KR20200124182A - Distributed application and system for managing personal financial goods based on block chain using the same - Google Patents

Abstract

The present invention discloses a blockchain-based personal financial product management system and, more specifically, to a distributed application preventing a unilateral change by a financial company without sufficient review and consent of a subscriber for terms and conditions of a financial product and allowing a subscriber to directly manage and supervise a financial product, and a blockchain-based personal financial product management system. Therefore, the system has the effect of minimizing a dispute arising from an unreasonable change in terms and conditions by a financial company to a subscriber.

Description

Distributed application and blockchain-based personal financial product management system including it {DISTRIBUTED APPLICATION AND SYSTEM FOR MANAGING PERSONAL FINANCIAL GOODS BASED ON BLOCK CHAIN USING THE SAME}

The present invention relates to a blockchain-based personal financial product management system, and in particular, to prevent unilateral change processing by a financial company without the subscriber's sufficient review and consent of the terms and conditions for financial products, and to allow the subscriber to directly manage and supervise it. It relates to a distributed application and a personal financial product management system based on a blockchain including the same.

In general, the representative service that insurance companies can provide is to pay a certain amount in advance in case of certain events that may occur in the future, such as accidental accidents or illness, and a certain amount according to the contracted conditions. It can be said to provide an insurance product that pays. Representative of these insurance products are life insurance and non-life insurance.

Life insurance is an insurance for the purpose of paying insurance money for damage to a person's life or body, and non-life insurance is an insurance for the insurer to compensate for the insured's property damage caused by an accident.

For various issues that will arise in the future, such as insurance, financial companies such as insurance companies and customers must stipulate the terms and conditions of the contract between the contracting parties as'Terms and Conditions' to ensure the fulfillment of their promises. It will be sold after deliberation from the state agency in advance. These terms and conditions must be handed over to the subscriber, one of the contracting parties, to be recognized as a normal contract, and breach of this will cause the contract to be invalidated or terminated.

In other words, insurance terms and conditions can be regarded as general and formal contract terms that constitute the contents of insurance contracts prepared in advance by the insurer for multiple contracts.

Due to the characteristics of these products, it is an essential obligation to issue related terms and conditions in the insurance contract process, and conventionally, product terms and conditions are usually printed on paper, produced in the form of a booklet, and distributed to subscribers.

However, in terms of services such as insurance, the contents of insurance terms and conditions provided to customers are made up of many provisions, and many difficult terms are mixed, making it very difficult for general customers without legal knowledge to read and understand the contents. Even if you read it, it is impossible to accurately grasp its meaning. This causes problems such as'incomplete sales' of insurance products.

In particular, when an insurance company unilaterally changes the contents of the main coverage defined in the terms and conditions, damages such as failure to receive the guarantees expected at the time of signing up the minimum insurance product have been reported because the subscriber does not accurately understand the contents.

Therefore, there is a need for subscribers to thoroughly manage and supervise the insurance companies so that they cannot unilaterally change the contents of the terms and conditions, but it is difficult for general subscribers without specialized knowledge to cope with this situation.

On the other hand, due to the growth of the Internet and mobile industries along with such a situation in the insurance industry, a blockchain technology has been proposed that enables data management in a peer-to-peer rather than centralized manner.

Distributed Ledger, the most important component of such a blockchain, is a core technology that makes the blockchain a decentralized system, and a database that stores data such as transaction records is not owned by a centralized server. It refers to a form in which all nodes participating in the chain network own and manage the same ledger.

Since the release of bitcoin based on the blockchain in 2009, these blockchain technologies have been used not only for electronic money systems such as Bitcoin, but also platform services for smart contracts, cloud storage services, and blockchain computing. Application is being attempted in various fields such as services, and in particular, it is drawing attention in the future fintech field where data tampering prevention is important because it can guarantee the immutability and verification of data.

Unexamined Patent Publication No. 10-2019-0010707 (Publication date: 2019.01.30.)

The present invention is a distributed application that enables subscribers to directly manage and supervise financial products, especially insurance products that require long-term service provision based on terms and conditions, using blockchain technology, and a blockchain-based personal financial product management system including the same. There is a challenge to provide.

In order to solve the above problem, the present invention The blockchain-based personal financial product management system according to a preferred embodiment runs a distributed application to participate in a blockchain network, a plurality of subscriber terminals used by subscribers, and a financial company operated by a financial company that sells financial products to the subscribers. The server, the Financial Supervisory Service server operated by the Financial Supervisory Service, which supervises the financial products generated according to the agreement between the subscriber and the financial company, and the subscriber terminal, the Financial Supervisory Service server, and the financial company server each participate as independent peers, and participate in transactions related to the financial products. A blockchain network that executes a chain code for and records an authenticated transaction in a block, wherein the subscriber terminal connects to the blockchain network to transmit and receive data, and participate as a peer of the blockchain network. The requesting network participant, the transaction requesting part that issues a transaction related to the financial product subscribed by the particle, submits the transaction to the blockchain network, and requests execution of the chain code, and the transaction requesting the change of terms and conditions of the financial product from the blockchain network. When an agreement is requested, the terms and conditions approval unit that responds to authentication or non-authentication according to the subscriber's input, insurance management unit and financial products that provide information management functions including requesting subscription, change or cancellation of financial products to the blockchain network. It includes a terminal database that stores product information and terms and conditions information, and the financial company server connects to the blockchain network through an information and communication network to transmit and receive data, a server communication unit, and a transaction for managing financial products subscribed to by subscribers. Service processing unit that issues, submits a transaction issued to the blockchain network, and requests execution of chaincode, insurance management unit that handles management procedures including issuance, renewal or termination procedures for financial products by referring to the latest block, finance According to the input of the server database storing product information about the product and the financial company, the blockchain network requests the issuance of a transaction for changing the terms, and the transaction for changing the terms cannot be agreed on in the blockchain network, and the grace period is too short. If excessive, it includes a terms and conditions change unit that requests the reissue of the terms and conditions change transaction to the blockchain network, and the blockchain network proceeds with an agreement procedure for the terms and conditions change transaction in a majority method or a weight method, and authentication in the case of the majority method. When a majority of the plurality of peers participating in the group authenticates the terms and conditions change transaction, it is determined as agreed, and in the case of the weighting method, a different weight is set for each of the plurality of peers participating in the authentication group, and one that authenticates the terms and conditions change transaction. If the sum of the weights set for the above peers is more than a certain value, it can be determined as agreed.

When the agreement procedure for the terms and conditions change transaction is performed in the weighted manner, one of a plurality of peers may be connected to the financial supervisory service server whose weight is set to a value corresponding to the agreement.

The chaincode may reduce the number of peers participating in the authentication group from the present when the same terms and conditions change transaction is re-executed two or more times.

The financial company server holds one or more financial products, and at the request of a member management unit that manages member information for subscribers who have subscribed to a member, and an electronic financial product certificate for financial products whose contracts are normally maintained. It may further include an issuing unit for issuing insurance certificates.

According to an embodiment of the present invention, it is not a centralized platform, but a P2P blockchain technology-based blockchain network, and processes transactions related to financial products through distributed applications installed in each subscriber terminal, and records the details. By storing it in the distributed ledger, it provides a stable financial product management system in which the details cannot be forged or altered arbitrarily, and when the terms and conditions are changed, the financial company arbitrarily participates as an endorser that guarantees permission according to the subscriber's input. It cannot be changed, and a system can be provided that allows changes to the terms and conditions only by agreement of the subscriber.

Therefore, there is an effect of minimizing disputes arising from unreasonable changes in terms and conditions of financial companies to subscribers.

1 is a diagram of the overall structure of a personal financial product management system based on a blockchain including a distributed application according to an embodiment of the present invention.
2 is a diagram of a distributed application executed in a subscriber terminal according to an embodiment of the present invention.
3 is a diagram of a financial institution server of a block chain-based personal financial product management system according to an embodiment of the present invention.
4 is a diagram illustrating a general transaction processing method of a personal financial product management system based on a block chain according to an embodiment of the present invention.
5 is a diagram illustrating a method of processing a condition change transaction in a block chain-based personal financial product management system according to an embodiment of the present invention.

When a part of the specification says that a certain component is "equipped" or "included", it means that other components may be further included instead of excluding other components unless otherwise stated. In addition, terms such as "...unit", "...server" and "...system" described in the specification refer to units that process one or more functions or operations. It means, and this may be implemented in hardware, software, or a combination of hardware and software.

In addition, in the present specification, the term “an embodiment” means serving as an illustration, example, or illustration, but the subject of the invention is not limited by such an example. In addition, "comprising", "having", "having" and other similar terms are used, but when used in the claims, "included" as an open transition word that does not exclude any additional or other elements. It may be used generically in a manner similar to the term "comprising".

The various techniques described herein may be implemented with hardware or software, or, where appropriate, with a combination of both. As used herein, terms such as "...unit", "...server" and "...system" are likewise computer-related entities, i.e. hardware , It can be treated as a combination of hardware and software, software or equivalent to software at the time of execution. In addition, each function executed in the program of the present invention may be configured in a module unit, and may be recorded in one physical memory, or distributed between two or more memories and a recording medium.

Hereinafter, a distributed application according to a preferred embodiment of the present invention and a blockchain-based personal financial product management system including the same will be described with reference to the drawings.

1 is a diagram of the overall structure of a personal financial product management system based on a blockchain including a distributed application according to an embodiment of the present invention.

Referring to FIG. 1, in a blockchain-based personal financial product management system including a distributed application according to an embodiment of the present invention, a distributed application for participating in a blockchain network is executed, and a plurality of subscriber terminals ( 10), a financial institution server 300 operated by a financial company that sells financial products to subscribers, a financial supervisory service server 400 and a subscriber terminal 10 operated by the financial supervisory service supervising financial products generated according to an agreement between the subscriber and the financial company , The financial supervisory service server 400 and the financial institution server 300 are independent peers, each participating as peer A, peer B, and peer C, respectively, and execute chain codes for transactions related to financial products and record the authenticated transaction in a block Blockchain network 200 may be included.

In particular, the orderer 250 of the block chain-based personal financial product management system of the present invention, except for the peer C of the financial company server 300, if agreed by peers participating in the authentication group, the terms and conditions change transaction to the block It is characterized by recording.

The subscriber terminal 10 is a terminal possessed by a customer of a financial product for participating as a node in the blockchain network 200 of the present invention, submitting a transaction, and managing transaction details in the form of a distributed ledger. Through the user authentication process, the user participates in the blockchain network 200 to record transactions related to financial products or other contents to be recorded in a block.

In particular, the distributed application installed and executed in the subscriber terminal 10 is connected to a peer of the blockchain network 200 when a transaction is requested to be generated according to the operation of the subscriber and participates in the blockchain network 200 You can call the query function of the code and record data related to financial products that are authorized for guarantee in the distributed ledger. Information recorded in the distributed ledger includes details of insurance payments, amount, cumulative payments, and insurance expiration date.

As the subscriber terminal 10 described above, PCS (Personal Communication System), GSM (Global System for Mobile Communications), PDC (Personal Digital Cellular), PHS (Personal Handyphone System), PDA (Personal Digital Assistant), IMT (International Mobile Telecommunication) )-2000, CDMA (Code Division Multiple Access)-2000, W-CDMA (W-Code Division Multiple Access), Wibro (Wireless Broadband Internet) terminal, smartphone, smartpad, tablet PC All kinds of handheld-based wireless communication devices such as PC) and computing devices such as stationary PCs and notebooks can be used, and the distributed application is implemented in the form of a computer program and is written to a recording medium capable of reading and writing. It can be recorded and loaded into the terminal.

The blockchain network 200 consists of one or more distributed ledgers and a small number of peers in which chain codes are stored, and the chain codes can be executed by CLI commands.

Such a blockchain network 200 may be a fabric network built by a financial company, and register a number of subscribers who are required to participate by administrator authority to change network settings, and request participation by distributed applications ( A peer is created by sending a join request) to obtain access rights.

Here, each peer 210 participating in the corresponding blockchain network 200 stores a ledger, installs a chain code on each peer 210, and notifies the interface to other peers, and then queries the chain code. You can invoke functions. In particular, among the peers participating in the blockchain network 200, the orderer 250 receives a guaranteed transaction, records it in the latest block, and distributes it to each peer 210.

In addition, each of the peers 210 may be partially or entirely set up as an endorser that performs a guarantee authorization according to execution of the chaincode, and may generate a digital certificate for this when the guarantee permits.

In the drawing, a block chain network 200 consisting of at least one peer A corresponding to a subscriber terminal, peer B corresponding to the financial supervisory server server, peer C corresponding to a financial institution server, and orderer 250 is illustrated. It is not limited, and in particular, a plurality of peers A of the subscriber station 10 may participate.

The financial company server 300 can participate in the blockchain network 200 as a peer C, and a blockchain network by issuing a transaction for financial product management, especially a transaction for changing terms, from the perspective of a financial institution, excluding transactions such as payment of insurance premiums by subscribers. It can be broadcast to and recorded on the distributed ledger by agreement of one or more subscriber terminals 10.

In particular, at least one peer of the blockchain-based personal financial product management system according to an embodiment of the present invention is the Financial Supervisory Service server 400, and can participate in the guarantee for the terms and conditions change transaction, which has a higher weight than other peers. It has been established, and authentication and consensus can be obtained to process the procedure for changing the terms and conditions with higher reliability.

Specifically, in the case of the majority method, the blockchain network 200 according to the embodiment of the present invention determines that it has been agreed upon when a majority of the plurality of peers participating in the authentication group authenticates the terms and conditions change transaction, and in the case of the weight method, authentication Different weights are set for each of the plurality of peers participating in the group, and if the sum of the weights set for one or more peers that have authenticated the terms and conditions change transaction is equal to or greater than a predetermined value, it may be determined as agreed.

As an example, as shown in Table 1 below, when 7 peers belong to the assurance group and participate in the assurance process, all peers belonging to the assurance group, that is, peer1 ~ peer7, must all authenticate to change the terms and conditions. An agreed way can be applied.

Assurance group = {peer1, peer2, peer3, peer4, peer5, peer6, peer7}

Alternatively, if more than a certain number of peers among the above assurance groups authenticate, it may be determined as agreed according to a majority voting method. As an example, if four peers (peer1 to peer4) authenticate, it can be regarded as an agreement as it exceeds the majority.

Further, according to an embodiment of the present invention, a weight expressed as a number may be set according to each peer, and an agreed weight method may be applied when the sum of the weights of the authenticated peers is greater than or equal to a predetermined value.

Assurance group = {peer1=10, peer2=20, peer3=15, peer4=10, peer5=15, peer6=20, peer7=10}

In Table 2 above, different weights are set for each peer, and if the sum of the weights of the authenticated peers is 50 or more, it may be determined that they have been agreed.

As an example, if peer1, peer3, peer4, and peer7 authenticate, it is determined that it is agreed upon by the authentication of four peers according to the above-described majority voting method, but according to the weighting method, 10+15+10+10=45. Therefore, since the sum is less than 50, it cannot be considered as agreed.

In addition, as another example, when peer2, peer3, and peer6 authenticate, according to the above-described majority voting method, only three peers cannot be considered as agreed upon authentication, but according to the weighting method, the sum of the weights is 20+15+20. =55, so it can be judged as agreed.

In particular, according to an embodiment of the present invention, if the above weighting method is applied and peer7 belonging to the guarantee group is a peer connected to the financial supervisory server, and the weight set between each peer is as shown in Table 3, the result of the agreement is Can be determined unilaterally by

Assurance group = {peer1=5, peer2=10, peer3=5 peer4=10, peer5=10, peer6=10, peer7=50}

In other words, as the weight of the peer of the Financial Supervisory Service server is set to 50 (peer7=50), even if all other peers (peer1 to peer6) do not authenticate, the total weight is 50 or more if peer7, which is the Financial Supervisory Service, authenticates. According to the agreement, the transaction for changing the terms can be determined to have been agreed.

Of course, according to Table 3, even if peer7 of the Financial Supervisory Service server does not authenticate, if all other peers (peer1 ~ peer6) authenticate, the weight sum is 5+10+5+10+10+10=50, so the terms and conditions are changed. You can judge the transaction as agreed.

The majority, the weight value, and the weight value set to the peer of the Financial Supervisory Service server may be appropriately determined by the system operator.

This is to prevent a situation in which the corresponding transaction is repeatedly discarded because peers corresponding to the subscribers other than the peers corresponding to the financial company server do not agree to the change of the terms and conditions, and thus it is impossible to change the terms and conditions more than a certain number of times. In the event that the transaction is reapplied and abolished repeatedly, the financial company may request the Financial Supervisory Service as a legitimate third party to participate in the agreement to change the terms and conditions, and the Financial Supervisory Service reviews the changes to the terms and conditions and makes necessary and legitimate changes to the contract. If it is determined that, it can participate in the assurance group and authenticate the transaction.

According to the above-described structure, the blockchain-based personal financial product management system according to an embodiment of the present invention can prevent tampering and tampering by recording major records related to financial products on a distributed ledger. As the change procedure is handled by the agreement of the subscribers, the financial company can handle the unilateral change of terms and conditions, and by recording the details of the change in a block that cannot be altered, the reliability of the record can be maximized. have.

Hereinafter, a structure of a distributed application according to an embodiment of the present invention will be described in detail with reference to the drawings.

2 is a diagram of a distributed application executed in a subscriber terminal according to an embodiment of the present invention.

2, a distributed application 100 according to an embodiment of the present invention is a distributed application recorded on a recording medium mounted on a subscriber terminal participating in the block chain network 200, and is a block chain network through an information communication network. A terminal communication unit 110 that accesses 200 to transmit and receive data, a network participation unit 120 that requests participation as a peer of the blockchain network 200, and issues a transaction related to the financial product subscribed by the subscriber. , When a transaction request unit 130 for submitting a transaction issued to the blockchain network 200 and requesting execution of the chain code, and a transaction for changing the terms of a financial product from the blockchain network 200 are agreed, the terms approval unit 140 ), an insurance management unit 150 for managing details of one or more financial products including terms and conditions information for financial products, and a terminal database 160 for storing product information and terms and conditions information for financial products.

In particular, the terms and conditions information may be synchronized with the distributed ledger stored in the blockchain network 200.

The terminal communication unit 110 may transmit and receive data by accessing the blockchain network 200 through an information communication network. In addition, the terminal communication unit 110 may communicate with the financial institution server 300 through a separate network to perform a user's identity authentication procedure, and may be granted the authority to participate in the blockchain network 200 as a peer.

The network participation unit 120 can access as a peer of the blockchain network 200 by submitting a certificate related to it to the blockchain network 200 by the distributed application 100, which is given the right to participate in the blockchain network 200. To be.

When the certificate is normally submitted and the certificate is verified by the blockchain network 200, the blockchain network 200 joins the network as one node by connecting the distributed application to the peer.

The transaction requesting unit 130 generates a transaction by receiving the details when paying monthly insurance money, claiming insurance money, or renewing insurance according to a financial product, for example, an insurance contract according to a user's input, It can be submitted to the blockchain network 200. The submitted transaction is verified as a normal transaction by the Endorser according to the execution of the chain code in the blockchain network 200, and then recorded in a ledger, that is, a block.

The terms and conditions approval unit 140 submits a transaction to change the terms from the peer of the financial institution server, executes a chaincode in each peer, performs verification thereof, and receives a transaction that is guaranteed to each peer as a digital certificate is included. have. Thereafter, the terms and conditions approval unit 140 provides the transaction for which the guarantee is permitted to the orderer.

In the present invention, the role of adding a block to the blockchain network 200 is performed by an orderer, and the orderer arranges the guaranteed transactions received from each distributed application 100 according to the order and A block can be created and the generated block can be transmitted to all peers belonging to the corresponding blockchain network 200.

Accordingly, all peers can verify the result value and certificate of the block containing the corresponding terms and conditions change, and if there is no problem in the verification process, they can update the distributed ledger stored in their local storage, and then the distributed application 100 By reporting the update result from the connected peer, the modification of the terms and conditions is completed.

As a component for this, the certificate request unit 158 may request verification from the blockchain network 200 for the user's transaction details previously recorded in the block according to the user's input, and the notarization center server According to this, a certificate certifying that the data of the block recorded in the block of the blockchain network 200 is the same as the original is returned by comparing the contents recorded in the on-chain and off-chain with respect to the user's transaction details.

According to the above structure, the distributed application 100 according to the embodiment of the present invention can authenticate a user by performing biometric authentication and participate in the blockchain network 200, and recorded in a block on the chain on the notary center server. You can request and receive a digital certificate proving that your transaction details are the same as the original.

Hereinafter, a financial company server that manages financial products by participating as one peer of a blockchain network and issues a transaction for a change of terms will be described in detail with reference to the drawings.

3 is a diagram of a financial institution server of a block chain-based personal financial product management system according to an embodiment of the present invention.

3, the financial company server 300 of the personal financial product management system based on a block chain according to an embodiment of the present invention is a server communication unit 310 for transmitting and receiving data by accessing the block chain network 200 through an information communication network. ), a service processing unit 320 that issues a transaction for financial product management to which subscribers have subscribed, submits the issued transaction to the blockchain network 200, and requests execution of the chain code, to the financial product with reference to the latest block. Insurance management unit 330 that handles management procedures including issuance, renewal, or termination procedures for financial products, server database 340 that stores product information on financial products, blockchain issuing terms and conditions change transactions according to input from financial companies When a request to the network 200 and the transaction for changing the terms in the blockchain network 200 is not agreed upon, and the grace period has elapsed, the terms and conditions change unit 350 requesting a reissue of the transaction for changing the terms and conditions to the blockchain network, one or more finance Issuance of insurance certificates that issue electronic financial product certificates for financial products for which the contract is normally maintained at the request of the member management unit 360, which holds products and manages member information for registered subscribers, and at the request of registered subscribers It may include a unit 370.

The server communication unit 310 may transmit and receive data by accessing the blockchain network 200 through an information communication network. In addition, the server communication unit 310 can permanently record an important part of the contract content of a financial product on the distributed ledger by issuing and distributing a transaction for changing terms to peers on the blockchain network 200 and adding the content to the block.

The service processing unit 320 may issue a transaction for managing financial products subscribed to by subscribers, submit a transaction issued to the blockchain network 200 and request execution of a chain code. For financial products such as insurance, the contract is maintained as the monthly premium is paid, and the service processing unit 320 distributes the details of the Giro document sent to the subscribers to pay the insurance premium by submitting a transaction to the blockchain network 200. It can be recorded in the ledger.

The insurance management unit 330 may add insurance products to new subscribers, or process procedures such as maintenance, renewal, and termination of insurance currently normally maintained. Among the changes made by the insurance management unit 330, the contents that have a significant influence on the insurance contract such as termination may be recorded in the distributed ledger by issuing a transaction by the service processing unit 320.

The server database 340 may store various types of information necessary for the insurance management unit 330 to service financial products. In particular, the financial institution server 300 according to an embodiment of the present invention may receive and store the latest distributed ledger recorded in the current blockchain network in real time, and such information may be checked and utilized by the financial institution. However, the contents recorded on the distributed ledger cannot be corrected.

When a financial company needs to change the terms and conditions of one or more financial products that are being serviced to each subscriber, the terms and conditions change unit 350 issues a terms and conditions change transaction reflecting the terms and conditions changes according to the input of the financial company, and this ) By broadcasting, you can try to change the terms and conditions by the financial company.

In particular, when the authentication results of peers participating in the authentication group of the terms and conditions change transaction in the blockchain network 200 are not agreed upon and the grace period expires, the terms and conditions change unit 350 reissues the terms and conditions change transaction. ).

The member management unit 360 may manage member information of subscribers who subscribe to the system of the present invention and use one or more financial products. The member management unit 360 may perform management procedures such as registration, update, and deletion of member information, and the member information may be stored in the database 340.

The insurance certificate issuing unit 370 may issue a digital or paper insurance certificate for a financial product subscribed to by the subscriber at the request of the subscriber and provide it to the subscriber terminal or the subscriber side.

In particular, the insurance certificate issuing unit 370 generates an insurance certificate by referring to the member information and financial product information stored in the database 340, at this time, by referring to the changes to date stored in the blockchain network 200. You can verify that it is the same as the original.

According to the above-described structure, the blockchain-based personal financial product management system according to the embodiment of the present invention can manage personal financial products in a blockchain network along with subscriber terminals, and in particular, has a great influence on contract contents such as change of terms and conditions. In the case of financial product management procedures that give money, it is possible to avoid a situation where an individual without expertise suffers unilateral damage by processing it according to the agreement of the subscriber.

Hereinafter, a transaction processing method of a distributed application and a blockchain-based personal financial product management system including the same according to an embodiment of the present invention will be described in detail with reference to the drawings.

4 is a diagram illustrating a general transaction processing method of a personal financial product management system based on a block chain according to an embodiment of the present invention.

Referring to FIG. 4, a blockchain-based personal financial product management system according to an embodiment of the present invention is a transaction processing method for performing a general financial product management procedure such as payment of insurance premiums related to financial products. ), chain code execution step (S110), transaction verification step (S120), transaction transfer step (S130), and distributed ledger update step (S140).

First, in the transaction issuance step (S100), the distributed application 100 completes the authentication process through a predetermined authentication procedure, is connected to the peer of the blockchain network, and then uses and manages financial products according to the user's input, that is, a subscriber. This is the step of issuing the necessary transaction. As an example, when paying insurance premiums, the distributed application 100 may issue a transaction according to the deposit details and broadcast it to a blockchain network.

Next, the chaincode execution step (S110) is a step of executing the chaincode in which the connected peer is set for the broadcasted transaction. In FIG. 4, the peer A 211 connected to the distributed application 100 that issued the transaction executes the chain code 222. Here, the peer A 211 can access the chain code 222 and the distributed ledger 225 running on the network 220 and execute the chain code 222.

The transaction verification step (S120) is a process for recording data in the distributed ledger 225, and peer A 211 checks the result value of the transaction input value and the authentication policy to the distributed application 100 connected according to the authentication policy. And, if it is normal, the digital certificate along with the result value is transmitted to the endorser. 4 illustrates a case in which the distributed application 100 is designated as an endocer.

The transaction transfer step (S130) is a step in which the distributed application 100 transfers the transaction result value and the received digital certificate to the orderer 250. The orderer 250 can receive all transactions occurring in the blockchain network to which it belongs, and adds a new block to the distributed ledger by sorting according to the order.

In the distributed ledger update step (S140), each peer, that is, peer A 211, peer B 212, and peer C 213, transmits the block generated by the orderer 250 to all peers in the blockchain network. Update the distributed ledger. Thereafter, each peer notifies each connected distributed application of the update of the distributed ledger.

In addition, the blockchain network according to an embodiment of the present invention provides an authentication policy setting function and a network setting function, provides an ordering service that records an authentication agreed transaction in a block, and provides a client application ( Client Application) can be connected.

On the other hand, according to an embodiment of the present invention, a financial company may proceed with a procedure for changing matters that have a significant influence on an insurance contract, such as a change in terms and conditions related to a financial product, and may issue a transaction for this.

5 is a diagram illustrating a method of processing a condition change transaction in a block chain-based personal financial product management system according to an embodiment of the present invention.

Referring to FIG. 5, a method for processing a terms and conditions change transaction of a block chain-based personal financial product management system according to an embodiment of the present invention includes a terms and conditions change transaction issuance step (S200), chain code execution step (S210), and transaction verification step (S230). ), a transaction consensus step (S240), a result collection step (S250), a transaction transfer step (S260), a distributed ledger update step (S270), and an update notification step (S280).

Specifically, in the transaction issuance step (S200), the financial institution server 300 completes the authentication procedure through a predetermined authentication procedure, is connected to the peer of the blockchain network, and then, according to the input of the financial institution, the financial product currently in service. A transaction for the change of the terms and conditions is issued. The issued terms and conditions change transaction is broadcast to the corresponding blockchain network.

In this case, the chaincode execution step (S210) is a step of executing the chaincode set by the connected peer C213 for the broadcasted terms change transaction. Here, peer C (213) has the same status as peer A (211) and peer B (212) connected to the distributed application of the subscriber, and the chain code 222 and distributed ledger 225 running on the connected blockchain network. It can be accessed, and the chaincode 222 is executed.

At this time, the chaincode may be programmed to reduce the number of peers participating in the authentication group when the same terms and conditions change transaction is re-executed two or more times.

The transaction verification step (S230) is a process for recording data in the distributed ledger 225, and the result value of the transaction input value and the authentication policy are provided to the distributed applications 100 and 102 connected according to the authentication policy through each peer. This is the step of checking and, if normal, sending the digital certificate along with the result value to the endorser. Accordingly, the execution result of the chaincode and the digital certificate may be transmitted to peer A 211 and peer B 212 set as Endorser.

In the transaction consensus step (S240), the execution result of the chaincode and the digital certificate from the peer A 211 and the peer B 212 are transmitted to the connected distributed applications 100 and 102, respectively, and these distributed applications 100, 102) asks each subscriber whether they agree to these terms and conditions. A subscriber who agrees to this can directly authenticate the execution result of the chaincode, and a subscriber who does not can discard the transaction by rejecting the authentication.

At this time, the peer may withhold authentication permission for a certain period of time, rather than immediately authenticating the transaction, and if authentication is suspended for a certain period of time, the blockchain network collectively permits or discards the suspended transaction according to the policy. Can be processed.

In addition, among the plurality of peers, any one of the peers may be connected to the Financial Supervisory Service server operated by the Financial Supervisory Service. If peer B 212 is a peer connected to the Financial Supervisory Service server, it is possible to select authentication or non-authentication for the agreement change transaction in the same way as peer A 211 of a general subscriber, and If the number exceeds the majority, it can be determined that the agreement has been changed.

In addition, different weights may be set for each peer A 211, and when the sum of the weights of the authenticated peer A 211 exceeds a predetermined value, it may be determined that the agreement has been changed.

In this case, when the peer B 212 participates in the authentication group, a higher weight value may be set in the consensus method than the other peers A 211, and thus, even if the number of authentication does not exceed the majority, the peer B 212 authenticates. In one case, the transaction for changing the terms and conditions can be authenticated.

In addition, peer C 213 may request the blockchain network to reissue the terms and conditions change transaction when the agreement by the authentication group of the blockchain network is not established and the grace period has elapsed.

The result collection step (S250) is a step of delivering the result selected by the distributed applications 100 and 102 to each peer. Data transmitted here may include a transaction result value and a received digital certificate.

In the transaction transfer step (S260), the orderer 250 receives all the transactions occurring in the blockchain network to which it belongs, arranges them according to the order, and adds a new block to the distributed ledger.

In the distributed ledger update step (S270), the block generated by the orderer 250 is transmitted to all peers in the blockchain network, so that each peer, that is, peer A 211 and peer B 212, has its own distributed ledger 225 ) To be updated.

The update notification step (S280) is a step of notifying the update of the distributed ledger to each connected distributed application after each peer updates its distributed ledger 225 in S270. In particular, the financial company server 300 changes the issued terms and conditions. It is possible to grasp the opinions of the subscribers on the transaction, and when authentication is agreed, the details are not only notified to each subscriber, but also can be recorded in the distributed ledger 225.

Although many items are specifically described in the above description, this should be construed as an example of a preferred embodiment rather than limiting the scope of the invention. Therefore, the invention should not be determined by the described embodiments, but should be defined by the claims and equivalents to the claims.

10: subscriber terminal 100: distributed application
110: terminal communication unit 120: network participation unit
130: transaction request unit 140: agreement approval unit
150: insurance management unit 160: terminal database
200: blockchain network 210: peer
250: orderer 300: financial company server
310: server communication unit 320: service processing unit
330: insurance management unit 340: server database
350: Terms of change 360: Member management
400: Financial Supervisory Service Server

Claims (4)

A plurality of subscriber terminals for executing distributed applications to participate in the blockchain network and used by subscribers;
A financial company server operated by a financial company that sells financial products to the subscribers;
A Financial Supervisory Service server operated by the Financial Supervisory Service that supervises financial products generated according to an agreement between the subscriber and the financial company; And
The subscriber terminal, the financial supervisory service server, and the financial institution server each participate as an independent peer, and a blockchain network that executes a chain code for a transaction related to the financial product and records an authenticated transaction in a block,
The subscriber terminal,
A terminal communication unit for transmitting and receiving data by accessing the blockchain network;
A network participation unit requesting participation as a peer of the blockchain network;
A transaction request unit for issuing a transaction related to a financial product subscribed by a subscriber, submitting a transaction to a blockchain network, and requesting execution of a chain code;
A terms and conditions approval unit for responding to authentication or non-authentication according to a subscriber's input when a request for agreement on a transaction for changing terms of a financial product is requested from the blockchain network;
An insurance management unit that provides an information management function including a request to subscribe, change or cancel financial products to the blockchain network; And
It includes a terminal database that stores product information and terms and conditions information for financial products,
The financial company server,
Server communication unit for transmitting and receiving data by accessing the blockchain network through an information communication network;
A service processing unit that issues a transaction for managing financial products subscribed to by subscribers, submits a transaction issued to a blockchain network, and requests execution of a chain code;
An insurance management unit that processes management procedures including issuance, renewal or termination procedures for financial products with reference to the latest block;
A server database for storing product information on financial products; And
Requesting the issuance of a terms and conditions change transaction to the blockchain network according to the input of the financial company, and requesting the blockchain network to reissue the terms and conditions change transaction when the terms and conditions change transaction cannot be agreed on in the blockchain network, and the grace period expires. Including changes to the terms and conditions,
The blockchain network,
Conduct a consensus procedure for the above terms and conditions change transaction in a majority method or weight method,
In the case of the majority method, if a majority of the plurality of peers participating in the authentication group authenticate the terms and conditions change transaction, it is determined that they have agreed, and in the case of the weight method, different weights are set for each of the plurality of peers participating in the authentication group. Blockchain-based personal financial product management system that judges that the sum of the weights set by one or more peers that have authenticated the change transaction is more than a certain value. The method of claim 1,
In the case of proceeding with the agreement procedure for the terms and conditions change transaction in the above weighted method
Blockchain-based personal financial product management system connected to the Financial Supervisory Service server in which one of the plurality of peers is set to a value corresponding to an agreement. The method of claim 1,
The chain code is,
Blockchain-based personal financial product management system that reduces the number of peers participating in the authentication group from the present when the same terms and conditions change transaction is re-executed two or more times. The method of claim 1,
The financial company server,
A member management unit that holds one or more financial products and manages member information for subscribers registered as members; And
Insurance certificate issuance department that issues electronic financial product certificates for financial products that are normally held in contract at the request of registered subscribers
Blockchain-based personal financial product management system further comprising a.

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