KR20210008235A - System for fin tech based on block chain - Google Patents

Abstract

The present invention relates to a blockchain-based fintech system, and more particularly, when a user terminal subscribes to a token management server and requests the issuance of a token for a specific project conducted by a seller terminal, the token management server makes a transaction to the merchant terminal. It relates to a blockchain-based token transaction system that transmits and issues tokens and overall manages specific projects conducted by the seller terminal.
By using the credit blockchain platform by the blockchain-based fintech system according to the present invention, the financial system can pay directly without an intermediary, and the platform is fast (01 seconds per transaction ) due to the unique type of consensus dPoS + BFT. It can be operated with and has the effect of being able to process many transactions per second.

Description

Blockchain-based fintech system {SYSTEM FOR FIN TECH BASED ON BLOCK CHAIN}

The present invention relates to a fintech system, and more particularly, by using a credit blockchain platform, the financial system can directly pay without an intermediary, and if a loan is required, it is based on a distributed ledger technology that is allowed by the blockchain platform. It relates to a blockchain-based fintech system that creates a client identification system.

In addition, when the user terminal subscribes to the token management server and requests the issuance of a token for a specific project conducted by the seller terminal, the token management server transmits a transaction to the merchant terminal to issue a token, and executes a specific project conducted by the seller terminal. It is about a blockchain-based fintech system that is managed overall.

In general, remittances are delayed by opening large bank accounts and cross-border transfers due to fear of criminal activity and the need for security checks.

In addition, methods of applying for a personal credit loan to raise the necessary funds include a method for a customer to visit a bank and apply by phone, a method through the Internet, and a mobile loan application method using a portable terminal.

As such, the first financial sector and the second financial sector have implemented various types of customer loan services, but most of the loan methods are performed by a person who wants a loan directly visiting a financial company.

Of course, in recent years, a method of providing a phone loan using a portable terminal such as a smart phone or a loan service using the Internet has been implemented, but in this process, a procedure for confirming an individual's credit status and identity is very cumbersome.

In particular, in the case of a loan service using Internet web service, there is no method to immediately display the available loan amount of new or existing customers depending on the applying customer, so new customers as well as existing loan customers repeat credit inquiries every time they apply for a loan. There is a problem that personal creditworthiness is lowered because it is executed as.

In addition, since the loan application through the homepage is based on the customer's credit information data, there is a cumbersome problem in that new customers have to repeatedly provide various documents required for loan examination each time, and in this process, personal information and documents, etc. This leak continues, leading to illegal loan-related crimes.

In addition, if an existing customer applies for a telephone loan, the loan limit is determined after comparing the data of the credit information company, so the loan review is relatively easy, but it is a factor that lowers the credit rating due to multiple credit inquiries. It is a situation where he avoids applying for a loan and is not using it much.

In addition, even after the existing customer applies for a loan over the phone, it undergoes a loan review equivalent to the new loan review according to personal creditworthiness, so additional loan-related documents must be provided, and the customer's recording data must be secured during the loan review. There is inherent hassle with a separate personal authentication procedure.

As described above, as a prior art for the inconvenience of phone loans using a conventional portable terminal and protection of personal information,'mobile loans using mobile communication terminals' in Korean Patent Publication No. 10-0551552 (announced on February 13, 2006) Service systems and methods' have been disclosed.

This prior art mobile loan service system allows the user to use the mobile communication terminal in place of the existing loan card or the like through a partnership between the mobile communication system and each lending institution, so that the user can obtain a mobile communication terminal, which is currently a necessity. There is an advantage in that it is possible to easily receive a loan service by using the mobile communication system, and that it is possible to induce a loan through differentiated marketing using a database of customers possessed by a mobile communication system.

In addition, the mobile communication system according to this prior art can take advantage of the fee from the lender that provides the loan product as the loan is made using the mobile communication terminal, and each lender has the cost of issuing a card and In addition to saving marketing costs, there is an advantage in that effective marketing and profit generation are expected without separately collecting user information by sharing user information previously held in the mobile communication system.

However, since this prior art requires a partnership between a mobile operator and a lending institution, in reality, there is a limitation in that the business alliance between the mobile operator and the lending institution cannot be properly established. Even if a business alliance is established, the database of the customer held by the mobile communication system There is a high concern about loan fraud and identity theft problems caused by personal information leakage in the process of using, so it is not being applied in practice.

And Ethereum proposed by Vitalik Buterin can easily implement smart contracts in code and is Turing complete. Ethereum, proposed by Vitalik Buterin, was proposed to overcome the Turing imperfections of the bitcoin script language used for escrow contracts in bitcoin transactions. Bitcoin transactions are only used for changes in account balance items, and the script language used for transactions is only used in a limited way, such as escrow contracts. Ethereum expands the state of this account not only to balance, but also to data and code, and allows a series of codes recorded in the account to be executed through transactions, making the state transition condition of the account close to Turing perfection, making it a large-scale distributed application ( We provided an easy tool for creating Decentralized Application (DApp). Therefore, decentralized applications (DApps) using the Ethereum blockchain are being actively developed as smart contracts that can be easily implemented.

ICO (Initial Coin Offering), a format in which decentralized application projects receive crowdfunding by issuing coins to raise initial funds, has been commonly used. With the widespread ICO, investments were made with the anonymity of the blockchain, and it was banned in major countries such as the United States and China due to lack of legal protection.

Therefore, as in general financial transactions, there is a need for a system that can verify the identity of the person making the transaction and invest and prevent the ICO from being abused.

Patent Document 1: Domestic Patent Publication No. 10-0551552 (announced on February 13, 2006) Patent Document 2: Korean Patent Application Publication No. 10-2011-0129735 (published on December 02, 2011) Patent Document 3: Korean Patent Publication No. 10-2011-0041929 (published on April 22, 2011) Patent Document 4: Korean Patent Publication No. 10-2010-0131785 (published on December 16, 2010)

The present invention was created to solve such a problem, and an object of the present invention is that when a user terminal subscribes to a token management server and requests the issuance of a token for a specific project conducted by the seller terminal, the token management server makes a transaction to the merchant terminal. It is to provide a blockchain-based fintech system that transmits tokens to issue tokens and overall manages specific projects conducted by the seller terminal.

In addition, currently popular cryptocurrencies such as Bitcoin and Ethereum operate with low transaction speed and high cost, so using the Credit Blockchain platform, the financial system provides a blockchain-based fintech system that allows direct payment without intermediaries. There is.

A blockchain-based fintech system according to an aspect of the present invention includes a process of generating an authentication key and a public key in which a user terminal generates and stores a private key and a public key issued from an accredited certification authority server; Financial institution account opening process in which a user terminal, authentication key management server, and financial institution account management server communicate with each other to open a financial institution account using a blockchain certificate, which is a blockchain-based user's personal certificate using the decrypted public key and; The authentication key management server is an accredited certificate authentication mode in which transaction payments of a financial institution account are transferred using a public key-based public certificate provided from the accredited certificate authority server, and a block chain-based provided by the financial institution account management server An authentication mode determination process of determining any one of the blockchain authentication modes in which the transaction price transaction transfer of the financial institution account is performed using the blockchain certificate, which is the user's personal certificate; And when a remittance or loan transaction occurs, the SNS platform server performs authentication of the authentication mode determined in the authentication mode determination process, and then an authentication transfer request process of requesting a payment.

In addition, in the process of determining the authentication mode, the authentication mode is determined according to any one or more of a criterion for whether or not an accredited certificate fee for a transaction price transfer is free, a user terminal location criterion, or a transaction price criterion transacted through the financial institution, The authentication mode is determined according to the user terminal location criterion, when the user terminal is located in the same country as the country where the accredited certification authority server is located, the accredited certificate authentication mode is determined, and the user terminal is located in the accredited steam pipe server. If it is not located in the same country as the country but in a different country, it is characterized in that the block chain authentication mode is determined.

In addition, when the user terminal and the user terminal transfer money to each other, CS (cryptocurrency credits) is used.

In the present invention, when the user terminal applies for a loan from the financial institution account management server, it is characterized in that it is made by a client identification system based on a distributed ledger technology allowed by a blockchain platform.

In addition, the financial institution account management server is characterized by being managed by a block chain.

And the user terminal generates and stores a private key and a public key issued from the accredited certification authority server, and uses the public key to open a block-chain certificate-based security account, which is a block-chain-based personal certificate. It is characterized in that requested by.

In addition, the authentication key management server stores and manages the user's private key and public key received from the user terminal, and manages the public key to the financial institution account when there is a request to open a financial institution account or transfer request based on the blockchain certificate. An accredited certificate authentication mode in which a transaction amount is transferred to a financial institution account using a public key-based public certificate provided from the accredited certificate authority server by sending it to the server, and in the financial institution account management server Using the blockchain certificate, which is the provided blockchain-based user's personal certificate, it determines which one of the blockchain authentication modes in which the transaction price of the financial institution account is transferred, and performs authentication according to the determined authentication mode. It features.

According to another aspect of the present invention, a user terminal for requesting a token issuance of a specific project after user authentication through membership registration or login to a token management server; A token management server for requesting a transaction for issuing a token used for a project requested from the user terminal to a seller terminal; And when the transaction is received from the token management server, the structure of the transaction is checked through an Ethereum state conversion function based on a block chain, and an error is not returned and a token is issued only when user identification authentication is successful. It characterized in that it includes; a seller terminal provided to the user terminal.

In addition, when the user terminal subscribes to the token management server, it is characterized in that it transmits login information, Ethereum address, email, user name, and date of birth to the token management server.

In the present invention, the token management server is characterized by receiving and storing login information, Ethereum address, e-mail, user name and date of birth from the user terminal when the user terminal signs up for membership.

In addition, the transaction requested by the token management server to the seller terminal is characterized in that the amount of token issuance equal to the balance size capable of identifying the requested project and the user's Ethereum address are included.

In addition, the token management server is characterized in that collecting a fee generated when the seller terminal issues a token to the user terminal as much as the amount of token issuance requested by the user terminal.

And the token management server, if the hard cap (HARD CARP) of a specific project conducted by the seller terminal is achieved, closes the project even if the project period remains, and transfers the coins of the specific project conducted by the seller terminal to a virtual currency exchange. It is characterized by listing on.

In addition, the token management server, when a specific project conducted by the seller terminal fails to achieve a soft cap (SOFT CAP) during the project period, the seller terminal issues the token to the user terminal and the investment Ether acquired by the user terminal. It is characterized in that it is controlled to repay all of them.

And the token management server, if the specific project the seller terminal does not achieve a soft cap (SOFT CAP) during the project period, but the number of user terminals invested in the project exceeds a preset number, the seller terminal It is characterized by listing the coins of a specific project undertaken on a virtual currency exchange.

In the present invention, the token management server, when the user terminal requests the return of the investment Ether invested in the token issuance before the end of the project period after the user terminal has issued a token for a specific project conducted by the seller terminal, the seller terminal It characterized in that the control to repay only a certain amount of investment Ether for the token to the user terminal.

In the blockchain-based fintech system according to the present invention, if the credit blockchain platform is used, the financial system can pay directly without an intermediary, and due to the unique type of consensus dPoS + BFT, the platform is high-speed (01 seconds per transaction ). It can be operated with and has the effect of being able to process many transactions per second.

In addition, when the user terminal subscribes to the token management server and requests the issuance of a token for a specific project conducted by the seller terminal, the token management server sends a transaction to the merchant terminal to issue a token, so that the identity of the investor can be assured. There is an effect.

In addition, there is an effect that the token management server can overall manage a specific project conducted by the seller terminal to prevent the seller terminal from exploiting it after completing a specific project.

1 is a block diagram of a fintech system according to an embodiment of the present invention.
Figure 2 is a token transaction flow chart through the fintech system according to an embodiment of the present invention.
3 is a diagram illustrating a specific project management example of a token management server according to an embodiment of the present invention.
Figure 4 is a diagram illustrating a specific project management embodiment of a token management server according to an embodiment of the present invention.
5 is a block diagram of a fintech system according to another embodiment of the present invention.
6 is a flow chart through the fintech system shown in FIG.

Hereinafter, preferred embodiments of the present invention will be described with reference to the accompanying drawings, and the same reference numerals will be used for the same parts.

In order to help understand Ethereum prior to the description of the present invention, the Ethereum address, message and transaction, and contract (Ethereum state conversion function) will be described first.

First, let's talk about Ethereum addresses. In Ethereum, states are made up of objects called accounts. Each account has an Ethereum balance, a 20-byte address, and a state conversion code that directly passes data values and information. The specific items are as follows.

(1) nonce: a counter that allows an individual transaction to be processed only once

(2) Current ether balance of the account

(3) Account contract code (optional)

(4) Account storage space (initially empty)

Ethereum is a cryptocurrency with the same principle as Bitcoin and is used to pay transaction fees. There are two accounts: Externally Owned Accounts controlled by private key and Contract Accounts controlled by contract code.

The externally owned account does not have a code, and to send a message from this account, you create and sign a new transaction, which is the same as Bitcoin. Whenever a contract account receives a message, it activates its own code, reads the message, writes it to its internal storage, sends other messages, or creates a contract accordingly. In Ethereum, contracts can be identified as actonomous agents that exist in the execution environment of Ethereum, and they directly control their key value storage for tracking the balance of the contract and variables recorded in the blockchain.

Next, when explaining messages and transactions, the term transaction used in Ethereum refers to data that an externally owned account creates and signs a message to be sent to the network. The transaction includes the following items.

(1) Message destination

(2) Signature confirming the sender

(3) Amount of Ether sent from sender to destination

(4) Data field (optional)

(5) STARTGAS, the maximum calculation step allowed for a transaction

(6) GASPRICE, a fee paid by the sender at every step

The first three items are values that are used almost as standard in cryptocurrency. Although the initial function is not defined in the data field, the virtual machine has the code (opcode) that the contract will use to access the data field.

For example, if there is a contract with a domain registration service function on the blockchain, the data sent to this contract can be interpreted as having one key-value pair. The key is the domain you want to register, and the value is the IP address. The contract reads these values from the message data and stores them in storage. The STARTGAS and GASPRICE fields play an important role in preventing Ethereum's denial of service attack.

In order to prevent malicious infinite loops or excessive operations within the code, individual transactions limit the number of codes. The unit of calculation is gas, and one step is required at the cost of 1 gas and must be stored. If the amount of data is large, a higher gas cost is required. In addition, a fee of 5 gas per byte is required to execute transaction data. The intention of this fee system is to prevent an attacker from attacking by forcing an attacker to pay a fee in proportion to all the resources consumed by the attacker, including calculations, bandwidth, and storage.

Finally, explaining the contract (the Ethereum state conversion function), the following conditions must be satisfied in order for a transaction to be included in a block within Ethereum. Here, gas is a unit of fees paid to include Ethereum transactions in a block, and 1 gas is 1/(10^18) Ethereum. The Ethereum state conversion function performs the following tasks.

(1) Check the structure of the transaction, check whether the signature is valid, and whether the transmitted nonce matches the nonce of the sender. If not, an error is returned.

(2) Calculate the transaction fee with STARTGAS * GASPRICE, and determine the sender address from the signature. Subtract the fee from the balance of the sender account and increase the sender nonce value. If the balance is insufficient, an error is returned.

(3) After initializing with GAS = STARTGAS, deduct gas in proportion to the included bytes.

A transaction is sent from the sending account to the receiving account, and the status of the receiving account is changed. If the receiving account is a contract, the transaction is executed until the contract no longer appears or gas is exhausted. If the source's Ethereum is insufficient, the transfer of funds fails, or if gas is exhausted in the code execution process, all state change details are returned to their original state. However, the fees already paid are excluded and added to the miner's account. The remaining gas fee is returned to the sender, and the spent gas and the paid fee are sent to the miner. If gas is insufficient when executing a message, all state changes related to the message are reverted, but the parent execution does not need to return. This means that there is no problem when a contract calls other contracts. If account A calls account B with as much gas as G, the execution of account A consumes gas as much as G.

In the following, a block chain-based token transaction system according to the present invention using Ethereum described above will be described in detail through drawings.

1 is a block diagram of a token transaction system according to an embodiment of the present invention.

As shown in the figure, the token transaction system according to the present invention includes a user terminal 100 requesting a token issuance of a specific project after user authentication through membership registration or login to the token management server 200 and the user terminal ( When receiving the transaction from the token management server 200 and the token management server 200 requesting a transaction for issuing a token used for a project requested from 100) to the seller terminal 300, blockchain-based Consisting of a merchant terminal 300 that issues a token and provides it to the user terminal 100 by checking the structure of the transaction through the Ethereum state conversion function and only when an error is not returned and user identification authentication is successful. do.

The user terminal 100 is a terminal used by a person who intends to participate in the project, and includes a smart phone, a desktop PC, a tablet PC, a slate PC, and a notebook computer. computer), etc. Of course, the present invention is not limited thereto, and any terminal capable of communicating with an external device is irrelevant.

The specific project in which the user terminal 100 requests issuance of a token refers to a form in which distributed application projects issue coins to receive crowdfunding, that is, an ICO (Initial Coin Offering) project.

The token management server 200 requests a transaction for issuing a token used for a project requested from the user terminal 100 to the seller terminal 300, and the transaction includes a signature and a sender for confirming the message recipient and sender. It may include the amount of investment Ether sent from to the destination, data fields (optional), STARTGAS, the maximum calculation step allowed for the transaction, and GASPRICE, the fee paid by the sender at each step.

The seller terminal 300 is a terminal used by a person who conducts a specific project, and includes a smart phone, a desktop PC, a tablet PC, a slate PC, and a notebook computer. computer), etc. Of course, the present invention is not limited thereto, and any terminal capable of communicating with an external device is irrelevant.

2 is a flowchart of a token transaction through a token transaction system according to an embodiment of the present invention. As shown in FIG. 2, the token transaction method through the token transaction system according to the present invention includes a token issuance request process (S100), a transaction request process (S200), and a token issuance process (S300).

The token issuance request process (S100) is a process in which the user terminal 100 requests issuance of a token for a specific project after user authentication through membership registration or login to the token management server 200. To this end, the using terminal 100 provides a user with a user interface (UI) through which the user can actually input information and requests.

At this time, when registering as a member, the user terminal 100 receives authentication by entering information that can identify the user such as login information, Ethereum address, email address, user name, and date of birth, and stores the authenticated information on the token management server. After completing the membership registration by sending it to 200, the token management server 200 requests the token issuance of a specific project.

The transaction request process (S200) is a process in which the token management server 200 requests the seller terminal 300 for a transaction for issuing a token used for a project requested from the user terminal 100. The transaction includes the amount of token issuance equal to the balance size that can identify the requested project and the user's Ethereum address.

At this time, the token management server 200 safely stores information of a user whose membership registration has been completed when the user terminal 100 registers as a member. That is, the login information received from the user terminal 100, the user's Ethereum address, email address, user name, and date of birth are stored.

In the token issuance process (S300), when the seller terminal 300 receives the transaction from the token management server 200, an error is returned by checking the structure of the transaction through an Ethereum state conversion function based on the blockchain. This is a process of issuing a token and providing it to the user terminal 100 only when user identification authentication is successful.

That is, the user terminal 100 registers as a member of the token management server 200 and the seller terminal 300 checks the structure of the transaction through the Ethereum state conversion function. You can be sure of your identity.

In addition, the token management server 200 collects a fee that occurs when the seller terminal 300 issues a token to the user terminal 100 as much as the amount of tokens issued to the user terminal 100 in the process (S300). do.

In the case of a specific project conducted by the seller terminal 300, that is, an ICO project, the terms hard cap and soft cap are used, and the hard cap means that the seller terminal 300 is an ICO project. It means that the maximum amount of investment Ether from the user terminal (100) is determined while proceeding with the user terminal (100), and the soft cap means that the seller terminal (300) proceeds with the ICO project and the investment Ether from the user terminal (100) is established. It means that you have set a minimum amount for investment.

However, in the conventional case, even if the soft cap or hard cap is achieved by carrying out an ICO project and receiving investment Ether from an investor, there is a problem in that there are cases where the ICO project that collects only investment Ether without listing the coin on the cryptocurrency exchange was abused.

In the present invention, in order to solve such a problem, the token management server 200 generally manages the ICO project, and an embodiment is as follows.

3 is a diagram illustrating a specific project management example 1 of a token management server according to an embodiment of the present invention. As shown in FIG. 3, the seller terminal 300 collects investment Ether from the user terminal 100 by proceeding a specific project for a certain period of time and issues a token to the user terminal 100 (S400). At this time, when starting a specific project, a predetermined hard cap may be achieved within a period (S500). In this case, the token management server 200 closes a specific project conducted by the seller terminal 300, and the seller terminal List the coins of a specific project conducted by (300) on the virtual currency exchange (S600).

4 is a schematic diagram 2 of a specific project management example of a token management server according to an embodiment of the present invention. As shown in FIG. 4, the seller terminal 300 collects investment Ether from the user terminal 100 by proceeding a specific project for a certain period of time, and issues a token to the user terminal 100 (S700). At this time, when a specific project is started, a predetermined period may be ended (S800). In this case, the token management server 200 checks whether the soft cap has been achieved, and if the soft cap is not achieved, the seller terminal 300 The investment Ether acquired while issuing tokens to the terminal 100 is controlled to be repaid to the user terminal 100 (S900).

In the process (S900), the token management server 200 has not achieved a soft cap, but when the number of user terminals 100 invested in the project exceeds a preset number, the seller terminal 300 Lists the coins of a specific project that has been conducted on a cryptocurrency exchange.

In addition, in the above process (S400, S700), when the user terminal 100 requests the return of the investment Ether invested in the token issuance before the end of the project period after issuing the token for a specific project conducted by the seller terminal 300 , The seller terminal 300 controls to redeem only a certain amount of investment ether for the token to the user terminal 100.

Therefore, as described above, the blockchain-based token transaction system according to the present invention can reliably verify the identity of the investor and has the effect of preventing the person who proceeds the ICO project from misusing the ICO project.

Another embodiment of the present invention will be described with reference to FIGS. 6 and 7.

6 is a configuration diagram of a fintech system according to another embodiment of the present invention, and FIG. 7 is a flow chart through the fintech system shown in FIG. 6.

Prior to another description of the present invention, an authentication procedure based on a public certificate and a blockchain based authentication procedure will be briefly described.

In the authentication procedure using a public key-based structure, the user first visits a registration authority (RA) to apply for issuance of a certificate and apply for a certificate issuance. Then, the registrar verifies the user's identity, issues a token to the user, stores it on a smart card or diskette and delivers it to the user, or prints or transcribed it on a paper document and handed it to the user.

The token delivered to the user offline contains information such as ID, password, and encrypted code for the user to generate his or her own public/private key pair and request certificate issuance. A user downloads and installs a certificate management program in his/her terminal located in a home or office where he/she intends to use a certificate, and then generates a public key and a private key using the certificate management program. When a user requests a certificate while sending a certificate request message (PKCS#10) including the token issued by the registration authority and his/her public key to the server of the certificate authority, the server of the certificate authority (CA) sends a certificate request message. After checking the validity of the certificate, it issues a response message to the certificate request, that is, a certificate, stores it in the certificate store (X500 directory or LDAP server), and sends the certificate to the user as well.

The user stores the certificate and key downloaded from the server of the certification authority in a medium such as a hard disk, diskette, IC card, and smart card, and uses it for his/her electronic signature, message encryption, and secure communication.

Therefore, a trusted accredited certification authority verifies the user's identity and issues a public key certificate, and the user authenticates by performing digital signature and encryption using their private key and public key certificate stored securely. A public-key infrastructure that completely solves the problems of integrity, confidentiality, and non-repudiation has been proposed as a standard.

Meanwhile, blockchain is a technology that enables trust-based transactions between parties without a centralized institution. That is, the existing electronic financial transaction is a centralized structure, and the central server notarizes and manages the transaction, and manages it through the record of the ledger of the centralized institution.

On the other hand, for blockchain-based electronic financial transactions such as Bitcoin, as a decentralized structure, transaction details are shared with all network participants, and all participants in the transaction can notarize and manage data through consensus.

As shown in Figure 5, the blockchain-based fintech system according to the present invention is a user terminal. The accredited certification authority server, the authentication key management server, the financial institution account management server, and the SNS platform server 50 are connected to each other.

With this configuration, the operation of the blockchain-based fintech system in the manner shown in FIG. 6 is as follows.

First, an authentication key and public key generation process (S10) in which the user terminal 10 generates and stores a private key and a public key issued from the accredited certification authority server 20 is performed.

After that, the user terminal 10, the authentication key management server 20, and the financial institution account management server 30 communicate with each other, and a block chain, which is a block chain-based user's personal certificate using the decrypted public key. A financial institution account opening process (S20) for opening a financial institution account using the certificate is in progress.

After the financial institution account opening process (S20), the authentication key management server 30 transfers the transaction price of the financial institution account using the public key-based public certificate provided from the accredited authentication institution server 20. Any one of a public certificate authentication mode, a block chain authentication mode in which a transaction amount of a financial institution account is transferred using a blockchain certificate, which is a block chain-based user's personal certificate provided by the financial institution account management server 40. An authentication mode determination process (S30) of determining an authentication mode is performed.

After the authentication mode determination process (S30) is in progress, the SNS platform server 50 requests a payment after authentication of the authentication mode determined in the authentication mode determination process (S30) when a remittance or loan transaction occurs. The authentication transfer request process (S40) is performed.

In the authentication mode determination process (S30), an authentication mode is determined according to any one or more of a criterion for whether the accredited certificate fee for the transaction price transfer is free, a user terminal location criterion, or a transaction price criterion transacted through the financial institution. , The authentication mode is determined according to the user terminal location criterion, when the user terminal 10 is located in the same country as the country where the accredited certification authority server 20 is located, it is determined as the accredited certificate authentication mode, and the user If the terminal 10 is not located in the same country as the country in which the accredited certification authority server 20 is located but is located in a different country, the block chain authentication mode is determined.

In addition, when the user terminal 10 and the user terminal 10 transfer money to each other, cryptocurrency credits (CS) are used, and the user terminal 10 makes a loan from the financial institution account management server 40. In the case of application, it is made by a client identification system based on the distributed ledger technology allowed by the blockchain platform.

In addition, the financial institution account management server 40 is managed by a block chain, and the user terminal 10 generates and stores a private key and a public key issued from the accredited certification authority server 20, and the Using the public key, a request is made to the authentication key management server 30 to open a block-chain certificate-based stock account, which is a block-chain-based personal certificate.

And the authentication key management server 30 stores and manages the user's private key and public key received from the user terminal 10, and when there is a request to open a financial institution account or transfer request based on a blockchain certificate, the public key is An accredited certificate authentication mode in which a financial institution account is requested to be opened by sending it to the financial institution account management server, and the transaction price of a financial institution account is transferred using a public key-based public certificate provided from the accredited certification institution server 20 , Using a block chain certificate, which is a block chain-based user's personal certificate provided by the financial institution account management server 40, determines any one of the block chain authentication modes in which the transaction price of the financial institution account is transferred. And, authentication is performed according to the determined authentication mode.

The present invention has been described with reference to the embodiment(s) shown in the drawings, but this is only exemplary, and various modifications may be made therefrom by those of ordinary skill in the art, and the above-described embodiment ( It will be appreciated that all or some of these) may be optionally combined and configured. Therefore, the true technical protection scope of the present invention should be determined by the technical spirit of the appended claims.

10, 100: user terminal, 20: accredited certification authority server,
30: authentication key management server, 40: financial institution account management server,
50: SNS platform server, 200: token management server,
300: seller terminal

Claims (16)

An authentication key and public key generation process in which a user terminal generates and stores a private key and a public key issued from a server of an accredited certification authority;
Financial institution account opening process in which a user terminal, authentication key management server, and financial institution account management server communicate with each other to open a financial institution account using a blockchain certificate, which is a blockchain-based user's personal certificate using the decrypted public key ;
The authentication key management server is an accredited certificate authentication mode in which transaction payments of a financial institution account are transferred using a public key-based public certificate provided from the accredited certificate authority server, and a block chain-based provided by the financial institution account management server An authentication mode determination process of determining any one of the blockchain authentication modes in which the transaction price transaction transfer of the financial institution account is performed using the blockchain certificate, which is the user's personal certificate; And an authentication transfer request process of requesting a payment after the SNS platform server undergoes authentication of the authentication mode determined in the authentication mode determination process when a remittance or loan transaction occurs; a blockchain-based pin comprising: Tech system. The method of claim 1, wherein the determining of the authentication mode comprises: an authentication mode according to any one or more of a criterion for whether or not an accredited certificate fee for a transaction price transfer is free, a user terminal location criterion, or a transaction price criterion transacted through the financial institution. Is determined, and the authentication mode is determined according to the user terminal location criterion, when the user terminal is located in the same country as the country in which the accredited certification authority server is located, the accredited certificate authentication mode is determined, and the user terminal is accredited Blockchain-based fintech system, characterized in that the block chain authentication mode is determined when the institution server is not located in the same country as the country in which it is located but is located in a different country. The blockchain-based fintech system of claim 1, wherein when the user terminal and the user terminal transfer money to each other, cryptocurrency credits (CS) are used. The method of claim 1, wherein when the user terminal applies for a loan from the financial institution account management server, it is performed by a client identification system based on a distributed ledger technology allowed by a blockchain platform. Fintech system. The blockchain-based fintech system according to claim 4 or 5, wherein the financial institution account management server is managed by a blockchain. The method of claim 1, wherein the user terminal generates and stores a private key and a public key issued from the accredited certification authority server, and uses the public key to
Blockchain-based fintech system, characterized in that the request to open a security account based on a block chain certificate, which is a personal certificate of class, to an authentication key management server. The method of claim 1, wherein the authentication key management server stores and manages the user's private key and public key received from the user terminal, and when there is a request for opening an account or a transfer of a financial institution based on the blockchain certificate, the public key An accredited certificate authentication mode in which a financial institution account is transferred by sending it to a financial institution account management server to request a financial institution account opening, and a transaction payment of a financial institution account is transferred using a public key-based public certificate provided from the accredited certification institution server. Using a block chain certificate, which is a block chain-based user's personal certificate provided by the account management server, determines any one of the block chain authentication modes in which the transaction price of the financial institution account is transferred, and according to the determined authentication mode. Blockchain-based fintech system characterized by performing authentication. In a blockchain-based fintech transaction system,
A user terminal that requests a token issuance of a specific project after user authentication through membership registration or login to the token management server;
A token management server for requesting a transaction for issuing a token used for a project requested from the user terminal to a seller terminal; And when the transaction is received from the token management server, the structure of the transaction is checked through an Ethereum state conversion function based on a block chain, and an error is not returned and a token is issued only when user identification authentication is successful. Blockchain-based fintech transaction system comprising; a seller terminal provided to a user terminal. The blockchain-based fintech of claim 8, wherein when the user terminal signs up for membership in the token management server, it transmits login information, Ethereum address, email, user name, and date of birth to the token management server. system. The method of claim 9, wherein the token management server receives and stores login information, Ethereum address, email, user name, and date of birth from the user terminal when the user terminal signs up for membership. Fintech system. The method of claim 8, wherein the transaction requested by the token management server to the seller terminal includes an amount of token issuance equal to a balance size capable of identifying the requested project and an Ethereum address of the user. Fintech system. The blockchain-based fintech system of claim 8, wherein the token management server collects a fee incurred when the seller terminal issues a token to the user terminal as much as the amount of token issuance requested by the user terminal. . The method of claim 8, wherein the token management server closes the project even if the project period remains when the hard cap (HARD CARP) of a specific project conducted by the seller terminal is achieved, and the specific project conducted by the seller terminal A blockchain-based fintech system characterized by listing coins on a virtual currency exchange. The method of claim 8, wherein the token management server is an investment acquired by issuing a token to a user terminal when a specific project conducted by the seller terminal fails to achieve a soft cap during the project period. Blockchain-based fintech system, characterized in that it controls to repay all Ether to the user terminal. The method according to claim 8, wherein the token management server is configured when the number of user terminals invested in the project exceeds a preset number even though a specific project conducted by the seller terminal has not achieved a soft cap during the project period. In this case, a blockchain-based fintech system, characterized in that the coin of a specific project conducted by the seller terminal is listed on a virtual currency exchange. The method of claim 8, wherein the token management server, when the user terminal requests the return of the investment Ether invested in the token issuance before the end of the project period after the user terminal is issued a token for a specific project conducted by the seller terminal, the seller Blockchain-based fintech system, characterized in that controlling the terminal to redeem only a certain amount of investment Ether for the token to the user terminal.

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