WO2018087836A1

WO2018087836A1 - Blockchain transaction system and blockchain transaction method

Info

Publication number: WO2018087836A1
Application number: PCT/JP2016/083223
Authority: WO
Inventors: 崇志山岸
Original assignee: 株式会社日立製作所
Priority date: 2016-11-09
Filing date: 2016-11-09
Publication date: 2018-05-17
Also published as: JP6692450B2; JPWO2018087836A1

Abstract

[Problem] To enable, at low cost, provision of a secure financial service through a transaction terminal such as an ATM. [Solution] A blockchain transaction system 10 is configured to include at least one predetermined device which is among devices for executing a series of transactions concerning a financial transaction and which executes a predetermined transaction when achieving a consensus in a blockchain concerning a transaction at another one of the devices.

Description

Block chain transaction system and block chain transaction method

The present invention relates to a block chain transaction system and a block chain transaction method.

Conventional ATMs have been processing withdrawals / payments and transfers / transfers by communicating with an accounting host in a closed network of a financial institution. On the other hand, there is also a movement to utilize widely spread smartphones for advance input of financial transaction contents. In this case, the smart phone is communicated with the ATM by NFC communication to execute a financial transaction.

The following technologies have been proposed as such technologies. That is, a cash transfer system in which a portable terminal and a transfer machine are connected via a communication network, with the object of greatly reducing the time required for the operation of the transfer machine. Transfer information input receiving means for inputting two or more transfer information, transfer information storage means for holding the input transfer information, and transmitting the transfer information to the transfer machine, and transfer processing in the transfer machine A transfer information transmission / reception means for receiving a result, and the transfer machine receives the transfer information transmitted from the portable terminal and transmits / receives the result of the transfer process to the portable terminal; Based on the transfer information received from the portable terminal, a cash transfer system (see Patent Document 1) including a transfer information processing means for executing a cash transfer process has been proposed. There.

JP 2003-281181 A

The above-described method using a smartphone is difficult to connect securely to a smartphone that communicates on the Internet, which is an open network, and an ATM that exists in a closed network (or an external attack such as F / W to maintain it). It is based on the fact that enormous system maintenance costs are required to prepare for In other words, the risks in both security and cost are great, and it can be said that the current limit is that a transaction terminal such as ATM cannot be easily connected to an open network. Therefore, it has been difficult to provide various financial services via transaction terminals such as ATMs at low cost and securely.

Therefore, an object of the present invention is to provide a technique that can provide a secure financial service via a transaction terminal such as an ATM at a low cost.

The blockchain transaction system of the present invention that solves the above problem is at least one predetermined device among devices that execute a series of transactions related to financial transactions, and is used for transactions in other devices among the devices. And a device that executes a predetermined transaction with the agreement of the block chain.

The blockchain transaction method according to the present invention also includes a blockchain agreement for at least one predetermined device among each device that executes a series of transactions related to a financial transaction. And a predetermined transaction is executed.

According to the present invention, it is possible to provide a secure financial service via a transaction terminal such as an ATM at a low cost.

It is a network block diagram including the block chain transaction system in this embodiment. It is a figure which shows the hardware structural example of the public server in this embodiment. It is a figure which shows the hardware structural example of the management server in this embodiment. It is a figure which shows the hardware structural example of the biometric authentication server in this embodiment. It is a figure which shows the hardware structural example of ATM in this embodiment. It is a figure which shows the hardware structural example of the user terminal in this embodiment. It is a figure which shows the data structural example of the block chain history table in this embodiment. It is a figure which shows the example of a data structure of the handling financial institution table in this embodiment. It is a figure which shows the example of a data structure of the account management table in this embodiment. It is a figure which shows the example of a data structure of the authentication management table in this embodiment. It is a figure which shows the specific example of a situation which applies the block chain transaction method of this embodiment. It is a figure which shows the example 1 of a flow of the block chain transaction method of this embodiment. It is a figure which shows the example 2 of a flow of the block chain transaction method of this embodiment. It is a figure which shows the example 3 of the flow of the block chain transaction method of this embodiment. It is a figure which shows the example 4 of a flow of the block chain transaction method of this embodiment.

---- Network configuration ---
Embodiments of the present invention will be described below in detail with reference to the drawings. FIG. 1 is a diagram showing a network configuration example including a block chain transaction system 10 of the present embodiment.

A block chain transaction system 10 shown in FIG. 1 is a computer system that can provide a secure financial service via a transaction terminal such as an ATM at a low cost.

Such a blockchain transaction system 10 includes a public server 100 (first server), a management server 200 (second server), a biometric authentication server 300 (authentication system), an ATM 400 (transaction terminal), a user terminal 500, and an accounting host. 600.

Among these, the public server 100 is connected to the Internet 5 which is an open network, and is capable of data communication with the ATM 400 and the user terminal 500 described above.

On the other hand, the management server 200 is connected to the dedicated line 6 which is a closed network that has been adopted by financial institutions, and is capable of data communication with the biometric authentication server 300 and the billing system host 600. The management server 200 converts various notifications and request messages received from the public server 100 according to the message format for each account host 600 of each financial institution, and transmits the message to the account host 600. A message received from the account host 600 is converted into a message format for the public server 100 and transmitted to the public server 100. Of course, the present invention is not limited to this form, and a form in which a predetermined connection server having such a message conversion function is arranged and used between the management server 200 and the accounting host 600 may be employed.

In addition, the public server 100 and the management server 200 described above can communicate with each other via an appropriate security device such as the firewall 20.

Of the devices included in the network described above, the public server 100, the ATM 400, and the user terminal 500 correspond to nodes in the block chain technology. Accordingly, each node gives an electronic signature to data of transactions executed by itself, and then discloses it to other nodes other than itself (other devices in each device) via the Internet 5 and also at other nodes. The data of executed transactions is accumulated as a block that is collected at regular intervals. The authenticity of each block held in this way is verified by confirming the relationship between the generation time zone of the block and other blocks in the adjacent time zone by a predetermined procedure (specified method in the block chain technology). . A series of blocks whose authenticity is verified in this way becomes a block chain.
--- Hardware configuration example ---
In addition, the hardware configuration of each device included in the blockchain transaction system 10 of the present embodiment is as follows. FIG. 2 is a diagram illustrating a hardware configuration example of the public server 100 according to the present embodiment.

Among each device, the public server 100 includes a storage device 101 configured with an appropriate non-volatile storage element such as a hard disk drive, a memory 103 configured with a volatile storage element such as a RAM, and a program 102 held in the storage device 101. A communication device that performs communication control with other devices by connecting to the arithmetic unit 104, the Internet 5, and the dedicated line 6 for performing various determinations, computations, and control processes while performing overall control of the device itself by reading it into the memory 103 105.

The storage device 101 stores at least the secret key 110, the block chain 120, the block chain application 121, the block chain history table 125, and the transaction financial institution table 126 in addition to the program 102 described above. Yes. Among these, details of the block chain history table 125 and the transaction financial institution table 126 will be described later.

On the other hand, the block chain 120 described above is an aggregate of blocks composed of a header part and a transaction part. The blocks in the block chain 120 are generated at regular intervals such as 10 minutes, and their relationship is verified by the block chain technology. In addition, in such a block chain in which such verification has been verified six times in succession, that is, a series of six blocks can be verified, it is assumed that an agreement in the block chain has been made for the leading block.

In addition, the above transaction part stores a group of transactions obtained from each node for 10 minutes. On the other hand, the header part stores a set of the hash value of the above-described transaction group and the hash value of the header part of the block in the immediately preceding time zone together with the nonce. Nonce is a mathematical problem that defines the connection condition with the next block. In any case, the existing block chain technology is appropriately adopted.

Further, the block chain application 121 is an application for managing the block chain 120, and an application based on an existing technology similar to a bit coin wallet application may be appropriately employed.

FIG. 3 shows a hardware configuration example of the management server 200 of the present embodiment. The management server 200 according to the present embodiment stores a storage device 201 configured with an appropriate nonvolatile storage element such as a hard disk drive, a memory 203 configured with a volatile storage element such as a RAM, and a program 202 held in the storage device 201. The processing unit 204 includes an arithmetic unit 204 that performs overall control of the apparatus itself by reading out to 203 and performing various determinations, calculations, and control processes, and a communication unit 205 that is connected to the dedicated line 6 and performs communication processing with other apparatuses.

Note that the storage device 201 stores at least an account management table 225 in addition to the program 202 described above. Details of the account management table 225 will be described later.

FIG. 4 shows a hardware configuration example of the biometric authentication server 300 according to this embodiment. The biometric authentication server 300 according to the present embodiment includes a storage device 301 configured by an appropriate nonvolatile storage element such as a hard disk drive, a memory 303 configured by a volatile storage element such as a RAM, and a program 302 held in the storage device 301. A calculation device 304 that performs read-out to the memory 303 and executes the overall control of the device itself and performs various determinations, calculations, and control processing, and a communication device 305 that is connected to the dedicated line 6 and performs communication processing with other devices. .

Note that the storage device 301 stores at least an authentication management table 325 in addition to the program 302 described above. Details of the authentication management table 325 will be described later.

FIG. 5 shows a hardware configuration example of the ATM 400 in this embodiment. The ATM 400 according to this embodiment includes a storage device 401 configured with an appropriate nonvolatile storage element such as a hard disk drive, a memory 403 configured with a volatile storage element such as a RAM, and a program 402 held in the storage device 401 in the memory 403. Communication that performs communication processing with other devices by connecting to the arithmetic device 404, the touch panel or other input / output device 405, and the Internet 5 for performing overall control of the device itself by executing such operations as reading and performing various determinations, computations, and control processing A device 406, a biological information reader 407, and a cash management mechanism 408 generally provided in an ATM are provided. The cash management mechanism 408 includes configurations such as a cash hangar, a transport means, and a discharge / acceptance mechanism. Further, in addition to the program 402 described above, the storage device 401 stores at least a secret key 410 and a block chain 420. The block chain 420 and the block chain application 421 have the same configuration as the block chain 120 and the block chain application 121, respectively, and a description thereof will be omitted.

In the present embodiment, the above-described ATM 400 is exemplified as a transaction terminal. However, the present invention is not limited to this, and various terminals responsible for settlement processing such as a POS terminal and a cashless ATM may be assumed.

FIG. 6 shows a hardware configuration example of the user terminal 500 in the present embodiment. The user terminal 500 according to the present embodiment includes a storage device 501 configured with an appropriate nonvolatile storage element such as a hard disk drive, a memory 503 configured with a volatile storage element such as a RAM, and a program 502 held in the storage device 501. The computer 504 is read and executed to perform overall control of the device itself and perform various determinations, computations, and control processes, an input / output device 505 such as a touch panel, and the Internet 5 to perform communication processing with other devices. A communication device 506 and a biological information reader 507 are provided.

The storage device 501 stores at least a secret key 510 and a block chain 520 in addition to the program 502 described above. Among these, the secret key 510 is based on biometric information or biometric information of the user who uses the user terminal 500. The block chain 520 has the same configuration as the block chain 120 and the block chain application 121 described above, and a description thereof will be omitted.
--- Data configuration example ---
Next, tables used by each device constituting the block chain transaction system 10 of the present embodiment will be described.

FIG. 7 shows an example of the block chain history table 125 in the present embodiment. The block chain history table 125 is a table held by the public server 100 described above. In addition to transactions in the public server 100, transactions of the accounting host 600 obtained via the management server 200, and transactions obtained from the ATM 400, It is a table storing each information.

Although the block chain history table 125 held by the public server 100 is illustrated here, the block chain history table 425 held by the ATM 400 and the block chain history table 525 held by the user terminal 500 have the same configuration. Yes. In the case of the block chain history table 425 held by the ATM 400, a table storing each information of the transaction of the accounting host 600 obtained through the management server 200 and the transaction obtained from the user terminal 500 in addition to the transaction of the ATM 400. It is. Further, in the case of the block chain history table 525 held by the user terminal 500, in addition to the transaction of the user terminal 500, each information of the transaction of the account host 600 obtained via the management server 200 and the transaction obtained from the ATM 400 Is a table storing

The data structure in the transaction history table 125 is such that the transaction time, which is the time when the transaction is executed, as a key, the fund transfer source and fund transfer destination, the amount, the fee, the country of the transaction target user or financial institution. A collection of records including data such as region, IP address, financial institution number, and status classification indicating the processing status of the transaction.

FIG. 8 shows an example of the handling financial institution table 126 in the present embodiment. The handling financial institution table 126 is a table held by the public server 100 described above, and is a table that stores information related to each financial institution that is an operator of each of the account-type hosts 600 described above.

The data structure is a collection of records composed of data such as financial institution name, country / region, and availability of transactions related to the financial institution with the financial institution number as a key.

FIG. 9 shows an example of the account management table 225 in the present embodiment. The account management table 225 is a table held by the management server 200 described above, and is a table that associates the user of the user terminal 500 with an account of a financial institution.

The data structure is a collection of records including data such as a financial institution number, a branch number, a subject number, and an account number related to the user's holding account with the block chain address as the above-described user identification information as a key.

FIG. 10 shows an example of the authentication management table 325 in the present embodiment. The authentication management table 325 is a table held by the biometric authentication server 300, and stores biometric information used for user authentication of the user terminal 500.

The data structure is composed of data such as a financial institution number, a branch number, a subject number, and an account number related to the user's biometric information, the user's owned account, using the block chain address as the user identification information described above as a key. A collection of records.
--- Flow Example 1 ---
Hereinafter, the actual procedure of the blockchain transaction method in the present embodiment will be described with reference to the drawings. Various operations corresponding to the blockchain transaction method described below are realized by a program that is read by the respective devices and constituting the blockchain transaction system 10 and executed. These programs are composed of codes for performing various operations described below.

FIG. 11 is a diagram illustrating an example of a specific situation where the block chain transaction method of the present embodiment is applied, and FIG. 12 is a diagram illustrating a flow example 1 of the block chain transaction method of the present embodiment.

Here, as an application example of the block chain transaction method of the present embodiment, as shown in FIG. 11, the user pre-describes the contents of the financial transaction (eg, withdrawal of 50,000 yen by ATM) from the user terminal 500 such as a smartphone. Assume a situation in which the blockchain transaction method is applied to a series of transactions executed when registered. Here, “pre-registration” means that the user terminal 500 publishes the transaction data obtained by adding an electronic signature to the pre-registration data to the user terminal 500, the ATM 400, and the public server 100 of other users via the Internet 5. (Send) means that the data is stored in a predetermined block in the block chain of each device to be disclosed.

Here, the above-described user operates the user terminal 500 to start the block chain application 521 installed in advance, and at the interface of the block chain application 521, “A bank ATM is 50,000 yen. Enter the contents of the desired financial transaction such as “withdrawal” and give pre-registration instructions.

In this case, the user terminal 500 displays the contents of the above-described financial transaction (for example, transaction type: “withdrawal from ATM”, fund transfer source: block chain address of the corresponding user, fund transfer destination: block of a separate deposit account of bank A Transaction data indicating a chain address, amount: 50,000 yen, financial institution number: X bank Xxxxx) is generated (s200), and the biometric information obtained from the user by the biometric reader 507 is used as an electronic signature. Is given (s201). As described above, the user terminal 500 publishes the transaction data to which the electronic signature has been given, that is, the transaction, to each disclosure destination device.
--- Flow example 2 ---
Next, processing performed by the public server 100, the management server 200, and the account host 600 with respect to the above-described user transaction will be described. FIG. 13 is a diagram illustrating a flow example 2 of the block chain transaction method according to the present embodiment.

In this case, the public server 100 stores the transaction published from the above-described user terminal 500 in the block of the current time zone in the block chain 120 (s300) by the block chain application 121 (hereinafter the same), and the block chain 120 The relationship between the blocks is confirmed, and the authenticity of the block is verified (s301). When the authenticity of the block including the transaction cannot be confirmed by this verification, the public server 100 takes a predetermined measure in the block chain technology as a transaction that has been subjected to an unauthorized process such as tampering.

Next, the public server 100 searches the handling financial institution table 126 using the financial institution number included in the transaction as a key, and determines whether or not “Xxxx” that is the corresponding financial institution “A bank” can be handled (s302).

As a result of the above determination, when the corresponding financial institution cannot be handled (s302: NO), the public server 100 ends the process.

On the other hand, as a result of the above determination, if the corresponding financial institution is available (s302: YES), the public server 100 determines whether the transaction content indicated by the transaction is a fund transfer registration transaction (s303). In the above example, since the transaction type is “withdrawal from ATM” and the fund transfer source and the fund transfer destination are designated, it is determined that the transaction is a fund transfer registration transaction.

As a result of the above determination, if the transaction is not a fund transfer registration transaction (s303: NO), the public server 100 shifts the process to the “NO” branch in step s503 in the flow of FIG.

On the other hand, if the result of the determination is a fund transfer registration transaction (s303: YES), the public server 100 requests the management server 200 for a balance inquiry to the account host 600 (s3031). At the time of this request, the public server 100 sends to the management server 200 the block chain address of the above-mentioned user who is the object of balance inquiry and the value of “amount” (hereinafter referred to as transaction amount) indicated by the contents of the above-mentioned financial transaction. Shall be notified.

The management server 200 receives this request, refers to the account management table 225 using the block chain address included in the request as a key, acquires information on the account held by the user, and receives a balance inquiry request including the account information To the accounting host 600 (s304).

On the other hand, the account host 600 receives the balance inquiry request from the management server 200, confirms the balance in the account held by the user, and returns the balance value of the account to the management server 200 (s305).

The management server 200 obtains an answer from the account host 600 and determines whether the balance is equal to or greater than the above transaction amount (s306).

As a result of the above determination, when the account balance of the corresponding user is smaller than the above transaction amount (s306: NO), the management server 200 notifies the public server 100 to that effect (s3061).

On the other hand, as a result of the above determination, if the account balance of the corresponding user is greater than or equal to the above transaction amount (s306: YES), the management server 200 moves the corresponding transaction amount from the account held by the user to a separate deposit account. The fund transfer instruction to be sent is notified to the accounting host 600 (s3062).

The account host 600 receives the above-mentioned funds transfer instruction, executes the account process that withdraws the transaction amount from the account held by the user and transfers it to another deposit account (s307), and completes the process. Notify the management server 200.

The management server 200 receives the notification of funds transfer completion and transmits it to the public server 100 (s308).

The public server 100 receives the funds transfer completion notification described above, generates a transaction related to the funds transfer (s309), and uses the secret key 110 (which is obtained in advance from the bank and securely managed). An electronic signature is assigned (s310), and the process ends.

The publishing server 100 publishes the transaction data to which the electronic signature has been given in this way, that is, the transaction, to each publishing destination device as described above.
--- Flow example 3 ---
Next, processing corresponding to a situation where the above-described user actually visits the ATM 400 and makes a withdrawal will be described. FIG. 14 is a diagram illustrating a flow example 3 of the block chain transaction method according to the present embodiment.

In this case, the ATM 400 uses the block chain application 421 (the same applies hereinafter), refers to the status classification of the transaction included in each block in the block chain 420, and displays a transaction indicating a predetermined status classification indicating a processing waiting state at the ATM. Extract (s400).

Also, the ATM 400 acquires the biometric information of the user by the biometric information reader 407 in response to the operation of the user who visited the ATM 400, and transmits a biometric authentication request including this to the public server 100 (s401). ).

The public server 100 notifies the management server 200 of an authentication request corresponding to this request (s4011).

The management server 200 transmits this authentication request to the biometric authentication server 300 (s402).

Meanwhile, the biometric authentication server 300 receives the above-described authentication request, collates the biometric information included in the authentication request with the authentication management table 325, and determines whether there is matching biometric information (s403).

As a result of the above determination, if the matching biometric information does not exist in the authentication management table 325, that is, if the authentication is not successful (404: NO), the biometric authentication server 300 notifies the management server 200 to that effect. (S4041).

In this case, the management server 200 determines an authentication error and notifies the public server 100 to that effect (s405). The public server 100 also returns an authentication error message to the ATM 400 (S4051). The ATM 400 receives the notification of the authentication error from the public server 100, displays that fact on the input / output device 405 (s406), and ends the process.

On the other hand, as a result of the above determination, if biometric information that matches is present in the authentication management table 325, that is, if the authentication is successful (404: YES), the biometric authentication server 300 notifies the management server 200 to that effect ( s4042). This notification includes the block chain address (obtained from the authentication management table 325) of the user who has been successfully authenticated.

The management server 200 also returns to the public server 100 that the authentication is successful (S407). The public server 100 also returns the success of authentication to the ATM 400 (s4071).

The ATM 400 receives a notification of successful authentication from the public server 100, searches each transaction obtained in the above s400 using the block chain address of the user who has succeeded in authentication as a key, and relates to the block including the transaction related to the user. It is verified in the block chain 420 whether the block chain has been verified and a certain time has passed, that is, whether an agreement has been obtained regarding the block chain (s408). The confirmation is performed by a general method in blockchain technology.

As a result of the above confirmation, if there is no agreement regarding the block chain, that is, it has not been confirmed (s408: NO), the ATM 400 displays a predetermined notification on the input / output device 406 as a block chain unconfirmed error (s409), The process ends.

On the other hand, as a result of the above confirmation, if there is an agreement regarding the block chain, that is, it has been confirmed (s408: YES), the ATM 400 appropriately transports and discharges cash according to the transaction amount by the cash management mechanism 408 ( s410).

Further, the ATM 400 gives an electronic signature to the transaction accompanying the completion of the above-mentioned withdrawal using the biometric information of the corresponding user as a secret key (s412), and ends the process.

The ATM 400 publishes the transaction data thus provided with the electronic signature, that is, the transaction, to each disclosure destination device as described above.
--- Flow example 4 ---
Next, each processing related to the actual withdrawal processing from the separate deposit account at the accounting host 600 upon receipt of the above withdrawal will be described. FIG. 15 is a diagram illustrating a flow example 4 of the block chain transaction method according to the present embodiment.

In this case, the public server 100 stores the transaction published from the above-described ATM 400 in the block of the current time zone in the block chain 120 (s500) by the block chain application 121 (same below), and blocks in the block chain 120 The relationship between the blocks is confirmed, and the authenticity of the block is verified (s501). When the authenticity of the block including the transaction cannot be confirmed by this verification, the public server 100 takes a predetermined measure in the block chain technology as a transaction that has been subjected to an unauthorized process such as tampering.

Next, the public server 100 searches the handling financial institution table 126 using the financial institution number included in the transaction as a key, and determines whether or not “Xxxx” that is the corresponding financial institution “A bank” can be handled (s502).

As a result of the above determination, when the corresponding financial institution cannot be handled (s502: NO), the public server 100 ends the process.

On the other hand, as a result of the determination described above, if the corresponding financial institution is available (s502: YES), the public server 100 determines whether the transaction content indicated by the transaction is a fund transfer completion transaction (s503). According to the result of the above flow example 3, the withdrawal completion transaction is disclosed, and it is determined that the transaction is a fund transfer completion transaction.

As a result of the above determination, if the transaction is not a fund transfer completion transaction (s503: NO), the public server 100 shifts the process to the “YES” branch in step s303 in the flow of FIG.

On the other hand, as a result of the above determination, if the transaction is a funds transfer completion transaction (s503: YES), the public server 100 requests the management server 200 for a balance inquiry to the account host 600 (s5031). At the time of this request, the public server 100 manages the block chain address of the above-mentioned separate deposit account that is the target of the balance inquiry and the value of the amount of money withdrawn at the above-mentioned ATM 400 (hereinafter referred to as the amount of withdrawal). The server 200 is notified.

The management server 200 receives this request, refers to the account management table 225 using the block chain address included in the request as a key, obtains information on the separate deposit account, and issues a balance inquiry request including the account information. The accounting system host 600 is notified (s504).

On the other hand, the account host 600 receives the balance inquiry request from the management server 200, confirms the balance in the corresponding separate deposit account, and returns the balance value of the account to the management server 200 (s505).

The management server 200 obtains an answer from the account host 600, confirms whether the balance is equal to or greater than the above-mentioned withdrawal amount, and issues a funds transfer instruction for withdrawing the withdrawal amount from the corresponding separate deposit account. Is sent to the accounting host 600 (s506).

On the other hand, the account host 600 receives the above-mentioned funds transfer instruction and executes an account process that withdraws the withdrawal amount from the corresponding separate deposit account, that is, performs a deduction process of the corresponding amount (s507). The management server 200 is notified of completion.

The management server 200 receives the notification of the completion of the transfer of funds and transmits it to the public server 100 (s508).

The public server 100 receives the fund transfer completion notification described above, generates a transaction related to the fund transfer (s509), and uses it with a secret key 110 (previously obtained from the bank and securely managed). An electronic signature is assigned (s510), and the process ends.

The publishing server 100 publishes the transaction data thus assigned with the electronic signature, that is, the transaction, to each device as a publishing destination as described above.

According to this embodiment, a transaction terminal such as an ATM can be disclosed to the Internet while maintaining a secure state, and cooperation with an existing closed network system in a financial institution can be realized. In such a technology, the transaction of each transaction is distributed and held in each terminal as a block chain, and shared, thereby realizing safe and reliable financial transaction processing at low cost. Eventually, management and maintenance costs of systems and the like in financial institutions can be reduced, and cooperation with each user's smartphone is possible without introducing NFC or special hardware for each transaction terminal such as ATM.

Therefore, it is possible to provide a secure financial service via a transaction terminal such as ATM at a low cost.

記載 At least the following will be made clear by the description in this specification. That is, in the blockchain transaction system of the present embodiment, each of the devices is a user terminal that publishes transaction data related to the advance reservation of the financial transaction to another device, and an account host associated with the advance reservation. A server system that publishes processing transaction data to another device; and a transaction terminal that publishes settlement processing transaction data in the financial transaction accompanying the processing at the account host to another device; At least one of the devices may be a device that executes a predetermined transaction with an agreement of a block chain related to a transaction in another device of the devices.

According to this, a user terminal such as a smartphone, a server system that mediates an appropriate process related to advance reservation of a financial transaction made at the user terminal to an accounting host or an authentication system, and the financial transaction for which the advance reservation has been made With a blockchain agreement (agreement by verification with each device) related to a series of transactions at ATMs and other transaction terminals that perform cash deposits and withdrawals based on the above, it is difficult to tamper with and secure financial transactions at a particularly large scale This can be achieved without investment. As a result, it is possible to provide a secure financial service via a transaction terminal such as an ATM at a low cost.

In the blockchain transaction system of the present embodiment, the user terminal performs the disclosure by giving an electronic signature to the transaction related to the advance reservation, using the biometric information of the user as a secret key, and the server system. Is to perform the disclosure by giving an electronic signature to the transaction of the processing at the accounting host by using a secret key of a financial institution operating the server system, and the transaction terminal is read by a predetermined device The biometric information of the user is transmitted to a predetermined authentication system via the server system to obtain the result of the authentication. When the authentication is successful, the payment process is executed, and the transaction of the payment process is executed. In addition, the read biometric information of the user is used as a secret key to give an electronic signature and perform the publication. It may be.

According to this, it becomes possible to execute a predetermined transaction at a transaction terminal or the like with a block chain starting from a secure transaction to which an electronic signature is given using the biometric information of the user as a secret key. . As a result, a more secure financial service can be provided at low cost via a transaction terminal such as ATM.

In the blockchain transaction system of this embodiment, the server system is connected to the first server connected to the user terminal and the transaction terminal via an open network, and to the first server via a predetermined security means. The authentication system and a second server connected to the billing host through a closed network, the first server processing the billing host associated with the advance reservation, and the biological information Requesting the second server to perform biometric authentication processing based on the request, the second server transmitting the request accompanying the advance reservation to the accounting host and requesting the corresponding processing, and requesting the request Among them, the one accompanying the biometric authentication is transmitted to the authentication system to request the corresponding process, and the processing result corresponding to each of the requests Obtained from the accounting host is one that returns the processing result to the first server may be.

According to this, after connecting a transaction terminal such as an ATM to an open network such as the Internet, a secure financial transaction can be realized at a low cost by utilizing an account host and an authentication system in the closed network. . As a result, it is possible to provide a secure financial service via a transaction terminal such as an ATM at a low cost.

In the block chain transaction system of the present embodiment, the first server is a financial institution in charge of the financial transaction from a predetermined block of the block chain based on the identification information of the financial institution indicated by the transaction related to the financial transaction It is also possible to narrow down the relevant transactions related to and to execute processing for the transactions.

According to this, it is possible to efficiently identify a block including a transaction to be processed from a huge number of block chains and to speed up the processing. As a result, it is possible to provide a secure financial service via a transaction terminal such as an ATM at a low cost.

In the block chain transaction system of the present embodiment, the transaction terminal is in a process waiting stage at the transaction terminal from a predetermined block of the block chain based on the processing status indicated by the transaction related to the financial transaction. The transactions may be narrowed down and processing may be executed for the transaction.

In the blockchain transaction method of the present embodiment, the user terminal, which is each of the devices, publishes transaction data related to the advance reservation of the financial transaction to another device, and the server system performs an account accompanying the advance reservation. The transaction data of the processing in the system host is disclosed to another device, and the transaction terminal discloses the data of the transaction of the settlement processing in the financial transaction accompanying the processing in the account host to the other device, At least one of the devices may execute a predetermined transaction with an agreement of a block chain related to a transaction in another device of the devices.

In the blockchain transaction method of the present embodiment, the user terminal performs the disclosure by giving an electronic signature using the biometric information of the user as a secret key to the transaction related to the advance reservation, and the server system An electronic signature is given to the transaction of the processing at the accounting host with a secret key of a financial institution operating the server system, and the disclosure is performed. The biometric information of the user read by the transaction terminal is read by a predetermined device. , Acquiring the authentication result by transmitting to the predetermined authentication system via the server system, and executing the payment process when the authentication is successful, and reading the user for the transaction of the payment process The biometric information may be used as a secret key and an electronic signature may be given to make the disclosure public.

In the blockchain transaction method of the present embodiment, the server system is connected to the first server connected to the user terminal and the transaction terminal via an open network, and to the first server via a predetermined security means. And a second server connected to the authentication system and the accounting host through a closed network, and the first server performs processing at the accounting host associated with the advance reservation, and the biological information Requesting the second server to perform biometric authentication processing based on the request, the second server sending the request accompanying the advance reservation to the accounting host and requesting the corresponding processing, and the request Among them, the one accompanying the biometric authentication is sent to the authentication system to request the corresponding processing, and the processing result corresponding to each of the requests is taken into account. Acquired from the system host, and returns the processing result to the first server may be.

In the block chain transaction method of this embodiment, the first server is a financial institution in charge of the financial transaction from a predetermined block of the block chain based on the identification information of the financial institution indicated by the transaction related to the financial transaction. It is also possible to narrow down the relevant transactions related to and to execute processing for the transactions.

In the block chain transaction method of the present embodiment, the transaction terminal is in a process waiting stage at the transaction terminal from a predetermined block of the block chain based on the process status indicated by the transaction related to the financial transaction. The transactions may be narrowed down and processing may be executed for the transaction.

5 Internet (open network)
6 Dedicated line (closed network)
10 Blockchain transaction system 20 Firewall 100 Public server (first server)
101 Storage Device 102 Program 103 Memory 104 Computing Device 105 Communication Device 110 Private Key 120 Block Chain 121 Block Chain Application 125 Block Chain History Table 126 Handling Financial Institution Table 200 Management Server (Second Server)
201 Storage Device 202 Program 203 Memory 204 Computing Device 205 Communication Device 225 Account Management Table 300 Biometric Authentication Server (Biometric Authentication System)
301 Storage Device 302 Program 303 Memory 304 Computing Device 305 Communication Device 325 Authentication Management Table 400 ATM (Transaction Terminal)
401 storage device 402 program 403 memory 404 arithmetic device 405 input / output device 406 communication device 407 biometric information reader 410 secret key 420 block chain 421 block chain application 425 block chain history table 500 user terminal 501 storage device 502 program 503 memory 504 arithmetic device 505 Input / output device 506 Communication device 507 Biometric reader 510 Private key (biometric information)
520 Blockchain 521 Blockchain application 525 Blockchain history table 600 Account host

Claims

An apparatus that executes at least one predetermined apparatus among a plurality of apparatuses that execute a series of transactions related to a financial transaction, and that executes a predetermined transaction with an agreement of a block chain related to a transaction at another apparatus among the apparatuses; A blockchain transaction system characterized by including:
Each device is
A user terminal that publishes transaction data relating to the advance reservation of the financial transaction to another device; a server system that publishes transaction data of a transaction in the accounting host accompanying the advance reservation to another device; A transaction terminal that publishes the transaction data of the settlement process in the financial transaction to other devices in accordance with the processing at the account host,
At least one of the devices is a device that executes a predetermined transaction with an agreement of a block chain related to a transaction in another device of the devices,
The block chain transaction system according to claim 1.
The user terminal is
For the transaction related to the advance reservation, the biometric information of the user is used as a secret key to give the electronic signature and perform the publication,
The server system is
For the transaction of the processing at the accounting host, the electronic signature is given by the secret key of the financial institution operating the server system, and the publication is performed.
The transaction terminal
The biometric information of the user read by a predetermined device is transmitted to a predetermined authentication system via the server system to acquire the authentication result. When the authentication is successful, the payment processing is executed, For the processing transaction, the read biometric information of the user is used as a secret key to give an electronic signature, and the publication is performed.
The block chain transaction system according to claim 2.
The server system is
A first server connected to the user terminal and the transaction terminal via an open network, connected to the first server via a predetermined security means, and connected to the authentication system and the accounting host via a closed network. And a second server,
The first server requests the second server to perform processing at the account host associated with the advance reservation and biometric authentication based on the biometric information, and the second server includes the request Sending the advance reservation to the accounting host to request the corresponding process, sending the request to the biometric authentication to the authentication system to request the corresponding process, Is obtained from the accounting host and returns the processing result to the first server.
The block chain transaction system according to claim 3.
The first server is
Based on the identification information of the financial institution indicated by the transaction related to the financial transaction, the corresponding transaction related to the financial institution in charge of the financial transaction is narrowed down from a predetermined block of the block chain, and the process is executed for the transaction.
The block chain transaction system according to claim 4.
The transaction terminal is
Based on the processing status indicated by the transaction related to the financial transaction, from the predetermined block in the block chain, narrow down the corresponding transaction that is waiting for processing at the transaction terminal, and execute the process for the transaction.
The block chain transaction system according to claim 4.
At least one predetermined device out of each device that executes a series of transactions related to a financial transaction executes the predetermined transaction with an agreement of a block chain related to a transaction in another device among the devices Blockchain trading method to do.
Each of the devices,
User terminal
Publish the transaction data related to the advance reservation of the financial transaction to other devices,
Server system
Publish the transaction data of the processing host account associated with the advance reservation to other devices,
The transaction terminal
The transaction data of the settlement processing in the financial transaction accompanying the processing at the account host is disclosed to another device,
At least one of the devices executes a predetermined transaction with an agreement of a block chain related to a transaction in another device of the devices,
The block chain transaction method according to claim 7.
The user terminal is
For the transaction related to the advance reservation, the user's biometric information is used as a secret key to give an electronic signature and perform the publication,
The server system is
For the transaction of processing at the accounting host, the electronic signature is given with the secret key of the financial institution operating the server system, and the publication is performed,
The transaction terminal is
The biometric information of the user read by a predetermined device is transmitted to a predetermined authentication system via the server system to acquire the authentication result. When the authentication is successful, the payment processing is executed, For the processing transaction, the read biometric information of the user is used as a secret key to give an electronic signature, and the publication is performed.
The block chain transaction method according to claim 8, wherein:
The server system is
A first server connected to the user terminal and the transaction terminal via an open network, connected to the first server via a predetermined security means, and connected to the authentication system and the accounting host via a closed network. And a second server,
The first server requests the second server to perform processing at the account host associated with the advance reservation and biometric authentication based on the biometric information, and the second server includes the request Sending the advance reservation to the accounting host to request the corresponding process, sending the request to the biometric authentication to the authentication system to request the corresponding process, A processing result corresponding to the information is acquired from the accounting host, and the processing result is returned to the first server.
The block chain transaction method according to claim 9.
The first server is
Based on the identification information of the financial institution indicated by the transaction related to the financial transaction, the corresponding transaction related to the financial institution in charge of the financial transaction is narrowed down from a predetermined block of the block chain, and the process is executed for the transaction.
The block chain transaction method according to claim 9.
The transaction terminal is
Based on the processing status indicated by the transaction related to the financial transaction, from the predetermined block in the block chain, narrow down the corresponding transaction that is waiting for processing at the transaction terminal, and execute the process for the transaction.
The block chain transaction method according to claim 9.