KR20200096400A - System and method for dealing a digital currency with block chain matching QR(or BAR) code - Google Patents

Abstract

The present invention relates to a digital virtual cash transmission system which matches digital virtual cash with a QR (or bar) code for transmission. To this end, a main controller (CPU) (340) which matches virtual cash with authentication information of a QR/bar code by using a transaction system of digital virtual cash having a blockchain between people directly involved comprises: a giver terminal (300C) including encoded virtual cash (315), an encoded QR/bar-code algorithm (415C), and a QR/bar code recognizer; and a receiver terminal (400C) including a QR/bar code recognizer. Furthermore, additionally provided are a conversion device (500) for matching a cryptographic source of the encoded virtual cash (315), including the file name under which the virtual cash is formed or the node; of the virtual cash, with the electronic algorithm source (416) of the QR/bar-code algorithm (415), and a giver-receiver QR/bar-code conversion device (600) for converting the virtual cash of the giver into the virtual cash of the receiver. Therefore, security can be guaranteed.

Description

[System and method for dealing a digital currency with block chain matching QR(or BAR) code} to match and transmit digital cryptocurrency with QR (or BAR) code}

The present invention relates to a digital virtual currency transmission system and method for transmitting digital virtual currency by matching a QR (or BAR) code, and in particular, it is possible to prevent security and hacking when trading digital virtual currency with a blockchain. A digital virtual currency transmission system and method that match and transmit a digital virtual currency using a security means by a fingerprint/finger vein/iris/face/QR code/Bar code recognition sensor with a QR (or BAR) code. will be.

The present inventor has applied for a patent for a 3D stereoscopic imaging device as an authentication device for fingerprints and finger veins in accordance with Patent Application No. 10-2016-46122 for technical matters applied as the gist of this patent application, and also domestic patent application No. 10 Patents have been applied for algorithms for fingerprints and fingerprints, fingerprints and finger veins, and finger veins and finger veins under 2016-0153836, 10-2016-0157310, and 10-2016-0157311.

The transaction system of digital virtual currency having a block chain between parties, which is a background technology that applies this, has also been patented with patent registration Nos. 10-1673073 and 10-1628007.

In other words, the Bitcoin (same concept as virtual currency) (BTC, Bitcoin) system was developed in 2009 by an individual or group of programmers under the pseudonym Nakamoto Satoshi, and basically does not depend on a specific computer or network. It is based on a distributed database based on P2P (pear to pear). In a word, it means that individual computers or servers with a bitcoin (same concept as virtual currency) program are all gathered to create a whole bitcoin (same concept as virtual currency) system.

In this system, what we call bitcoin (the same concept as virtual currency) is created through the act of Mining (originally it means data mining, that is, information processing, but in Korea it is commonly used as'mining'). You can store the generated coins in your personal wallet and trade them. Currently, about 13.8 million of these bitcoins (the same concept as virtual currency) are mined and distributed, and 21 million are scheduled to be sequentially mined by 2140.

If there is a key word in the description of Bitcoin (the same concept as virtual currency), it is Mining.

Mining is usually a way to get new bitcoins (the same concept as virtual currency). Bitcoin (same concept as virtual currency) The computer (terminal) constituting the network competes to find an operation value that satisfies a specific condition. The process provided is called mining. However, this mining is not only a method of obtaining bitcoin (same concept as virtual currency), but also plays a role of authenticating the transaction of bitcoin (same concept as virtual currency).

Currently, global companies that accept payments in bitcoin (the same concept as virtual currency) include DELL (computer), MicroSoft (software), Expedia (the world's largest online travel agency), and Braintree, a subsidiary of PayPal (payment). The number is growing rapidly. The general franchise status can be found at http://coinmap.org.

The following is the structure of the cryptocurrency (Crypto-Currency).

Crypto-currencies represented by bitcoin (same concept as virtual currency) have a common type of transaction ledger called Blockchain.

As an overview, general users download cryptocurrency wallet programs to their computers. And install it on your computer. Then, as the program runs, it first starts synchronizing (matching) with itself and the blockchain recorded on the network. Since the data is in the tens of gigabytes, it usually takes 3 to 7 days. When the synchronization is over, you can create your own address (the concept of an account in a bank) in your wallet, and receive or send bitcoins (same concept as virtual currency) through that address. In the case of Bitcoin (same concept as virtual currency), the address is a combination of 34 English (upper and lower case) characters starting with 1 and a number (ex, 1MowqQrQJL5AeaDMpX35B6EiJ4qnXPJnFp).

Here, all cryptocurrencies (Crypto-Currency) running in the blockchain system, including bitcoin (same concept as virtual currency), have a pair of keys in the form of'private key-public key (address)' by the user group. have. The public key corresponds to the bank account number and the private key corresponds to the password, which is a pair that only fits each other.

In the case of Bitcoin (same concept as virtual currency) QT program (user personal wallet program), the private key is encrypted using the user password and stored in the member computer.

In the case of a Bitcoin (same concept as a virtual currency) exchange web wallet, the private key is encrypted using the user password or the server's SALT and stored in the server.

In any case, the existing method is to store the private key on the server or the member computer.

In other words, there is a possibility that exchange security-related insiders who know the encryption method decrypt the encrypted private key stored in the server and use it secretly.

When a member searches his/her account through the exchange server, the registered and stored balance in the server database (DB) is displayed. The actual balance on the address is meaningless to the member. The actual transmission of normal bitcoin (the same concept as virtual currency) requires 6 confirmations, which takes about an hour, so it is impossible to buy and sell frequently in a short time with this method.

Looking at this, as shown in Figs. 1 and 2, the transaction system for digital virtual currency having a block chain between parties of the present invention includes a plurality of blockchain holding servers 100, a block chain-based digital virtual currency transaction guide server 200. , A donor terminal 300 and a recipient terminal 400.

First, when the transaction information for digital virtual currency transaction with a block chain is transmitted, a plurality of blockchain holding servers 100 verify the transaction information for digital virtual currency transaction with the transmitted blockchain. As a member with a block chain that authenticates transactions and records transaction information for digital virtual currency transactions with a block chain according to the authentication, it is used for digital virtual currency transactions with the blockchain when transacting digital virtual currency with a blockchain. Devices that form a distributed database based on a peer-topeer network (P2P), that is, a Bitcoin (same concept as a virtual currency) network, that performs digital virtual currency transactions with a blockchain through authentication and recording of the blockchain.

In the configuration that constitutes the block chain holding server 100, the blockchain-based digital virtual currency transaction guide server 200, which will be described later as being operated by the bitcoin (same concept as the virtual currency) exchange, belongs as a member. .

In addition, the propagation of transaction information for digital virtual currency transaction with blockchain is promised by the communication protocol, and when transaction information for digital virtual currency transaction with blockchain is generated, one node (here, the blockchain holding server ) Is propagated to the next 8 nodes designated, and through pyramidal propagation repeatedly propagating to the next 8 nodes designated for each of the 8 nodes that received the transaction information for digital virtual currency transactions with the blockchain. It is completed by propagating to all blockchain holding servers 100 equipped with a blockchain required to perform digital virtual currency transactions having a blockchain.

On the other hand, the blockchain holding servers 100 are equipped with a block chain, and a server (or terminal) operated by a miner who mines digital virtual currency having a block chain, or a user for trading digital virtual currency having a block chain A terminal (for example, a PC or a smartphone) can also be made up of a single member when an electronic wallet with a block chain is installed.

Types of digital virtual currency having a blockchain with such transaction characteristics include Bitcoin (same concept as virtual currency), Litecoin, Darkcoin, Namecoin, Pottery Coin, and Ripple.

The blockchain-based digital virtual currency transaction guidance server 200 generates a recipient recognition URL (A) that guides the recipient of the digital virtual currency with the blockchain to recognize the recipient when the transaction request signal for the donor is transmitted. When the personal information signal for authenticating the recipient is transmitted, the amount information of the blockchain-based digital virtual currency that the donor holds in the electronic wallet is deducted by the amount that the donor wants to give to the recipient, and the amount that the recipient wants to give is deducted, and the recipient's electronic wallet As a member that generates digital virtual currency transaction transaction information consisting of the transaction details accumulated in the blockchain-based digital virtual currency amount information and controls it to be propagated to the blockchain holding servers 100, the donor and the recipient party Performs a function that guides the transaction to be carried out easily through the above-mentioned recipient recognition URL (A) without recognizing the public address consisting of 32 bytes when trading digital virtual currency with blockchain between them. do.

To this end, the blockchain-based digital virtual currency transaction guide server 200 includes information registered when a user signs up for a transaction of a blockchain-based digital virtual currency, and includes a member's ID, password, and a telephone number including an e-communication terminal, Member list information DB (211) in which member information including address is divided and stored for each member, and public address and private key of blockchain-based digital virtual currency opened by a user who signed up as a member And a DB unit 210 having an electronic wallet list information DB 212 in which an electronic wallet including block chain-based digital virtual currency amount information is divided and stored for each member.

Through this, the blockchain-based digital virtual currency transaction information server 200, when a donor transaction request signal is transmitted from the donor terminal 300 to be described later, the donor's personal information included in the donor transaction request signal is stored in member list information. After matching with the DB 211, after confirming that the member is a member, a recipient recognition URL (A) is generated and transmitted to the donor terminal 300, and when the recipient authentication personal information signal is transmitted from the recipient terminal 400 to be described later, the recipient authentication The amount of blockchain-based digital virtual currency stored in the donor's electronic wallet information in the electronic wallet list information DB (212) after matching the personal information of the recipient included in the use details signal with the member list information DB 211 to confirm that he is a member After deducting the amount of information to be donated to the recipient, and accumulating the amount information of the blockchain-based digital cryptocurrency stored in the recipient's electronic wallet information as much as the deducted amount, transaction information for digital cryptocurrency transaction is generated based on this, It performs a function of controlling to be propagated to the blockchain holding servers 100.

As such, the donors and recipients who own the donor terminal 300 and the donor terminal 400 to be described later are subscribed to the blockchain-based digital virtual currency transaction information server 200 as members whose electronic wallets are managed.

The donor terminal 300 generates a donor transaction request signal including the amount information of the digital virtual currency with the block chain to be donated and the donor's personal information, and transmits it to the digital virtual currency transaction information server 200. , The donor-side blockchain-based digital virtual currency transaction app 310 that guides the recipient to be transmitted by designating the recipient recognition URL (A) transmitted from the digital virtual currency transaction information server 200 This is the mounted terminal member.

Here, the donor's blockchain-based digital virtual currency transaction app 310 is an application program, which can be downloaded by accessing the app store through the donor terminal 300 or in the aforementioned blockchain-based digital virtual currency transaction guide server 200. You can directly connect, download, install and use.

Thereafter, when the donor's instant messenger of the donor terminal 300 designates the recipient account of the instant messenger requesting the delivery of the recipient recognition URL (A) through the donor designation guide screen for the donor's instant messenger, the recipient account Transmits the recipient recognition URL (A) to the recipient terminal 400 corresponding to.

Thereafter, the recipient-side instant messenger of the recipient terminal 400 controls the recipient-side instant messenger URL display guide screen in which the transmitted recipient recognition URL (A) is inserted and displayed through the information output unit 401.

Thereafter, when the recipient recognition URL (A) displayed on the recipient's instant messenger of the recipient terminal 400 is clicked, the recipient's blockchain-based digital virtual currency transaction app 410 is automatically executed in connection with this.

The beneficiary's blockchain-based digital virtual currency transaction app 410 of the automatically executed donor terminal 400 generates a personal information signal for recipient authentication that includes the personal information of the recipient who is gifted with a digital virtual currency having a blockchain. This is controlled to be transmitted to the digital virtual currency transaction guide server 200.

Thereafter, the blockchain-based digital virtual currency transaction information server 200, when the personal information signal for the recipient authentication is transmitted from the recipient terminal 400, the recipient's personal information included in the personal information signal for the recipient authentication member list information DB After matching with (211), after confirming that the recipient is a member, the electronic wallet list information DB (212) deducts the amount to be presented to the recipient from the blockchain-based digital virtual currency amount information stored in the donor's electronic wallet information, and then deducts the amount. After accumulating the amount information of the blockchain-based digital cryptocurrency stored in the electronic wallet information of the recipient, the transaction information for digital cryptocurrency transaction with the blockchain is generated based on this, and it is sent to the designated blockchain holding servers 100. It is transmitted.

However, what can be protected in the security or hacking of the cryptocurrency itself is only about a pair of keys in the form of'private key-public key (address)' that can be used by the above-described user group. In order to prevent hacking, it was devised so that it could be done with a QR code matching method.

Here, the following QR code generation method will be first described.

Figure 3 is a block diagram showing the configuration of a QR code generation system utilizing a smartphone application according to the prior invention, Figure 4 is a QR code generation system using a QR code generation system utilizing a smartphone application according to the prior invention It is a flow chart showing the process.

First, a method of generating a QR code in a smartphone will be described with reference to FIGS. 3 to 4 according to Korean Patent Publication No. 10-2012-0105600.

The user first directly downloads the application provided by the service provider (10aa) through a computer or a smartphone using any one of the Internet network, the Wi-Fi network, and the mobile communication network, and the application activation step of activating the downloaded application ( S10) is performed.

After downloading the application through the tenth step (S10), the user performs a customer authentication information providing step (S20) in which the user provides customer authentication information (user data authorization) through the smartphone 20aa.

Through the user information provided through the step 20 (S20), the service provider 10aa performs a reward service card number generation step (S30) of generating a reward service card number based on the customer authentication information.

Through the 30th step (S30), the company generates a card number and performs a card number transmission step (S40) of transmitting the card number to the user's smartphone 20aa.

In step 40 (S40), the identity authentication data transmitted by the user from the smartphone 20aa and the card number data transmitted by the company are encrypted and transmitted in a mutually agreed manner in order to securely protect from exposure and hacking risks.

And, in order to receive a card number, user information is input through a pop-up window (not shown) for card registration provided by the application.

In the pop-up window, enter the user name and resident number, agree to the terms and conditions (personal information collection agreement, service terms and conditions), press the issuance button to approve the data to the company.At this time, in order to cancel issuance of the user card number, Click Cancel to cancel the card issuance.

When the user data is applied as described above, the company generates a card number based on the user data and downloads it to the smartphone 20aa.

A QR code generation step (S50) of generating a QR code based on the data downloaded through the 40th step (S40) is performed.

In the generation of the QR code through the 50th step (S50), the encrypted card number received from the smartphone 20aa is stored in the barcode generation program of the application, and a QR code is generated based on the stored card number.

The QR code smartphone storage step (S60) of storing the QR code generated through the application installed on the smartphone 20aa in the smartphone as described above is performed.

The QR code generated through the above steps can generally be used as a reward service card.

Reference numeral 30aa is a member store, 40aa is a 2D barcode scanner or QR code reader, 5aa is a value-added communication network, and 60aa is a communication network.

The following describes how the user signs up for a new member on his smartphone.

As for the new member registration method above, if you select the name of the new issuing company you want, specify the fields and terms and conditions for identification (name, resident number, mobile phone number, address, etc.) in the registration form set in advance at the request of the company Then, a pop-up window divided into the terms and conditions for the service of the service provider (10aa) is opened.

The user inputs information in the corresponding box, checks the agreement box to the terms and conditions, and transmits the input information in a manner determined by the company name.

The smartphone transmits the information input by the user to the company, and transmits a dedicated card number to the smartphone based on the transmitted content.

At this time, the identity authentication data transmitted from the smartphone 20aa and the card number data transmitted by the company are encrypted and transmitted in a mutually agreed manner in order to securely protect from the risk of exposure and hacking.

Data transmission is usually transmitted through a mobile communication network set by the user, which may be a WI-FI network or 3G or 4G.

In addition, it is assumed that the communication method prescribed by the mobile communication service provider is applied.

The encrypted card number received from the smartphone enters a barcode generation program and performs a job of generating the card number as a QR code image.

A barcode image is located along with the previously selected company image (according to the card issuer's standard), and the generated image is automatically saved in the My Menu in the application.

In addition, the background technology of the present invention is disclosed in Korean Patent Publication No. 2012-0105600 (published on September 26, 2012, a QR code generation system using a smart application and a method of using the same).

However, if there is a fingerprint/finger vein/iris/face recognition device in a smart phone, it can be used for security and hacking prevention by using a living body. However, if there is no such device, the biometric authentication security means cannot be used. I did.

Moreover, although there was a method of generating a QR code (and BAR code) as described above, a technology that can be used for security and hacking prevention by matching it with virtual currency is desperately needed.

Accordingly, it is an object of the present invention to create a digital virtual currency transaction method that transmits digital virtual currency by interlocking with a biometric authentication signal, and a digital virtual currency transaction system having a block chain between parties through an authentication means for virtual currency without an owner. Even if the private key corresponding to the public address and password is lost, the purpose of this is to ensure that there is no problem in the transmission of virtual currency, security, and hacking.

And, even if the device is not equipped with the biometric authentication means, or even if it is installed, the problem of security and hacking is solved without using a separate device by matching the QR code or the BAR code to the file of the virtual currency. It is to provide a solution that can be solved.

In the present invention, the main controller (CPU) 340 for matching the virtual currency with the authentication information of the QR/BAR code using a transaction system for digital virtual currency having a block chain between parties is an encrypted virtual currency 315 and encryption. It consists of a QR/BAR code algorithm (415C), a donor terminal (300C) including a QR/BAR code reader, and a recipient terminal (400C) including a QR/BAR code reader, and cryptocurrency encrypted therein Conversion device 500 for matching the electronic cryptographic source of 315 (including the "file name" or "node" of the virtual currency in which the virtual currency is formed) and the electronic algorithm source 416 of the algorithm 415 of the QR/BAR code ), and a donor-recipient QR/BAR code converter 600 that converts the donor's virtual currency into the donor's virtual currency, and transmits the digital virtual currency by matching the QR (or BAR) code. It is a transmission system of virtual currency.

In addition, the present invention is an electronic cryptographic source 316 provided in the first file 315a (basic unit of cryptocurrency) which is the basic unit of virtual currency linked to the general matching program 340a ("file name in which virtual currency is formed") "Or including "node" of the virtual currency) is converted in the general matching program 340a, and the electronic algorithm source 416 provided in the QR/BAR code algorithm 415C is converted in the general matching program 340a , Transmission of digital virtual currency by matching and transmitting digital virtual currency with QR (or BAR) code, characterized in that they can be fused by matching program 344 so that they can be traded as a basic unit of transmission. That's the way.

As described above, the present invention creates a digital virtual currency transaction method in which digital virtual currency is interlocked with a biometric authentication signal and transmits a digital virtual currency transaction system having a block chain between parties through an authentication means for virtual currency without an owner. Even if the private key corresponding to the public address and password is lost, there is an effect of preventing the transmission of virtual currency, security, and hacking.

And, even if the device is not equipped with the biometric authentication means, or even if it is installed, the security and hacking of the device without using a separate biometric recognition device only by matching the QR code or BAR code to the file of virtual currency There is an effect that can solve the problem.

1 is an overall configuration diagram showing a transaction system for digital virtual currency having a block chain between parties of the prior invention;
FIG. 2 is a block diagram showing a DB unit mounted on a block chain-based digital virtual currency transaction guide server among the configurations of a digital virtual currency transaction system having a block chain between parties of the prior invention;
Figure 3 is a block diagram showing the configuration of a QR code generation system using a smartphone application according to the prior invention.
Figure 4 is a flow chart showing a process of generating a QR code using a QR code generation system utilizing a smartphone application according to the prior invention.
5 is a block diagram of matching a virtual currency with fingerprint/finger vein authentication information using a digital virtual currency transaction system having a block chain between parties of the present invention.
6 is another block diagram of FIG. 5 showing a transaction process of digital virtual currency having a block chain between parties by using the transaction system of digital virtual currency having a block chain between parties of the present invention.
7 is a block diagram of matching virtual currency with iris/face authentication information using a digital virtual currency transaction system having a block chain between parties of the present invention.
FIG. 8 is another block diagram of FIG. 7 showing a transaction process of digital virtual currency having a block chain between parties by using the transaction system of digital virtual currency having a block chain between parties of the present invention.
9 is a block diagram of matching virtual currency with QR/BAR code authentication information by using a digital virtual currency transaction system having a block chain between parties of the present invention.
FIG. 10 is another block diagram of FIG. 9 showing a transaction process of a digital virtual currency having a block chain between parties by using the transaction system of a digital virtual currency having a block chain between parties of the present invention.
FIG. 11 is a flowchart of FIG. 9 showing a transaction process of a digital virtual currency having a block chain between parties using the transaction system of a digital virtual currency having a block chain between the parties of the present invention.
12 is a schematic configuration diagram of a system for executing a communication service and payment method using a recipient (wireless communication) terminal according to the present invention.
13 is a flow chart for explaining the payment service subscription step in FIG. 12 in more detail.
14 is a flow chart for explaining in more detail the payment means providing step in FIG. 12.

Hereinafter, the present invention will be described in detail so that those skilled in the art can easily understand and reproduce the present invention through preferred embodiments of the present invention described with reference to the accompanying drawings.

Since the meaning of use may be included with the meaning of each use of the term "or", the term includes the concept of "or/and" in some cases.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to FIGS. 5 and 6.

5 is a block diagram of matching a virtual currency with fingerprint/finger vein authentication information using a digital virtual currency transaction system having a block chain between parties of the present invention, and FIG. 6 is a digital diagram having a block chain between parties of the present invention. Another block diagram of FIG. 5 showing a transaction process of digital virtual currency having a block chain between parties using a virtual currency transaction system

The main controller (CPU) 340 shown in the block diagram for matching the virtual currency with biometric authentication information using the transaction system of digital virtual currency having a block chain between parties of the present invention in FIG. 5 is encrypted as described above. A donor terminal 300 including a virtual currency 315, an encrypted fingerprint/finger vein algorithm 415 as described above, a fingerprint/finger vein recognizer, and a recipient terminal including a fingerprint/finger vein recognizer ( 400) and the electronic cryptographic source of the encrypted virtual currency 315 (including the "file name" or the "node" of the virtual currency in which the virtual currency is formed) and the fingerprint/finger vein algorithm 415 It consists of a conversion device 500 for matching the algorithm source, and a donor-recipient fingerprint/finger vein conversion device 600 that converts the donor's virtual currency into the donor's virtual currency.

Overall matching in another block diagram of FIG. 5 showing the transaction process of digital virtual currency having a block chain between the parties using the transaction system of digital virtual currency having a block chain between the parties of the present invention in FIG. 6 The electronic cryptographic source 316 provided in the first file 315a (basic unit of cryptocurrency), which is the basic unit of virtual currency linked to the program 340a, is converted in the general matching program 340a, and fingerprint/designation The electronic algorithm source 416 provided by the MAC algorithm 415 is converted in the general matching program 340a, so that they can be fused by the matching program 344 so that they can be traded as a basic unit of transmission. will be.

Non-explanatory symbols 315b and 315c denote the number of second and third files of virtual currency following the first file, which is the basic unit of the virtual currency.

Of course, in order to transmit a large amount, it is desirable to create and operate a batch payment program.

The following describes a technology for matching virtual currency with iris/face authentication information using a digital virtual currency transaction system.

7 is a block diagram of matching virtual currency with iris/face authentication information using the transaction system of digital virtual currency having a block chain between parties of the present invention, and FIG. 8 is a digital virtual currency having a block chain between parties of the present invention. It is another block diagram of FIG. 7 showing the transaction process of digital virtual currency having a block chain between parties using a currency transaction system.

The main controller (CPU) 340 shown in the block diagram for matching the virtual currency with iris/face authentication information using the transaction system of digital virtual currency having a block chain between parties of the present invention in FIG. 7 is as described above. An encrypted virtual currency 315, an encrypted iris/face algorithm 415b as described above, a donor terminal 300b including an iris/face recognizer, and a recipient terminal 400b including an iris/face recognizer ) And the electronic cryptographic source of the cryptocurrency 315 encrypted therein (including the "file name" or the "node" of the cryptocurrency in which the cryptocurrency is formed) and the electronic algorithm source of the iris/face algorithm 415b It consists of a conversion device 500 for matching and a donor-recipient iris/face conversion device 600b that converts the donor's virtual currency into the donor's virtual currency.

Overall matching in another block diagram of FIG. 7 showing a transaction process of digital virtual currency having a block chain between parties using the transaction system of digital virtual currency having a block chain between the parties of the present invention in FIG. 8 The electronic cryptographic source 316 provided in the first file 315a (basic unit of cryptocurrency), which is the basic unit of the virtual currency linked to the program 340a, is converted in the general matching program 340a, and the iris/face The electronic algorithm source 416 provided by the algorithm 415b is converted in the general matching program 340a, so that they can be fused by the matching program 344 so that they can be traded as a basic unit of transmission. .

Non-explanatory symbols 315b and 315c denote the number of second and third files of virtual currency following the first file, which is the basic unit of the virtual currency.

Of course, in order to transmit a large amount, it is desirable to create and operate a batch payment program.

Hereinafter, embodiments of the present invention will be described in detail with reference to FIGS. 9 and 10.

9 is a block diagram of matching virtual currency with QR/BAR code authentication information using the transaction system of digital virtual currency having a block chain between parties of the present invention, and FIG. 10 is a digital diagram having a block chain between parties of the present invention. Another block diagram of FIG. 9 showing a transaction process of digital virtual currency having a block chain between parties using a virtual currency transaction system, and FIG. 11 is a diagram of a digital virtual currency having a block chain between the parties of the present invention. 9 is a flow chart showing the transaction process of digital virtual currency having a block chain between parties using a transaction system.

The main controller (CPU) 340 shown in the block diagram for matching the virtual currency with biometric authentication information using the transaction system of digital virtual currency having a block chain between parties of the present invention in FIG. 9 is encrypted as described above. A donor terminal (300C) including a virtual currency 315, an encrypted QR/BAR code algorithm 415C as described above, a QR/BAR code reader, and a recipient terminal including a QR/BAR code reader ( 400C) and the electronic cryptographic source of the cryptocurrency 315 encrypted therein (including the "file name" or the "node" of the cryptocurrency in which the virtual currency is formed) and the QR/BAR code algorithm 415C. It consists of a conversion device 500 for matching the algorithm source, and a donor-recipient QR/BAR code conversion device 600C that converts the donor's virtual currency into the donor's virtual currency.

Overall matching in another block diagram of FIG. 9 showing the transaction process of digital virtual currency having a block chain between parties using the transaction system of digital virtual currency having a block chain between the parties of the present invention in FIG. 10 The electronic cryptographic source 316 provided in the first file 315a (basic unit of cryptocurrency), which is the basic unit of the virtual currency linked to the program 340a, is converted in the general matching program 340a, and QR/BAR The electronic algorithm source 416 provided in the code algorithm 415C is converted in the general matching program 340a, so that they can be fused by the matching program 344 so that they can be traded as a basic unit of transmission. will be.

Non-explanatory symbols 315b and 315c denote the number of second and third files of virtual currency following the first file, which is the basic unit of the virtual currency.

In the signal conversion method as described above, signal information formed by binary data determined according to the presence or absence of each distinct pixel pattern of the QR/BAR code may be fused with each other by a conversion device to generate a new signal.

Of course, in order to transmit a large amount, it is desirable to create and operate a batch payment program.

In addition, in FIG. 11, since the same matters as those of the conventional transmission method are used as they are, it will be described as an essential component of the present invention.

In the reference numerals, reference numerals of technical content identical to those of the prior art are used identically.

First, when the donor terminal 300 executes the donor-side blockchain-based digital virtual currency transaction app 310 mounted according to the donor's selection (S110), the executed donor-side blockchain-based digital virtual currency transaction app 310 controls a block chain-based digital virtual currency transaction screen that is stored and managed to be output and displayed (S120) through the information output unit of the donor terminal 300.

At this time, in order to prevent the exposure of all information, whether the electronic cryptographic source of the virtual currency (including the "file name" or the "node" of the virtual currency) and the electronic algorithm source of the QR/BAR code are matched. It is requested by the QR/BAR code authentication means. Here, it is determined whether the virtual currency and the QR/BAR code authentication information are matched (S130a).

If the above conditions are not satisfied, the transaction is terminated, and after that, the donor terminal 300 displays an amount display column, an instant messenger selection column, and a text input column on the blockchain-based digital virtual currency transaction screen displayed through the information output unit. When the transfer menu is clicked in the state that it is entered according to the input form in the donor side, the amount information and selection of the digital virtual currency entered on the blockchain-based digital virtual currency transaction screen through the donor's blockchain-based digital virtual currency transaction app 310 The IM identification information and the stored and managed donor's personal information are collected to generate a donor transaction request signal and transmit it to the blockchain-based digital virtual currency transaction information server 200 (S130).

Thereafter, the blockchain-based digital virtual currency transaction information server 200 transmits the donor transaction request signal from the donor terminal 300, and stores the donor's personal information included in the donor transaction request signal as a member list information DB 211 After matching with, after confirming that the member is a member, a recipient recognition URL (A) that guides the recipient to recognize the recipient who is gifted with a digital virtual currency with a blockchain is generated and transmitted to the donor terminal 300 (S140).

Thereafter, when the donor terminal 300 transmits the donor recognition URL (A) from the blockchain-based digital virtual currency transaction information server 200 through the donor's blockchain-based digital virtual currency transaction app 310, the selection IM In the state that the donor's instant messenger corresponding to the identification information is automatically executed, the donor's instant messenger URL (A) is inserted in the automatically executed donor's instant messenger. Control to be output (S150).

Thereafter, the donor terminal 300 designates the donor account of the instant messenger requesting the delivery of the recipient recognition URL (A) through the donor's instant messenger through the donor designation guide screen for the donor's instant messenger. The recipient recognition URL (A) is transmitted to the recipient terminal 400 corresponding to the account (S160).

Thereafter, the recipient terminal 400 controls the recipient-side instant messenger URL display guide screen in which the recipient recognition URL (A) transmitted through the recipient-side instant messenger is inserted and displayed through the information output unit 401 (S170). do.

Thereafter, when the recipient recognition URL (A) displayed on the recipient's instant messenger is clicked, the recipient terminal 400 automatically executes the recipient's blockchain-based digital virtual currency transaction app 410 (S180) in connection with this. .

The donor terminal 400 generates a personal information signal for the recipient authentication that includes the personal information of the recipient who receives the digital virtual currency with the blockchain through the automatically executed recipient-side blockchain-based digital virtual currency transaction app 410 And it controls to be transmitted to the digital virtual currency transaction guide server 200 (S190).

Thereafter, the blockchain-based digital virtual currency transaction information server 200, when the personal information signal for the recipient authentication is transmitted from the recipient terminal 400, the recipient's personal information included in the personal information signal for the recipient authentication member list information DB After matching with (211), after confirming that the recipient is a member, the electronic wallet list information DB (212) deducts the amount to be presented to the recipient from the amount information of the blockchain-based digital virtual currency stored in the electronic wallet information of the donor, and deducts the amount. After accumulating the amount information of the blockchain-based digital cryptocurrency stored in the electronic wallet information of the recipient, the transaction information for digital cryptocurrency transaction with the blockchain is generated based on this, and it is sent to the designated blockchain holding servers 100. Transmit (S200).

At this time, the blockchain-based digital virtual currency transaction guide server 200 includes an electronic cryptographic source of the virtual currency (including the "file name" or the "node" of the virtual currency) and the electronic algorithm source of the QR/BAR code. It determines whether there is a request to convert the donor of the matched virtual currency into a recipient by the authentication signal of the QR/BAR code, and performs the donor-recipient's QR/BAR code authentication information conversion step (S210a) to convert the information do.

Thereafter, when the designated individual blockchain holding server 100 transmits the transaction information for digital virtual currency transaction with the blockchain, it verifies the transaction information for digital virtual currency transaction with the transmitted blockchain. The transaction is authenticated by authenticating the cryptocurrency transaction, and recording transaction information for digital cryptocurrency transaction with a block chain (S210) according to the authentication.

Thereafter, the blockchain-based digital virtual currency transaction information server 200 transmits a message to the donor terminal 300 indicating that a digital virtual currency having a blockchain has been paid to the donor.

Thereafter, when a message is transmitted from the blockchain-based digital virtual currency transaction information server 200 through the donor's blockchain-based digital virtual currency transaction app 310, the donor terminal 300 is a donor corresponding to the selected IM identification information. In a state where the instant messenger of the donor is automatically executed, a payment confirmation guide screen for the donor's instant messenger that is displayed with a message inserted in the automatically executed donor's instant messenger is output through the information output unit.

In addition, when a message is transmitted from the blockchain-based digital virtual currency transaction information server 200 through the donor's blockchain-based digital virtual currency transaction app 410 on the recipient's side, the donor terminal 400 automatically executes an instant messenger on the recipient's side. In a controlled state, a message is inserted into the automatically executed recipient's instant messenger, and the accumulated storage guide screen for the recipient's instant messenger is displayed through the information output unit.

Another bitcoin (same concept as virtual currency) is a blockchain structure that collects and encrypts transmission records made in the network, and is a cryptocurrency (crypto-currency) that does not have a subject of currency issuing. In the transaction method of Bitcoin (same concept as currency), by executing a program mounted on a computer constituting the Bitcoin (same concept as virtual currency) network, it authenticates the transaction of Bitcoin (same concept as virtual currency) Mining and obtaining the same concept as virtual currency); A cryptocurrency exchange when executing a program installed on a computer and trading bitcoins (same concept as virtual currency) obtained by mining and purchasing for the transaction of bitcoin (same concept as virtual currency) as a program executed by a computer Generating a web wallet address of a member's exchange on a cryptocurrency exchange server by executing a member server equipped with a program provided by the server or a program mounted on the member computer; Bitcoin (same concept as virtual currency) transaction through a cryptocurrency exchange server equipped with a database (DB) that stores the transaction details of bitcoins (same concept as virtual currency) transacted by executing a program installed on the member server or member computer Generating an address of an exchange general wallet for a cryptocurrency exchange server; And generating the member's exchange address stored in the cryptocurrency exchange server in order to trade bitcoin (same concept as the virtual currency) by executing a program mounted on the member server or the member computer.

At this time, the donor's biometric authentication is requested by the QR/BAR code authentication means for identity authentication before transmitting the bitcoin (the same concept as the virtual currency), and in this case, determining whether the QR/BAR code has been authenticated; At this time, the QR/BAR code authentication means whether or not it matches the electronic cryptographic source of the virtual currency (including the "file name" or the "node" of the virtual currency) and the electronic algorithm source of QR/BAR COEM. It is requested by the step of determining whether the virtual currency and the QR/BAR code authentication information are matched; Created on the cryptocurrency exchange server from the member's exchange web wallet address created on the cryptocurrency exchange server to expedite bitcoin (same concept as virtual currency) transactions by executing a program installed on the member server or member computer. Transmitting bitcoin (same concept as virtual currency) to an exchange general wallet address; While the program installed on the cryptocurrency exchange server is running, transfer of bitcoins (same concept as the virtual currency) from the member's own exchange web wallet address created on the cryptocurrency exchange server to the exchange general wallet address created on the exchange server. And confirming.

At this time, if it is confirmed that bitcoin (same concept as virtual currency) has been transmitted, execute the program installed on the cryptocurrency exchange server and store it as the member's exchange address, not the actual bitcoin (same concept as the virtual currency). Depositing and processing bitcoins (same concept as virtual currency) by changing a numerical value on a database mounted on a cryptocurrency exchange server; And when a transaction of bitcoin (same concept as a virtual currency) is completed due to a numerical change in the database mounted on the cryptocurrency exchange server, a bitcoin (virtual currency) comprising the step of offsetting the pre-deposited portion without deposit processing into the member's database The same concept as money) is about the transaction method.

At this time, if necessary, the donor of the virtual currency matched with the electronic cryptographic source of the virtual currency (including the "file name" or the "node" of the virtual currency in which the virtual currency is formed) and the electronic algorithm source of the QR/BAR code is QR/BAR. It is possible to perform a step of converting the donor-recipient's QR/BAR code authentication information to determine whether there is a request to convert to the recipient by the authentication signal of the code, and to convert the information.

The following describes a method of applying a QR code applied to the system or method of the present invention.

12 is a schematic configuration diagram of a system for executing a communication service and payment method using a recipient (wireless communication) terminal according to the present invention, and FIG. 13 is for explaining the payment service subscription step in FIG. 12 in more detail. It is a flow chart, and FIG. 14 is a flow chart for explaining the payment method providing step in FIG. 12 in more detail.

The present invention relates to a communication service and payment method using a donor (wireless communication) terminal, wherein a communication management and payment management system transmits a QR (BAR) code to a donor (wireless communication) terminal of a payment service subscriber, Step of storing the QR (BAR) code by a recipient (wireless communication) terminal and displaying a QR (BAR) code according to the selection of a payment service subscriber, and a QR (BAR) code displayed on the recipient (wireless communication) terminal. Including the step of reading the QR (BAR) code lookup machine and querying the communication management and payment management system to service and pay, log-in the app while maintaining security by unifying the work of the communication service provider and the purchase and sales service provider. By making it possible to do so, there is an effect of prohibiting illegal use by others.

12 is a schematic configuration diagram of a system for executing a communication service and payment method using a recipient (wireless communication) terminal according to the present invention, a recipient terminal 30, a QR (BAR) code lookup device 120, and , A communication management and payment management system 130, wherein the recipient terminal 30 and the communication management and payment management system 130 are connected to each other through a wireless communication network 140, and a QR (BAR) code checker ( 120) and the communication management and payment management system 130 are connected to each other through a wired/wireless communication network.

The payment method refers to a financial transaction settlement method by QR (BAR) code (hereinafter, the same applies).

Communication management and payment management system 130 of the present invention is a payment service subscriber's unique QR (BAR) through a wireless communication network 140, preferably a SMS network (Shot Message Service network) to the recipient terminal 30 of the payment service subscriber. ) To transmit a code, and to perform a communication service or payment service based on the QR (BAR) code input from the QR (BAR) code lookup machine 120, and the server 131 of the communication service and payment management system It is configured to include a communication service database 133 or a payment service database 135 connected thereto.

The server 131 of the communication management and payment management system includes an operating program for operating the communication management and payment management system 130, and the communication service database 133 includes various data for managing wireless communication service subscribers. Is stored, and various data for managing a payment service subscriber are stored in the payment service database 135.

The recipient terminal 30 receives the QR (BAR) code transmitted from the communication management and payment management system 130, stores it in a designated memory, and displays the QR (BAR) code stored in the memory when a payment mode is selected. To be displayed on.

In addition, the QR (BAR) code lookup machine 120 reads the QR (BAR) code displayed on the display device of the recipient terminal 30 as described above, and inquires and pays the communication management and payment management system 30 It is supposed to make a request.

The operation and effect of the communication service and payment method using the recipient (wireless communication) terminal according to the present invention executed in the system configured as described above will be described in detail.

First, as shown in the drawing, as a payment service subscription application step, the recipient terminal 30 applies for a wireless communication service subscription to the communication management and payment management system 130 in accordance with the wireless communication service subscriber's request for a payment service subscription. (S311) At this time, the wireless communication service subscriber requests a payment service subscription by creating various personal information including the phone number and credit information of the recipient (wireless communication) terminal.

Subsequently, as a step of determining whether the recipient terminal is registered, the communication management and payment management system 130 determines whether the recipient terminal 30 of the payment service subscription applicant is registered in advance, and if not registered in advance, the payment service subscription procedure is terminated. (S312, S313)

And, as a payment service subscriber file creation step, the communication management and payment management system 130, if the recipient terminal 30 is registered in advance, the personal information written in the recipient terminal 30 by the payment service subscription applicant Based on the payment management database 135, a payment service subscriber file is created (S314).

Then, as a QR (BAR) code generation and transmission step, the communication management and payment management system 130 generates QR (BAR) code information and transmits it to the recipient terminal 30 through the SMS network 140. (S315, S316)

Next is a payment method providing step, as shown in the drawing, as a step of receiving and storing QR (BAR) code information, wherein the recipient terminal 30 receives QR (BAR) code information through the SMS network 140 Store in memory (S321, S322)

Subsequently, as a password input step, when the payment service subscriber selects the QR use (payment) mode by manipulation of the payment service subscriber, the recipient terminal 30 displays a message prompting the user to input the password on the display device (S323).

And, as a password input step, the payment service subscriber operates the recipient terminal 30 to input the password (S324 to S325).

In this case, the password is registered in advance by the payment service subscriber in the recipient terminal 30, and if the passwords do not match, the recipient terminal 30 does not display QR (BAR) code information and the password does not match. Display a warning (S327)

In the step of displaying QR (BAR) code information, when the password is matched, the recipient terminal 30 displays QR (BAR) code information stored in the memory on the display device (S326).

Here, in the case of online or offline financial payment during financial transactions, simple payment can be made using the QR (BAR) code (S331).

Then, as a QR (BAR) code inquiry step, when the QR (BAR) code information stored in the memory is displayed on the display device in the QR (BAR) code information display step, the QR (BAR) in the recipient terminal 30 ) The code lookup machine 120 can read the displayed QR (BAR) code information to query the QR (BAR) code in the communication management and payment management system 130.

Next, as a communication service and payment method execution step, the communication management and payment management system 130 changes the donor's QR (BAR) code to the donor's QR (BAR) code in the virtual currency transaction procedure at the donor terminal. It checks whether there is a request, receives a change approval message from the recipient terminal indicating that it has been received, and takes the procedure to authenticate it (S328, S329).

Thereafter, the donor terminal goes through a step (S330) of changing the QR (BAR) code held by the donor to the QR (BAR) code held by the recipient.

The present invention has been described with reference to the embodiments shown in the drawings, but these are only exemplary, and those of ordinary skill in the field to which the present technology belongs, various modifications and equivalent other embodiments are possible. I will understand.

120: QR(BAR) code inquiry machine
130: Communication management and payment management system
135: database
140: wireless communication network
300: donor terminal
400: donor terminal

Claims (2)

The main controller (CPU) 340 that matches the virtual currency with the authentication information of the QR/BAR code using the transaction system of digital virtual currency having a block chain between parties is an encrypted virtual currency 315 and an encrypted QR/ Comprised of a BAR code algorithm (415C), a donor terminal (300C) including a QR/BAR code reader, and a recipient terminal (400C) including a QR/BAR code reader, and cryptocurrency 315 encrypted therein A conversion device 500 that matches the electronic cryptographic source (including the "file name" or "node" of the virtual currency in which the virtual currency is formed) and the electronic algorithm source 416 of the algorithm 415 of the QR/BAR code, A digital virtual currency that matches a QR (or BAR) code and transmits a digital virtual currency, characterized in that it consists of a donor-recipient QR/BAR code conversion device 600 that converts the donor's virtual currency into the donor's virtual currency. Transmission system
The electronic cryptographic source 316 provided in the first file 315a (basic unit of cryptocurrency), which is the basic unit of the cryptocurrency linked to the general matching program 340a (the "file name" in which the virtual currency is formed, or the cryptocurrency (Including "node") is converted in the general matching program 340a, and the electronic algorithm source 416 provided in the QR/BAR code algorithm 415C is converted in the general matching program 340a, and these are converted in the matching program 340a. 344) so that it can be fused as a basic unit of transmission so that it can be traded. A transmission method of digital virtual currency that matches and transmits a digital virtual currency with a QR (or BAR) code.

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