escrow deposit amount' as 'causal transaction identification information' from the 'Escrow Completion Notice included in the 7th transaction data', and determining whether the cause transaction identification information matches the financial contract identification information And determining whether the amount of escrow is equal to or greater than the amount of the financial contract; If both of the above judgments are positive, the financial applicant terminal stores the '7th transaction data matching the electronic signature' in the standby transaction DB, and the 'real name ID of the applicant and owner' and the real name ID of the holder and the 'setting' Fill out the prescribed registration electronic application including the target object identification information and the set billing amount, and 'Blockchain account identification information of the financial applicant as sender identification information' and 'Blockchain account identification information of the rights registration server as recipient identification information' And the eighth transaction data including the registered electronic application form, calculates the hash value of the eighth transaction data, and encrypts the hash value with the 'blockchain account secret key of the financial applicant' to generate an electronic signature. , Sends the eighth transaction data matching the electronic signature to the rights registration server, stores it in the standby transaction DB, and writes' Applicant identification information and real-name block block. Fill out the electronic application for certain real-name information provision, including 'blockchain account identification information of financial applicants as personal account identification information' and 'blockchain account identification information of rights registration server as real-name identification target information', and 'sender identification' Blockchain account identification information of financial applicants as information ',' Blockchain account identification information of bank servers as recipient identification information ', and predetermined ninth transaction data including the electronic application for providing real name information are prepared, and the ninth transaction is created. Calculate the hash value of the data, encrypt the hash value with the 'blockchain account secret key of the financial applicant' to generate an electronic signature, transmit the ninth transaction data matching the electronic signature to the bank server, Stored in the standby transaction DB, the 'financial contract identification information, escrow deposit amount, set billing amount, set object identification information and set owner's room Fill out the prescribed escrow deposit electronic application including 'name ID', 'Blockchain account identification information of the financial applicant as sender identification information' and 'Blockchain account identification information of the escrow server as recipient identification information' and the escrow deposit electronics Create the 10th transaction data including the application form, calculate the hash value of the 10th transaction data, and encrypt the hash value with the 'blockchain account secret key of the financial applicant' to generate an electronic signature, ' Transmitting the tenth transaction data matching the digital signature to an escrow server and storing it in a standby transaction DB; The bank server calculates the hash value of the ninth transaction data, decrypts the electronic signature with the 'public key matched to the blockchain account identification information of the financial applicant as sender identification information', decrypts the decrypted value and the hash value Determining whether they match; If the judgment is affirmative, the bank server stores the '9th transaction data matching the digital signature' in the standby transaction DB, retrieves the real name ID matched to the real-name block chain account identification information in the identity authentication DB, and , Create a predetermined real-name electronic confirmation including the real-name subject blockchain account identification information and the real-name ID, and select the 'blockchain account identification information of the bank server as sender identification information' and 'the right registration server as the recipient identification information. Blockchain account identification information 'and predetermined real 11th transaction data including the real-name electronic confirmation are created, the hash value of the 11th transaction data is calculated, and the hash value with the' blockchain account secret key of the bank server ' To generate an electronic signature, and transmit the 'the eleventh transaction data matching the electronic signature' to the rights registration server and store it in the standby transaction DB. Intestinal stage; The rights registration server calculates the hash value of the eighth transaction data, decrypts the electronic signature with the 'public key matched to the blockchain account identification information of the financial applicant,' and the hash value matches the decrypted value. Whether it is determined, calculate the hash value of the eleventh transaction data, decrypt the digital signature with the 'public key matched to the blockchain account identification information of the bank server', and whether the decrypted value and the hash value match Judging; If all of the above judgments are positive, the right registration server stores the '8th transaction data with the electronic signature match and the 11th transaction data with the electronic signature match' in the standby transaction DB, and the 'right 8Retrieving the real name ID matched to the set object identification information included in the registered electronic application included in the transaction data, and in the 'Real name electronic confirmation included in the 11th transaction data', the 'real name matching target blockchain account matched with each other' Extract the identification information and real name ID, and extract the 'real name ID of the applicant and owner and the real name ID of the applicant and the set object identification information and the set bill' from the registered electronic application form, and 'extract from the eighth transaction data' By matching the 'Blockchain Account Identification Information of the Financial Applicant' as the Sender Identification Information with the 'Blockchain Account Identification Information to be Extracted from the Real Name Electronic Confirmation' above. And the 'real name ID retrieved from the right proof DB' and 'real name ID of the applicant and owner extracted from the registered electronic application' and 'real name ID extracted from the real name electronic confirmation' are all matched against each other. Determining whether or not; If all the judgments are positive, the right registration server, in the set transaction DB, matches the set object identification information, and the set billing amount and the 'real name ID of the set owner as collateral holder identification information' are stored and set Transmitting predetermined collateral setting completion information including target object identification information, 'set amount matching the set bill' and the collateral holder identification information to an escrow server; The escrow server calculates the hash value of the tenth transaction data, decrypts the digital signature with the 'public key matched to the financial applicant's blockchain account identification information', and determines whether the decrypted value and the hash value match To do; If the judgment is affirmative, extract the record matching the 'Escrow deposit electronic application' from the escrow DB of the escrow server, and from the record, the 'Escrow account ID, the escrow amount, the set billing amount, the set identification information and the financial provider. Extracts the real name ID and the escrow payment account ID of ', and the extracted' identification of the set target object and the set claim and the real name ID of the financial provider 'are both included in the above collateral setting completion information, respectively. Determining whether the information and the set amount and collateral rights identification information are consistent; If the judgment is positive, performing an operation required to transfer the 'escrow amount' from the 'escrow account ID' to the 'escrow payment account ID' at the escrow server; Extracting transaction data matching the corresponding generation cycle from one or more of the respective devices constituting the standby transaction DB in accordance with a predetermined block chain generation cycle along with the matching electronic signature; The apparatus calculates a root hash value using 'the extracted transaction data and digital signatures', calculates a hash value of the block header of the immediately preceding block, and hash value and the root hash value of the immediately preceding block header. Creating a predetermined block header including and creating a predetermined block including the block header and the extracted transaction data and digital signatures; And in the devices, calculate the hash value of the created block header, encrypt the hash value with the blockchain account secret key of the device, generate an electronic signature, and match the electronic signature with the peer nodes of the device. Transmitting one block '; It includes.

According to the exemplary embodiment of the present specification, it is possible to compare loan risks by conveniently contrasting the price-to-priority setting ratio advertised by the objective price research organization. In addition, the objective credit information of the money consumer can be conveniently filtered online, so that it is possible to compare each loan opportunity as to whether it can cover the expected risk in case of insufficient security. Therefore, the “loan risk assessment objectivity limit inconsistency” is reduced.

In addition, it is possible to limit the search target to a specific area or a specific type by reflecting the subjective evaluation that the risk of a price drop is low for a specific area or a certain type of collateral, reducing the inconsistency in manual comparison of the subjective evaluation index.

In addition, if the fund provider indicates the intention of the contract online, for the conditions proposed by the money consumer online, the security right is automatically registered in the right registration server, which reduces the inconvenient manual work on the collateral setting.

In addition, the 'financial request for financial applicants' and 'supplier for financial supply commitments', which are the basis of the financial contract summary, are prepared using the 'secret key matching the public key of the relevant contractor'. Electronic signatures are matched and automatically stored in a distributed ledger configured in each device participating in a predetermined block chain network. Even if one of the future collides with a P2P loan broker, records stored in many of the distributed ledgers All are difficult to counterfeit, reducing the "contract distortion risk inconvenience".

1 is a block diagram of a device for conveniently and safely relaying direct finance according to the present invention.
2 is a method of conveniently and safely relaying direct finance according to the present invention. In one embodiment, an embodiment of an operation of safely storing secret information frequently used by the financial applicant and the financial provider of the present invention in advance in each terminal is described. It is a drawing.
3 is a method of conveniently and safely relaying direct finance according to the present invention, in one embodiment, the operation of registering the real name ID of each financial applicant and the financial provider of the present invention on a network of the present invention. It is a diagram for explaining an embodiment.
4 to 7 is an embodiment of a method for conveniently and safely relaying direct finance according to the present invention, after the financial application confirmation information transmitted from the financial applicant terminal is first stored in the financial relay server, the financial provider uses the financial provider terminal. It is a flow chart showing an embodiment of using a notary server during an operation in which a direct financial contract is concluded by retrieving the financial application commitment information and transmitting the financial supply commitment information.
8 to 10 is an embodiment of a method for conveniently and safely relaying direct finance according to the present invention, after the financial application confirmation information transmitted from the financial applicant terminal is first stored in the financial relay server, the financial provider uses the financial provider terminal. It is a flowchart showing an embodiment of not using a notary server during an operation in which a direct financial contract is concluded by retrieving the financial application commitment information and transmitting the financial supply commitment information.
11 and 12 is an embodiment of a method for conveniently and safely relaying direct finance according to the present invention, after the financial application commitment information transmitted from the financial applicant terminal is first stored in the financial relay server, the financial provider uses the financial provider terminal. It is a flow chart showing an embodiment using a notary server during an operation in which a direct financial contract is concluded by transmitting financial supply commitment information without retrieving the financial application commitment information.
13 is a method of conveniently and safely relaying direct finance according to the present invention. As a result, the financial application commitment information transmitted from the financial applicant terminal is first stored in the financial relay server, and then the financial provider uses the financial provider terminal to apply for finance. It is a flow chart showing an embodiment in which a notary server is not used during an operation in which a direct financial contract is concluded by transmitting financial supply commitment information without retrieving the commitment information.
14 and 15 is a method of conveniently and safely relaying direct finance according to the present invention. As an example, the financial reservation information transmitted from the financial provider terminal is first stored in the financial relay server, and then the financial applicant uses the financial applicant terminal. It is a flow chart showing an embodiment of using a notary server during an operation in which a direct financial contract is concluded by transmitting financial application confirmation information.
16 and 17 is a method of conveniently and safely relaying direct finance according to the present invention. As a financial relay server, the financial supply reservation information transmitted from the financial provider terminal is first stored, and then the financial applicant uses the financial applicant terminal. It is a flow chart showing an embodiment of not using a notary server during an operation in which a direct financial contract is concluded by transmitting the financial application confirmation information.
18 to 20 are methods for conveniently and safely relaying direct financing according to the present invention, as an embodiment of the embodiments of FIGS. 4 to 7 and the embodiments of FIGS. 11 and 12 and 14 and 15 is a flow chart showing an embodiment using a notary server during an operation in which a direct financial contract concluded according to one of the embodiments is performed.
21 to 23 is an embodiment of a method for conveniently and safely relaying direct finance according to the present invention, 'the embodiments of FIGS. 8 to 10' and 'the embodiments of FIG. 13' and '16 and 17 ' This is a flow chart showing an example in which the right registration server and the bank server do not participate in the blockchain network among the embodiments in which the notary server is not used during the operation of the direct financial contract concluded according to one of the embodiments.
24 to 26 are exemplary embodiments of a method for conveniently and safely relaying direct finance according to the present invention, 'the embodiments of FIGS. 8 to 10' and 'the embodiments of FIG. 13' and '16 and 17 ' It is a flow chart showing an example in which the right registration server and the bank server also participate in the blockchain network among the embodiments in which the notary server is used during the operation of the direct financial contract concluded according to one of the embodiments.
27 is a method of conveniently and safely relaying direct finance according to the present invention, as shown in FIGS. 8 to 10 and 13 and 16 and 17 and 21 to 23 and 24 to 26 'is a flowchart illustrating an embodiment in which transaction data created and transmitted according to the embodiments are distributedly stored in a blockchain network.
28 and 29 are examples of a method for conveniently and safely relaying direct finance according to the present invention, as shown in FIGS. 8 to 10 and 13 and 16 and 17 and 21 to 23. And 'transaction data created and transmitted according to the embodiments of FIGS. 24 to 26' are distributedly stored in the authority nodes of the blockchain network, and the proof of existence of each transaction data is distributedly stored in all nodes of the blockchain network. Operation is a flow chart showing one embodiment.

Hereinafter, the present invention will be described in detail so that those skilled in the art can easily understand and reproduce it through preferred embodiments described with reference to the accompanying drawings. In the description of the present invention, when it is determined that detailed descriptions of related well-known functions or configurations may unnecessarily obscure the subject matter of embodiments of the present invention, detailed descriptions thereof will be omitted. The various embodiments of the present invention are different, but need not be mutually exclusive. For example, specific shapes, structures, and characteristics described in connection with specific embodiments of the present invention may be implemented as other embodiments without departing from the spirit and scope of the present invention.

In addition, the position or arrangement of individual components in each embodiment may be variously changed within the limits without departing from the spirit and scope of the present invention. The following detailed description is not intended to limit the present invention, and the terms used in the detailed description are selected for readability or convenience of description.

Terms used throughout the specification of the present invention are terms defined in consideration of functions in the embodiments of the present invention, and may be sufficiently modified according to intentions, industry conventions, and the like of a financial relay server operator or a notary server operator. , Definitions of these terms should be made based on the contents throughout this specification. On the other hand, when the same reference numerals are used in a plurality of drawings, the same reference numerals refer to the same or similar functions for various embodiments.

In addition, the term "financial provider" referred to in this specification means a user who accesses the financial relay server of the present invention in order to provide necessary funds to financial applicants through 'one or more of loan and bond transfer and equity investment' by direct financial methods. do.

In addition, "financial provider identification information" referred to in this specification collectively refers to information for identifying a specific financial provider from other financial providers. Accordingly, account identification information uniquely assigned to a specific financial provider by the financial relay server, blockchain account identification information uniquely assigned to the specific financial provider in a predetermined blockchain network, and a specific communication company uniquely assigned to the specific financial provider A communication ID, a real name ID uniquely assigned by a specific national institution to the specific financial provider, etc. may be exemplary embodiments of financial applicant identification information.

In addition, the term "financial applicant" referred to in this specification means a user who accesses the financial relay server of the present invention in order to receive necessary funds from a financial provider through 'one or more of loan and bond transfer and equity investment' by direct financial methods. do.

In addition, "financial applicant identification information" cited in this specification collectively refers to information for identifying a specific financial applicant with other financial applicants. Accordingly, account identification information uniquely assigned to a specific financial applicant by the financial relay server, blockchain account identification information uniquely assigned to the specific financial applicant in a predetermined blockchain network, and a specific communication company uniquely assigned to the specific financial applicant A communication ID, a real name ID uniquely assigned by a specific national institution to the specific financial applicant, etc. may be exemplary embodiments of financial applicant identification information.

In addition, the "financial applicant credit rating list" cited in this specification includes identification information of the credit rating range of the financial applicant (eg, "OO credit rating 1 grade", "OO credit rating 2 grade", "OO credit rating 3 grade") ,?, "All"), and 'Radio buttons, check boxes, and one or more sets of boxes and areas on the screen' are output. When a specific button or box or area is selected, the matched credit rating identification information Is a generic term for the output to be input to the device as selected.

In addition, "financial application confirmation information" cited in this specification collectively refers to a series of information related to finance applied for by a specific financial applicant. Accordingly, the set of financial applicant identification information, collateral building identification information, price information, priority setting amount, credit information, financial application amount, and interest rate limit of the financial applicant, which are matched and stored in the financial relay DB configured in the financial relay server of the present invention, It can be an embodiment of specific financial application commitment information.

In addition, "financial supply commitment information" referred to in this specification collectively refers to a series of information related to finance committed by a specific financial provider.

In addition, the "node" referred to in this specification can create predetermined transaction data, create a predetermined block using one or more transaction data, and transmit it to one or more peer nodes, and verify the block received from the peer node. It means a computer device that can be stored.

In addition, the term "terminal" referred to herein refers to a communication device used by the service user to access various servers cited in this specification and use the services provided by each server. Accordingly, the "financial applicant terminal" and the "financial provider terminal" referred to in this specification become one embodiment of the "terminal" above.

Also, the "collateralized product price range list" cited in this specification is identification information about the price range of the collateral (eg, "100 million or less", "100 million or more, 500 million or less", "500 million or more, or 1 billion or less", " A set of one or more of the radio buttons, checkboxes, boxes, and areas on the screen that match "over 1 billion and under 2 billion", "over 2 billion and under 3 billion", "over 3 billion", "all") 'This is the output, and when a specific button, box, or area is selected, the identification information for the price range of the collateral is selected and collectively refers to the output that is input to the device.

In addition, the "secured material type identification information" cited in the present specification means identification information given to a set of collaterals having similar characteristics in a predetermined method. Accordingly, apartments, tenements, detached houses, office buildings, shopping malls, lands, paddy fields, fields, forests, roads, trade receivables, copyrights, mortgage rights, etc., may be one embodiment of the collateral item type identification information.

In addition, the "list of collateral items type" referred to in the present specification means that one or more collateral items type identification information is matched with a predetermined box and output.

In addition, the "root hash value" referred to in this specification means a hash value in which hash values of each transaction data included in a predetermined block are compressed into a Merkle tree structure or other predetermined structure using a predetermined hash function.

In addition, the "master password" cited in this specification is a password selected and memorized by a user, and means a password that does not need to be exposed or stored to a customer terminal or anyone in the world, as well as to external devices such as a bank server or a money transfer server.

In addition, the "security area" referred to in this specification is a specific area of a storage unit configured in a terminal, and refers to an area that cannot be viewed from the outside or is very difficult. Keystore when the OS of the terminal is Android, Keychain when the OS of the terminal is iOS, and the CPU of the terminal is operated by a security OS independent of the open OS and controlled only by a specific admin agent configured in the authentication server. When a logical block '(hereinafter referred to as "Trusted Zone") is configured, a Trusted Zone or the like may be one embodiment of the security zone.

In addition, "personal authentication information" referred to in this specification collectively refers to information that a user must present to the server to prove that he / she is "a person corresponding to a specific user ID registered on the server." Therefore, the user matches his user ID and submits it to the 'one or more of the fund relay server 100, the rights registration server 400, and the notary server' and registers the passwords (hereinafter referred to as "password for the fund relay server" and "right registration") "Password for server" and "Password for notary server") may be an embodiment of the user's authentication information of the user in the corresponding server.

In addition, the term "block" referred to in the present specification refers to "the transaction data" from "the sender matching the blockchain account identification information as the sender identification information included in the transaction data" from "the transmission target data included in the specific transaction data". To verify the facts transmitted to the recipients matching the blockchain account identification information as the included recipient identification information, a transaction data set is composed of one or more transaction data, and a predetermined amount calculated using 'transaction data configured in the set' 'Route hash value' and 'a predetermined variable calculated using the root hash value of transaction data constructed in the previous block' and a data set created with a predetermined structure that matches the transaction data set, participating in a given blockchain network Refers to a data set shared by two or more nodes.

In addition, the "blockchain network" referred to in the present specification is a predetermined network composed of nodes that want to share and store the block in a predetermined method in order to prove that 'the transaction data included in a specific block has not been forged'. Means

In addition, the "server" referred to in the present specification means a communication device that provides a predetermined service to one or more of the "financial applicant terminal" and the "financial provider terminal" connected to it. Accordingly, the "financial relay server", "rights registration server", "credit information server", "notary server", "escrow server" and "bank server" cited in this specification may be one embodiment of the "server". have.

In addition, the "real name ID" cited in this specification means the information given to the user by the government agency in order to identify the actual name of each user. Accordingly, a resident registration number, a driver's license number, a passport number, a business number, a corporation number, and an alien registration card number may be examples of a real name ID.

In addition, the term "user" referred to herein refers to a person who uses a 'service provided by a specific server' such as a financial applicant and a financial provider.

In addition, "user ID" referred to herein refers to information that enables a specific user to be identified with other users. Therefore, separate account identification information and 'communication ID already registered uniquely to a specific user registered for the above purpose', which are provided by the financial relay server so that a specific user can be distinguished from other users, are one embodiment of the user ID. Can be.

In addition, "input" referred to herein refers to an operation in which predetermined information is input to a predetermined system. Accordingly, an operation in which predetermined information is input using the input unit of the system and an operation in which predetermined transmission information is received using the transmission / reception unit of the system may be one embodiment of the “input”.

Also, "transmission target data" referred to in this specification means information that a sender intends to deliver to a recipient. According to an additional aspect of the present invention, the data to be transmitted may include one or more standardized documents, and the included standardized documents include one or more of 'transmission data and electronic signatures received from the other party or a third party. May include '.

In addition, the term "previous block" referred to in this specification means a block that is to be cited as a previous block in a block generated in a predetermined blockchain network.

In addition, the term “direct financial method” referred to in this specification means a financial method other than “indirect financial method”, and the “indirect financial method” referred to in this specification pays interest to a person who wants to operate a financial institution. Refers to a method of receiving deposits and receiving interest on those who need funds with the funds received and providing loans. Therefore, the institution operating the relay server relays only information between the financial applicant and the financial provider, and the loan agreement is an embodiment of the "direct financial method" in which the loan agreement is concluded between the financial applicant and the financial provider.

In addition, "timestamp" referred to herein refers to information indicating a date and time, etc. of the time when the action occurs in a predetermined form in order to identify when the action occurs. Accordingly, the identification information of the date and hour and minute seconds output by a timer configured in a predetermined user terminal or a predetermined server at the time when a specific step is operated may be an embodiment of the time stamp.

In addition, the "communication ID" referred to herein refers to identification information that is called to communicate electronically. Accordingly, a phone number, an e-mail address, a messenger service ID, and url may be examples of the communication ID.

In addition, the term "transaction data" referred to in the present specification is a predetermined form of transmission to be used when creating a predetermined block according to a method defined in the blockchain network in one or more nodes participating in a predetermined blockchain network. As the usage data, 'blockchain account identification information uniquely assigned to the sender in the blockchain network' as the sender identification information and 'blockchain account identification information uniquely assigned to the recipient in the blockchain network' as the recipient identification information 'And means data in a form composed of predetermined transmission target data.

In addition, the term "peer node" referred to in this specification, in order to propagate the 'blocks created by itself' in a certain blockchain network to which a particular node belongs, from a specific node's point of view, a connection address among the nodes constituting the blockchain network is specified. It means the other node that is storing.

In addition, the "OO box" referred to in this specification is an area in which information indicating "OO" is displayed in the screen area output on the output of the trader terminal of the present invention, as an 'action such as touching or clicking the area'. It means an area configured to input information to select "OO Box". Therefore, an icon area configured to input information to select an OO app, a menu area configured to input information to select "OO", a check box, a radio button, an icon, etc., is an embodiment of the "OO box". Can be

In addition, in the present specification, "information matching OO" means information enabling "OO" to be extracted. Therefore, "OO" itself may be an embodiment of "information matching OO".

In addition, in this specification, "selecting OO" inputs information for the user to select the "OO" by an operation such as touching or clicking an area in which "OO" is output among the areas output on the output of the trader terminal. It means to do.

In the specification, "enter OO" refers to an operation of inputting "OO" in a predetermined input field and an operation of selecting "OO box" from among predetermined boxes.

Hereinafter, the configuration and operation of the present invention will be described in more detail based on the accompanying drawings.

1 is a block diagram of a device for conveniently and safely relaying direct finance according to the present invention.

The financial relay server 100 includes one or more financial applicant terminals 200, one or more financial provider terminals 300, a rights registration server 400, a credit information server 500, and a price information server 600 through a predetermined network. And notarization server 700, escrow server 800 and bank server 900, and communicates with the financial relay DB 110, supply waiting DB 120, identity authentication DB 130, reservation DB 140, and escrow As a component, the DB 160, the price volatility index search unit 170, the standby transaction DB 180, and the distributed ledger 190 are included as components, and a preferred embodiment includes a calculation unit (not shown) and a timer (not shown). It is further included as a component.

The financial relay DB 110 is matched with predetermined financial application transaction identification information, such as' one of the virtual user ID for the credit information server, the financial applicant ID, the financial applicant communication ID, the financial applicant's real name ID, and the financial applicant's blockchain account identification information. One or more of the above, and the financial application amount and financial application condition information, one or more of 'financial provider ID, financial provider communication ID, financial provider's real name ID, and financial provider's blockchain account identification information' and 'financial supply condition information and financial supply amount' The above may store 'at least one of predetermined financial supply waiting identification information, predetermined financial contract identification information, financial contract establishment information, and financial contract conclusion time stamp', financial contract amount, set amount, and loan deposit account ID. According to an additional aspect of the present invention, 'one or more of the name and address' may be further stored by matching the financial applicant and the financial provider ID. According to an additional aspect of the present invention, as the financial application condition information, it is possible to store the credit information, interest rate limit and collateral building identification information of the financial applicant, and match the collateral item identification information and collateral item identification information and collateral item area. It is possible to store identification information, price information, price volatility index by region, price volatility index by product type, price volatility index by item type by region, and a priority setting amount and a priority setting ratio.

The supply waiting DB 120 matches a predetermined financial supply waiting identification information with a predetermined timestamp, 'one or more of the financial provider ID, financial provider communication ID, and financial provider's blockchain account identification information' and a predetermined financial supply amount. 'One or more of predetermined financial application search condition information and predetermined financial supply condition information' may be stored. According to an additional aspect of the present invention, by matching the 'one or more of the financial provider ID and the financial provider communication ID and the financial provider's blockchain account identification information', the financial provider's 'one or more of the name and real name ID and address' You can save more.

The user authentication DB 130 matches the 'user ID, the communication ID, and one or more of the blockchain account identification information' of each subscriber registered in the financial relay server 100, and the 'password hash value' and predetermined one-time encryption The key and a given public key are updated. According to an additional aspect of the present invention, the subscribers include one or more financial applicants and one or more financial providers. Therefore, the user ID may include one or more financial applicant IDs and one or more financial provider IDs. According to an additional aspect of the present invention, the public key is one or more of 'a public key matching a predetermined certificate' and a 'public key matching the predetermined blockchain account identification information'.

In the reservation DB 140, matching the predetermined reservation identification information, 'financial transaction transaction identification information, collateral item identification information, price information, priority setting amount, collateral item type identification information, financial applicant's credit information, financial application amount and interest rate limit Financial supply amount, reservation timestamp, financial provider ID and one or more of financial provider communication ID 'can be stored.

A number of escrow account IDs may be stored in the escrow DB 160, and predetermined financial application transaction identification information may be matched and stored in the escrow account ID.

The price volatility index search unit 170 is a price volatility index (hereinafter referred to as "regional price volatility index") that matches the 'regional identification information matching predetermined collateral information' in the regional price volatility index DB (not shown). ), And the price volatility index (hereinafter referred to as "price volatility index for each item type") in the price volatility index DB (not shown) matching the 'collateral item identification information matching the predetermined collateral item identification information'. Search and search the price volatility index DB (not shown) for each item type by region. The price volatility index (hereinafter referred to as "regional item type", which matches both the local identification information and the collateral item type identification information that matches the predetermined collateral item identification information) Price volatility index ”).

In the standby transaction DB 180, predetermined transaction data are stored to match each digital signature, and a private primary block completion identification code may be stored by matching each transaction data. According to an additional aspect of the present invention, a predetermined timestamp and transaction data identification information may be stored by matching each transaction data. According to an additional aspect of the present invention, the transaction data are transaction data created by the financial relay server 100 and received transaction data.

In the distributed ledger 190, 'blocks prepared by the financial relay server 100' and 'blocks received from peer nodes of the financial relay server 100' are stored.

According to an additional aspect of the present invention, the distributed ledger 190 comprises a private block subdistributed ledger (not shown) and a public block subdistributed ledger (not shown), and the private block subdistributed ledger (not shown) A predetermined private block is stored, and a predetermined public block header is stored in the public block sub-distributed ledger (not shown).

According to an additional aspect of the present invention, the private block sub-distributed ledger (not shown) includes a plurality of orders including a private primary block sub-distributed ledger (not shown) and a private secondary block sub-distributed ledger (not shown). Each of the private block sub-distribution ledgers (not shown) corresponding to each of the components is configured, and the private primary block sub-distributed ledger (not shown) can match the predetermined private primary block and store private secondary block identification information. The private secondary block sub-distribution ledger (not shown) may store public block identification information by matching a predetermined private secondary block.

The financial applicant terminal 200 and the financial provider terminal 300 are respectively connected to the 'financial relay server 100, the rights registration server 400, the credit information server 500, the notary server 700, and the escrow server through a predetermined network. (800) and the bank server 900, etc. ', the confidential information DB (210, 310), the certificate DB (220, 320), the real name information storage unit (230, 330) and the communication ID storage unit (240, 340). ) And the first temporary memory (260, 360), the standby transaction DB (280, 380) and the distributed ledger (290, 390) as a component, a preferred embodiment of the operation unit (not shown) and the input unit (not shown) ) And an output unit (not shown) as further components.

The secret information DB (210, 310) comprises a usage identification information field, an ID field, a password field, and a one-time encryption key field. In each record, the user identification information field in which the user authentication information is to be used is stored in the user identification information field, and in the ID field, each of the financial applicants and the financial providers in the 'where the user matches the usage identification information' is used. The identification information used to identify and is stored, and in the password field, 'your own password registered by each of the financial applicants and financial providers at the destination' is stored by encrypting 'your own master password' with an encryption key.

The certificate storage unit 220, 320 stores a predetermined certificate issued from a certificate issuing server (not shown) by a known method. According to an additional aspect of the present invention, the certificate is one of a public certificate and a private certificate. According to an additional aspect of the present invention, the certificate includes a predetermined memory for storing a 'certificate secret key encrypted with a password for a certificate', and thus the 'certificate secret key encrypted with a password for a certificate' is stored in the memory. You can search.

Real name information storage units 230 and 330 may store the 'name and real name ID and address' of the owners of the terminals 200 and 300.

The communication ID storage units 240 and 340 store predetermined communication IDs matched to the terminals 200 and 300.

In the first temporary memory 260, 360, a 'predetermined secret key, which is encrypted using a predetermined disposable encryption key as an encryption key', is temporarily stored. According to an additional aspect of the present invention, the secret key is one of a secret key matching the 'public key matching the predetermined certificate' and a secret key matching the 'public key matching the predetermined blockchain account identification information'. That's it. According to an additional aspect of the present invention, the financial applicant terminal 200 and the financial provider terminal 300 include a known security area, and the first temporary memories 260 and 360 are configured in the security area. According to an additional aspect of the present invention, the financial applicant terminal 200 and the financial provider terminal 300 constitute a predetermined first temporary memory storage time limit memory (not shown), and the first temporary memory 260, Information stored in 360) is automatically deleted when the time (eg, 3 minutes) stored in the first temporary memory storage time limit memory (not shown) has elapsed from the storage time.

The standby transaction DBs 280 and 380 and the distributed ledgers 290 and 390 have similar characteristics to the 'standby transaction DB 180 and the distributed ledger 190' configured in the financial relay server 100, respectively.

The rights registration server 400 is a server that handles the task of updating ownership or collateral rights for a specific object or right, and through a predetermined network, the 'financial relay server 100, the financial applicant terminal 200, and the financial provider' Terminal 300, notary server 700, escrow server 800, and the like, and includes a rights certification DB 410, a set transaction DB 420, a standby transaction DB 480, and a distributed ledger 490. do. Therefore, if the method of the present invention is applied to a server operated by a registry office in charge of the real estate registration service, the server may be a preferred embodiment of the rights registration server 400 of the present invention.

In the right certificate DB 410, the 'name and real name ID' of the owner of the object is updated by matching the predetermined object identification information. According to an additional aspect of the present invention, as examples of the object identification information, real estate property identification information, property identification information, securities identification information, loan receivable identification information, and trade receivable identification information may be exemplified.

In the set transaction DB 420, 'all currently valid restricted right setting information' is updated by matching the object identification information. According to an additional aspect of the present invention, the restricted property right setting information includes a set amount and collateral rights identification information. According to an additional aspect of the present invention, the secured property identification information includes 'one or more of a full name, a real name ID, an address, and a communication ID'.

The standby transaction DB 480 and the distributed ledger 490 have similar characteristics to the 'standby transaction DB 180 and the distributed ledger 190' configured in the financial relay server 100, respectively.

The credit information server 500 is a server that processes a 'task for providing predetermined credit information to a specific person' and communicates with the 'financial relay server 100 and the financial applicant terminal 200' through a predetermined network. And includes credit information DB 510. Therefore, the server for credit information inquiry operated by a general credit rating company, which includes the following credit information DB 510 as a component, may be a preferred embodiment of the credit information server 500.

In the credit information DB 510, predetermined credit information is updated by matching a predetermined real name ID. According to an additional aspect of the present invention, 'one or more of a predetermined communication ID, name, and address' may be further updated by matching the real name ID.

The price information server 600 is a server that updates the price information for a specific product and processes a task in response to the inquiry, communicates with the financial relay server 100 through a predetermined network, and matches the collateral building identification information. It includes a predetermined price information DB 610 characterized in that to store and update the predetermined price information. Therefore, 'the search server of the National Tax Service providing a search service for public land prices' and 'a search server of a specific bank or real estate information company providing a search service for real estate prices' may be an embodiment of the price information server 600 You can.

In the price information DB 610, price information is updated by matching predetermined object identification information.

The notary server 700 is a server that handles a task of providing evidence of the fact that 'a specific sender has transmitted specific transmission target data to a specific receiver.' And a 'financial relay server 100' through a predetermined network. The financial applicant terminal 200, the financial provider terminal 300 and the escrow server 800, and the like, and includes a notary DB 710, a standby transaction DB 780, and a distributed ledger 790. Therefore, if the server operated by the accredited electronic document storage or the notary server operated by the post office constitutes the following 'notary DB 710, standby transaction DB 780, and distributed ledger 790', the server is the notary server of the present invention. It may be a preferred embodiment of (700).

The notarization DB 710 stores a 'notarization transmission file received by the notary server 700' by matching a predetermined timestamp. According to an additional aspect of the present invention, the notary transmission file includes a predetermined sender communication ID, a predetermined recipient communication ID, and a predetermined transmission target data.

The standby transaction DB 780 and the distributed ledger 790 have similar characteristics to the 'standby transaction DB 180 and the distributed ledger 190' configured in the financial relay server 100, respectively.

The escrow server 800 is a server for processing the business of storing the financial supply amount of the financial provider until the financial applicant sets the security right of the financial provider in the collateral, and the 'financial relay server 100 through a predetermined network. And the financial applicant terminal 200, the financial provider terminal 300, the notary server 700, and the bank server 900, etc. ', Escrow DB 810, standby transaction DB 880, and distributed ledger 890 It includes.

The escrow DB (810) matches the predetermined timestamp to display the escrow account ID, escrow beneficiary identification information, cause transaction identification information, escrow amount, set billing amount, set object identification information, set right holder identification information, and escrow payment account ID. Can be saved. According to an additional aspect of the present invention, the escrow beneficiary identification information and the setting right identification information may store 'one or more of a name and a real name ID, an address, a communication ID, and blockchain account identification information', and cause transaction identification information. Furnace may store financial contract identification information.

The standby transaction DB 880 and the distributed ledger 890 have similar characteristics to the 'standby transaction DB 180 and the distributed ledger 190' configured in the financial relay server 100, respectively.

The bank server 900 is a server for opening deposit accounts to one or more of financial applicants and financial providers and processing deposit and withdrawal services in each deposit account, and the financial relay server 100 and one or more financial institutions through a predetermined network. The applicant terminal 200 communicates with one or more financial provider terminals 300 and the escrow server 800, and the like, and includes an account DB 910, an OTP generation unit 920, a user authentication DB 930, and a standby transaction DB 980. ) And the distributed ledger 990.

The 'DB hash value' and the balance may be updated in the account DB 910 by matching a predetermined account ID.

The OTP generating unit 920 randomly calculates an arbitrary OTP.

The user authentication DB 930 may update 'one or more of the name and the block chain account identification information, the communication ID, the account ID, the one-time encryption key, and the public key' by matching the real ID.

The standby transaction DB 980 and the distributed ledger 990 have similar characteristics to the 'standby transaction DB 180 and the distributed ledger 190' configured in the financial relay server 100, respectively.

2 is a method of conveniently and safely relaying direct finance according to the present invention, in one embodiment, the operation of safely storing secret information frequently used by the financial applicants and financial providers of the present invention in their terminals 200 and 300 in advance. It is a diagram for explaining an embodiment.

In step 110, when the financial applicant selects a predetermined secret information registration box using the input unit (not shown) of the financial applicant terminal 200, the destination input field and the ID input field are displayed in the output unit (not shown) of the financial applicant terminal 200. And a password input field, a one-time encryption key input field, a master password input field, and a predetermined information registration window (hereinafter referred to as a "secret information registration window") are displayed.

In step 118, the financial applicant enters predetermined blockchain network identification information in the user input field using the input unit (not shown) of the financial applicant terminal 200, and the account assigned to the user in the block chain network in the ID input field. Enter the identification information (hereinafter referred to as "blockchain account identification information of the financial applicant"), and in the password input field, 'the secret key matched with the above blockchain account identification information' (hereinafter referred to as "blockchain account secret key"). Enter, and select the confirmation box.

According to an additional aspect of the present invention, before step 118 is operated, a predetermined blockchain account secret key is input to the financial applicant terminal 200; Calculating a public key matching the block chain account secret key using a public key calculation method known in the art; Calculating blockchain account identification information matching the public key; And outputting the public key and the blockchain account identification information. Is working.

In step 120, the financial applicant terminal 200 encrypts the 'blockchain account secret key entered in step 118' with the encryption key of 'the master password entered in step 110', and in a predetermined record of the secret information DB 210, The blockchain network identification information is stored in the user identification information field, the 'blockchain account identification information of the financial applicant entered in step 118' is stored in the ID field, and the password is encrypted in the password field. 'Is stored, and an additional registration box and a registration termination box are output to the output unit (not shown).

In step 122, when the financial applicant selects the additional registration box using the input unit (not shown) of the financial applicant terminal 200, the secret that was output in step 110 is displayed at the output unit (not shown) of the financial applicant terminal 200. Information registration window 'is displayed.

In step 124, the financial applicant enters the financial relay server identification information in the place of use using the input unit (not shown) of the financial applicant terminal 200, and in the ID field, the user ID registered as 'financial applicant to the financial relay server 100' Enter 'Password, enter the password registered by the financial applicant matching the user ID in the financial relay server 100' (hereinafter referred to as "password for the financial relay server") in the password input field, and enter the disposable encryption key input field. Enter the 'disposable encryption key received by the financial applicant from the financial relay server 100' and select a confirmation box.

In step 126, the financial applicant terminal 200 encrypts the 'password for the financial relay server' with the encryption key of 'the master password entered in step 110', and in a predetermined record of the secret information DB 210, in the field of use identification information. The 'financial relay server identification information entered in step 124' is stored, the 'user ID entered in step 124' is stored in the ID field, and the 'encrypted, password for the financial relay server' is stored in the password field, and is disposable. The 'disposable encryption key entered in step 124' is stored in the encryption key field, and an additional registration box and a registration termination box are output in an output unit (not shown).

Step 128, which is the same as step 122, is operated.

In step 130, the financial applicant enters the identification information of the bank (hereinafter referred to as "bank") in which his / her withdrawal account is opened in the field of use using the input unit (not shown) of the financial applicant terminal 200, ID Enter the 'account ID of the deposit / withdrawal account opened by the financial applicant in the bank' in the input field, and enter the 'account password registered by the financial applicant as the password of the deposit / withdrawal account with the bank' in the password input field, and the one-time encryption In the key input field, enter 'the disposable encryption key that the financial applicant has received from the bank server 900' and select a confirmation box.

In step 132, the financial applicant terminal 200 encrypts the 'master password entered in step 110' with the encryption key, and encrypts the 'account password entered in step 130', and in a predetermined record of the secret information DB 210, the usage identification information. 'Identification information of the bank entered in step 130' is stored in the field, 'Account ID entered in step 130' is stored in the ID field, 'The encrypted, account password' is stored in the password field, and one-time encryption The 'disposable encryption key input in step 130' is stored in the key field, and an additional registration box and a registration termination box are output to an output unit (not shown).

The same step 134 as step 122 is operated.

In step 136, the financial applicant enters the certificate issuing server identification information matching the certificate issued by the financial applicant in the field of use using the input unit (not shown) of the financial applicant terminal 200, and the ID 'Certificate identification information', enter the 'Password for accessing the certificate' (hereinafter referred to as "password for certificate") in the password input field, and select the confirmation box.

In step 138, the financial applicant terminal 200 encrypts the 'password for the certificate entered in step 136' with the encryption key and the 'password for the certificate entered in step 136' in the predetermined record of the secret information DB 210, and identifies the usage. 'Certificate issuance server identification information entered in step 136' is stored in the information field, 'Certificate identification information entered in step 136' is stored in the ID field, and 'encrypted, password for certificate' is stored in the password field. Then, an additional registration box and a registration termination box are output to the output unit (not shown).

In step 140, when the financial applicant selects the registration termination box using the input unit (not shown) of the financial applicant terminal 200, a predetermined main screen including a secret information registration box is displayed.

In the above, an embodiment in which the financial applicant frequently safely stores secret information frequently used in the financial applicant terminal 200 has been described. The operation in which the financial provider stores the secret information in advance in the financial provider terminal 300 may be easily inferred from the above-described operation, so that the description thereof is omitted.

3 is a method of conveniently and safely relaying direct finance according to the present invention, in one embodiment, the operation of registering the real name ID of each financial applicant and the financial provider of the present invention on a network of the present invention. It is a diagram for explaining an embodiment.

In step 205, when the bank account 900 matches the 'real name ID specified in the real name certificate presented by the financial applicant' and 'the account ID and the block chain account identification information and the communication ID' are entered, ' The 'public key matching the block chain account identification information' is extracted by a known method from the predetermined block chain network matching the block chain account identification information, and the OTP generation unit 920 randomly selects any OTP. Calculate, encrypt the calculated OTP with the public key, and transmit the encrypted OTP to the financial applicant terminal 200, which is the 'communication device of the financial applicant matching the communication ID', and 'match the communication ID. A communication server (not shown) 'matches the communication ID and transmits the real name ID.

According to an additional aspect of the present invention, before step 205 is operated, the financial applicant matches the 'real name certificate in which his / her real name ID is specified' in a predetermined method to the bank (or an institution that wants to open his / her withdrawal account). Then, if you present your own blockchain account identification information and communication ID, the transaction bank judges whether the person who presented the real name certificate is a `` justifiable holder of the real name certificate '' in a prescribed way, and the judgment is positive. In case step 205 is activated.

On the other hand, according to another aspect of the present invention, in step 205, the financial applicant terminal 200 is the bank server 900, the 'filer of the financial applicant terminal' and the image file and communication ID of the real-name certificate and identification information of the blockchain account. Transmitting the; The bank server 900 receiving the information and extracting a predetermined real name ID from the 'received real name identification image file'; A step in which the bank server 900 searches for a public key matching the block chain account identification information by a known method in the 'block chain network matching the block chain account identification information'; The OTP generation unit 920 of the bank server 900 randomly calculates an arbitrary OTP; The bank server 900 encrypting the 'calculated OTP' with the public key; And the bank server 900 transmits the 'encrypted OTP' to the financial applicant terminal 200, which is a communication device matching the communication ID, and transmits the 'the real name ID matching the communication ID' to the communication. Transmitting to a server (not shown) of the carrier matched with the ID '; It may be composed of.

In step 210, when the financial applicant terminal 200 receives the 'encrypted OTP transmitted in step 205', a master password input field and a confirmation box are output to an output unit (not shown).

In step 215, when the master password is entered in the master password input field and a check box is selected, the communication ID of the financial applicant is retrieved from the communication ID storage unit 240 and matches the blockchain network identification information in the secret information DB 210. The 'encrypted blockchain account secret key' is retrieved, the master password is decrypted with the 'encrypted blockchain account secret key', and the 'encrypted blockchain account secret key' is decrypted with the decryption key. The received, encrypted OTP 'is decrypted, and the' decrypted OTP 'is transmitted to the bank server 900 as a reply to the' reception in step 210 '.

In step 220, if a communication company server (not shown) receives the 'real name ID matched to the communication ID transmitted in step 205', it is determined whether or not the matching between the two is known by a known method and whether the matching is a reply to the reception. Send to the bank server 900, and when the bank server 900 receives the reply, determines whether the reply is 'matched', and matches the 'encrypted OTP transmitted in step 205' to 'step 215' When the received, decrypted OTP 'is received, it is determined whether the match is made by comparing' the received OTP 'and' OTP calculated in step 205 '.

If both of the judgments in step 220 are positive, step 225 is operated.

In step 225, in the identity authentication DB 930, the 'real name ID entered in step 205' is matched, and the 'blockchain account identification information and communication ID entered in step 205' are stored.

4 to 7 is an embodiment of a method of conveniently and safely relaying direct finance according to the present invention, after the financial application confirmation information transmitted from the financial applicant terminal 200 is first stored in the financial relay server 100, the financial provider A is a flow chart showing an embodiment of using a notary server 700 during an operation in which a direct financial contract is concluded by retrieving the financial application commitment information by using the financial provider terminal 300 to retrieve the financial application commitment information.

In step 302, the financial applicant terminal 200 accesses the financial relay server 100 by a known method, and the financial applicant terminal 200 provides predetermined financial application condition information, predetermined financial application amount, and predetermined credit information provision application information. When entering the predetermined financial application confirmation information, predetermined notarized transmission application information, and the 'master password of the financial applicant', the secret information DB 210 matches the 'user ID and the encrypted password and the disposable password'. The encryption key 'is searched as' user ID of the financial applicant' (hereinafter referred to as "financial applicant ID"), 'password for encrypted financial relay server' and 'one-time encryption key for financial relay server', respectively, and identifies the specified certificate issuing server. The 'certification identification information and encrypted password' matched to the information are searched as 'certificate identification information and the password for the encrypted certificate', respectively, and the communication ID storage unit 240 searches for a predetermined communication ID as a financial applicant. Search as communication ID (hereinafter referred to as "financial applicant communication ID"), decrypt each encrypted password with the master password, and decrypt the decrypted financial relay server password with the one-time encryption key for the financial relay server for the financial relay server Calculate disposable personal authentication information, 'financial applicant ID', 'financial applicant interest ID' and 'financial applicant communication ID as financial applicant communication ID', the financial application condition information, the financial application amount, and the disposable principal for the financial relay server A predetermined first-to-one transmission target data including authentication information and predetermined financial application commitment information is prepared.

According to an additional aspect of the present invention, the user ID matched with the financial relay server identification information matches the communication ID stored in the communication ID storage unit 240, and in this case, the communication ID storage unit 240 is predetermined The operation in which the communication ID of the search is omitted is omitted, and the searched user ID may be included by replacing the searched communication ID as the financial applicant communication ID in the 1-1 transmission target data.

According to an additional aspect of the present invention, the financial application condition information includes interest rate limits, collateral property identification information, collateral property type identification information, collateral property characteristics information, and priority security rights information.

According to an additional aspect of the present invention, the collateral identification information is the address of the collateral if the collateral is real estate, and the identification information of the collateral if the collateral is the right to match predetermined identification information. In addition, according to an additional aspect of the present invention, the property information of the collateral is composed of the area information of the building when the collateral is a building, and the area information of the land when the collateral is a land. In addition, according to an additional aspect of the present invention, the priority security information is the sum of the priority mortgage amount and the statutory provisional seizure amount and the statutory priority amount (for example, the amount of water multiplied by the statutory priority small amount deposit upper limit).

According to an additional aspect of the present invention, the interest rate limit is the maximum interest rate that a financial applicant intends to bear, and the financial application amount and the interest rate limit may be composed of a plurality of pairs matched to respective rankings. For example, it may be composed of a pair of 'A amount and a interest rate' matched to the first rank and a pair of 'B amount and b interest rate' matched to the second rank. If the financial application condition information that satisfies the above-mentioned additional aspects is illustrated, the financial application amount and the interest rate limit are composed of a first-ranked pair of "100 million won a year," and a second-ranked pair of "100 million won, 5%". The object identification information is "207, Hanyang 1st Apartment No. 1, Apgujeong-dong, Gangnam-gu, Seoul," and the identification information of the collateral property is "apartment", and the property information of the collateral property is 85 square meters of dedicated floor space and 35 square meters of land support. The security information is "240 million won."

According to an additional aspect of the present invention, one embodiment of the 'operation of inputting predetermined credit information provision application information, predetermined financial application commitment information, and predetermined notarization transmission application information' is 'providing predetermined credit information' This is the operation to select the application box, the predetermined financial application confirmation box, and the predetermined notary transfer application box.

In step 304, the financial applicant terminal 200 retrieves the encrypted certificate secret key from the certificate storage unit 220, decodes the 'password for the certificate decrypted in step 302' with the decryption key, and decrypts the 'certificate key'. As ID, the financial applicant communication ID included in the 1-1 transmission target data in step 302 and 'the communication ID of a predetermined financial relay server as the recipient communication ID' and 'the 1st-1 transmission target data created in step 302' Create a predetermined first-first notary transmission file including a, calculate the hash value of the first-first notary transmission file, encrypt the hash value with the certificate secret key, and add the 'first-first notary transmission file. Create a digital signature of the financial applicant for ', the certificate identification information and the electronic signature matching the 1-1 notarization transmission file is transmitted to the notary server 700, the decrypted certificate secret key' step Disposable cancer found at 302 Encrypting a hwaki "is stored in the first temporary memory 260 of the security zone.

According to an additional aspect of the present invention, step 304 comprises: the financial applicant terminal 200 accessing the financial application page of the financial relay server 100; Transmitting the 'access address of the financial application page' as the 'communication ID of the financial relay server 100' to the financial applicant terminal 200 from the financial relay server 100; It includes, and in step 304, the 'communication ID of the financial relay server included in the first-first notary transmission file' is used as the 'communication ID of the financial relay server 100 transmitted in step 302'.

According to another aspect of the present invention, 'the information stored in the first temporary memory 260 is automatically deleted when a predetermined time limit (for example, 3 minutes) has elapsed. Therefore, the 'secret key encrypted with the disposable encryption key' is stored only during the time limit.

In step 306, when the notary server 700 receives 'the first-first notary transmission file in which the certificate identification information and the electronic signature matched in step 304 are matched', a predetermined timestamp is calculated, and the method is publicly known. The public key matching the certificate identification information is retrieved, the hash value of the first-first notary transmission file is calculated, the digital signature is decrypted with the public key, and it is determined whether the decrypted value matches the hash value. .

According to an additional aspect of the present invention, in one embodiment of the 'known method of searching for' one or more of a public key and a real name ID 'matched with the certificate identification information, one embodiment may include the certificate identification information in a predetermined certificate management server ( (Not shown); Returning 'at least one of a public key and a real name ID' matched to the certificate identification information from the certificate management server (not shown); It includes.

If the judgment at step 306 is positive, step 308 is operated,

In step 308, the notary server 700 matches the 'timestamp calculated in step 306' to the notary DB 710, and stores the 'first-first notary transmission file received in step 306', 1 Create a predetermined first-first notary completion transmission file including the sender communication ID, the recipient communication ID and the first-first transmission target data included in the notary transmission file, and the first-first notary completion transmission file To the financial relay server 100 matching the recipient communication ID.

In step 310, when the financial relay server 100 receives the 'first-first notary completion transmission file transmitted in step 308', 'the first-first transmission target data included in the first-first notary completion transmission file'. Extract the 'financial applicant ID, financial applicant communication ID, financial application condition information, financial application amount, disposable personal authentication information for financial relay server, and predetermined financial application confirmation information' from the identity DB and apply to the financial applicant ID The matched 'password hash value' and the disposable encryption key are searched to verify the 'disposable personal authentication information extracted from the above 1-1 transmission target data'.

According to an additional aspect of the present invention, step 310 comprises: calculating a predetermined password by decrypting the received single-use authentication information with the retrieved one-time encryption key; Calculating a hash value of the decrypted password; Determining whether the calculated hash value matches the searched 'password hash value'; It includes.

If the verification result in step 310 is positive, step 312 is operated.

In step 312, the financial relay server 100 randomly generates a one-time encryption key, and in the user authentication DB 130, the 'financial applicant ID extracted in step 310 (or steps 310-2 in FIGS. 8 to 10)'. Search for the matched public key, update the disposable encryption key matched to the 'financial applicant ID and public key' to 'the generated disposable encryption key', and encrypt the 'generated disposable encryption key' with the public key , Generating predetermined financial application transaction identification information and a virtual user ID for the credit information server, and matching the financial application transaction identification information in the financial relay DB 110 with the virtual user ID for the credit information server in step 310 (or FIG. 8) 10, the financial applicant ID, the financial applicant communication ID, the financial application condition information and the financial application amount extracted in step 310-2) of FIG. 10 are stored, and the 'virtual user ID for the financial application transaction identification information and the credit information server is encrypted. Disposable password Key and transmits it to the applicant financial terminal 200 'matching' with a predetermined credit information access server address, to the applicant financial communication ID.

In step 314, the financial applicant terminal 200 transmits in step 312 (or steps 382-6 in FIGS. 14 and 15), the financial application transaction identification information, the virtual user ID for the credit information server, and the encrypted disposable encryption key. Upon receiving the 'credit information server access address', the secret information DB 210 searches for a one-time encryption key matched to the financial relay server identification information, and searches for the 'encrypted certificate secret key' in the first temporary memory 260. , Decrypt the retrieved 'encrypted certificate secret key' with the decryption key, and decrypt the 'received, encrypted disposable encryption key' with the decrypted certificate secret key, and finance in the secret information DB 210 The disposable encryption key matched to the relay server identification information is updated with the 'decrypted disposable encryption key'.

In step 316, a predetermined communication ID is retrieved from the communication ID storage unit 240 of the financial applicant terminal 200, the 'name and real name ID and address' is retrieved from the real name information storage unit 230, and the applicant is provided with credit information. Providing the above-mentioned 'name and real name ID and address and communication ID' as the identification information, 'financial relay server communication ID as the communication ID to provide credit information', and 'virtual user ID for the credit information server received in step 314' and predetermined credit information Create a predetermined credit information provision electronic application including the application information, calculate the hash value of the credit information provision electronic application, and encrypt the hash value with the 'Certificate Secret Key Decrypted in Step 314' Create an electronic signature of the applicant for providing credit information for the provided electronic application, and transmit the electronic application for credit information providing the matching of the electronic signature to the credit information server (500). .

In step 318, when the credit information server 500 receives the 'credit information providing electronic application matching the certificate identification information and the electronic signature transmitted in step 316', the real name ID matching the certificate identification information and Search the public key, calculate the hash value of the credit information providing electronic application, decrypt the digital signature with the public key, determine whether the decrypted value and the hash value match, and 'retrieve the real name ID' It is determined whether or not matches the 'real name ID as the identification information of the applicant for providing credit information, included in the received electronic application for providing credit information'.

One additional aspect at step 306 is also applicable at step 318.

If both of the judgments in step 318 are positive, step 320 is operated.

In the credit information server 500 in step 320, in the credit information DB 510, as in the 'credit information provision electronic application received in step 318', 'at least one of real name ID and communication ID as credit information provision applicant identification information' Searches for the predetermined credit information matched to, and creates a 'credit user ID for the credit information server included in the credit information providing electronic application' and a predetermined credit information notification message including the credit information.

According to another aspect of the present invention, in which the operator of the credit information server 500 does not avoid 'exposing the real name information or communication ID of the customer in front of the credit information providing target', the virtual user ID for the credit information server is replaced and received at step 318 It is also possible to write a credit information notification message that includes one or more of a real name ID and a communication ID as identification information of a credit information providing applicant included in an electronic application for providing credit information.

In step 322, the credit information server 500 transmits the 'credit information notification message prepared in step 320' to the financial relay server 100.

In step 324, when the financial relay server 100 receives the 'credit information notification message transmitted in step 322', it matches the 'virtual user ID for the credit information server included in the credit information notification message' in the financial relay DB 110. To store the 'credit information included in the above credit information notice' and include collateral building identification information included in the 'financial application condition information extracted in step 310 (or steps 380-6 in FIGS. 14 and 15)'. And transmits predetermined restricted property inquiry information to the rights registration server 400.

In step 328, when the right registration server 400 receives the 'restricted right query information including collateral building identification information transmitted in step 324 (or steps 326-2 in FIGS. 8 to 10)', the set transaction DB In 420, search for 'all currently valid restricted property setting information' matched to the secured property identification information, and match the secured property identification information and transmit the 'recovered restricted property setting information' to the financial relay server 100 do.

In step 330, when the financial relay server 100 receives the 'restricted property setting information matched to the collateral property identification information transmitted in step 328', the priority setting amount is calculated using the restricted property setting information, and the financial relay DB In step 110, the collateral item identification information is matched and the priority setting amount is stored, and predetermined price inquiry information including the collateral item identification information is transmitted to the price information server 600 by a known method.

According to an additional aspect of the present invention, the collateral property information included in the 'financial application condition information extracted in step 310' includes the number of rooms, and step 330 multiplies the number of the rooms by a predetermined statutory priority dividend, and the statutory priority. Calculating an amount of money; summing the set amount of each restricted water ticket included in the received restricted water ticket setting information and the statutory priority amount to calculate a priority amount; It includes.

When the price information server 600 receives the 'predetermined price inquiry information including the collateral building identification information transmitted in step 330' in step 332, the price information DB 610 in the price information matching the collateral building identification information Search and match the price information to the collateral building identification information and transmit it to the financial relay server 100.

According to an additional aspect of the present invention, the price information is a predetermined price between 'public price announced by public institutions' and 'quote information provided by private institutions such as banks or real estate search service companies' and 'quoted price' Weighted average '.

In step 334, when the financial relay server 100 receives the 'price information matched with collateral building identification information transmitted in step 332', the financial relay DB 110 matches the collateral building identification information to receive the price information. Save, and the price volatility index search unit 170 searches the regional price volatility index DB (not shown) to search for the regional price volatility index that matches the 'regional identification information matching the collateral property identification information', and the price volatility index for each product type. Search for price volatility index for each item type that matches the 'object type identification information matching the collateral item identification information' in DB (not shown) and match the collateral item identification information in the price volatility index DB (not shown) for each item type by region. Search for the price volatility index for each item type that matches both the 'regional identification information and the object type identification information', and match the collateral item identification information in the financial relay DB 110. Stores the price volatility index for each region, the price volatility index for each item type, and the price volatility index for each item type by region, and retrieves the 'priority setting amount as the priority security right information' matched to the collateral item identification information in the financial relay DB 110. , Calculates the ratio divided by the 'priority setting price' divided by 'the price derived using the received price information' as the priority setting ratio, and matches the collateral building identification information in the financial relay DB 110 to the calculated priority setting ratio To save.

In step 336, when the financial provider terminal 300 accesses the financial relay server 100 by a known method, the financial provider terminal 300 inputs predetermined financial application search condition information and selects the predetermined financial application search box. , A user who matches the financial relay server identification information in the confidential information DB 310 by searching the communication ID storage unit 340 for a predetermined communication ID as the financial provider's communication ID (hereinafter referred to as "financial provider communication ID"). Search for the ID as the financial provider's user ID (hereinafter referred to as "financial provider ID"), and the financial provider terminal 300 matches the financial provider communication ID and one or more of the financial provider ID and the financial application search conditions. The information and predetermined financial application search information are transmitted to the financial relay server 100.

According to an additional aspect of the present invention, step 336 is a collateral item type list, a collateral item area list, an input field for entering a priority setting ratio limit (hereinafter referred to as a "priority setting ratio limit input field"), and collateral property variability. A certain financial application search screen, which includes an input field for entering an index limit (hereinafter referred to as a "secured property volatility limit input field"), a list of collateral items price range, a financial applicant credit rating list, and a financial application search box, is provided to the financial provider terminal (300). ) Is output; It includes.

As an example of step 336, a financial provider selects a check box matched to an apartment among a list of collateral items using the input unit (not shown) of the financial provider terminal 300, and among the collateral area list If you select a check box that matches the city of Seoul, a list of autonomous districts belonging to the city of Seoul is matched with a check box, and if you select a check box that matches the Gangnam-gu, a list of dongs belonging to Gangnam-gu is matched to one checkbox. If you select a check box that matches the Apgujeong-dong among them, the names of the apartment complexes located in Apgujeong-dong are matched and outputted in one check box, and among them, select the check box that matches the Hanyang primary apartment and set the priority Enter "50%" in the ratio limit input field, and check boxes matching "over 1 billion and under 2 billion" and "over 2 billion" in the list of collateral prices Check the check box that matches "100 million or less", and select the check box that matches "All" in the financial applicant credit rating list.

In step 338, the financial relay server 100 matches 'one or more of the financial provider communication ID and the financial provider ID transmitted in step 336' and the predetermined financial application search condition information and predetermined finance sent in step 336. When the application search information is received, the financial relay DB 110 extracts records satisfying all of the financial application search conditions, and the 'financial transaction transaction identification information, collateral building identification information, price information, and The priority setting amount, the priority setting ratio, collateral type identification information, the financial information of the financial applicant, and the financial application amount and interest rate limit are transmitted to the 'financial provider terminal 300 connected in step 336'.

According to an additional aspect of the present invention, the price information includes a 'price volatility index for each region, a price volatility index for each product type, and a price volatility index for each product type according to the region'.

According to an additional aspect of the present invention, the financial application amount and the interest rate limit may be composed of a plurality of pairs matched to respective rankings. For example, it may be composed of a pair of 'A amount and a interest rate' matched to the first rank and a pair of 'B amount and b interest rate' matched to the second rank.

If one embodiment in step 336 is an example of operation, in step 338, in the financial relay DB 110, 'the collateral is an apartment, the collateral is the Hanyang primary apartment in Apgujeong-dong, Gangnam-gu, Seoul, and the priority setting ratio is 50% or less. And, the mortgage price is over 1 billion and less than 3 billion.

For example, the collateral property identification information is “apartment”, and the address of the collateral property identification information is # 207, Hanyang 1st Apartment 1, Apgujeong-dong, Gangnam-gu, Seoul, and the collateral property price information is “1 billion won”, and the priority setting amount is “400 million won”. The financial information of the financial applicant is "Level 2", and the financial application amount and interest rate limit are the first financial application consisting of a first-ranked pair of "200 million won a year, 4%" and a second-ranked pair of "200 million won a year, 6%". Commitment information; And the collateral property identification information is "apartment", the address of the collateral property identification information is # 509, 11-dong, Hanyang 1st Apartment, Apgujeong-dong, Gangnam-gu, Seoul, and the collateral property price information is "2 billion won", and the priority setting amount is "900 million won". The financial information of the financial applicant is "Level 3" and the financial application amount and interest rate limit is the second financial application commitment information consisting of a single pair of "200 million won annually 4.5" without ranking; It may be illustrated an embodiment in which is extracted.

On the other hand, according to another additional aspect of the present invention, step 338, the financial relay server 100 generates predetermined financial supply waiting identification information, and the supply waiting DB 120 matches the financial supply waiting identification information to the ' Storing one or more of the financial provider communication ID and the financial provider ID 'and the financial application search condition information; Thereafter, when a new record is stored in the financial relay DB 110 according to the operations of steps 302 to 334, determining whether the record satisfies one or more of each financial application search condition information stored in the supply waiting DB 120; And, if it is determined that the 'satisfying the search condition information for a specific financial application' is determined, the 'recorded information and price information, priority setting amount, collateral type identification information, credit information, financial request amount and interest rate of the financial applicant included in the new record. Sending the limit 'to the financial provider terminal 300 matching' one or more of the financial provider communication ID and financial provider ID matched with the financial application search condition information determined to be satisfied in the supply waiting DB 120 '; It includes.

In step 352, the financial provider terminal 300 transmits the 'financial transaction transaction identification information, collateral building identification information and price information, priority setting amount, priority setting ratio, collateral item type identification information and financial applicant's credit information transmitted in step 338. Received 'Financial Application Commitment Information' consisting of the financial application amount and interest rate limit, consisting of 'collateral building identification information, price information, priority setting amount, priority setting ratio, collateral item type identification information, financial information of the financial applicant, and financial application amount and interest rate limit. 'Financial Application Confirmation Information' is output to the output unit (not shown).

According to an additional aspect of the present invention, when a specific financial application commitment information includes a pair of 'financial application amount and interest rate limit' matched to a plurality of rankings, each pair is output separately.

In step 354, when the financial provider selects one of the financial application commitment information output to the output unit (not shown) using the input unit (not shown) of the financial provider terminal 300, the financial application confirmation information is configured. 'Corporate property identification information and price information, priority setting amount, priority setting ratio, collateral type identification information, financial information and financial application amount and interest rate limit of financial applicants', financial supply amount input field, financial provider contact information field, master password input field and financial supply The confirmation box and the financial supply reservation box are displayed.

According to an additional aspect of the present invention, in step 352, when a plurality of pairs of 'financial application amounts matched to respective rankings and interest rate limits' are output separately with respect to specific financial application commitment information, in step 354, the fund provider is provided with the above. Select one of each pair separately, and select the 'collateral identification information, price information, priority setting amount, priority setting ratio, collateral item type identification information, credit information, financial application amount, and interest rate limit' for the selected pair. Only output.

As an example of the operation of step 354, as the collateral building identification information and price information of the selected financial application commitment information in the output unit (not shown), "207, Hanyang 1st Apartment 1, Apgujeong-dong, Gangnam-gu, Seoul" and "1 billion won" "Is output," 400 million won "as the priority setting amount," apartment "as collateral property identification information, and" Level 2 "of the financial applicant's credit information, and" 200 million won "as a pair of the financial application amount and interest rate limit, and "4%" may be output, and the financial supply amount input field, the financial provider contact information input field, the financial supply confirmation box, and the financial supply reservation box may be output.

According to an additional aspect of the present invention, in step 352, a plurality of 'financial application amounts matched to each rank and a pair of interest rate limits' are output separately for specific financial application commitment information, in step 354 the fund provider If the subordinates are selected separately from each pair, as the 'priority set amount output in step 354', the 'priority set amount retrieved and transmitted from the financial relay DB 110 of the financial relay server 100' and 'the transmitted order' The sum of the sums of the financial applications in each of the previous ranking pairs is output, and the priority setting ratio output in step 354 is calculated based on the output of the financial applications.

In step 356, when the predetermined financial supply amount and the master password of the financial provider are input to the financial provider terminal 300 and the financial supply confirmation box is selected, the 'user ID and the user ID matched with the financial relay server identification information in the confidential information DB 310. Search for an encrypted financial relay server password and one-time encryption key, and search for 'certificate identification information and encrypted certificate password' matching the predetermined certificate issuing server identification information, and communicate ID storage unit 340 Retrieves communication ID, decrypts each encrypted password with the master password, encrypts the 'password for the decrypted financial relay server' with the one-time encryption key, calculates one-time personal authentication information for the financial relay server, and stores the certificate ( 320), and retrieve the encrypted certificate secret key, and decrypt the certificate secret key with the decryption key for 'the decrypted certificate password'. Then, the real name information storage unit 330 searches for 'name and real name ID and address', and the financial application selected in step 354, 'the user ID as the financial provider ID', 'the communication ID as the financial provider communication ID', and 'step 354'. Financial application transaction identification information matching the confirmation information, including the financial supply amount and the 'name, real name ID and address as the financial provider's real name information', and one-time authentication information for the financial relay server and predetermined financial supply confirmation information Creates predetermined 2-1 transmission target data, and includes 'the financial provider communication ID as the sender communication ID' and 'the communication ID of the predetermined financial relay server as the recipient communication ID' and the 2-1 transmission target data Create a predetermined 2-1 notary transmission file to be calculated, calculate the hash value of the 2-1 notary transmission file, and encrypt the hash value with the 'decrypted certificate secret key' Financial services for notarized transfer files Creates a digital signature of the child ', transmits the 2-1 notarization transmission file matching the certificate identification information and the electronic signature to the notary server 700, and transmits the decrypted certificate secret key to the' discovered disposable encryption key. 'And stored in the first temporary memory 360 of the secure area.

If an embodiment of step 356 that matches the embodiment illustrated in step 354 is illustrated, 50 million won may be input as the financial supply amount and a financial supply commitment box may be selected.

According to an additional aspect of the present invention, 'the information stored in the first temporary memory 360 is automatically deleted when a predetermined time limit (for example, 3 minutes) has elapsed. Therefore, the 'secret key encrypted with the disposable encryption key' is stored only during the time limit.

In step 358, when the notary server 700 receives the '2-1 notary transmission file in which the certificate identification information and the electronic signature matched in step 356 are matched', a predetermined timestamp is calculated, and the method is publicly known. The public key matching the certificate identification information is searched, the hash value of the 2-1 notary transmission file is calculated, the digital signature is decrypted with the public key, and it is determined whether the decrypted value matches the hash value. .

An additional aspect in step 306 is also applicable in step 358.

If the judgment at step 358 is positive, step 360 is operated,

In step 360, the notary server 700 matches the 'timestamp calculated in step 358' with the notary DB 710 and stores the '2-1 notary transmission file received in step 358', 1 Create a predetermined 2-1 notarization complete transmission file including the sender communication ID, the receiver communication ID and the 2-1 transmission target data included in the notarization transmission file, and the 2-1 notarization completion transmission file To the financial relay server 100 matching the recipient communication ID.

In step 384, when the financial relay server 100 receives the '2-1 notarized completion transmission file transmitted in step 360', 'the 2-1 transmission target data included in the 2-1 notary completion transmission file'. Extract 'Finance provider ID, financial provider communication ID, financial application transaction identification information, financial supply amount, financial provider's name / real name ID / address and one-time authentication information for financial relay server and predetermined financial supply commitment information' The authentication DB 130 searches for a 'password hash value' and a one-time encryption key matched to the financial provider ID, and verifies 'one-time authentication information included in the 2-1 transmission target data'.

An additional aspect in step 310 is also applicable in step 384.

If the verification result in step 384 is positive, step 386 is activated,

In step 386, the financial relay server 100 calculates a predetermined financial contract signing timestamp, randomly generates a one-time encryption key, and in the user authentication DB 130, step 384 (or step 384 in FIGS. 8 to 10). -2) Search for the 'public key and one-time encryption key' matching the financial provider ID extracted from, update the one-time encryption key to 'the generated one-time encryption key', and 'the newly generated one-time encryption key' Is encrypted with the public key, and the encrypted one-time encryption key is transmitted to the 'financial provider terminal 300 matching the financial provider ID', and in the financial relay DB 110, step 384 (or FIGS. 8 to 10). A record containing the financial application transaction identification information extracted in step 384-2) is extracted, and the amount of 'financial application amount included in the record' and 'step 384 (or steps 384-2 in FIGS. 8 to 10) are extracted. The smaller of the financial supply ' Calculate the contract amount, calculate the predetermined set amount using the financial contract amount, match the financial application transaction identification information in the financial relay DB 110, and the financial supply amount and the financial contract amount and the financial provider as 'securities holder identification information' ID 'and predetermined financial contract establishment information and the time stamp for signing the financial contract, increase the amount of priority set matching the financial application transaction identification information by' the calculated set amount ', and' the amount of financial application included in the record 'Is reduced by the financial supply amount.

In the case of an additional aspect of the present invention in the financial relay DB 110, a plurality of financial application amounts matched to the financial application transaction identification information, each included in a record including a separate 'rank-rate pair', If a predetermined expiration date is stored in the record extracted in step 384, and the financial contract amount is not stored in a record including the unselected 'rank-rate rate pair' within the expiration date, the record contains predetermined cancellation information. Stored, the priority setting amount and the financial application amount are returned to the operation before step 386.

According to an additional aspect of the present invention in which one of the 'one or more pairs consisting of the financial application amount and the interest rate limit' in step 354 is matched to the financial application commitment information in the financial relay DB 110 in step 384 The priority setting amount corresponding to the selected pair 'is increased by the set amount, and the financial application amount corresponding to the pair is reduced by the financial supply amount.

Meanwhile, according to another aspect of the present invention, steps 356-1 to 386-1 below may be operated by replacing steps 356 to 386.

When the predetermined financial supply amount and the master password of the financial provider are input to the financial provider terminal 300 in step 356-1 and the financial supply reservation box is selected, the 'user' matched the financial relay server identification information in the secret information DB 310. ID and encrypted financial relay server password and one-time encryption key ', search for a predetermined communication ID in the communication ID storage unit 340, decrypt the encrypted financial relay server password with the master password, and decrypt the Encrypting the password for the financial relay server with the one-time encryption key to calculate the one-time authentication information for the financial relay server, and selecting the 'user ID as the financial provider ID' and 'the communication ID as the financial provider communication ID' and 'step 354' Financial application transaction identification information matching the application confirmation information ', the financial supply amount, the disposable personal authentication information, and predetermined financial supply reservation information To the financial relay server 200.

In step 362-1, the financial relay server 200 transmits 'financial provider ID, financial provider communication ID, financial application transaction identification information, financial supply amount, disposable personal authentication information, and financial supply reservation information transmitted in step 356-1'. Upon receipt, the user authentication DB 130 searches for a 'password hash value' and a one-time encryption key matching the financial provider ID, and uses the searched 'password hash value and a one-time encryption key' to retrieve the one-time authentication information. Verify.

An additional aspect in step 310 is also applicable in step 362-1.

If the verification result in step 362-1 is positive, step 364-1 is operated.

In step 364-1, the financial relay server 200 calculates a predetermined reservation timestamp and starts counting the predetermined reservation time by a known method, and the financial relay DB 110 receives the financial request received in step 362-1. Search for 'Priority setting amount, financial application amount, collateral building identification information, price information, priority setting amount, collateral item type identification information, financial applicant's credit information, financial application amount and interest rate limit' matched with transaction identification information, and search for the above priority setting amount. Is increased by a set amount corresponding to 'financial supply amount received in step 362-1', the financial application amount is reduced by the financial supply amount, predetermined reservation identification information is generated, and the reservation identification information is reserved in the reservation DB 140. In accordance with the above, the 'financial transaction transaction identification information, collateral building identification information, price information, priority setting amount, collateral type identification information, financial applicant's credit information, financial application amount and interest rate And stores financial and scheduling timestamp feed 'and' providers of financial communication ID 'received in step 362-1.

According to one embodiment of the known method, when the reservation deadline is calculated using the reservation timestamp and a timer (not shown) outputs 'the time corresponding to the reservation deadline as the current time', the commitment deadline has been reached. It is regarded as, and the 'record stored in the reservation DB 140 as described above' is deleted. Meanwhile, according to another embodiment of the known method, when the reservation waiting time reaches a predetermined maximum reservation waiting time by counting the reservation waiting time from the time when the reservation time stamp is calculated, it is considered that the commitment deadline has been reached. , The record is deleted.

According to another additional aspect of the present invention, if the financial relay server 100 considers that the commitment deadline has been reached as described above, the financial relay DB 110 sets the priority setting amount matched with the financial application commitment information. The set amount corresponding to the financial supply amount 'is reduced, and the financial application amount matched to the financial application commitment information is increased by the financial supply amount.

According to another additional aspect of the present invention, steps 366-1 to 384-1 below may be operated before the commitment deadline time passes after operation 364-1.

In step 366-1, when the financial provider terminal 300 accesses the financial relay server 100 by a known method, and the master password is input to the financial provider terminal 300 and a predetermined financial supply reservation information search box is selected, The communication ID is retrieved from the communication ID storage unit 340, and the secret information DB 310 is searched for the 'user ID and the password for the encrypted financial relay server and the one-time encryption key' matched with the financial relay server identification information, and the encryption is performed. Decrypt the encrypted financial relay server password with the master password, encrypt the decrypted financial relay server password with the disposable encryption key to calculate the disposable personal authentication information for the financial relay server, and 'the communication ID as the financial provider communication ID' and ' The user ID as a financial provider ID, 'request information for predetermined financial supply reservation information' and the one-time authentication information are transmitted to the financial relay server 100.

According to an additional aspect of the present invention, in step 366-1, the 'main screen of the financial relay server 100 including the master password input field and the financial supply reservation information search box' in the financial provider terminal 300 is the financial provider. Output to an output unit (not shown) of the terminal 300; It includes.

In step 368-1, when the financial relay server 100 receives the 'financial ID of the financial provider, the communication ID of the financial provider, and the application information for searching the financial supply reservation information and the one-time personal authentication information transmitted in step 366-1,' the user authentication DB In step 130, the 'password hash value' and the one-time encryption key matched to the financial provider ID are extracted, and the one-time authentication information is verified using the extracted information.

An additional aspect in step 310 is also applicable in step 368-1.

If the verification result in step 368-1 is positive, step 370-1 is operated.

In the reservation database 140 of the financial relay server 200 in step 370-1, the 'reservation identification information, collateral building identification information, price information, priority setting amount and collateral matched to the' financial provider ID received in step 368-1 ' Search for the item type identification information, the credit information of the financial applicant, the financial application amount, the interest rate limit, the financial supply amount, and the reservation time stamp, and transmit the searched information to the financial provider terminal 300.

In step 372-1, the financial provider terminal 300 transmits the reservation identification information, collateral item identification information, price information, priority setting amount, collateral item type identification information, financial applicant's credit information and financial application amount transmitted in step 368-1. And the interest rate limit and the financial supply amount and the reservation timestamp ', the received information, the master password input field, the financial supply confirmation box and the financial supply cancellation box are output to the output unit (not shown).

In step 374-1, if 'one or more of the reservation identification information output in step 372-1' is selected in the financial provider terminal 300, the financial provider's master password is entered, and the financial supply confirmation box is selected, the secret information DB Search 310 for 'user ID and password for encrypted financial relay server and one-time encryption key' that match the financial relay server identification information, and match 'Certificate identification information and encrypted certificate for matching certificate issuance server identification information' Password ', the communication ID storage unit 340 retrieves a predetermined communication ID, decrypts each encrypted password with the master password, and encrypts the' password for the decrypted financial relay server 'with the one-time encryption key. Year, calculate the disposable personal authentication information for the financial relay server, search the 'name and real name ID and address' in the real name information storage unit 330, and recall the' as a financial provider ID. User ID ',' the communication ID as the financial provider communication ID ',' the selected reservation identification information ', and' the financial supply amount received by matching the reservation identification information in step 372-1 'and' the financial provider's real name information, Name and real name ID and address', and predetermined 2-3 data to be transmitted, including one-time authentication information for the financial relay server and predetermined financial supply commitment information.

In step 376-1, the financial provider terminal 300 retrieves the encrypted certificate secret key from the certificate storage unit 320, decrypts the certificate secret key with the decryption key for 'password for the certificate decrypted in step 374-1', and , 'Financial provider communication ID included in the 2-3 transmission target data in steps 374-1 as the sender communication ID' and 'communication ID of a predetermined financial relay server as the recipient communication ID' and 'written in step 374-1 Create a predetermined 2-3 notary transmission file including the '2-3 transmission target data', calculate the hash value of the 2-3 notary transmission file, and encrypt the hash value with the certificate secret key. Create a digital provider's digital signature for the 2-3 notarization transmission file, and transmit the 2-3 notary transmission file matching the certificate identification information and the electronic signature to the notary server 700, and Once the decrypted certificate secret key is retrieved in step 374-1 Encrypted with lava encryption key 'and stored in the first temporary memory 360 of the secure area.

An additional aspect in step 356 is also applicable in step 376-1.

In step 378-1, when the notary server 700 receives the '2-3 notarized transmission file matching the certificate identification information and the electronic signature transmitted in step 376-1', a predetermined timestamp is calculated, and the notification is made. By searching for a public key matching the certificate identification information, a hash value of the 2-3 notary transmission file is calculated, the digital signature is decrypted with the public key, and the decrypted value is equal to the hash value. Match.

An additional aspect in step 306 is also applicable in step 378-1.

If the judgment in step 378-1 is positive, step 380-1 is operated,

In step 380-1, the notary server 700 matches the 'timestamp calculated in step 378-1' in the notary DB 710 to store the '2-3 notarized transmission file received in step 378-1' and , Create a predetermined 2-3 notarization complete transmission file including 'the sender communication ID and the receiver communication ID and the 2-3 transmission target data included in the 2-3 notary transmission file', and the second -3 The notarization complete transmission file is transmitted to the financial relay server 100 matching the recipient communication ID.

In step 384-1, when the financial relay server 100 receives the 'second-3 notarized completion transmission file transmitted in step 380-1,' the second 2-3 included in the second-3 notary complete transmission file. Extract the 'reservation identification information, financial provider ID, disposable personal authentication information, and financial provider's name / real name ID / address / communication ID and predetermined financial supply commitment information' from the data to be transmitted, and from the user authentication DB 130 The 'hash value of the password' and the one-time encryption key matched to the financial provider ID are extracted to verify the 'one-time authentication information'.

An additional aspect in step 310 is also applicable in step 384-1.

If the verification result in step 384-1 is positive, step 386-1 is activated.

In step 386-1, the financial relay server 100 calculates a predetermined financial contract signing timestamp, randomly generates a one-time encryption key, and in the authentication DB 130, 'financial provider ID extracted in step 384-1' Search for 'public key and one-time encryption key' matched to, update the one-time encryption key with 'the generated one-time encryption key', encrypt the 'newly generated one-time encryption key' with the public key, and encrypt the Sending the disposable encryption key to the 'financial provider terminal 300 matching the financial provider ID', and 'financial transaction transaction identification information' matched to 'reservation identification information extracted in step 384-1' in the reservation DB 140 And 'priority setting amount', and extracting 'records containing each financial application transaction identification information' from the financial relay DB 110, extracting financial application amounts included in each record, remind Calculate the small amount of the financial supply amount as each financial contract amount, calculate each predetermined amount using the financial contract amount, and match the financial application transaction identification information in the financial relay DB 110 to the financial supply amount and finance Stores the contract amount, the 'financial provider ID' as collateral holder identification information, predetermined financial contract establishment information, and the financial contract conclusion timestamp, and matches the reservation identification information in the reservation DB 140 to establish predetermined financial contract establishment information Save, and stop the 'reservation time count started in step 362-1'.

After step 386 (or step 386-1) is operated, step 387 or below is operated.

In step 387, when the financial provider terminal 300 receives the 'encrypted disposable encryption key' transmitted in step 386 (or step 386-1), the secret information DB 310 disposable matches the financial relay server identification information. Search for the encryption key, search for 'encrypted certificate secret key' in the first temporary memory 360, decrypt the disposable encryption key with the decryption key, decrypt the retrieved 'encrypted certificate secret key', and use the decrypted secret key. Decrypt the 'received, encrypted disposable encryption key', and update the disposable encryption key matched to the financial relay server identification information in the secret information DB 210 with the 'decrypted disposable encryption key'.

The financial applicant communication ID and collateral building identification information matched to the financial application transaction identification information extracted in step 384 (or step 386-1) in the financial relay DB 110 of the financial relay server 100 in step 388. Search for 'financial contract amount', generate predetermined financial contract identification information, match and store the financial application transaction identification information, store the 'financial transaction transaction identification information, predetermined financial contract body decision information, the financial contract identification information and the Prepare predetermined 3-1 transmission target data including the amount of the financial contract, 'the set amount calculated in step 386 (or step 386-1)', and the information requesting the return of the predetermined receipt account ID '.

In step 390, the financial relay server 100 extracts the 'certificate identification information and the certificate secret key' of the financial relay server in a predetermined method, as the 'communication ID of the financial relay server as the sender communication ID' and the 'receiver communication ID,' Create a predetermined 3-1 notary transmission file including the financial applicant communication ID retrieved in step 388 and '3-1 transmission target data created in step 388', and a hash value of the 3-1 notary transmission file Calculate, and encrypt the hash value with the certificate secret key to generate a 'electronic signature of the financial relay server for the 3-1 notary transmission file', and the third matching the certificate identification information and the electronic signature -1 Transmit the notary transfer file to the notary server 700.

In step 392, when the notary server 700 receives the '3-1 notary transmission file in which the certificate identification information and the electronic signature matched in step 390 are matched', a predetermined timestamp is calculated, and the method is publicly known. The public key matching the certificate identification information is searched, the hash value of the 3-1 notary transmission file is calculated, the digital signature is decrypted with the public key, and it is determined whether the decrypted value matches the hash value. .

An additional aspect in step 306 is also applicable in step 392.

If the judgment at step 392 is positive, step 394 is activated,

In step 394, the notary server 700 matches the 'timestamp calculated in step 392' to the notary DB 710 and stores the '3-1 notary transmission file received in step 392', 1 Create a predetermined 3-1 notarization completed transmission file including the sender communication ID, the recipient communication ID and the 3-1 transmission target data included in the notarization transmission file, and the 3-1 notarization completion transmission file To the 'financial applicant terminal 200 that matches the recipient communication ID'.

In step 396, when the financial applicant terminal 200 receives the '3-1 notarized completion transmission file transmitted in step 394', the 3-1 transmission target data included in the 3-1 notary completion transmission file is extracted. Then, extract the 'predetermined financial contract decision information, financial application transaction identification information, financial contract identification information, financial contract amount and set amount and receipt account ID reply request information' from the 3-1 transmission target data, and extract the extracted information and A master password input field, a recipient account ID input field, and a confirmation box are displayed.

When the financial applicant does not find any abnormalities in the outputted information, steps 402 or less of FIGS. 18 to 20 are operated.

8 to 10 is an embodiment of a method for conveniently and safely relaying direct finance according to the present invention, after the financial application confirmation information transmitted from the financial applicant terminal 200 is first stored in the financial relay server 100, the financial provider A is a flow chart showing an embodiment of not using the notary server 700 during an operation in which a direct financial contract is concluded by retrieving the financial application commitment information after retrieving the financial application commitment information using the financial provider terminal 300.

In step 302-2, the financial applicant terminal 200 accesses the financial relay server 100 by a known method, and provides the financial applicant terminal 200 with predetermined financial application condition information, predetermined financial application amount, and predetermined credit information. When the application information, the predetermined financial application confirmation information, the predetermined notarized transmission application information, and the 'master password of the financial applicant' are input, the 'password for the encrypted financial relay server' matched to the financial relay server identification information in the secret information DB 310 And 'Disposable Encryption Key', search for 'Blockchain Account Identification Information and Encrypted Blockchain Account Secret Key' matched with the blockchain network identification information, and communicate with the communication ID storage unit 340. Retrieve the ID, decrypt the encrypted 'password for the financial relay server and the block chain account secret key' with the master password, and 'password for the decrypted financial relay server' with the disposable encryption key. Encrypted to calculate the one-time authentication information for the financial relay server, 'Blockchain account identification information of the financial applicant as financial applicant identification information', 'The communication ID as the financial applicant communication ID', the financial application amount and the financial application The predetermined first and second transmission target data including condition information, predetermined financial application commitment information, and one-time authentication information for the financial relay server is prepared.

One additional aspect in step 302 is also applicable in step 302-1.

In step 304-2, in the financial applicant terminal 200, 'blockchain account identification information of the financial applicant retrieved in step 302-2' as 'sender identification information' and 'blockchain of a predetermined financial relay server 100 as recipient identification information' Creates predetermined first-2 transaction data including 'account identification information' and 'first-2 transmission target data created in step 302-2', calculates a hash value of the first-2 transaction data, and The hash value is encrypted with the 'blockchain account secret key decrypted in step 302-2' to generate the 'electronic signature of the financial applicant for the first-2 transaction data', and the first electronic signature is matched. -2 Transmit the transaction data to the financial relay server 100, and encrypt the decrypted blockchain account secret key with the 'disposable encryption key retrieved in step 302-2' and store it in the first temporary memory 260 of the secure area. And the electronic to the standby transaction DB 280 The 1-2 transaction data with the matching signature is stored.

According to an additional aspect of the present invention, step 304-2 includes the steps of the financial applicant terminal 200 accessing the financial application page of the financial relay server 100; The financial relay server 100 transmitting the 'blockchain account identification information of the financial relay server 100' to the financial applicant terminal 200; In step 304-2, 'blockchain account identification information of the financial relay server' is used as recipient identification information of the 1-2 transaction data.

According to an additional aspect of the present invention, 'the information stored in the first temporary memory 260 is automatically deleted when a predetermined time limit (for example, 3 minutes) has elapsed. Therefore, the 'blockchain account secret key encrypted with the one-time encryption key' is stored only during the time limit.

In step 310-2, when the financial relay server 100 receives the 'first-2 transaction data matched with the electronic signature transmitted in step 304-2', the first-2 transaction data may include 'as sender identification information. 'Blockchain account identification information of financial applicants' and 'Blockchain account identification information of financial applicants, financial applicant's communication ID, and financial request amount' in '1-2 Transmission target data included in the above 1-2 transaction data' And the hash of the password matched to the 'blockchain account identification information of the financial applicant' in the user authentication DB 130, extracting the financial application condition information, the financial application commitment information, and the predetermined one-time authentication information for the financial relay server. The value 'and the one-time encryption key are searched to verify the' one-time authentication information for the financial relay server extracted from the first-2 transmission target data ', the hash value of the first-2 transaction data is calculated, and the user authentication DB (130 ) From the 'financial scene Search for a public key matched with 'blockchain account identification information as celadon identification information', decrypt the digital signature with the public key, and determine whether the decrypted value matches the hash value.

An additional aspect in step 310 is also applicable in step 310-2.

If both the verification result and the determination result in step 310-2 are positive, step 312-2 is operated.

In step 312-2, the financial relay server 100 stores the 'first-2 transaction data matched with the electronic signature, received in step 310-2' in the standby transaction DB 180, and randomly uses the one-time encryption key. Create, update the 'disposable encryption key retrieved in step 310-2' to 'the generated disposable encryption key', and encrypt the 'disposable encryption key generated above' with the 'public key retrieved in step 310-2'. Then, it generates predetermined financial application transaction identification information and a predetermined virtual information server ID for the credit information server, and matches the financial application transaction identification information in the financial relay DB 110 with the virtual user ID for the credit information server in step '310- Stores the block chain account identification information of the financial applicant, the financial applicant communication ID, and the financial application amount and financial application condition information extracted in step 2. 'And prescribed The credit information server access address is transmitted to the 'financial applicant terminal 200 matching the financial applicant communication ID'.

Step 314 in Figures 4-7 is operated,

In step 316-2, the real name information storage unit 230 of the financial applicant terminal 200 searches for the 'name and real name ID and address' of the financial applicant, and as' credit information provision applicant identification information and credit evaluation target identification information, the Financial applicant's name / real name ID / address' and 'Blockchain account identification information of the financial relay server as credit identification target information' and 'Virtual user ID for credit information server received in step 314' and prescribed credit information provision application Create a predetermined credit information providing electronic application including information, search the block chain account identification information matching the predetermined blockchain network identification information in the secret information DB 210 as the blockchain account identification information of the financial applicant, 'Blockchain account identification information of the financial applicant as the sender identification information' and 'Blockchain account identification information of the predetermined credit information server 500 as the recipient identification information' and before providing the credit information Create the predetermined credit information provision application transaction data including the application form, calculate the hash value of the credit information provision application transaction data, encrypt the hash value with the 'secret key decrypted in step 314', and select the 'credit information. Generates the electronic signature of the financial applicant for the provision application transaction data, transmits the credit information provision application transaction data matching the electronic signature to the credit information server 500, and sends the electronic information to the standby transaction DB 280. The credit information providing application transaction data matching the signature is stored.

In step 318-2, when the credit information server 500 receives' the credit information providing application transaction data transmitted in step 316-2 matching electronic signature ', the credit information providing transaction data shows' sender identification information. Blockchain account identification information of financial applicants as and 'Blockchain account identification information of the credit information server as recipient identification information' and electronic application for providing credit information are extracted, and the above-mentioned 'block of financial applicant as sender identification information' Search for the public key matched to 'chain account identification information', calculate the hash value of the credit information provision transaction data, decrypt the digital signature with the public key, and determine whether the decrypted value and the hash value match do.

According to an additional aspect of the present invention, the 'notification method of searching for a public key matched with a predetermined block chain account identification information' means the block chain account identification information in a predetermined DB published on a predetermined blockchain network. It may be one of a method of retrieving the public key matched to, and a method of calculating the public key using the blockchain account identification information.

If the judgment at step 318-2 is positive, step 320-2 is operated.

In the credit information server 500 in step 320-2, in the credit information DB 510, in the 'credit information provision electronic application extracted in step 318-2', the 'name and real name ID and address as credit information provision applicant identification information' Search for predetermined credit information matching one or more of the above, and 'credit user ID for the credit information server included in the credit information providing electronic application, as identification information for credit evaluation target' and predetermined credit information notification including the credit information Write a full text.

According to an additional aspect of the present invention, if the judgment in step 318-2 is positive, the name and real name ID as 'credit information providing applicant identification information' included in the 'credit information providing electronic application extracted in step 318-2' And address', the person who matches one or more of them is verified, and step 320 is operated only when the result of the identification is positive.

According to an embodiment of the identity verification method, before step 320 is operated, a predetermined password is registered from a financial applicant matching the identification information of the applicant for providing credit information, and personal authentication information using the password in the electronic application for providing credit information It is a method to verify by including.

Another embodiment of the identity verification method, in accordance with the example illustrated in step 434-2 in FIGS. 24 to 26, the financial applicant terminal 200, the 'financial identification information and the real-name block chain account identification information Applicant's blockchain account identification information 'and' blockchain account identification information of the credit information server 500 as identification information to be provided for real-name information ', predetermined application information for providing real-name information, and the one-time authentication information Fill out the electronic application for providing real name information, 'Blockchain account identification information of the financial applicant as sender identification information' and 'Blockchain account identification information of the bank server 900 as recipient identification information' and the electronic application for providing real name information Creating predetermined transaction data that includes and matching the 'electronic signature of the applicant for the transaction data' and transmitting it to the bank server 900; In accordance with what is illustrated in step 438-2 in FIGS. 24 to 26, a predetermined real name electronic confirmation including 'realized subject blockchain account identification information and real name ID' and 'bank server 900 as sender identification information' Blockchain account identification information 'and predetermined transaction data including' blockchain account identification information of the credit information server 500 as recipient identification information 'are received from the bank server 900 with matching electronic signatures, and step Verifying the transaction data and the digital signature according to what is illustrated in 438-2; If the verification is affirmative, the 'real name subject blockchain account identification information and real name ID included in the real name electronic confirmation' are included in the credit information providing electronic application extracted in step 318-2, respectively, to identify the credit information providing applicant. Determining whether it matches the real name ID as information and credit evaluation subject identification information and 'blockchain account identification information of the financial applicant as sender identification information extracted in step 318-2'; It includes.

In step 322-2, in the credit information server 500, in the 'credit information provision electronic application extracted in step 318-2', 'blockchain account identification information of the financial relay server as identification information for credit information provision target' is extracted, and ' Blockchain account identification information of the credit information server 500 as sender identification information and the above-mentioned 'blockchain account identification information of the financial relay server as credit information providing target identification information' and 'credit information created in step 320' Creates predetermined credit information providing transaction data including 'notification message', calculates the hash value of the credit information providing transaction data, and hashes the 'secret key of the credit information server 500 extracted by a predetermined method' Encrypts the value to generate an 'electronic signature of the credit information server 500 for the credit information provision transaction data', and the credit information provision matching the electronic signature The transaction data is transmitted to the financial relay server 100 that matches the recipient identification information.

In step 324-2, when the financial relay server 100 receives the 'credit information providing transaction data matched with the electronic signature transmitted in step 322-2', calculates a hash value of the credit information providing transaction data, Extract the 'blockchain account identification information of the credit information server 500 as sender identification information' from the credit information providing transaction data, and match the 'blockchain account identification information of the credit information server 500' by a known method The public key is searched, the digital signature is decrypted with the public key, and it is determined whether the decrypted value and the hash value match.

An additional aspect in step 318-2 is also applicable in step 324-2.

If the judgment at step 324-2 is positive, step 326-2 is operated.

In step 326-2, the financial relay server 100 stores the 'credit information providing transaction data matched with the electronic signature matched in step 324-2' in the standby transaction DB 180, and receives it in 'step 324-2' Extract the credit information notification message from one credit information provision transaction data, and match the 'virtual user ID for the credit information server included in the credit information notification message' in the financial relay DB 110 and include it in the 'credit information notification message' Stored Credit Information ', and transmits predetermined restricted property inquiry information including collateral building identification information included in' financial application condition information extracted in step 310-2 'to the rights registration server 400.

Steps 328 to 354 in FIGS. 4 to 7 are operated.

In step 356-2, when the predetermined financial supply amount and the master password of the financial provider are input to the financial provider terminal 300 and the financial supply commit box is selected, the secret information DB 310 matches the 'encryption' matching the financial relay server identification information. Search for 'password and disposable encryption key for financial relay server', search 'blockchain account identification information and encrypted blockchain account secret key of financial provider' matched with blockchain network identification information, and communicate ID storage unit (340 ), Search for a predetermined communication ID, search for 'name and real name ID and address' in the real name information storage unit 330, and use the encrypted 'password for financial relay server and secret key for blockchain account' as the master password. Decrypt, and encrypt the 'password for the decrypted financial relay server' with the disposable encryption key to calculate the disposable personal authentication information for the financial relay server, and identify the 'blockchain account of the financial provider' Financial application transaction identification matching the financial application confirmation information selected in step 354 with 'extracted name, real name ID, address, and communication ID' as 'Bo' and 'name / real name ID / address / communication ID of the financial provider' Create the prescribed 2-2 transmission target data including information ', the financial supply amount, predetermined financial supply commitment information, and one-time personal authentication information for the financial relay server, and create a' blockchain account of the financial provider as sender identification information. Identification information 'and' blockchain account identification information of the financial relay server as recipient identification information 'and predetermined 2-2 transaction data including the 2-2 transmission target data, and the 2-2 transaction data Calculates the hash value of, encrypts the hash value with 'the decrypted blockchain account secret key', generates 'the electronic signature of the financial provider for the 2-2 transaction data', and the electronic signature is The transferred 2-2 transaction data is transmitted to the financial relay server 100, and the 'decrypted blockchain account secret key' is encrypted with the disposable encryption key and stored in the first temporary memory 360 of the secure area, The 2-2 transaction data matching the electronic signature is stored in the standby transaction DB 380.

An additional aspect in step 356 is also applicable in step 356-2.

In step 384-2, when the financial relay server 200 receives the 'second-2 transaction data matched with a predetermined electronic signature transmitted in step 356-2', the 'sender' in the second-2 transaction data is received. 'Blockchain account identification information of financial providers' as identification information, and 'Blockchain account identification information of financial providers and names of financial providers' in '2-2 Transmission target data included in the above 2-2 transaction data' / Real name ID / address / communication ID, financial application transaction identification information, financial supply amount, predetermined financial supply commitment information, and one-time personal authentication information for the financial relay server are extracted, and the 'financial provider's block in the user authentication DB 130 'Hash value of password' matched to 'chain account identification information' and a one-time encryption key are extracted to verify 'one-time authentication information included in the above 2-2 data to be transmitted' and verify the identity in the user authentication DB 130. 'Blockchain account identification information of financial providers' The matched public key is searched, the hash value of the 2-2 transaction data is calculated, the digital signature is decrypted with the public key, and it is determined whether the decrypted value matches the hash value.

An additional aspect in step 310 is also applicable in step 384-2.

When both the verification result and the determination result in step 384-2 are positive, steps 386 and 387 in FIGS. 4 to 7 and steps 388-2 and below are operated.

In step 388-2, the second transaction data matching the digital signature received in step 384-2 is stored in the standby transaction DB 180 of the financial relay server 100, and the financial relay DB 110 is stored. Search 'Blockchain account identification information and collateral building identification information, financial contract amount and set amount and financial applicant communication ID' matching 'financial application transaction identification information extracted in step 384-2' in Generates contract identification information, matches and stores the financial application transaction identification information, and stores the financial application transaction identification information and the predetermined financial contract information, the financial contract identification information, the financial contract amount, the set amount, and the predetermined receipt account. The predetermined 3-2 transmission target data including 'information requesting ID reply' is created.

On the other hand, according to another aspect of the present invention, after replacing the steps 356 to 388-2, 'steps 356-1 to 372-1 in FIGS. 4 to 7' are operated, and then steps 374-3 to step below 388-3 may be activated.

In step 374-3, if 'one of the reservation identification information output in step 372-1' is selected in the financial provider terminal 300, and the master password of the financial provider is entered and the financial supply confirmation box is selected, the secret information DB ( 310), search for 'user ID and password for encrypted financial relay server and one-time encryption key' matched with the financial relay server identification information, and match the 'blockchain account identification information of the financial provider with the specific blockchain network identification information. Search for the encrypted blockchain account secret key, search for a predetermined communication ID in the communication ID storage unit 340, decrypt the encrypted 'password for financial relay server and blockchain account secret key' with the master password. , Encrypt the 'password for the decrypted financial relay server' with the disposable encryption key to calculate the disposable personal authentication information for the financial relay server, and in the real name information storage unit 330 Name ID and address', and match the reservation identification information in step 372-1 with 'the user ID as a financial provider ID' and 'the communication ID as a financial provider communication ID', 'the selected reservation identification information' and 'step 372-1' The received financial supply amount ',' the above name, real name ID and address as the financial provider's real name information ', and the prescribed 2-4 data to be transmitted, including one-time authentication information for the financial relay server and predetermined financial supply confirmation information. To write

In step 376-3, 'blocker account identification information of the financial provider retrieved in step 374-3' as' sender identification information 'and' blockchain account identification information of the financial relay server 100 as recipient identification information 'and' step 374- The predetermined 2-4 transaction data including the 2-4 transmission target data created in 3 is created, the hash value of the 2-4 transaction data is calculated, and the hash value is determined in step 374-3. Encrypted with the decrypted blockchain account secret key to generate the 'electronic signature of the financial provider for the 2-4 transaction data', and the '2-4 transaction data matching the electronic signature' to the financial relay server (100), encrypt the 'decrypted blockchain account secret key' with the 'disposable encryption key retrieved in step 374-3', store it in the first temporary memory 360 of the secure area, and wait transaction DB ( 380) is the 2-4 transaction matching the electronic signature Save data.

An additional aspect in step 356 is also applicable in step 376-3.

In step 384-3, when the financial relay server 100 receives 'the 2-4 transaction data matched with the digital signature transmitted in step 376-3', the '2nd included in the 2-4 transaction data' -4 Extract 'reservation identification information, financial provider ID, disposable personal authentication information, and name / real name ID / address / communication ID and predetermined financial supply commitment information' as the financial provider's real name information, and verify the personal identification DB In step 130, the 'password hash value' and the one-time encryption key matched to the financial provider ID are extracted to verify the extracted one-time authentication information.

An additional aspect in step 310 is also applicable in step 384-3.

When the verification result in step 384-3 is positive, steps 386-1 and 387 in FIGS. 4 to 7 are operated, and then step 388-3 below is operated.

In step 388-3, the second transaction data matching the electronic signature received in step 384-3 is stored in the standby transaction DB 180 of the financial relay server 100, and the financial relay DB 110 Search 'Blockchain account identification information and collateral building identification information, financial contract amount and set amount and financial applicant communication ID' matching 'financial application transaction identification information extracted in step 386-1' in the Generates contract identification information, matches and stores the financial application transaction identification information, and stores the financial application transaction identification information and the predetermined financial contract information, the financial contract identification information, the financial contract amount, the set amount, and the predetermined receipt account. The predetermined 3-2 transmission target data including 'information requesting ID reply' is created.

After step 388-2 (or step 388-3) is operated, step 390-2 or below is operated.

In step 390-2, the financial relay server 100 extracts the block chain account secret key of the financial relay server by a known method, and as 'sender identification information, the block chain account identification information of the financial relay server' and 'recipient identification information' Blockchain account identification information of the financial applicant retrieved in step 388-2 (or step 388-3) as' as described above, and '3-2 data to be transmitted in step 388-2' Create predetermined 3-2 transaction data, calculate the hash value of the 3-2 transaction data, encrypt the hash value with the blockchain account secret key, and say, 'Financial relaying of the 3-2 transaction data. Create an electronic signature of the server 100, transmit the third-2 transaction data matching the electronic signature to the 'financial applicant terminal 200 matching the receiver identification information', and wait transaction DB 180 ) To the 3-2 transaction jack in which the electronic signature is matched. Save option data.

In step 394-2, when the financial applicant terminal 200 receives' the 3-2 transaction data matched with the electronic signature transmitted in step 390-2 ', the 3-2 transaction data displays' sender identification information. Blockchain account identification information and 3-2 transmission target data 'of the financial relay server 100 are extracted, the hash value of the 3-2 transaction data is calculated, and the blockchain account identification information is known. Extract the public key matched to, decrypt the digital signature with the public key, and determine whether the decrypted value matches the hash value.

An additional aspect in step 318-2 is also applicable in step 324-2.

If the judgment at step 394-2 is positive, step 396-2 is operated.

In step 396-2, the financial applicant terminal 200 stores the '3-2 transaction data matched with the digital signature received in step 394-2' in the standby transaction DB 280, and in 'step 394-2'. From the extracted 3-2 data to be transmitted, 'financial application transaction identification information, predetermined financial contract decision information, financial contract identification information, financial contract amount and set amount, and receipt account ID reply request information' are extracted, and the extracted information and The master password input field, the recipient account ID input field, and a confirmation box are displayed.

If the financial applicant does not intend to cancel the direct finance corresponding to the output financial contract decision, steps 402-1 or less in FIGS. 21 to 23 are operated.

11 and 12 is an embodiment of a method for conveniently and safely relaying direct finance according to the present invention, after the financial application confirmation information transmitted from the financial applicant terminal 200 is first stored in the financial relay server 100, the financial provider A is a flow chart showing an embodiment of using a notary server 700 during an operation in which a direct financial contract is concluded by sending financial supply commitment information without retrieving financial application commitment information using the financial provider terminal 300.

Steps 302 to 334 in FIGS. 4 to 7 operate the same.

In step 336-4, the financial provider terminal 300 accesses the financial relay server 100 by a known method, and the financial provider terminal 300 is provided with predetermined financial supply condition information, financial supply amount, and predetermined financial supply commitment information. When the predetermined notarization transmission request information and the master password of the financial provider are input, the secret information DB 310 searches for the 'user ID and the password for the encrypted financial relay server and the one-time encryption key' matched with the financial relay server identification information, Search for 'certificate identification information and password for encrypted certificate' that matches the predetermined certificate issuing server identification information, search the encrypted certificate secret key in the certificate storage unit 320, and specify it in the communication ID storage unit 340. Retrieves the communication ID of the financial provider as the communication ID, searches the predetermined 'name and real name ID and address' in the real name information storage unit 330, and passes the encrypted 'password for the financial relay server and the password for the certificate' 'Is decrypted with the master password, the decrypted financial relay server password is encrypted with the one-time encryption key to calculate the disposable personal authentication information for the financial relay server, and the decrypted certificate password is decrypted with the decryption key to decrypt the certificate secret key. , Communication with the extracted name, real name ID and address as 'financial ID / real name ID / address / communication ID' of 'user ID extracted by matching with the financial relay server identification information, as financial provider ID' ID ', the financial supply condition information, the financial supply amount, the predetermined financial supply commitment information, and the predetermined 2-5 transmission target data including the one-time personal authentication information for the financial relay server, and the' send as the sender communication ID Financial provider communication ID 'and' communication ID of the financial relay server as the recipient communication ID 'and a predetermined 2-5 notarization including the 2-5 transmission target data Create a song file, calculate the hash value of the 2-5 notary transmission file, and encrypt the hash value with the certificate secret key to obtain the 'electronic signature of the financial provider for the 2-5 notary transmission file'. Generating, transmitting the 2-5 notarization transmission file matching the certificate identification information and the digital signature to the notary server 700, and encrypting the decrypted certificate secret key with the disposable encryption key to secure the first It is stored in the temporary memory 360.

According to an additional aspect of the present invention, step 336-4 comprises: accessing a predetermined financial supply confirmation screen provided by the financial relay server 100 by the financial provider terminal 300; A list of collateral items, a list of collateral areas, a priority setting ratio limit field, a collateral limit volatility limit field, a collateral item price range list, a credit applicant credit rating list, a financial supply amount input field, a personal identification information field, and a financial supply confirmation box A predetermined financial supply confirmation screen including a step of outputting to the financial provider terminal 300; It includes.

According to an additional aspect of the present invention, the financial supply condition information includes a financial application amount limit, an interest rate limit, collateral object type identification information, collateral item area identification information, collateral item characteristic information, and priority setting ratio limit information.

An example of the financial supply condition information entered in step 336-4 is an apartment as a collateral and a collateral for “50%” as the priority setting ratio limit and Hanyang 1st apartment in Apgujeong-dong, Gangnam-gu, Seoul as collateral identification information. Includes “over 1 billion and under 3 billion” as the price range and “all” as the financial applicant credit rating.

According to an additional aspect of the present invention, the 'secret key encrypted with the disposable encryption key' is stored for a predetermined period of time (eg, 3 minutes), and is automatically deleted when the period expires.

According to an additional aspect of the present invention, an embodiment of the 'operation of inputting predetermined financial supply commitment information and predetermined notary transmission request information', the 'predetermined financial supply confirmation box and the predetermined notary transfer request box' 'Is the operation to select each.

In step 338-4, when the notary server 700 receives the '2-5 notarized transmission file matching the certificate identification information and the electronic signature transmitted in step 336-4', a predetermined timestamp is calculated and announced Searching for the public key matching the certificate identification information by the method, calculate the hash value of the 2-5 notary transmission file, decrypt the digital signature with the public key, and the decrypted value is equal to the hash value Match.

An additional aspect at step 306 is also possible at step 338-4.

If the judgment at step 338-4 is positive, step 340-4 is operated,

In step 340-4, the notary server 700 matches the 'timestamp calculated in step 338-4' in the notary DB 710 to store the '2-5 notarized transmission file received in step 338-4' and , Create a predetermined 2-5 notarization complete transmission file including the 'sender's communication ID, the recipient's communication ID and the 2-5 transmission target data included in the 2-5 notary transmission file, and the second -5 Transmit the notarized completion transfer file to the financial relay server 100 matching the recipient communication ID.

In step 342-4, when the financial relay server 100 receives the '2-5 notarized completion transmission file transmitted in step 340-4', the '2-5 included in the 2-5 notarized completion transmission file' is received. Extract the 'financial provider ID, financial provider's name / real name ID / address / communication ID, financial supply condition information, financial supply amount, financial supply commitment information, and one-time personal authentication information for the financial relay server' from the data to be transferred, and authenticate yourself DB 130 extracts a 'password hash value' and a one-time encryption key matched to the financial provider ID to verify the one-time authentication information.

An additional aspect in step 310 is also applicable in step 342-4.

If the verification result in step 342-4 is positive, step 344-4 is operated.

In step 344-4, the financial relay server 100 randomly generates a one-time encryption key, and in the user authentication DB 130, the 'one-time encryption key and public key' matched to the 'financial provider ID extracted in step 342-4'. Search, update the disposable encryption key to 'the generated disposable encryption key', encrypt the 'generated disposable encryption key' with the public key, and match the encrypted disposable encryption key with the 'financial provider ID' The financial provider terminal 300, and extracts records that satisfy all of the 'financial supply condition information extracted in step 342-4' in the financial relay DB 110.

If none of the records are extracted in step 344-4, steps 346-6 and below in FIGS. 14 and 15 are operated, and if more than one record is extracted, steps 384-4 and below are operated.

In step 384-4, the financial relay server 100 calculates a predetermined financial contract signing timestamp and compares the 'interest rate limit included in each record extracted in step 344-4' to record the highest interest rate limit. It is preferentially extracted, but extracts until the 'financial supply amount extracted in step 342-4' is filled, stores the financial contract conclusion timestamp in each extracted record, and the last extracted record among each extracted record In each record except, the amount matching the financial request amount is calculated as the financial contract amount and stored in the corresponding record, and in the last extracted record, the 'financial application amount included in the record' and 'financial extracted in step 342-4' A small amount of the balance that deducted all of the financial contract amounts stored in the first extracted record from the supply amount 'is stored as the financial contract amount, and each calculated financial contract Calculate the set amounts corresponding to the fields, increase the priority set amount of each record in which the financial contract amount is stored by 'the set amount calculated corresponding to the financial contract amount stored in the record', and increase the financial application amount of each record in which the financial contract amount is stored. The financial contract amount stored in the record is reduced.

Step 387 in Figures 4-7 is operated.

In step 388-4, the financial relay server 100 searches for 'the communication ID of the financial applicant, the collateral building identification information, the financial application transaction identification information, the financial contract amount, and the set amount included in each record extracted in step 384-4'. Then, generate predetermined financial contract identification information, match and store the financial application transaction identification information, and store the 'financial application transaction identification information, predetermined financial contract identification information, the financial contract identification information, the financial contract amount, and the set amount. And information for requesting a reply to a predetermined recipient account ID '.

Thereafter, step 390 or less in FIGS. 4 to 7 is operated.

13 is a method of conveniently and safely relaying direct finance according to the present invention, as the financial application confirmation information transmitted from the financial applicant terminal 200 is first stored in the financial relay server 100, and then the financial provider is the financial provider. It is a flow chart showing an embodiment of not using the notary server 700 during an operation in which a direct financial contract is concluded by transmitting the financial supply confirmation information without retrieving the financial application commitment information using the terminal 300.

Steps 302-2 to 334 in Figs. 8 to 10 operate the same.

In step 336-5, the financial provider terminal 300 accesses the financial relay server 100 in a known manner, and the financial provider terminal 300 is provided with predetermined financial supply condition information, financial supply amount, and predetermined financial supply commitment information. When the predetermined notarization transmission request information and the master password of the financial provider are input, the secret information DB 310 searches for a 'password for encrypted financial relay server and a one-time encryption key' matched with the financial relay server identification information, and a predetermined block Search for the 'blockchain account identification information of the financial provider and the encrypted blockchain account secret key' matched with the chain network identification information, search for a predetermined communication ID in the communication ID storage unit 340, and the real name information storage unit ( 330), search for a predetermined 'name and real name ID and address', decrypt the encrypted 'password for the financial relay server and the block chain account secret key' with the master password, and use the disposable encryption key to The decrypted financial relay server password is encrypted to calculate the disposable personal authentication information for the financial relay server, and the above is described as the financial provider's blockchain account identification information and the financial provider's name / real name ID / address / communication ID. Extracted name, real name ID, address and communication ID ', predetermined 2-6 transmission targets including the financial supply condition information, the financial supply amount, predetermined financial supply commitment information, and disposable personal authentication information for the financial relay server. Prepare the data, and include the 'blockchain account identification information as sender identification information', 'blockchain account identification information of the financial relay server as recipient identification information', and the 2-6 transmission target data. 6 Create transaction data, calculate the hash value of the 2-6 transaction data, encrypt the hash value with the blockchain account secret key, and say, 'For the 2-6 transaction data. Create a digital signature of a financial provider ', send the 2-6 transaction data matching the digital signature to the financial relay server 100, and encrypt the decrypted blockchain account secret key with the one-time encryption key It is stored in the first temporary memory 360 of the secure area, and the 2-6 transaction data matching the electronic signature is stored in the standby transaction DB 380.

An additional aspect and an example in step 336-4 is also applicable in step 336-5.

In step 342-5, when the financial relay server 100 receives the '2-6 transaction data transmitted in step 336-5', the '2-6 transmission target data included in the 2-6 transaction data' is received. Extract the 'blockchain account identification information / name / real name ID / address / communication ID' from the financial provider, financial supply condition information, financial supply amount, financial supply commitment information, and one-time personal authentication information for the financial relay server, and authenticate At 130, the 'password hash value' and the one-time encryption key matched to the 'blockchain account identification information of the financial provider' are searched to verify the one-time authentication information, and the hash value of the 2-6 transaction data is retrieved. Calculate, search the public key matching the 'financial provider's blockchain account identification information' in the identity authentication DB 130, decrypt the digital signature with the public key, and determine whether the decrypted value matches the hash value do.

An additional aspect at step 310 is also applicable at step 342-5.

If both the verification result and the judgment in step 342-4 are positive, steps 344-4 and below in FIGS. 11 and 12 are operated.

14 and 15 is an embodiment of a method for conveniently and safely relaying direct finance according to the present invention, after the financial reservation information transmitted from the financial provider terminal 300 is first stored in the financial relay server 100, the financial applicant It is a flowchart showing an embodiment of using the notary server 700 during an operation in which a direct financial contract is concluded by transmitting financial application confirmation information using the financial applicant terminal 200.

Steps 336-4 to 344-4 of FIGS. 11 and 12 are operated.

In step 344-4, if more than one record is extracted, steps 384-4 of FIGS. 11 and 12 are operated, and if none are extracted, steps 346-6 or below are operated.

In step 346-6, the financial relay server 100 calculates a predetermined timestamp, generates predetermined financial supply waiting identification information, and provides the 'timestamp and financial supply waiting identification information' to the supply waiting DB 120. Match and store 'financial provider ID and financial provider's name / real name ID / address / communication ID and financial supply condition information and financial supply amount extracted in step 342-4'.

In step 348-6, the financial applicant terminal 200 accesses the financial relay server 100 by a known method, the financial applicant search term information is input to the financial applicant terminal 200, and the predetermined financial supply search box is displayed. When selected, the communication ID storage unit 240 searches for a predetermined communication ID as the financial applicant communication ID, and the secret information DB 210 searches for a user ID matching the financial relay server identification information as the financial application interest ID, The financial applicant terminal 200 transmits the financial supply search condition information and the predetermined financial supply search information to the financial relay server 100 by matching the 'one or more of the financial applicant communication ID and the financial applicant ID'.

According to an additional aspect of the present invention, step 348-6, the collateral list of collateral and the collateral zone list, the priority setting ratio limit input field, the collateral property volatility limit input field, collateral item price range list, and financial applicant credit rating A predetermined financial supply search screen including a list and a financial supply search box is output to the financial applicant terminal 200; It includes.

In step 350-6, when the financial relay server 100 receives 'at least one of the financial supply search condition information, the financial applicant communication ID, and the financial application interest ID transmitted in step 348-6', the supply waiting DB 120 ) Extracts records that satisfy all of the above financial supply search conditions, and the 'financial supply waiting identification information, financial supply condition information, and financial supply amount' of each extracted record as financial supply waiting information is accessed in step 348-6. Applicant terminal 200 '.

In step 352-6, when the financial applicant terminal 200 receives 'financial supply waiting information consisting of financial supply waiting identification information, financial supply condition information, and financial supply amount' transmitted in step 350-6, the financial supply waiting information To the output unit (not shown).

In step 354-6, when the financial applicant selects one of the financial supply waiting information output to the output unit (not shown) using the input unit (not shown) of the financial applicant terminal 300, the financial supply waiting information 'Financial supply waiting identification information and financial supply condition information and financial supply amount', financial application amount input field, financial application condition input box, credit information provision application box, financial application confirmation box, notary transfer application box and master password input field are displayed. .

According to an additional aspect of the present invention, the financial application condition input field may include at least one of a collateral property identification information field, a financial applicant credit rating limit input field, a priority setting ratio limit input field, and an interest rate limit input field.

In step 356-6, the financial applicant terminal 200 inputs the predetermined financial application amount, predetermined financial application condition information, predetermined credit information provision application information, predetermined financial application confirmation information, predetermined notarized transmission application information, and master password. When it does, the secret information DB 210 searches for a 'user ID and a password for the encrypted financial relay server and a one-time encryption key' matched with the predetermined financial relay server identification information, and the 'certificate matching the predetermined certificate issuing server identification information. The identification information and the password for the encrypted certificate are searched, the communication ID storage unit 240 searches for a predetermined communication ID as the financial applicant communication ID, and the real-name information storage unit 230 displays the financial applicant's 'name and real name ID'. And address', decrypt the encrypted 'password for financial relay server and password for certificate' with the master password, and decrypt the decrypted financial relay server password. Calculate the one-time authentication information for the financial relay server by encrypting it with the lava encryption key, 'the user ID as the financial applicant ID' and 'financial supply standby identification information and financial supply condition information' and the financial application amount output in step 354-6. And the first to third transmission target data including the financial application condition information, the 'name and real name ID and address and communication ID' of the financial applicant, and one-time personal authentication information for the financial relay server and predetermined financial application confirmation information. Then, the encrypted certificate secret key is retrieved from the certificate storage unit 220, and the 'password for decrypted certificate' is decrypted with the decryption key to decrypt the certificate secret key, and the 'financial applicant communication ID as the sender communication ID' and ' Create a predetermined 1-3 notary transmission file including the communication ID of the predetermined financial relay server as the recipient communication ID and the first-3 transmission target data, and generate the first-3 notary transmission file. The hash value is calculated, and the hash value is encrypted with the certificate secret key to generate a 'electronic signature of the financial applicant for the first-3 notarized transmission file', and the certificate identification information and the electronic signature are matched. 1-3 The notarization transmission file is transmitted to the notary server 700, and the decrypted certificate secret key is encrypted with the disposable encryption key and stored in the first temporary memory 260 of the secure area.

One additional aspect in step 302 of FIGS. 4-7 is also applicable in step 356-6.

In step 358-6, when the notary server 700 receives the '1-3 notarized transmission file matching the certificate identification information and the electronic signature transmitted in step 356-6', a predetermined timestamp is calculated and announced Searching for the public key matching the certificate identification information by the method, calculates the hash value of the 1-3rd notary transmission file, decrypts the digital signature with the public key, and the decrypted value is equal to the hash value. Match.

One additional aspect at step 306 is also applicable at step 358-6.

In step 360-6, the notary server 700 matches the 'timestamp calculated in step 358-6' in the notary DB 710 to store the '1-3 notarized transmission file received in step 358-6' and , Create a predetermined first-3 notarization complete transmission file including 'the sender communication ID, the receiver communication ID and the first-3 transmission target data included in the first-3 notarization transmission file', and the first -3 The notarization complete transmission file is transmitted to the financial relay server 100 matching the recipient communication ID.

In step 380-6, when the financial relay server 100 receives the 'first-3 notarized completion transmission file transmitted in step 360-6,' the first 1-3 included in the first-3 notarized completion transmission file. In the data to be transferred, 'financial identification information for financial supply, financial applicant ID, financial supply condition information, financial application amount, financial application condition information, and financial applicant's name / real name ID / address / communication ID and prescribed financial application commitment information and prescribed 'Disposable Personal Authentication Information for Financial Relay Server' is extracted, and the 'password hash value' and the disposable encryption key matched to the financial applicant ID are extracted from the personal authentication DB (130) to verify the disposable personal authentication information and wait for supply. The 'financial supplier ID and financial supply condition information and financial supply amount' matching the financial supply standby identification information is extracted from the DB 120, and the 'financial supply condition information extracted from the supply waiting DB 120' is' the first 1-3 Financial application group extracted from data to be transferred Information, and determining whether the match, "it is determined that the financial supply liquid" is "Financial sincheongaek above, derived from the first 1-3 send destination data extracted from the supplied air DB (120).

An additional aspect in step 310 is also applicable in step 380-6.

If both verification and judgment in step 380-6 are positive, step 382-6 is activated.

In step 382-6, the financial relay server 100 randomly generates a one-time encryption key, and in the user authentication DB 130, the 'public key and the one-time encryption key matched to the' financial applicant ID extracted in step 380-6 '. Search for ', update the disposable encryption key with' the generated disposable encryption key ', encrypt the' disposable encryption key generated 'with the public key, and use virtual financial transaction transaction identification information and credit information server virtual users Create an ID, and add the 'Finance Request Transaction Identification Information, the Virtual User ID for the Credit Information Server and the Encrypted Disposable Encryption Key', and the predetermined credit information server access address to the communication ID of the financial applicant extracted in step 380-6. The matching is sent to the financial applicant terminal 200.

After steps 382-6 are operated, steps 314 to 334 in FIGS. 4 to 7 are operated, and then steps 384-6 below are operated.

'Credit information, priority setting amount, price information, and price volatility index by region' matched to 'financial transaction transaction identification information generated in step 382-6' in the financial relay DB 110 of the financial relay server 100 in step 384-6 And price volatility index for each item type and price volatility index and priority setting ratio for each item type are extracted, and it is determined whether the extracted information matches the 'financial supply condition information extracted from the supply waiting DB 120 in step 380-6'. .

If the judgment in step 384-6 is positive, steps 386-6 and below are operated.

In step 386-6, the financial relay server 100 calculates a predetermined financial contract closing timestamp, generates predetermined financial contract identification information, and in the supply waiting DB 120, the financial supply waiting extracted in step 380-6. The 'financial provider's name / real name ID / address / communication ID and financial supply condition information and financial supply amount' matching the identification information are extracted and matched with the financial contract identification information in the financial relay DB 110 and stored, and the 'step' The financial application amount extracted from 380-6 and the smaller amount of the financial supply amount are calculated as the financial contract amount, and a predetermined set amount is calculated using the financial contract amount, and the 'financial supply standby identification information and Financial contract identification information ', the financial contract amount, the set amount, the' financial provider ID extracted in step 380-6 ', predetermined financial contract establishment information, and the financial contract conclusion timestamp are stored, and the supply standby DB 120 In Decrease the financial supply amount matched with the financial supply waiting identification information by 'the above financial contract amount,' and the financial supply standby by the financial applicant terminal 200 that matches the communication ID of the financial applicant extracted in step 380-6. It transmits a predetermined financial contract decision information including identification information, a predetermined financial contract decision information, the financial contract identification information, the financial contract amount, the set amount, and information for requesting a return of a predetermined receipt account ID.

According to an additional aspect of the present invention, after step 386-6, when the financial supply amount becomes "0", after step 386-6, the record including the financial supply amount is deleted from the supply waiting DB 120.

In step 396-6, in the financial applicant terminal 200, the financial contract waiting information transmitted from step 386-6 (or steps 386-7 in FIGS. 16 and 17) and the predetermined financial contract decision information and the financial contract When receiving the predetermined financial contract information including identification information, the financial contract amount, the set amount, and information for requesting the return of the predetermined receipt account ID, confirm the received information, the master password input field, and the receipt account ID input field. Print the box.

If the financial applicant does not find any abnormalities in the outputted information, steps 402 and below in FIGS. 18 to 20 are operated.

16 and 17 is a method of conveniently and securely relaying direct finance according to the present invention. As an embodiment, the financial supply reservation information transmitted from the financial provider terminal 300 is first stored in the financial relay server 100, and then the financial applicant A is a flow chart showing an embodiment of not using the notary server 700 during an operation in which a direct financial contract is concluded by transmitting financial application confirmation information using the financial applicant terminal 200.

Steps 336-5 to 344-4 of FIG. 13 are operated.

In step 344-4, if more than one record is extracted, steps 384-4 and below in FIGS. 11 and 12 are operated, and if none are extracted, steps 346-7 and below are operated.

In step 346-7, the financial relay server 100 calculates a predetermined timestamp, generates predetermined financial supply standby identification information, and provides the 'timestamp and financial supply standby identification information' to the supply standby DB 120. Match and store the 'blockchain account identification information / name / real name ID / address / communication ID and financial supply condition information and financial supply amount extracted from step 342-5'.

In step 348-7, the financial applicant terminal 200 accesses the financial relay server 100 by a known method, the financial applicant search term information is input to the financial applicant terminal 200, and the predetermined financial supply search box is displayed. When selected, the communication ID storage unit 240 searches for a predetermined communication ID as the communication ID of the financial applicant, and the secret information DB 210 retrieves the blockchain account identification information matching the predetermined blockchain network identification information from the financial applicant. Search as blockchain account identification information of, and the financial applicant terminal 200 matches the financial account identification information of the financial applicant to the financial supply search condition information and predetermined financial supply search application information to the financial relay server 100 Transfer to.

An additional aspect in step 348-6 is also applicable in step 348-7.

When the financial relay server 100 receives the 'blockchain account identification information of the financial applicant, financial supply search condition information, and predetermined financial supply search request information transmitted from step 348-7' in step 350-7, the supply waits In the database 120, the records satisfying all the above financial supply search conditions are extracted, and the 'financial supply standby identification information, financial supply condition information, and financial supply amount' of each extracted record is used as financial supply waiting information in steps 348-7. Connected to the financial applicant terminal 200 '.

Steps 352-6 and 354-6 in FIGS. 14 and 15 are operated.

In step 356-7, when the predetermined financial application amount, financial application condition information, predetermined credit information provision application information, predetermined financial application commitment information, and master password are input to the financial applicant terminal 200, the secret information DB 310 Search for 'password for encrypted financial relay server and one-time encryption key' matched with financial relay server identification information, and match 'blockchain account identification information and encrypted blockchain account secret of financial applicant' matched to predetermined blockchain network identification information Key ', the real name information storage unit 330 searches for the' name and real name ID and address' of the financial applicant, and the communication ID storage unit 340 searches for a predetermined communication ID as the financial applicant communication ID, The encrypted 'password for the financial relay server and the secret key for the blockchain account' are decrypted with the master password, and the 'password for the decrypted financial relay server' is encrypted with the disposable encryption key. Calculate the disposable personal authentication information for the Jungjung relay server, 'Blockchain account identification information of the financial applicant' and 'Financial supply standby identification information output in step 354-6', the financial application amount, the financial application condition information, and the financial The applicant's' name and real name ID, address, and communication ID ', the first-time transmission target data including the one-time personal authentication information for the financial relay server and predetermined financial application confirmation information are prepared, and as' sender identification information, the Blockchain account identification information of financial applicants and predetermined 1-4 including 'blockchain account identification information of predetermined financial relay server 100 as recipient identification information' and 'the above 1-4 transmission target data' Create the transaction data, calculate the hash value of the 1-4 transaction data, and encrypt the hash value with the 'decrypted blockchain account secret key' to 'financial finance for the 1-4 transaction data' Create an electronic signature of the ruler ', send the 1-4 transaction data matching the electronic signature to the financial relay server 100, and encrypt the decrypted blockchain account secret key with the one-time encryption key to It is stored in the first temporary memory 260, and the first-4 transaction data matching the digital signature is stored in the standby transaction DB 280.

One additional aspect in step 302 of FIGS. 4-7 is also applicable in step 356-7.

In step 380-7, when the financial relay server 100 receives 'the 1-4 transaction data matched in the electronic signature transmitted in step 356-7', the 'first 1 included in the 1-4 transaction data' -4 In 'Transfer Target Data', 'Blockchain Account Identification Information of Financial Applicant, Financial Supply Waiting Identification Information, Financial Application Amount, Financial Application Condition Information, and Financial Applicant's Name / Real Name / Address / Communication ID and Disposable Personal Authentication for Financial Relay Server Extract the information and predetermined financial application confirmation information, and search for the 'password hash value and the one-time encryption key' matching 'the financial applicant's blockchain account identification information' in the identity authentication DB (130). -4 Verification of the disposable personal authentication information included in the data to be transmitted, calculate the hash value of the 1-4 transaction data, and verify the 'blockchain account identification information of the financial applicant' in the personal authentication DB 130. Search the matched public key, and use the public key Decrypting the digital signature, determining whether the decoded value matches the hash value, extracting 'financial supply condition information and financial supply amount' matching the financial supply waiting information from the supply waiting DB 120, Determine whether the 'financial supply condition information extracted from the supply waiting DB 120' is consistent with the 'financial application condition information extracted from the 1-4 transmission target data', and 'financial supply amount extracted from the supply waiting DB 120' It is judged whether or not this is more than the 'financial application amount extracted from the above 1-4 transmission target data'.

An additional aspect in step 310 is also applicable in steps 380-7.

If both verification and judgment in step 380-7 are positive, steps 382-6 to 384-6 in FIGS. 14 and 15 are operated.

If the judgment at step 384-6 is positive, steps 386-7 and below are operated.

In step 386-7, the financial relay server 100 calculates a predetermined financial contract closing timestamp, generates predetermined financial contract identification information, and in the supply waiting DB 120, the financial supply waiting extracted in step 380-7. 'Blockchain account identification information / name / real name ID / address / communication ID and financial supply condition information and financial supply amount' that match the 'identification information' and match the financial contract identification information to the financial relay DB 110 To save, calculate the small amount of the 'financial application amount extracted in step 380-7' and the financial supply amount as the financial contract amount, calculate the predetermined set amount using the financial contract amount, and apply the 'to the financial relay DB 110. Matching the financial supply waiting identification information and financial contract identification information, the financial contract amount, the set amount, the 'blockchain account identification information of the financial provider', the predetermined financial contract establishment information, and the financial contract conclusion timestamp. The financial supply amount matching the financial supply waiting identification information in the supply waiting DB 120 is reduced by 'the financial contract amount', and the financial supply is provided to the financial applicant terminal 200 matching the financial applicant communication ID. A predetermined financial contract decision information is transmitted, including 'atmospheric identification information, a predetermined financial contract identification information, the financial contract identification information, the financial contract amount, the set amount, and information requesting a return of a predetermined account ID'.

An additional aspect in step 386-6 is also applicable in step 386-7.

After steps 396-6 in FIGS. 14 and 15 are operated, if the financial applicant does not find any abnormality in the 'information output in steps 396-6', steps 402-1 or less in FIGS. 21 to 23 are It works.

18 to 20 are methods for conveniently and safely relaying direct financing according to the present invention, as an embodiment of the embodiments of FIGS. 4 to 7 and the embodiments of FIGS. 11 and 12 and 14 and 15 is a flowchart showing an embodiment using a notary server 700 during an operation in which a direct financial contract concluded according to one of the embodiments' is performed.

In step 402, when the 'financial applicant's master password' is entered in the financial applicant terminal 200 and the check box is selected, the secret information DB 210 searches for an account ID matching the predetermined bank identification information, and a predetermined certificate. Search for 'certificate identification information and password for encrypted certificate' matching the issuing server identification information, search for 'encrypted certificate secret key' in the certificate storage unit 220, and financial applicant in the communication ID storage unit 240 Retrieve the communication ID, decrypt the master password with the decryption key, decrypt the 'encrypted certificate password', decrypt the decrypted certificate password with the decryption key, decrypt the 'encrypted certificate secret key', and 'Fig. The method of matching the financial contract identification information extracted in step 396 in step 7 (or received in steps 396-6 in FIGS. 14 and 15) includes 'the account ID as the loan deposit account ID'. Creates a predetermined fourth transmission target data, and includes the 'financial applicant ID as the sender communication ID' and the 'communication ID of the financial relay server 100 as the recipient communication ID' and the fourth transmission target data Create a fourth notary transfer file of, calculate the hash value of the fourth notary transfer file, and encrypt the hash value with the 'decrypted certificate secret key' to 'financial applicant for the fourth notary transfer file Of the digital signature ', and transmits the fourth notary transmission file matching the certificate identification information and the electronic signature to the notary server 100.

One embodiment of a method of matching the 'financial contract identification information extracted in step 396 in FIGS. 4 to 7 (or received in steps 396-6 in FIGS. 14 and 15) is the fourth transmission target data Is a method of including the financial contract identification information.

In step 404, when the notarization server 700 receives the '4th notarization transmission file in which the certificate identification information and the electronic signature matched in step 402 are matched', a predetermined timestamp is calculated, and the certificate identification is performed by a known method. The public key matching the information is searched, the hash value of the fourth notary transmission file is calculated, the digital signature is decrypted with the public key, and it is determined whether the decrypted value matches the hash value.

One additional aspect in step 306 is also applicable in step 404.

If the judgment at step 404 is positive, step 406 is operated,

In step 406, the notary server 700 matches the 'timestamp calculated in step 404' to the notary DB 710 to store the 'fourth notarization transmission file received in step 404', and 'the fourth notary transmission file. A predetermined fourth notarized completion transmission file including a sender communication ID, a recipient communication ID and a fourth transmission target data included in the file, and the fourth notary completion transmission file is matched to the recipient communication ID It transmits to the server 100.

In step 408, when the financial relay server 100 receives the 'fourth notarization completed transmission file' transmitted in step 406, a predetermined loan deposit account in 'the fourth transmission target data included in the fourth notary completion transmission file' The ID is extracted, the financial relay DB 110 matches the 'financial contract identification information matching the fourth transmission target data' and stores the loan deposit account ID, and the 'financial contract amount matching the financial contract identification information And set amount, collateral building identification information, financial applicant communication ID and financial provider's name / real name ID / address / communication ID ', and escrow account IDs whose financial application transaction identification information does not match in escrow DB 160 Select one of the predetermined criteria, the selected escrow account ID and 'the financial contract identification information as the cause transaction identification information' and 'the financial contract amount as the escrow amount' and 'the set amount as the set billing amount' And 'the collateral building identification information as the set target building identification information' and 'the financial applicant communication ID as the setting manager communication ID' and the 'name / real name ID / address / communication ID of the financial provider as the setting right identification information', and A predetermined first escrow application file including the 'loan deposit account ID as an escrow payment account ID' is prepared, and a certain financial contract decision information and a predetermined financial contract amount escrow request information including the first escrow application file Is transmitted to the financial provider terminal 300 that matches the 'communication ID as the setting authority identification information'.

According to an additional aspect of the present invention, step 408 selects the most advanced escrow account ID when applying ascending alphanumeric criteria among escrow account IDs in which the financial application transaction identification information is not matched in the escrow DB 160. step; The financial provider terminal 300 accessing the financial relay server 100 and transmitting the financial provider ID and predetermined personal authentication information; The financial relay server 100 verifying the user authentication information by a known method; And when the verification is positive, transmitting the financial contract escrow request information to the financial provider terminal (300). It includes.

In step 412, if the financial provider terminal 300 receives 'financial contract amount escrow request information including the financial contract decision information and the first escrow application file transmitted in step 408', the received information and the master password input field and remittance The box is output.

In step 414, when the 'financial provider's master password' is entered into the financial provider terminal 300 and the remittance box is selected, the 'account ID and encrypted password' matched to the predetermined bank identification information in the secret information DB 310 is provided. Search, search for 'Certificate Identification Information and Password for Encrypted Certificate' matching the specified certificate issuing server identification information, search the 'Encrypted Certificate Secret Key' in the certificate storage unit 320, and communicate ID storage unit. At 240, a predetermined communication ID is retrieved as a financial provider communication ID, the master password is decrypted with the decryption key, and the encrypted 'password for password and certificate' are decrypted, respectively, and the decrypted certificate password is decrypted with the decryption key. Decrypted the certificate secret key, calculate the hash value of the 'first escrow application file received in step 412', encrypt the hash value with the certificate secret key, 1 Create an electronic signature of the financial provider for the escrow application file, create the prescribed identification data, and the prescribed fifth transmission target data including the electronic signature and the first escrow application file, as the 'sender's communication ID. The financial provider communication ID 'and the' communication ID of the escrow server 800 as the recipient communication ID 'and a predetermined fifth notary transmission file including the fifth transmission target data are created, and the hash of the fifth notary transmission file Calculating the value, encrypting the hash value with the certificate secret key to generate a 'electronic signature of the financial provider for the fifth notary transmission file', and the fifth notary matching the certificate identification information and the electronic signature The transfer file is transmitted to the notary server 700, and the 'financial contract amount included in the first escrow application file received in step 412 as the withdrawal amount' and 'the retrieved account ID as the withdrawal account ID' and ' As a gold account ID, a predetermined remittance application message including an escrow account ID and 'the decrypted password' included in the first escrow application file received in step 412 is prepared, and the hash value of the remittance application message is generated. Calculate, encrypt the hash value with the 'decrypted certificate secret key' to generate 'the electronic signature of the financial provider for the transfer request', and apply the transfer to match the certificate identification information and the electronic signature The full text is transmitted to the 'bank server 900 matching the withdrawal account ID'.

In step 416, when the notary server 700 receives 'a fifth notarized transmission file matching the certificate identification information and the electronic signature transmitted in step 414', a predetermined timestamp is calculated, and the certificate identification is performed by a known method. The public key matching the information is searched, the hash value of the fifth notary transmission file is calculated, the digital signature is decrypted with the public key, and it is determined whether the decrypted value matches the hash value.

One additional aspect in step 306 is also applicable in step 416.

If the judgment at step 416 is positive, step 418 is activated,

In step 418, the notary server 700 matches the 'timestamp calculated in step 416' to the notary DB 710, and stores the '5th notary transmission file received in step 416', and the '5th notarization transmission file. An escrow server that includes a sender communication ID and a recipient communication ID and a fifth transmission target data included in the process, creates a predetermined fifth notarization completed transmission file, and matches the fifth notarization completion transmission file to the recipient communication ID. (800).

In step 420, when the bank server 900 receives the 'remittance application message matching the certificate identification information and the electronic signature transmitted in step 414 (or steps 414-1 in FIGS. 21 to 23)', a method of notification Retrieves the public key matching the certificate identification information, calculates the hash value of the remittance request message, decrypts the electronic signature with the public key, determines whether the decrypted value and the hash value match, and Extract the 'withdrawal amount and withdrawal account ID and deposit account ID and password' from the transfer application, retrieve the 'hash value of the password' and balance matching the withdrawal account ID in the account DB 910, and hash the password Calculate a value, determine whether the calculated hash value and the searched 'password hash value' match, and determine whether the balance is greater than or equal to the withdrawal amount.

An additional aspect in step 306 is also applicable in step 420.

If both of the judgments in step 420 are positive, step 422 is operated.

In step 422, in the account DB 910 of the bank server 900, the 'balance found in step 420' is reduced by 'withdrawal amount extracted in step 420', and the balance matched with 'the deposit account ID extracted in step 420' is the withdrawal amount. Increase the amount, search for the escrow server identification information that matches the 'account stock information matching the deposit account ID,' and select the 'account deposit ID' as the 'escrow server 800 matching the escrow server identification information.' And 'withdrawal amount as deposit amount'.

According to another aspect of the present invention in which the deposit account ID does not correspond to the account opened in the bank operating the bank server 900, step 422 increases the balance matched to the deposit account ID by the withdrawal amount. , Replace the operation of transmitting the deposit information to the escrow server 800 to 'a predetermined bank server (not shown) matching the deposit account ID' as the 'withdrawal amount of the balance matching the deposit account ID' Sending the message that requests to increase, and 'Bank server (not shown) that received the message increases the balance matching the deposit account ID in the account DB (not shown) by the withdrawal amount, and Retrieves the escrow server identification information as account stock information matching the deposit account ID from the account DB (not shown), and transfers the deposit account ID to the escrow server 800 that matches the escrow identification information. It includes the operation "to transfer a predetermined payment information including a group deposit.

In step 424, the escrow server 800 receives' a predetermined fifth notarization completed transmission file including the sender communication ID, the receiver communication ID, and the fifth transmission target data, transmitted in step 418 ', and is transmitted in' step 422. When receiving the received deposit information including the deposit account ID and the deposit amount, a predetermined time stamp is calculated, and the 'sender's communication ID and the fifth transmission target data' are extracted from the fifth notarized completion transfer file. Extract the 'certification identification information and electronic signature and the first escrow application file' from the fifth transmission target data, extract the hash value of the first escrow application file, and disclose the matched to the certificate identification information by a known method Search for a key, decrypt the digital signature with the public key, and determine if the decrypted value matches the hash value.

An additional aspect in step 306 is also applicable in step 424.

If the judgment at step 424 is positive, step 426 is activated,

In step 426, the escrow server 800 matches the 'timestamp calculated in step 424' to the escrow DB 810 as 'escrow account ID and cause transaction identification information included in the first escrow application file extracted in step 424'. Financial contractor's communication ID as financial contract amount information and escrow amount, as well as financial claim amount as set-up claim and set object identification information and financial applicant's communication ID as set-up manager communication ID and financial provider's name / real name ID / address / Stores the communication ID and the escrow payment account ID, and determines whether the escrow account ID matches the deposit account ID included in the deposit information received in step 424, and the escrow amount is included in the deposit information. Determine whether the deposit amount 'is the same.

If all of the judgments in step 426 are positive, step 428 is operated.

In step 428, in the escrow server 800, 'the cause transaction identification information, the escrow amount, the set billing amount, the set object identification information, and the name / real name ID / address of the setting authority included in the first escrow application file extracted in step 424 A predetermined escrow completion notice including the communication ID and the escrow payment account ID 'and the predetermined set billing information is sent to the financial applicant terminal 200 that matches the' setter's communication ID included in the first escrow application file '. send.

According to an additional aspect of the present invention, step 428, the financial applicant terminal 200 accesses the escrow server 800, 'cause transaction identification information and one of the escrow payment account ID and the set object identification information. Matching the above, transmitting the 'predetermined escrow DB 810 search request information' and 'information requesting download of search results'; It may include.

In step 430, at the financial applicant terminal 200, the 'transaction identification information, escrow deposit amount, set billing amount, set target object identification information, and the name / real name ID / address / communication ID and escrow payment of the transferee When receiving a predetermined escrow completion notice including an account ID and predetermined setting billing information, the cause transaction identification information is extracted from step 396 in FIGS. 4 to 7 (or step 396 in FIGS. 14 and 15). -6), and determine whether the amount of the escrow deposit is' extracted in step 396 in FIGS. 4 to 7 (or received in steps 396-6 in FIGS. 14 and 15). Financial contract amount 'or more.

If all of the judgments in step 430 are positive, step 432 is operated.

In the financial applicant terminal 200 in step 432, 'extracted in step 396 in FIGS. 4 to 7 (or received in steps 396-6 in FIGS. 14 and 15), financial contract identification information and financial contract amount' and ' The predetermined transaction information including the cause transaction identification information, the escrow deposit amount, the set billing amount, the set object identification information, and the set owner's name / real name ID / address / communication ID received at step 430, and the master password input field and collateral Print the configuration request box.

If the financial applicant wants to comply with the set billing information output in step 432, step 434 is operated.

In step 434, when the 'financial applicant's master password' is entered in the financial applicant terminal 200 and the security setting application box is selected, the secret information DB 210 matches the 'certificate identification information' matching the predetermined certificate issuing server identification information. Encrypted certificate password ', search the encrypted certificate secret key in the certificate storage unit 220, decrypt the' encrypted certificate password 'with the master password, and decrypt the certificate password Decrypt the 'encrypted certificate secret key', search the communication ID storage unit 240 for a predetermined communication ID as the financial applicant's communication ID, and the real name information storage unit 230's' name and real name ID and address of the financial applicant. Search for ',' name and real name ID and address and communication ID 'of the financial applicant as' identity information of the applicant and the owner ', and' set billing amount and set object identification information output in step 432 Create a predetermined registered electronic application including the name / real name ID / address / communication ID of the setting right holder, calculate the hash value of the registered electronic application, encrypt the hash value with the certificate secret key, and select the 'registered electronic The electronic signature of the applicant for the application is generated, and the registered electronic application matching the certificate identification information and the electronic signature is transmitted to the right registration server 400.

In step 438, in the financial applicant terminal 200, 'the financial contract identification information, the financial contract amount, the escrow deposit amount, the set billing amount, the set object identification information and the name / real name ID / address / communication ID output in step 432' And a predetermined escrow deposit electronic application including predetermined escrow deposit application information, calculate the hash value of the escrow deposit electronic application, and encrypt the hash value with the 'certificate secret key decrypted in step 434'. The electronic signature of the financial applicant for the electronic application for escrow deposit is generated, and the electronic application for escrow deposit matching the 'certificate identification information retrieved in step 434' and the electronic signature is transmitted to the escrow server 800.

If the right registration server 400 receives the 'registered electronic application matching the certificate identification information and the electronic signature transmitted in step 434' in step 440, the 'name and real name ID matched to the certificate identification information in a known manner. And the certificate public key ', and determines whether the' name and real name ID 'respectively match' the applicant's name and real name ID included in the registered electronic application ', calculate the hash value of the registered electronic application, and , Decrypt the digital signature with the certificate public key, determine whether the decrypted value and the hash value match, and match the 'object set identification information included in the registered electronic application' in the right certificate DB 410 The owner's 'name and real name ID' is searched, and it is determined whether the searched owner's 'name and real name ID' is matched with the 'name and real name ID' searched by matching the certificate identification information.

According to an aspect of the present invention, step 440, the right registration server 400 transmitting the certificate identification information to a certificate issuing server (not shown); And when the certificate identification information is received from the certificate issuing server (not shown), search the 'name and real name ID and certificate public key' matching the certificate identification information in the certificate issuing DB (not shown) to find the right registration server ( 400); It includes.

If both of the judgments in step 440 are positive, step 444 is operated.

In step 444, in the right registration server 400, in the set transaction DB 420, in the set object identification information included in the registered electronic application received in step 440 (step 440-2 in FIGS. 24 to 26). By matching, the 'set billing amount included in the registered electronic application form' and 'name / real name ID / address / communication ID of the set right holder included in the registered electronic application form' as collateral property identification information are stored, and the set target object The predetermined information on the set-up of the collateral including the identification information and the 'set amount corresponding to the set-up bill' and the identification information of the secured property holder is added to the communication ID of the financial applicant and the communication ID of the set-up holder included in the electronic registration application. It is transmitted to the matching 'financial applicant terminal 200 and the financial provider terminal 300' and the escrow server 800, respectively.

According to an additional aspect of the present invention, in step 444, the financial applicant terminal 200, the financial provider terminal 300, and the escrow server 800 access the right registration server 400, respectively, and match the collateral building identification information. Transmitting the 'information requesting to search for the restricted property setting information' and the 'information requesting the download of the search result' to the right registration server 400 by using the method; And a step in which the right registration server 400 retrieves the restricted property setting information matched with the collateral property identification information in the setting transaction DB 420; And transmitting the retrieved restricted item information to the connected devices, respectively. It includes.

In step 446, the escrow server 800 receives the 'e-scrow deposit electronic application form matching the predetermined certificate identification information and the predetermined electronic signature transmitted in step 438', and the 'sent object identification information transmitted in step 444. Upon receiving the predetermined collateral setting completion information including the set amount and the collateral right identification information, the public key matching the certificate identification information is searched, and a hash value of the escrow deposit electronic application is calculated, The digital signature is decrypted with the certificate public key, and it is determined whether the decrypted value and the hash value match.

One additional aspect in step 306 is also applicable in step 446.

If the judgment at step 446 is positive, step 448 is operated.

In step 448, in the escrow DB 810 of the escrow server 800, a record matching the 'Escrow deposit electronic application received in step 446 (or extracted in step 446-1 in FIGS. 21 to 23)' is extracted, In the above record, 'Escrow account ID, cause transaction identification information, escrow amount, set billing amount, set object identification information, and set right holder identification information: financial provider's name / real name ID / address / communication ID and escrow payment account ID' Extracted, the extracted 'set object identification information, set billing amount, and financial provider's name / real name ID / address' are all included in the collateral setting completion information received in step 446, set object identification information and set amount And collateral rights identification information.

If the judgment at step 448 is positive, step 450 is operated.

In step 450, the escrow server 800 performs an operation required to transfer the 'escrow amount extracted in step 448' from 'the escrow account ID extracted in step 448' to the 'escrow payment account ID extracted in step 448'.

21 to 23 is an embodiment of a method for conveniently and safely relaying direct finance according to the present invention, 'the embodiments of FIGS. 8 to 10' and 'the embodiments of FIG. 13' and '16 and 17 ' Among the examples in which the notary server 700 is not used during the operation of the direct financial contract concluded according to one of the embodiments', the rights registration server 400 and the bank server 900 do not participate in the blockchain network. It is a flow chart showing an example.

In step 402-1, if the 'financial applicant's master password' is entered in the financial applicant terminal 200 and the check box is selected, the password for the encrypted financial relay server matched with the financial relay server identification information in the secret information DB 310. And 'Disposable Encryption Key', search for 'Blockchain Account Identification Information and Encrypted Blockchain Account Secret Key', which matches the predetermined blockchain network identification information, and account that matches the predetermined bank identification information. Search for an ID, retrieve a predetermined communication ID from the communication ID storage unit 340 as the financial applicant communication ID, decrypt the encrypted 'password for financial relay server and block chain account secret key' with the master password, and Encrypt the 'password for the decrypted financial relay server' with a one-time encryption key to calculate the disposable personal authentication information for the financial relay server, and add it at step 396-2 in FIGS. 8 to 10. A predetermined fourth transfer target data including 'the account ID as the loan deposit account ID' is prepared in a way that matches the financial contract identification information (or received in steps 396-6 in FIGS. 16 and 17). And 'Blockchain account identification information of the financial applicant as the sender identification information' and 'Blockchain account identification information of the predetermined financial relay server 100 as the recipient identification information' and 'the fourth transmission target data' Create the predetermined fourth transaction data, calculate the hash value of the fourth transaction data, and encrypt the hash value with the 'decrypted blockchain account secret key' to 'financial for the fourth transaction data The applicant's electronic signature 'is generated, and the fourth transaction data matching the electronic signature is transmitted to the financial relay server 100, and the fourth transaction data matching the electronic signature in the standby transaction DB 280 is generated. To save.

One embodiment in step 402 is also applicable in step 402-1.

In step 408-1, when the financial relay server 100 receives the 'fourth transaction data matched in the electronic signature transmitted in step 402-1', the 'sender included in the fourth transaction data is known in the known manner. Search for a public key matching 'blockchain account identification information as identification information', calculate a hash value of the fourth transaction data, decrypt the digital signature with the public key, and the decrypted value matches the hash value Judge if it works.

One additional aspect in step 318-2 is also applicable in step 408-1.

If the judgment at step 408-1 is positive, step 410-1 is operated.

In step 410-1, the financial relay server 100 stores the fourth transaction data matched with the electronic signature received in step 408-1 in the standby transaction DB 180, and is included in the fourth transaction data. The loan transfer account ID is extracted from the fourth transfer target data, and the loan agreement account ID is stored in the financial relay DB 110 by matching the 'financial contract identification information matching the fourth transfer target data', Extract the 'financial contract amount and set amount, collateral building identification information, financial applicant's blockchain account identification information, financial applicant communication ID, and financial provider's name / real name ID / address / communication ID' matched to the financial contract identification information, The escrow DB 160 selects one of the escrow account IDs for which the financial application transaction identification information does not match as a predetermined criterion, and the 'blockchain account identification information of the financial applicant as escrow beneficiary identification information' and the selected SCRO account ID and 'the above financial contract identification information as cause transaction identification information', 'the above financial contract amount as escrow amount', 'the above set amount as set billing amount' and 'the secured building identification information as set target object identification information' and ' The financial applicant's communication ID as a set obligatory communication ID, and 'the name / real name ID / address / communication ID of the financial provider, as the setting right holder identification information' and 'the loan deposit account ID' as an escrow payment account ID Create a predetermined second escrow application file, and match the predetermined financial contract amount escrow request information including the predetermined financial contract decision information and the second escrow application file to the 'financial provider's communication ID as the setting right identification information' Is transmitted to the financial provider terminal 300.

One additional aspect in step 408 is also applicable in step 410-1.

In step 412-1, when the financial provider terminal 300 receives the 'financial contract amount escrow request information including the financial contract decision information and the second escrow application file transmitted in step 410-1', the received information and the master The password input field and the remittance box are displayed.

In step 414-1, when the 'financial provider's master password' is input to the financial provider terminal 300 and the remittance box is selected, the 'account ID and the encrypted password matched with the predetermined bank identification information in the secret information DB 310' Search for ',' Certificate Identification Information and Password for Encrypted Certificate 'matched to the predetermined certificate issuing server identification information, and' Blockchain Account Identification Information of the financial provider matched to the predetermined blockchain network identification information. Search for an encrypted blockchain account secret key, search for 'encrypted certificate secret key' in the certificate storage unit 320, and search for a predetermined communication ID as the financial provider communication ID in the communication ID storage unit 240. , Decrypt the master password with the decryption key and decrypt the encrypted 'password and certificate password and blockchain account secret key', and decrypt the certificate with the decryption key. The certificate secret key 'is decrypted, and the' blockchain account identification information of the financial provider as sender identification information 'and' blockchain account identification information of the escrow server 800 as recipient identification information 'and' step 412-1 'are received. Create a predetermined fifth transaction data including the second escrow application file, calculate the hash value of the fifth transaction data, and encrypt the hash value with the 'decrypted blockchain account secret key' Generates the electronic signature of the financial provider for the fifth transaction data, transmits the fifth transaction data matching the electronic signature to the escrow server 800, and sends the electronic signature to the standby transaction DB 380. Store the matched fifth transaction data, extract the escrow account ID and financial contract amount from the 'second escrow application file received in step 412-1', and 'the financial contract amount as the withdrawal amount' and ' Create a predetermined remittance request message including the retrieved account ID as a gold account ID, the escrow account ID as a deposit account ID and the decrypted password, and calculate the hash value of the remittance request message, Encrypt the hash value with the 'decrypted certificate secret key' to generate 'the electronic signature of the financial provider for the remittance request message', and to send the remittance request message that matches the certificate identification information and the electronic signature. Bank server 900 matching the withdrawal account ID '.

Steps 420 to 422 in FIGS. 18 to 20 are operated.

In step 424-1, the escrow server 800 receives 'the fifth transaction data matched with the digital signature transmitted in step 414-1', and includes a deposit account ID and a deposit amount transmitted in step 422. When receiving the deposit information of, calculate a predetermined timestamp, search for a public key matched to 'blockchain account identification information included in the fifth transaction data as sender identification information' by a known method, and The hash value of the fifth transaction data is calculated, the digital signature is decrypted with the public key, and it is determined whether the decrypted value matches the hash value.

An additional aspect in step 318-2 is also applicable in step 424-1.

If the judgment in step 424-1 is positive, step 426-1 is operated,

In step 426-1, the escrow server 800 stores the 'fifth transaction data received in step 424-1, the matching digital signature' in the standby transaction DB 880, and the 'receipt received in step 424-1. 5 In the second escrow application file included in the transaction data, the financial contract identification information as the cause transaction identification information, the financial contract amount as the escrow amount, the escrow payment account ID, and the escrow beneficiary identification information as the financial applicant's blockchain account identification information and Escrow account ID, set billing amount, set subject identification information and set applicant's communication ID and set provider's name / real name ID / address / communication ID 'as financial identification information, and escrow DB 810 To 'Time stamp calculated in step 424-1', the financial contract identification information as the cause transaction identification information and the financial contract amount and the escrow payment as the escrow amount. Name and real name ID / address of financial provider as left ID and escrow beneficiary identification information of the financial applicant's blockchain account identification information, escrow account ID, set billing amount, set object identification information, set manager communication ID and set right holder identification information Communication ID ', and determines whether the escrow account ID matches the' deposit account ID included in the deposit information received in step 424-1 ', and the escrow amount matches the' deposit amount included in the deposit information ' To determine if.

If all of the judgments in step 426-1 are positive, step 428-1 is operated.

In step 428-1, in the escrow server 800, 'financial contract identification information extracted from step 426-1 as cause transaction identification information' and 'deposit amount included in deposit information received in step 424-1 as escrow deposit amount' And 'Blockchain account identification information of the financial applicant as the identification information of the escrow payment account ID and the escrow beneficiary and the set-up manager extracted in step 426-1, and the set-up billing amount and the set target object Prepare a certain escrow completion notice including identification information and the name / real name ID / address / communication ID of the owner of the setting and predetermined setting billing information, and 'blockchain account identification information' of the escrow server 800 by a known method. And the blockchain account secret key, and the escrow extracted in step 426-1 as 'blockchain account identification information of the escrow server 800' as the sender identification information and 'blocker account identification information' as the recipient identification information. Blockchain account identification information of the financial applicant as the interest-bearing identification information and predetermined seventh transaction data including the escrow completion notice are prepared, a hash value of the seventh transaction data is calculated, and the hash value is the blockchain A financial applicant matching the account holder's communication ID with the account secret key and generating the 'digital signature of the escrow server 800 for the 7th transaction data', and the 7th transaction data matching the digital signature ' Terminal 200 ', and stores the seventh transaction data matched with the electronic signature in the standby transaction DB 880.

An additional aspect in step 428 is also applicable in step 428-1.

In step 430-1, when the financial applicant terminal 200 receives 'the seventh transaction data matched with the electronic signature transmitted in step 428-1,' the escrow server 800 as 'sender identification information' in the seventh transaction data ), And extract the public key matching the blockchain account identification information in a predetermined way, calculate the hash value of the seventh transaction data, and use the public key Decrypt the digital signature, determine if the decrypted value matches the hash value, and set the financial contract identification information as the cause transaction identification information, the escrow deposit amount, the escrow deposit account ID and the escrow beneficiary ID and escrow beneficiary in the escrow completion notice. Blockchain account identification information of the financial applicant as identification information of the obligator and the financial applicant's communication ID as the setting obligatory communication ID and the set charge The subject identification information and the name / real name ID / address / communication ID of the right holder and the predetermined set billing information are extracted, and the cause transaction identification information is extracted in step 396-2 in FIGS. 8 to 10 ( Or it is determined whether it matches the financial contract identification information (received in step 396-6 in FIGS. 16 and 17), and the escrow deposit amount is extracted in step 396-2 in FIGS. 8 to 10 (or in FIGS. 16 and 16). It is determined whether it is equal to or greater than 'the amount of the financial contract received in step 396-6 in FIG. 17'.

An additional aspect in step 318-2 is also applicable in step 430-1.

If all of the judgments in step 430-1 are positive, step 432-1 is operated.

In step 432-1, the financial applicant terminal 200 stores the 'seventh transaction data matched with the electronic signature received in step 430-1' in the standby transaction DB 280, and the steps in FIGS. 8 to 10. Extracted from 396-2 (or received in steps 396-6 in FIGS. 16 and 17), predetermined financial contract decision information, financial contract identification information, financial contract amount and set amount, and receipt account ID reply request information and steps The cause transaction identification information, the escrow deposit amount, the escrow payment account ID, the set billing amount, and the set object identification information, and the name / real name ID / address / communication ID and predetermined set billing information of the setting authority, extracted from 430-1 'and master The password input field and the collateral setting application box are displayed.

If the financial applicant wants to respond to the set billing information output in step 432-1, step 434 in FIGS. 18 to 20 is operated.

In step 438-1, the financial applicant terminal 200 searches the 'blockchain account identification information of the financial applicant and the encrypted blockchain account secret key' that matches the predetermined blockchain network identification information in the secret information DB 210, and , Decrypt the 'encrypted blockchain account secret key' with the 'master password entered in step 434', and output the financial contract identification information, the financial contract amount, the escrow deposit amount, the set billing amount, and the set target, output in step 432-1 Fill out the electronic escrow deposit application form, which includes the item identification information and the name / real name ID / address / communication ID of the holder and the predetermined escrow deposit application information, and identify the financial applicant's blockchain account as 'sender identification information' Information 'and' Blockchain account identification information of the predetermined escrow server 800 as the recipient identification information 'and the 10th transaction data including the escrow deposit electronic application are prepared, and Calculate the hash value of the 10th transaction data, encrypt the hash value with the encryption key of the 'decrypted blockchain account secret key', generate the 'electronic signature of the financial applicant for the 10th transaction data,' and The '10th transaction data matching the electronic signature' is transmitted to the escrow server 800, and the 10th transaction data matching the electronic signature is stored in the standby transaction DB 280.

Steps 440 to 444 of FIGS. 18 to 20 are operated.

In step 446-1, the escrow server 800 receives the '10th transaction data matched with the digital signature transmitted in step 438-1 (or steps 434-2 in FIGS. 24 to 26)' and the step '444 When receiving the predetermined target collateral information including the identification information of the set target object and the set amount and the identification information of the collateral holder, the 'blockchain account identification information of the financial applicant as the sender identification information in the tenth transaction data is received. 'And Escrow deposit electronic application, retrieve public key matching the blockchain account identification information by a known method, calculate the hash value of the tenth transaction data, decrypt the electronic signature with the public key , It is determined whether the decrypted value and the hash value match.

An additional aspect in step 318-2 is also applicable in step 446-1.

If the judgment at step 446-1 is positive, steps 448 to 450 of FIGS. 18 to 20 are operated.

24 to 26 are exemplary embodiments of a method for conveniently and safely relaying direct finance according to the present invention, 'the embodiments of FIGS. 8 to 10' and 'the embodiments of FIG. 13' and '16 and 17 ' An example in which the right registration server 400 and the bank server 900 also participate in the blockchain network among the examples in which the notary server 700 is not used during the operation of the direct financial contract concluded according to one of the embodiments' It is a flow chart showing.

Steps 402-1 to 412-1 of FIGS. 21 to 23 are operated.

In step 414-2, if the 'financial provider's master password' is input to the financial provider terminal 300 and the remittance box is selected, the 'account ID and the encrypted password matched with the predetermined bank identification information in the secret information DB 310' ', Search for' Blockchain account identification information of the financial provider and encrypted blockchain account secret key 'matched to the predetermined blockchain network identification information, and retrieve the predetermined communication ID from the communication ID storage unit 240. Search as a financial provider communication ID, decrypt the encrypted 'password and blockchain account secret key' with the decryption key of the master password, and 'blockchain account identification information of the financial provider as sender identification information' and 'recipient identification' As the information, a predetermined fifth transaction data including the block chain account identification information of the escrow server 800 and the 'second escrow application file received in step 412-1' is prepared, and the fifth Calculate the hash value of the transaction data, encrypt the hash value with 'the decrypted blockchain account secret key', generate 'the electronic signature of the financial provider for the fifth transaction data', and match the electronic signature The fifth transaction data is transferred to the escrow server 800, and the fifth transaction data matching the digital signature is stored in the standby transaction DB 380, and the second received in step 412-1. The escrow account ID and the financial contract amount are extracted from the 'Escrow Application File', and the 'financial account amount as a withdrawal account ID' and 'the retrieved account ID as a withdrawal account ID' and 'the escrow account ID as a deposit account ID' and 'the decrypted password' Prepare a certain remittance application message including ',' and 'Blockchain account identification information of the financial provider as sender identification information' and 'matching the withdrawal account ID as recipient identification information' Creates the sixth transaction data including the block chain account identification information of the bank server 900 and the transfer request message, calculates the hash value of the sixth transaction data, and stores the 'decrypted blockchain account secret key'. Encrypt the hash value with 'to generate the' electronic signature of the financial provider for the sixth transaction data ', and transmit the sixth transaction data matching the electronic signature to the bank server 900.

In step 420-2, when the bank server 900 receives the 'sixth transaction data matching the electronic signature transmitted in step 414-2', the 'sixth transaction data block in the financial transaction field as' sender identification information' Chain account identification information 'and remittance request message are extracted, public key matching the block chain account identification information is searched by a known method, a hash value of the sixth transaction data is calculated, and the electronic signature is used as the public key. Decrypting, determining whether the decrypted value and the hash value match, extracting the 'withdrawal amount and withdrawal account ID and deposit account ID and password' from the transfer request message, and the withdrawal account ID from the account DB 910 Search for the 'hash value of the password' and the balance matched to, calculate the hash value of the password, determine whether the calculated hash value and the retrieved 'hash value of the password' match, and the It is determined whether the balance is equal to or greater than the above withdrawal amount.

An additional aspect in step 318-2 is also applicable in step 430-1.

If all of the judgments in step 420-2 are positive, steps 422 to 432-1 of FIGS. 21 to 23 are operated.

In step 434-2, when the 'financial applicant's master password' is entered in the financial applicant terminal 200 and the security setting application box is selected, the 'financial applicant' matched the predetermined blockchain network identification information in the secret information DB 210. Search for 'blockchain account identification information and encrypted blockchain account secret key', search for 'account ID, encrypted password, and one-time encryption key' matching the predetermined bank identification information, and use the master password for the 'encryption Decrypted Blockchain Account Secret Key and Encrypted Password ', retrieves the predetermined communication ID as the communication applicant's communication ID from the communication ID storage unit 240, and the' name and Search for 'real name ID and address', and the searched 'name and real name ID and address and communication ID' as 'identifier of the applicant and owner' and 'name / real name ID / address of the setting authority, output in step 432-1' / Communication ID and setting Prepare a prescribed registered electronic application including the target object identification information and the set billing amount, and block chain the 'blockchain account identification information of the financial applicant as sender identification information' and 'rights registration server 400 as the recipient identification information' Create account identification information 'and the 8th transaction data including the registered electronic application, calculate the hash value of the 8th transaction data, and encrypt the hash value with the' decrypted blockchain account secret key ' The electronic signature of the applicant for the eighth transaction data is generated, the eighth transaction data matching the electronic signature is transmitted to the rights registration server 400, and the electronic signature is stored in the standby transaction DB 280. Stores the matched eighth transaction data, encrypts the 'decrypted password' with the disposable encryption key, calculates disposable personal authentication information, and identifies the applicant. The block chain account identification information of the financial applicant as the block chain account identification information subject to real name and 'blockchain account identification information of the right registration server as the subject identification information to be provided with real name information' and prescribed real name information provision application information and the disposable Fill out the electronic application for providing real-name information including personal identification information, 'Blockchain account identification information of the financial applicant as sender identification information' and 'Blockchain account identification information of the bank server 900 as recipient identification information' And creating the ninth transaction data including the electronic application for providing real name information, calculating the hash value of the ninth transaction data, and encrypting the hash value with the 'decrypted blockchain account secret key' The electronic signature of the applicant for the ninth transaction data is generated, and the ninth transaction data matching the electronic signature is generated. It transmits to the server 900, stores the ninth transaction data matched with the electronic signature in the standby transaction DB 280, and displays the financial contract identification information, the financial contract amount and the escrow deposit amount output in step 432-1. Prepare a predetermined escrow deposit electronic application, which includes the set billing amount, the set identification information, the name / real name ID / address / communication ID of the set right holder, and the predetermined escrow deposit request information, and the financial applicant as 'sender identification information' Blockchain account identification information of 'and' blockchain account identification information of a predetermined escrow server 800 as recipient identification information 'and the 10th transaction data including the escrow deposit electronic application, and creating the 10th transaction data Calculate the hash value and encrypt the hash value with 'the decrypted blockchain account secret key' to obtain the 'electronic signature of the financial applicant for the tenth transaction data'. Create, transmit the '10th transaction data matching the electronic signature' to the escrow server 800, and store the 10th transaction data matching the electronic signature in the standby transaction DB 280.

In step 436-2, when the bank server 900 receives 'the ninth transaction data matched with the electronic signature transmitted in step 434-2', the ninth transaction data shows a predetermined block chain account as 'sender identification information'. Identification information 'and real name information provision electronic application are extracted, public key matching the blockchain account identification information is retrieved by a known method, a hash value of the ninth transaction data is calculated, and the electronic signature is used as the public key. Decrypting, judging whether the decrypted value and the hash value match, and in the electronic application for providing real name information, 'requires predetermined blockchain account identification information as real-time identification information and real-name blockchain account identification information, and real-name information providing target. Blockchain account identification information of the registration server for rights as identification information, application information for providing real name information, and predetermined personal authentication information 'are extracted and Searching for 'account ID and disposable encryption key and public key' matched with the above-mentioned 'blocker account identification information as the applicant identification information and real-name blockchain account identification information' in the increase DB 930, and the account DB 910 Search for the 'hash value of the password' matched to the account ID, decrypt the one-time authentication information with the one-time encryption key, calculate the password, calculate the hash value of the password, calculate the hash value and the The match is determined by comparing the searched 'password hash value'.

An additional aspect in step 318-2 is also applicable in step 430-1.

If the judgment is affirmative in step 436-2, step 438-2 is operated.

In step 438-2, the bank server 900 stores 'the ninth transaction data matched in the electronic signature, received in step 436-2' in the standby transaction DB 980, and randomly generates a one-time encryption key, In the user authentication DB 930, the 'disposable encryption key found in step 436-2' is updated to 'the generated disposable encryption key', and the 'generated disposable encryption key' is 'the public key found in step 436-2'. Encrypted, and matched the 'encrypted disposable encryption key' to 'bank identification information matching the bank server 900' to match the 'sender identification information extracted in step 436-2' with the financial applicant terminal 200 Sent to the user authentication DB 930, search for 'name and real name ID' matched to 'real name subject blockchain account identification information extracted in step 436-2', and the real name subject blockchain account identification information and the ' A certain real name electronic confirmation including name and real name ID ' Create, extract the 'blockchain account identification information of the predetermined rights registration server as real-name identification target identification information extracted in step 436-2,' and 'blockchain account identification information of the bank server 900 as the sender identification information. 'And' blockchain account identification information of the rights registration server as recipient identification information 'and predetermined 11th transaction data including the real name electronic confirmation are prepared, a hash value of the 11th transaction data is calculated, and' prescribed ' By encrypting the hash value with the blockchain account secret key of the bank server 900 retrieved by the method of ', the electronic signature of the bank server 900 for the 11th transaction data' is generated, and the ' The matched 11th transaction data 'is transmitted to the right registration server 400, and the 11th transaction data matched with the electronic signature is stored in the standby transaction DB 980.

In the step 440-2, the rights registration server 400 receives the 'eighth transaction data matched in the electronic signature transmitted in step 434-2' and the '11th matched electronic signature transmitted in the step 438-2. When the transaction data is received, the '8th transaction data' extracts the 'blockchain account identification information of the financial applicant as sender identification information' and the registered electronic application, and the public key matched to the blockchain account identification information by a known method. Search, calculate the hash value of the eighth transaction data, decrypt the digital signature with the public key, determine whether the decrypted value and the hash value match, and sender identification information in the eleventh transaction data. Blockchain account identification information of the bank server 900 as' and real name electronic confirmation are extracted, and a public key matching the blockchain account identification information is searched by a known method, and the 11th Calculating a hash value of the transaction data, the public key, and decrypting the electronic signature, it is determined that the the decrypted value and the hash values match.

An additional aspect in step 318-2 is also applicable in step 430-1.

If both of the judgments in step 440-2 are positive, step 442-2 below is operated.

In step 442-2, the right registration server 400 transmits the 'eighth transaction data matching the electronic signature and the eleventh transaction data matching the electronic signature' to the standby transaction DB 480. Save, search the 'name and real name ID' matched to the set object identification information included in the registered electronic application extracted in step 440-2 in the right proof DB 410, and search for the real name extracted in step 440-2 From the electronic confirmation, extract the 'identified real-name block chain account identification information and name and real name ID matched with each other', and in the registered electronic application form, 'name / real name ID / address / communication ID as identification information of the applicant and owner' Extract the name / real name ID / address / communication ID of the setting authority and the setting object identification information and the set billing amount, and extract the 'blockchain account identification information of the financial applicant as the sender identification information, extracted from the eighth transaction data' 'Added from the real name electronic confirmation It is judged whether it matches by checking the real-name realization target blockchain account identification information, and the name and real name of the applicant and owner, extracted from the above registered electronic application, 'Name and real name ID retrieved from the right certificate DB 410' ID 'and' name and real name ID extracted from the real name electronic confirmation 'are compared with each other to determine whether they all match.

If all of the judgments in step 442-2 are positive, steps 444 to 450 in Figs. 21 to 23 are operated.

27 is a method of conveniently and safely relaying direct finance according to the present invention, as shown in FIGS. 8 to 10 and 13 and 16 and 17 and 21 to 23 and 24 to 26 'is a flowchart illustrating an embodiment in which transaction data created and transmitted according to the embodiments are distributedly stored in a blockchain network.

In step 505, in one or more of each of the devices constituting the standby transaction DB of the present invention according to a predetermined block chain generation cycle, transaction data matching the corresponding generation cycle in the standby transaction DB of the 'matching digital signature' Extract together.

According to an additional aspect of the present invention, the financial relay server 100 and one or more financial applicant terminals 200, one or more financial provider terminals 300, a rights registration server 400, an escrow server 800 and a bank server (900) constitutes 'standby transaction DB (180, 280, 380, 480, 880, 980) and distributed ledger (190, 290, 390, 490, 890, 990)', and notary server 700 is distributed ledger (790).

In step 510, in 'devices operating step 505', a route hash value is calculated using 'transaction data and digital signatures extracted in step 505', the previous block is extracted by a predetermined method, and immediately before the Calculate the hash value of the block header of the block, create a predetermined block header that includes the hash value of the immediately preceding block header and the root hash value, and generate the block header and 'the extracted, transaction data and digital signature Create a predetermined block containing '.

In step 515, in 'devices operating step 510', a hash value of 'block header created in step 510' is calculated, and the blockchain account secret key of the device is searched in a predetermined method, and the blockchain account secret Encrypt the hash value with a key to generate an 'electronic signature of the device for the block', extract the access addresses of 'the peer nodes of the device' from a given peer DB (not shown), and to the access addresses 'The block matching the digital signature' is transmitted to the matched peer nodes.

The peer ledgers receiving the 'blocks matching the digital signature transmitted in step 515' in step 520 verify the 'blocks received' by a known method, and then the distributed ledger (190, 290, 390) configured in their device. , 490, 790, 890, 990), extracts the access addresses of 'own peer nodes' from its peer DB (not shown), and its peer nodes matching the access addresses Sends the 'block matching the digital signature' received by itself.

According to an additional aspect of the present invention, step 520 is repeated, and the 'block created in step 510' is distributedly stored in the distributed ledger of each node participating in the blockchain network.

28 and 29 are examples of a method for conveniently and safely relaying direct finance according to the present invention, as shown in FIGS. 8 to 10 and 13 and 16 and 17 and 21 to 23. And 'transaction data created and transmitted according to the embodiments of FIGS. 24 to 26' are distributedly stored in the authority nodes of the blockchain network, and the proof of existence of each transaction data is distributedly stored in all nodes of the blockchain network. Operation is a flow chart showing one embodiment.

In step 505-1, in accordance with a predetermined private primary block chain creation cycle, in the financial relay server 100, the rights registration server 400, the escrow server 800, and the bank server 900, the respective standby transaction DB ( 180, 480, 880, 980) extracts 'transaction data received by itself' and 'transaction data corresponding to the generation cycle already passed among the transaction data created by itself' together with matching digital signatures.

According to another aspect of the present invention, step 505-1 may be replaced by step 505-2 below.

In step 505-2, in accordance with a predetermined private primary block chain creation cycle, in the financial relay server 100, the rights registration server 400, the escrow server 800, and the bank server 900, the respective standby transaction DB ( 180, 480, 880, 980) extracts 'transaction data written by itself' and 'transaction data corresponding to a generation cycle that has already passed among the transaction data received by itself' with matching digital signatures.

Additional aspects in step 505 of FIG. 27 are also applicable in steps 505-1 and 505-2.

After step 505-1 (or step 505-2) is operated, step 510-1 or below is operated.

In step 510-1, in 'the devices operating step 505-1 (or step 505-2)', the root hash value is calculated using 'transaction data and digital signatures extracted in the step', and a predetermined The previous private primary block is extracted by the method, the hash value of the 'block header of the previous private primary block' (hereinafter referred to as "previous private primary block header") is calculated, and the 'previous private primary block header is calculated. Create a predetermined private primary block header that includes the hash value of and the root hash value, and a private that includes the private primary block header and 'the extracted, transaction data and digital signatures'. Create a primary block, calculate the hash value of the private primary block header, extract the blockchain account secret key of the device by a predetermined method, and encrypt the hash value with the blockchain account secret key to 'recall Private primary block Generates the digital signature of the device ', extracts the access addresses of' private primary block peer nodes' from the peer DB (not shown) of each device, and matches the access nodes to the access addresses The 'primary primary block matching the digital signature' is transmitted.

According to an additional aspect of the present invention, the authority nodes are composed of a rights registration server 400, a notary server 700, and 'a small number of public servers that have been specifically authorized by the government to store transaction data.'

In step 515-1, the authority nodes (one or more of 400, 700, etc.) that received the 'private primary block matching the digital signature transmitted in step 510-1' are 'known methods for verifying the private block'. Verify the private primary block.

If the verification is completed positively, step 520-1 is operated.

Distributed ledger (at least two of 490, 790, etc.) of the authoritative nodes (two or more of 400, 700, etc.) participating in the known method of verifying the private primary block in step 520-1 at step 520-1. 'Primary primary block verified in step 515-1' in the private primary ledger (not shown) of the primary primary block sub-distribution, and in the standby transaction DB (one or more of 480, 780, etc.) Search for 'transaction data matching the included transaction data' and delete it together with 'e-signatures matching the retrieved transaction data', and 'transmit identification information' in each transaction data included in the private primary block. And 'reception identification information', and among the devices matching each of the above 'one or more of the transmission identification information and the reception identification information', the 'non-authority nodes' (one or more of 100, 800, 900) are selected as' the private Block header of primary block Further (hereinafter referred to as "private primary block header") and 'blockchain account identification information matching the device, included in the private primary block, which includes at least one of transmission identification information and reception identification information. Transaction data '.

According to an additional aspect of the present invention, in step 520-1, a device (one or more of 100, 400, 800, 900) matching each of the 'one or more of the transmission identification information and the reception identification information' is the authority node. Accessing the fields (one or more of 400, 700, etc.) and transmitting their own blockchain account identification information and predetermined identity authentication information; Positively verifying the authentication information at the authority node (one of 400, 700, etc.); The device (one or more of 100, 400, 800, 900) matching each of the 'one or more of the transmission identification information and the reception identification information' is transmitted to the authority node (one of 400, 700, etc.) as' the authority node 400 Among the transaction data included in the private primary blocks stored in the private primary block sub-distributed ledger (not shown) of the distributed ledger (one of 490, 790, etc.) of one of 700, etc. Transmit transaction data that includes 'account identification information' as 'one or more of transmission identification information and reception identification information', and information requesting to download 'block header of the private primary block including each of the transaction data'. To do; It includes.

In the device (one or more of 100, 400, 800, 900) that received the 'private primary block header and transaction data transmitted in step 520-1' in step 525-1, the distributed ledger (190, 490, 890 , One or more of 990) in the private primary block subdistributed ledger (not shown), and store the 'private primary block header and transaction data', and in the standby transaction DB (180, 480, 880, 980) Search and delete 'transaction data matching the received transaction data' and 'electronic signature matching each transaction data'.

In step 530-1, according to a predetermined private secondary block chain generation cycle, in each primary node (400, 700, etc.), in the private primary block subdistribution ledger (not shown) of the distributed ledger (490, 790, etc.) Among the private primary blocks created by the user, the private primary block headers of the private primary blocks for which the private secondary block identification information does not match, and the generation cycle already passed among the private primary blocks received by the user The private primary block headers of 'private primary blocks whose corresponding secondary secondary block identification information does not match' are extracted.

According to another aspect of the present invention, step 530-1 may be replaced with step 530-2 below.

In step 530-2, according to a predetermined private secondary block chain generation cycle, in each primary node (400, 700, etc.), in the private primary block subdistribution ledger (not shown) of the distributed ledger (490, 790, etc.) Of the private primary blocks received by the user, the private primary block headers of the private primary blocks for which the private secondary block identification information does not match and the generation cycle that has already passed among the private primary blocks transmitted by the user Private primary block headers of 'private primary blocks' that do not match the private secondary block identification information are extracted.

According to an additional aspect of the present invention, the private secondary block chain generation cycle is longer than the private primary block chain generation cycle and shorter than the public block generation cycle below.

After step 530-1 (or step 530-2) is operated, step 535-1 or below is operated.

In step 535-1, in 'the devices operating step 530-1 (or step 530-2)', the root hash value is calculated using 'private primary block headers extracted in the step', and a predetermined method is used. The previous private secondary block header is extracted, the hash value of the immediately preceding private secondary block header is calculated, and a predetermined private 2 including the hash value of the immediately preceding private secondary block header and the root hash value. Create a secondary block header, calculate the hash value of the private secondary block header, extract the block chain account secret key of the device by a predetermined method, and use the block chain account secret key to select the 'private secondary block header'. The hash value 'is encrypted to generate' the digital signature of the device for the private secondary block header ', and the access addresses of the private secondary block peer nodes are extracted from the peer DB (not shown) of each device. Matching access addresses Transmits "the electronic signature by the private header, the second block matching 'with the private secondary block nodes.

According to an additional aspect of the present invention, the private secondary block nodes include a financial relay server 100, a rights registration server 400, a notary server 700, an escrow server 800, and a bank server 900. It consists of multiple servers that provide services using the blockchain network of the invention.

The private secondary block nodes (100. 400, 700, 800, 900, etc.) that received the 'private secondary block header matching the digital signature transmitted in step 535-1' in step 540-1 are 'public blocks'. The private secondary block header is verified with one of a known method for verification and a known method for verifying a private block.

If the verification is positively completed, step 545-1 is operated.

Distribution of 'private secondary block nodes (two or more of 100, 400, 700, 800, 900, etc.) participating in a known method of verifying the private secondary block header according to step 540-1' in step 545-1. The private secondary block header verified in step 540-1 is stored in the private secondary block subdistributed ledger (not shown) of the ledger (two or more of 190, 490, 790, 890, 990, etc.), and the private primary The block sub-distribution ledger (not shown) matches the 'private primary block headers matching the private secondary block header' and stores the 'identification information of the private secondary block header' as private secondary block identification information. .

According to an aspect of the present invention, the identification information of the private secondary block header is at least one of 'a hash value of the private secondary block header' and 'a predetermined serial number assigned to the private secondary block header'. .

Distributed ledgers (190, 490, 790, 890, 990, etc.) in private secondary block nodes (one or more of 100, 400, 700, 800, 900, etc.) according to a predetermined public blockchain creation cycle in step 550-1 'Private secondary block headers (not shown)' of 'Private secondary block headers whose public block identification information does not match among the private secondary block headers created by themselves' and' Among the private secondary block headers, the private secondary block headers that correspond to the generation cycle that has already passed but do not match the public block identification information are extracted.

According to another aspect of the present invention, step 550-1 may be replaced with step 550-2 below.

In step 550-2, the private ledger (190, 490, 790, 890, 990, etc.) of the distributed ledger in the private secondary block nodes (100, 400, 700, 800, 900, etc.) In the secondary block sub-distribution ledger, 'Private secondary block headers whose public block identification information does not match among the private secondary block headers received by themselves' and' private secondary block headers created by themselves have already been passed. Private secondary block headers that do not match the public block identification information while corresponding to the period are extracted.

In step 555-1, in 'the devices operating step 550-1 (or step 550-2)', the root hash value is calculated using 'private secondary block headers extracted in the step', and a predetermined method is used. The previous public block header is extracted, a hash value of the immediately preceding public block header is calculated, a predetermined public block header including the hash value of the immediately preceding public block header and the root hash value is created, and the public block header is generated. Calculate the hash value of the header, extract the block chain account secret key of the device by a predetermined method, and encrypt the hash value with the block chain account secret key to obtain the 'electronic signature of the device to the public block header'. Create, extract the connection addresses of public block peer nodes from the peer DB (not shown) of each device, and use the public block peer nodes matching the connection addresses as' the fur matching the digital signature. Block Block Header '.

According to an additional aspect of the present invention, the public block nodes include a public block header among a plurality of servers providing a service using the blockchain network of the present invention and terminals for using a service provided by the servers. It is composed of terminals (200, 300, etc.) equipped with a distributed ledger capable of distributed storage.

In step 560-1, the public block nodes (one or more of 100, 200, 300, 400, 700, 800, 900, etc.) that received the 'public block header matching electronic signature transmitted in step 555-1' The public block header is verified by the 'known method for public block verification'.

If the verification is completed positively, step 565-1 is operated.

Distribution of public block nodes (two or more of 100, 200, 300, 400, 700, 800, 900, etc.) participating in a known method of verifying the public block header according to step 560-1 in step 565-1. The public block header verified in step 560-1 is stored in the public block sub-distributed ledger (not shown) of the ledger (two or more of 190, 290, 390, 490, 790, 890, 990, etc.).

According to an additional aspect of the present invention, two of the distributed ledgers 190, 490, 790, 890, 990, etc. of the private secondary block nodes (100, 400, 700, 800, 900, etc.) among the public block nodes In the private secondary block sub-distribution ledger (not shown) of (above), it matches the 'private secondary block headers matching the public block header' and stores the 'identification information of the public block header' as public block identification information. .

According to an aspect of the present invention, the identification information of the public block header is at least one of 'a hash value of the public block header' and 'a predetermined serial number assigned to the public block header'.

According to an additional aspect of the present invention, after step 565-1 is operated, one of the financial applicants or the financial providers proves the existence of 'one of transaction data created or received by their terminals 200 and 300'. If this is necessary, search for 'private primary block header with matching transaction data' in the private primary block subdistribution ledger (not shown) of the distributed ledgers 290 and 390 of their terminals 200 and 300. Then, the 'transaction data subject to existence proof', 'identification information of the private primary block header', and predetermined existence proof application information are transmitted to one of the authority nodes (400, 700, etc.) of the present invention. The authoritative node (one of 400, 700, etc.) receiving the above information identifies the 'private primary block header in the private primary block subdistributed ledger (not shown) configured in its distributed ledger (one of 490, 790, etc.) Search for a private primary block matching 'information', and search for a transaction day that matches the 'transaction data to be received' among the transaction data included in the private primary block, and the matching transaction data When it is searched, it searches for a timestamp matching the retrieved transaction data, and identifies the 'private primary block header in the private primary block subdistributed ledger (not shown) configured in the distributed ledger (one of 490, 790, etc.). Search for 'private primary block and private secondary block header identification information' matching the information, and distribute the private secondary block sub-distribution configured in the distributed ledger (one of 490, 790, etc.) In the chapter (not shown), search for 'private secondary block header and public block header identification information' matching the private secondary block header identification information, and the public block subs configured in the distributed ledger (one of 490, 790, etc.) The distributed ledger (not shown) searches for a public block header matching the public block header identification information, and the searched 'timestamp and private primary block header and private secondary block header and public block header' are proof of the existence. It is presented as proof of the existence of the target transaction data.

According to an additional aspect of the present invention, if the transaction data for the existence proof is forged, it can be seen that the transaction data for the existence proof is forged because the transaction data for the existence proof will not exist in the searched private primary block. There will be. In addition, if the forged private transaction data is included in the proposed private primary block, the root hash value calculated using the 'transaction data and electronic signatures' included in the private primary block is 'the private 1'. Since it will be different from the root hash value included in the private primary block header included in the secondary block, it can be seen that the private primary block contains forged and forged transaction data. In addition, if it is forged with the root hash value calculated using the 'forged forged existence transaction data' up to the root hash value, it is matched to the 'private primary block header including the forged forged root hash value'. The root hash values calculated using the private primary block headers matching the 'private secondary block headers' are different from the 'root hash values included in the private secondary block headers' and the private primary block headers. You can see that one or more of them are forged. Meanwhile, if the root hash value included in the private secondary block header is falsified to match the 'root hash value of the falsified private primary block header', 'match the falsified private secondary block header. The root hash value calculated using the private secondary block headers including the 'private secondary block header including the forged forged root hash value' matching the 'public block header' included in the 'public block header' It is possible to know that at least one of the private secondary block headers is forged and different from the 'rooted hash value'. On the other hand, if the `` root hash value included in the public block header '' is falsified to match the `` root hash value of the falsified private secondary block header '', `` numerous nodes storing the public block header '' The root hash value included in the public block header stored in 'field' is different from the 'forged forged root hash value', so that it can be seen that the public block header is forged.

100: financial relay server
110: Financial Relay DB
120: supply standby DB
130: User authentication DB
140: Reserved DB
160: Escrow DB
170: Price volatility index search department
180: standby transaction DB
190: distributed ledger
200: Financial Applicant Terminal
210: secret information DB
220: certificate storage
230: Real name information storage
240: communication ID storage
260: first temporary memory
280: standby transaction DB
290: distributed ledger
300: financial provider terminal
310: secret information DB
320: certificate storage
330: real name information storage
340: communication ID storage
360: first temporary memory
380: standby transaction DB
390: distributed ledger
400: Rights registration server
410: Proof of Rights DB
420: Set transaction DB
480: Standby transaction DB
490: distributed ledger
500: credit information server
510: Credit information DB
600: price information server
610: Price information DB
700: Notary server
710: Notary DB
780: standby transaction DB
790: Distributed Ledger
800: Escrow Server
810: Escrow DB
880: standby transaction DB
890: distributed ledger
900: bank server
910: Account DB
920: OTP generation department
930: User authentication DB
980: Standby transaction DB
990: distributed ledger

Claims (15)

In a predetermined financial relay server, characterized by matching the predetermined financial application commitment information and the predetermined financial supply commitment information,
From 'a predetermined notary server characterized by processing a task of providing evidence of the fact that a specific sender has transmitted specific transmission target data to a specific recipient', a predetermined sender communication ID and a predetermined financial applicant identification information and a predetermined (A) receiving a predetermined notary completion transfer file including financial application condition information and predetermined financial application commitment information;
Matching the predetermined financial application transaction identification information to a predetermined DB and storing 'financial applicant identification information and financial application condition information received in step (A)'(B);
From the predetermined notary server of the above feature, among the predetermined sender communication ID and the financial application transaction identification information stored in step '(B)' and the financial application transaction identification information, (C) receiving a predetermined notarization completion transmission file including one or more 'and predetermined financial provider identification information and predetermined financial supply commitment information; And
(D) transmitting the 'information including a predetermined financial contract information' to one or more of the notarization server of the above feature and the 'terminal matching the financial applicant identification information'; A method of conveniently and securely relaying direct finance using a public key characterized by including
In a predetermined financial relay server, characterized by matching the predetermined financial application commitment information and the predetermined financial supply commitment information,
From the 'predetermined notary server characterized by processing the task of providing evidence of the fact that the specific sender has transmitted the specific data to be sent to the specific recipient', the 'predetermined sender communication ID and predetermined financial provider identification information and predetermined (A) receiving a predetermined notary completion transmission file including financial supply condition information and predetermined financial supply commitment information;
(B) storing the financial provider identification information and the financial supply condition information received in step (A) by matching the predetermined financial supply standby identification information to a predetermined DB (B);
A predetermined notary completion transmission including a predetermined sender communication ID and 'financial supply waiting identification information stored in step (B)', predetermined financial applicant identification information, and predetermined financial application confirmation information from the predetermined notary server of the above feature. (C) receiving a file; And
Transmitting the 'information including a predetermined financial contract information' to the 'terminal matching the financial provider identification information'(D); A method of conveniently and securely relaying direct finance using a public key characterized by including
In a predetermined financial relay server, characterized by matching the predetermined financial application commitment information and the predetermined financial supply commitment information,
A predetermined transaction that matches a predetermined electronic signature and includes 'a predetermined blockchain account identification information as sender identification information' and 'a predetermined transmission target data including predetermined financial application condition information and predetermined financial application commitment information' Receiving data (A);
Calculate the hash value of 'transaction data received in step (A)', and the public key matching 'blockchain account identification information as sender identification information received in step (A)' received in step '(A)' Decoding the digital signature 'and determining whether the decoded value matches the hash value (B);
If the judgment in step (B) is affirmative, matching the predetermined financial application transaction identification information to a predetermined DB and storing the 'financial application condition information received in step (A)'(C);
Financial application transaction identification information matching predetermined electronic signature and matching financial application transaction identification information stored in step (C) with 'Blockchain account identification information of financial provider as sender identification information' and predetermined financial supply commitment information (D) receiving predetermined transaction data including predetermined transmission object data including ';
Calculate the hash value of the 'transaction data received in step (D)' and the public key matching 'blockchain account identification information as sender identification information received in step (D)' received in step '(D)' Decoding the digital signature 'and determining whether the decoded value matches the hash value (E); And
If the judgment in step (E) is affirmative, the terminal that can be matched to the 'predetermined blockchain account identification information as sender identification information received in step (A)' includes a 'financial financial agreement decision information'. (F) transmitting information '; A method of conveniently and securely relaying direct finance using a public key characterized by including
In a predetermined financial relay server, characterized by matching the predetermined financial application commitment information and the predetermined financial supply commitment information,
A predetermined transaction that matches a predetermined electronic signature and includes 'a certain block chain account identification information as sender identification information' and 'a predetermined transmission target data including predetermined financial supply condition information and predetermined financial supply commitment information' Receiving data (A);
Calculate the hash value of 'transaction data received in step (A)', and the public key matching 'blockchain account identification information as sender identification information received in step (A)' received in step '(A)' Decoding the digital signature 'and determining whether the decoded value matches the hash value (B);
(C) storing 'financial supply condition information received in step (A)' by matching predetermined financial supply waiting information in a predetermined DB when 'judgment in step (B)' is positive;
Financial supply waiting identification information and predetermined financial application confirmation information matching predetermined electronic signatures and matching 'predetermined blockchain account identification information as sender identification information' and 'financial supply waiting identification information stored in step (C)' (D) receiving the predetermined transaction data including the predetermined transmission target data including the data;
Calculate the hash value of 'transaction data received in step (D)', and the public key matching 'blockchain account identification information as sender identification information received in step (D)' received in step '(D)' Decoding the digital signature 'and determining whether the decoded value matches the hash value (E); And
If the 'judgment in step (E)' is positive, the terminal that can match the 'predetermined block chain account identification information as sender identification information received in step (A)' (F) transmitting the information including; A method of conveniently and securely relaying direct finance using a public key characterized by including
In a predetermined financial relay server, characterized by matching the predetermined financial application commitment information and the predetermined financial supply commitment information,

Receiving information including 'one or more of predetermined financial application condition information, predetermined financial supply waiting identification information and predetermined financial application amount', predetermined financial applicant identification information and predetermined financial application confirmation information (A);

The 'predetermined credit information matched to the predetermined financial applicant identification information' transmitted from the 'predetermined credit information server characterized by processing a task for providing predetermined credit information for a specific person' and
Matched to the predetermined collateral identification information included in the prescribed financial application condition information transmitted from the 'predetermined rights registration server characterized by processing the task of updating the ownership or collateral rights for a specific object or right' , Prescribed restricted ticket setting information 'and
Matches predetermined collateral identification information included in the predetermined financial application condition information transmitted from the 'predetermined price information server characterized by updating the price information on a specific product and processing the business in response to the inquiry' Price information 'and
Loan deposit account ID matched to the predetermined financial contract identification information transmitted from the 'predetermined notary server characterized by processing the task of providing evidence of the fact that the specific sender has transmitted the specific transmission target data to the specific recipient' (B) receiving one or more of the;

Receives information including 'one or more of predetermined financial application transaction identification information, predetermined reservation identification information, predetermined financial supply condition information and predetermined financial supply amount', predetermined financial provider identification information, and predetermined financial supply commitment information Step (C); And
(D) transmitting information including a predetermined financial contract decision information to at least one of the notary server and the terminal matching the financial applicant identification information and the terminal matching the financial provider identification information; A method of conveniently and securely relaying direct finance using a public key characterized by including
In a given terminal,

Creating predetermined transmission target data including predetermined financial applicant identification information, 'one or more of predetermined financial application condition information and financial application amount and predetermined financial supply waiting identification information', and predetermined financial application confirmation information (A );
'Communication ID of a financial applicant as a sender communication ID' and 'Communication ID of a predetermined financial relay server, characterized by matching predetermined financial application commitment information and predetermined financial supply commitment information as the recipient communication ID' and '( (B) creating a predetermined notarized transmission file including the transmission target data prepared in step A); And
Calculate the hash value of the 'notary transfer file created in step (B)', encrypt the hash value with the 'secret key of the financial applicant', generate a predetermined digital signature, and transmit the notarized signature matching the digital signature (C) transmitting the file to a predetermined notary server characterized by processing a task of providing evidence of the fact that a specific sender has transmitted specific transmission target data to a specific receiver; Including,

(D) receiving from the 'one of the financial relay server and the notary server' the 'information that can match the transmission target data created in step (A) and includes a predetermined financial contract decision information'; Wow
Preferred credits, including 'credit information provision applicant identification information and credit evaluation target identification information' and 'credit information providing financial identification server identification information' and predetermined credit information provision application information Complete the electronic application for information provision, calculate the hash value of the electronic application for credit information, encrypt the hash value with the 'secret key of the financial applicant', generate a predetermined electronic signature, and match the electronic signature (E) transmitting the credit information providing electronic application to a 'predetermined credit information server characterized by processing a task for providing predetermined credit information to a specific person'; Wow
Fill out a prescribed electronic registration form including the 'financial applicant identification information, as the identification information of the registered applicant and the owner of the set target object,' and the 'set billing amount, set target object identification information, and set right holder identification information.' The hash value of the electronic application is calculated, and the hash value is encrypted with the 'secret key of the financial applicant' to generate a predetermined electronic signature, and the registered electronic application matching the electronic signature is added to the specific object or right. (F) transmitting to the predetermined rights registration server, characterized in that it handles the task of updating the ownership or collateral rights to the Korean government; A method of conveniently and securely relaying direct finance using a public key characterized by including one or more of
In a given terminal,

Creating predetermined transmission target data including predetermined financial applicant identification information, 'one or more of predetermined financial application condition information and financial application amount and predetermined financial supply waiting identification information', and predetermined financial application confirmation information (A );
Blockchain account of a given financial relay server, characterized by matching 'financial applicant's blockchain account identification information as sender identification information' and 'receiver identification information, with predetermined financial application commitment information and predetermined financial supply commitment information. Identification information 'and' transmitting target data created in step (A) 'creating predetermined transaction data (B); And
The hash value of the 'transaction data created in step (B)' is calculated, and the hash value is encrypted with the 'blockchain account secret key of the financial applicant' to generate a predetermined digital signature, and the electronic signature is matched. (C) transmitting transaction data to the financial relay server; Including,

A step (D) of receiving information from the financial relay server, the information including 'a predetermined transmission target data that can be matched with the transmission target data in step (A) and including a predetermined financial contract decision information'; Wow
Preferred credits, including 'credit information provision applicant identification information and credit evaluation target identification information' and 'credit information providing financial identification server identification information' and predetermined credit information provision application information (E) preparing an electronic application for information provision; Wow,
Blockchain account of 'Preferred credit information server characterized by processing tasks for providing predetermined credit information for a specific person' as 'identifier's block chain account identification information' as sender identification information and recipient identification information Create predetermined transaction data including identification information and the electronic application for providing credit information, calculate a hash value of the transaction data, and use the hash value as a 'secret key matching blockchain account identification information of the financial applicant' (F) generating a predetermined digital signature by encrypting and transmitting the transaction data matching the digital signature to the credit information server; Wow,
From the 'Escrow server, characterized by processing the business of storing the financial supply amount of the financial supplier until the financial applicant sets the security right of the financial supplier in the collateral,' the 'cause transaction identification information, escrow deposit amount, and escrow payment A certain escrow completion notice including the account ID, the set billing amount, one or more of the set target object identification information and the set right identification information, and a predetermined set billing information and 'blockchain account identification information of the escrow server as sender identification information' And, upon receiving predetermined transaction data and a predetermined electronic signature including the 'blockchain account identification information of the financial applicant as recipient identification information,' a hash value of the transaction data is calculated, and 'blockchain as the sender identification information. Decryption of the digital signature with the public key matching the account identification information, and decryption The phase value (G) to determine if a match with the hash value; Wow,
Completing a prescribed electronic registration form including 'the financial applicant identification information, as the identification information of the registered applicant and the owner of the set target object,' and the 'set billing amount, the target object identification information and the set right holder identification information' (H ); Wow
Creates predetermined transaction data including the 'blockchain account identification information of the financial applicant as sender identification information' and 'blockchain account identification information of the right registration server as recipient identification information' and the registered electronic application, and the transaction Calculating a hash value of data, encrypting the hash value with the 'blockchain account secret key of the financial applicant' to generate an electronic signature, and transmitting the transaction data matching the electronic signature to the right registration server (I); Wow
Preliminary real-name information including 'identifier identification information and identification information of the above-mentioned rights registration server as real-name identification target information' and 'recognition information of the rights registration server as real-name identification target information' Step (J) of completing the provision electronic application; And
Create predetermined transaction data including the electronic application for providing real-name information and 'blockchain account identification information of the financial applicant as sender identification information' and 'blockchain account identification information of a given bank server as recipient identification information', The hash value of the transaction data is calculated, and the hash value is encrypted with the 'blockchain account secret key of the financial applicant' to generate a predetermined electronic signature, and the transaction data matching the electronic signature is matched to the bank server. Sending to (K); A method of conveniently and securely relaying direct finance using a public key characterized by including one or more of
In a given terminal,

Preferred data to be transmitted, including predetermined financial provider identification information, 'one or more of predetermined financial supply condition information, financial supply amount, predetermined financial application transaction identification information, and predetermined reservation identification information', and predetermined financial supply confirmation information (A) to write;
'Communication ID of the financial provider as the sender communication ID' and 'Communication ID of the predetermined financial relay server characterized by matching the predetermined financial application commitment information and the predetermined financial supply commitment information as the receiver communication ID' and '( (B) creating a predetermined notarized transmission file including the transmission target data prepared in step A); And
Calculate the hash value of the 'notary transfer file created in step (B)', encrypt the hash value with the 'secret key of the financial provider', generate a predetermined digital signature, and transmit the notary that matches the digital signature (C) transmitting the file to a predetermined notary server characterized by processing a task of providing evidence of the fact that a specific sender has transmitted specific transmission target data to a specific receiver; Including,

(D) receiving from the 'one of the financial relay server and the notary server' the 'information that can match the transmission target data created in step (A) and includes a predetermined financial contract decision information'; Wow
From the financial relay server, the financial provider as' Escrow beneficiary identification information, predetermined escrow account ID, predetermined cause transaction identification information, escrow amount, set billing amount, set target object identification information, set subject identification information, and set right holder identification information. Receive a predetermined escrow application file including one or more of identification information and an escrow payment account ID, calculate the hash value of the escrow application file, and encrypt the hash value with the 'secret key of the financial provider' Generating a predetermined digital signature and creating predetermined transmission target data including the electronic signature and the escrow application file (E); and
Characterized in that it processes the business of storing the financial supply amount of the financial provider until the financial applicant sets the security right of the financial provider in the collateral subject as the 'communication ID of the financial provider as the sender communication ID' and the 'recipient communication ID'. Create a predetermined notary transfer file including the communication ID of the predetermined escrow server and the 'transmission target data created in step (E)', calculate the hash value of the notarized transfer file, and use the hash value as the secret key (F) encrypting and generating a predetermined digital signature, and transmitting the notarized transmission file matching the digital signature to the notary server; A method of conveniently and securely relaying direct finance using a public key characterized by including one or more of
In a given terminal,

To generate predetermined transmission target data including predetermined financial provider identification information, 'one or more of predetermined financial supply condition information, predetermined financial application transaction identification information and predetermined reservation identification information', and predetermined financial supply commitment information Step (A);
Blockchain account of a predetermined financial relay server, characterized by matching 'financial information of a financial provider of a financial provider as sender identification information' and 'financial application confirmation information as a recipient identification information and predetermined financial supply commitment information' (B) creating predetermined transaction data including identification information 'and' transmission target data created in step (A) '; And
The hash value of the 'transaction data created in step (B)' is calculated, and the hash value is encrypted with the 'blockchain account secret key of the financial provider' to generate a predetermined electronic signature, and the electronic signature is matched. (C) transmitting transaction data to the financial relay server; Including,

A step (D) of receiving information from the financial relay server, the information including 'a predetermined transmission target data that can be matched with the transmission target data in step (A) and including a predetermined financial contract decision information'; Wow
As the sender identification information, the 'blockchain account identification information of the financial provider' and the 'receipt identification information' process the processing of storing the financial supply amount of the financial provider until the financial applicant sets the security right of the financial provider in the collateral. Blockchain account identification information of predetermined escrow server, 'Escrow beneficiary identification information, predetermined escrow account ID, predetermined cause transaction identification information, escrow amount, set billing amount, set object identification information, and set obligator identification information And a predetermined escrow application information including at least one of the financial provider identification information and the escrow payment account ID as setting authority identification information, and calculates a hash value of the transaction data, Encrypt the hash value with the 'blockchain account secret key of the financial provider' Generating a digital signature, and transmitting the transaction data matched by the digital signature to the escrow server (E); A method of conveniently and securely relaying direct finance using a public key characterized by including one or more of
In a given terminal,
Retrieving a predetermined disposable encryption key from a given DB (A);
Calculating predetermined authentication information using the disposable encryption key (B);
(C) transmitting the user authentication information to a predetermined server characterized by including a predetermined DB that updates a predetermined one-time encryption key by matching the identification information of the terminal owner to a predetermined server;
Receiving (D) a predetermined updated one-time encryption key encrypted with the public key of the terminal owner from the server;
Decrypting (E) the predetermined updated one-time encrypted encryption key received in step (D) with the secret key matching the public key in step (D) of the terminal owner; And
Updating the 'disposable encryption key retrieved in step (A)' from 'DB in step (A)' to 'updated disposable encryption key decoded in step (E)'(F); A method of conveniently and securely relaying direct finance using a public key characterized by including
In a predetermined rights registration server, characterized in that it handles the task of updating the ownership or collateral rights for a specific object or right,
Matching with the given transaction data including 'predetermined blockchain account identification information as sender identification information' and 'predetermined registered electronic application including set billing and set target object identification information and predetermined set right identification information' Receiving (A) a predetermined digital signature;
Calculate the hash value of 'transaction data received in step (A)', and match the 'blockchain account identification information as sender identification information included in the transaction data' with the public key received in step (A) Decrypting the signature 'and determining whether the decrypted value and the hash value match (B);
(C) receiving information including a predetermined real name electronic confirmation from a 'predetermined bank server including a predetermined DB in which the real name ID and the block chain account identification information are matched and stored as components';
A step of comparing and determining whether the 'blockchain account identification information received in step (A) as sender identification information' and the 'blockchain account identification information included in the real name electronic confirmation received in step (C)' are matched. (D);
The real name ID and '(matched to the set object identification information included in the registered electronic application received in step (A)' in 'A given DB characterized in that the owner's real name information is updated by matching the object identification information' and '( A step (E) of determining whether the real name ID included in the real name electronic confirmation received in step C) is matched and matching; And
If both 'Judging in step (B)' and 'Judging in step (D)' and 'Judging in step (E)' are both positive, the set amount and collateral holder identification information are updated by matching the property identification information. Matching to the set object identification information included in the registered electronic application received in step (A) in the predetermined DB, characterized in that the 'set billing amount included in the registered electronic application' and 'the registered electronic Step (F) of storing the identification information of the right holder included in the application form; A method of conveniently and securely relaying direct finance using a public key characterized by including
In a predetermined credit information server, characterized in that for processing a task for providing a predetermined credit information for a specific person,
It includes 'predetermined blockchain account identification information as sender identification information' and 'predetermined credit information provider identification information and credit evaluation target identification information and predetermined blockchain account identification information as credit identification target identification information' from a given terminal. , (A) receiving a predetermined digital signature by matching with predetermined transaction data including the predetermined electronic application for providing credit information;
Calculate the hash value of 'transaction data received in step (A)', and match the 'blockchain account identification information as sender identification information included in the transaction data' with the public key received in step (A) Decrypting the signature 'and determining whether the decrypted value and the hash value match (B);
Credit information provider identification information and credit evaluation target identification included in the credit information provision electronic application received in step (A) in 'A given DB that matches predetermined credit rating identification information and stores predetermined credit information' (C) retrieving predetermined credit information matching information ';
A predetermined step of verifying the identity of the person who matches the credit information provision applicant identification information and credit evaluation target identification information included in the credit information provision electronic application included in the transaction data received in step (A) (D) ;
'If the identity verification result in step (D) is positive, include' credit identification target information included in the credit information provision electronic application received in step (A) 'and' credit information retrieved in step (C) ' (E) preparing a predetermined credit information notification message; And
Blockchain account identification information of the credit information server as the sender identification information and predetermined blockchain account as the identification information of the credit information providing target included in the electronic application for credit information received in step (A) as the recipient identification information Identification information 'and' credit information notification message created in step (D) 'are created, predetermined transaction data is generated, the hash value of the transaction data is calculated, and the hash value is encrypted with the secret key of the credit information server. A predetermined blockchain account as new credit information provision target identification information included in the credit information provision electronic application received in step (A) by generating a predetermined electronic signature and receiving the 'transaction data matching the electronic signature' in step (A) (F) transmitting to the device matching the identification information; A method of conveniently and securely relaying direct finance using a public key characterized by including
In a predetermined escrow server characterized by processing the business of storing the financial supply amount of the financial supplier until the financial applicant sets the security right of the financial supplier in the collateral.
From the 'predetermined notary server characterized by processing the task of providing evidence of the fact that the specific sender has transmitted the specific transmission target data to the specific recipient', the 'escrowed sender communication ID' and the 'receiver communication ID as the escrow server (A) receiving a predetermined notarization complete transmission file including a communication ID of 'and a predetermined transmission target data including a predetermined escrow application file and a predetermined electronic signature';
(B) receiving the 'deposited account ID and the predetermined deposit information including the deposit amount' from the 'predetermined bank server that includes, as a component, a predetermined DB whose balance is updated by matching the account ID';
In the step (A), the hash value of the 'Escrow Application File included in the data to be transmitted received in Step (A)' is extracted and the public key matched to 'Certificate Identification Information that can be matched to the Escrow Application File' Decoding the digital signature included in the received transmission target data, and determining whether the decoded value matches the hash value (C);
Determining whether the 'Escrow account ID included in the escrow application file' and the 'deposit account ID included in the deposit information received in step (B)' match (D);
Determining whether the 'escrow amount included in the escrow application file' and the 'deposit amount included in the deposit information received in step (B)' match (E);
If both 'judgment in step (C)' and 'judgment in step (D)' and 'judgment in step (E)' are positive, the 'determining cause transaction information included in the escrow application file and A predetermined escrow completion notice, including a predetermined amount of escrow, a predetermined set billing amount, one or more of predetermined set object identification information, a predetermined setholder identification information, a predetermined escrow payment account ID, and a predetermined set billing information. (F) transmitting to the device matching the 'configurator identification information included in the escrow application file';
From the 'predetermined rights registration server characterized by processing the task of updating the ownership or collateral rights for a specific object or right', 'the set billing amount, the set object identification information and the set right holder identification included in the escrow application file (G) receiving predetermined mortgage setting completion information including 'set amount and set object identification information and collateral right identification information', each of which is matched with information '; And
Step required to transfer the 'Escrow amount included in the escrow application file' from 'Escrow account ID included in the escrow application file' to 'Escrow payment account ID included in the escrow application file'(H); A method of conveniently and securely relaying direct finance using a public key characterized by including
In a predetermined escrow server characterized by processing the business of storing the financial supply amount of the financial supplier until the financial applicant sets the security right of the financial supplier in the collateral.

(A) receiving predetermined electronic signatures by matching predetermined transaction data including 'predetermined blockchain account identification information as sender identification information' and 'predetermined escrow application file';
(B) receiving a predetermined deposit information including a deposit account ID and a deposit amount from a predetermined bank server;
A hash value of 'transaction data received in step (A)' is extracted, and a public key matching 'blockchain account identification information as sender identification information received in step (A)' is received in step '(A)' Decoding the digital signature 'and determining whether the decoded value matches the hash value (C);
Determining whether the escrow account ID included in the 'Escrow application file received in step (A)' and the deposit account ID included in 'the deposit information received in step (B)' match (D);
Determining whether the escrow amount included in the 'Escrow Application File Received in Step (A)' matches the deposit amount included in 'Deposit Information Received in Step (B)';(E);
If both 'judgment in step (C)' and 'judgment in step (D)' and 'judgment in step (E)' are both positive, included in the 'Escrow application file received in step (A)' Prepare a certain escrow completion notice including 'cause transaction identification information, escrow deposit amount, set billing amount, set object identification information, set right holder identification information, and escrow payment account ID' and 'predetermined set billing information' Step (F); And
'Blockchain account identification information of the escrow server as sender identification information' and 'Blockchain account identification information as escrow beneficiary identification information included in the escrow application file received in step (A)' as recipient identification information 'and' (F Create the predetermined transaction data including the escrow completion notice prepared in step), calculate the hash value of the transaction data, and encrypt the hash value with the 'secret key of the escrow server' to generate a predetermined digital signature And (G) transmitting the transaction data matching the digital signature to a terminal matching the setting mandatory identification information included in the escrow application file received in step (A); A method of conveniently and securely relaying direct finance using a public key characterized by including
At a certain node including 'a certain DB where transaction data can be stored' and a 'some DB where connection addresses of peer nodes can be stored' as components,

Blockchain account identification information as sender identification information and blockchain account identification information as recipient identification information according to a predetermined criterion according to a predetermined criterion in 'DB that can store transaction data' according to a predetermined blockchain creation cycle and predetermined (A) extracting one or more transaction data including the transmission target data ';
Calculating a predetermined root hash value using 'transaction data extracted in step (A)'(B);
Creating a predetermined block header including the hash value of the immediately preceding block header and 'the root hash value calculated in step (B)'(C);
A step (D) of creating a predetermined block including 'block header created in step (C)' and 'transaction data extracted in step (A)'; And
Search for the 'peer node's connection addresses' in 'a given DB where the connection addresses of the peer nodes can be stored', and transmit the 'block created in step (D)' to peer nodes matching the connection address. step; Including,

At least one of 'transmission target data included in each transaction data extracted in step (A)',
'Predetermined Financial Application Commitment Information', 'Predetermined Financial Supply Commitment Information', 'Predetermined Financial Contract Determination', 'Predetermined Escrow Application Information including Cause Transaction Identification Information and Escrow Amount', 'Withdrawal amount and Withdrawal Account''Special remittance request message including ID and deposit account ID' and 'Special escrow completion notice including cause transaction identification information and predetermined set billing information' and 'Applicant and owner identification information and collateral holder identification information and settings' Pre-registered electronic application including target object identification information and set billing amount, 'Blockchain account identification information and real name information subject information and real name information provision application information' and 'Escrow deposit amount and predetermined escrow deposit application information''Escrow deposit electronic application form', 'Blockchain account identification information and real name electronic confirmation including real name information' and 'credit evaluation' A public key characterized by including one of box identification information, credit identification target information and predetermined credit information provision application information, and 'credit evaluation target identification information including credit identification target information and credit information'. To conveniently and safely relay direct finance using

Images