WO2018087836A1 - Blockchain transaction system and blockchain transaction method - Google Patents

Blockchain transaction system and blockchain transaction method Download PDF

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Publication number
WO2018087836A1
WO2018087836A1 PCT/JP2016/083223 JP2016083223W WO2018087836A1 WO 2018087836 A1 WO2018087836 A1 WO 2018087836A1 JP 2016083223 W JP2016083223 W JP 2016083223W WO 2018087836 A1 WO2018087836 A1 WO 2018087836A1
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transaction
server
block chain
processing
predetermined
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PCT/JP2016/083223
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French (fr)
Japanese (ja)
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崇志 山岸
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株式会社日立製作所
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Priority to PCT/JP2016/083223 priority Critical patent/WO2018087836A1/en
Priority to JP2018549674A priority patent/JP6692450B2/en
Publication of WO2018087836A1 publication Critical patent/WO2018087836A1/en

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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/10Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/18Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals

Definitions

  • the present invention relates to a block chain transaction system and a block chain transaction method.
  • 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;
  • a cash transfer system see Patent Document 1 including a transfer information processing means for executing a cash transfer process has been proposed.
  • 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.
  • 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 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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 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.
  • 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.
  • 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.
  • 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.
  • the above transaction part stores a group of transactions obtained from each node for 10 minutes.
  • 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.
  • 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 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.
  • 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 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. .
  • 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 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.
  • the above-described ATM 400 is exemplified as a transaction terminal.
  • 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.
  • 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.
  • 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.
  • 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 ---
  • 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
  • FIG. 12 is a diagram illustrating a flow example 1 of the block chain transaction method of the present embodiment.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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
  • s200 Transaction data indicating a chain address, amount: 50,000 yen, financial institution number: X bank Xxxxx
  • the biometric information obtained from the user by the biometric reader 507 is used as an electronic signature. Is given
  • FIG. 13 is a diagram illustrating a flow example 2 of the block chain transaction method according to the present embodiment.
  • 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).
  • 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.
  • 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).
  • 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.
  • the public server 100 shifts the process to the “NO” branch in step s503 in the flow of FIG.
  • 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).
  • 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).
  • the management server 200 notifies the public server 100 to that effect (s3061).
  • 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.
  • FIG. 14 is a diagram illustrating a flow example 3 of the block chain transaction method according to the present embodiment.
  • 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).
  • 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).
  • 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).
  • the biometric authentication server 300 notifies the management server 200 to that effect. (S4041).
  • 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.
  • biometric authentication server 300 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.
  • the ATM 400 displays a predetermined notification on the input / output device 406 as a block chain unconfirmed error (s409), The process ends.
  • the ATM 400 appropriately transports and discharges cash according to the transaction amount by the cash management mechanism 408 ( s410).
  • 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.
  • FIG. 15 is a diagram illustrating a flow example 4 of the block chain transaction method according to the present embodiment.
  • 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).
  • 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.
  • 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).
  • 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.
  • the public server 100 shifts the process to the “YES” branch in step s303 in the flow of FIG.
  • the public server 100 requests the management server 200 for a balance inquiry to the account host 600 (s5031).
  • 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).
  • 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).
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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
  • 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
  • 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.
  • the payment process is executed, and the transaction of the payment process is executed.
  • 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.
  • 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.
  • a secure financial transaction can be realized at a low cost by utilizing an account host and an authentication system in the closed network. .
  • a transaction terminal such as an ATM
  • an open network such as the Internet
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.

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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

ブロックチェーン取引システムおよびブロックチェーン取引方法Block chain transaction system and block chain transaction method
 本発明は、ブロックチェーン取引システムおよびブロックチェーン取引方法に関する。 The present invention relates to a block chain transaction system and a block chain transaction method.
 従来のATMは、金融機関の閉域ネットワーク網の中で勘定系ホストと通信することにより、出金/入金や振込/振替等の処理を行ってきた。一方、広く普及するスマートフォンを金融取引内容の事前入力に活用する動きもある。この場合、当該スマートフォンをNFC通信でATMと通信させ、金融取引を実行する。 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.
 このような技術として、以下の技術が提案されている。すなわち、振込機の操作に必要な時間を大幅に減らすことを課題とした、携帯端末と振込機とが通信ネットワークを介して接続された現金振込システムであって、前記携帯端末には、1又は2以上の振込情報を入力するための振込情報入力受付手段と、前記入力された振込情報を保持する振込情報保存手段と、前記振込情報を振込機に送信すると共に、前記振込機における振込処理の結果を受信する振込情報送受信手段とを具備し、前記振込機には、前記携帯端末から送信される振込情報を受信すると共に、振込処理の結果を前記携帯端末に送信するためのデータ送受信手段と、前記携帯端末から受信した振込情報を基に、現金の振込処理を実行するための振込情報処理手段とを具備する現金振込システム(特許文献1参照)などが提案されている。 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.
特開2003-281381号公報JP 2003-281181 A
 上述のスマートフォンを活用した手法は、オープンネットワークたるインターネットで通信を行うスマートフォンと、閉域ネットワーク内に存在するATMとをセキュアに接続することが困難(又は維持するためにF/Wなど外部からの攻撃に対する備えに膨大なシステム維持費用がかかる)であることを踏まえたものである。換言すれば、セキュリティとコストの両面でのリスクが大きく、ATM等の取引端末をオープンネットワークに容易に接続出来ない現状の限界とも言える。よって、ATM等の取引端末を介した種々の金融サービスを低コストかつセキュアに提供することが困難となっていた。 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.
 そこで本発明の目的は、ATM等の取引端末を介したセキュアな金融サービスを低コストで提供可能とする技術を提供することにある。 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.
 上記課題を解決する本発明のブロックチェーン取引システムは、金融取引に係る一連のトランザクションを実行する各装置のうち少なくとも一つの所定装置であって、前記各装置のうちの他の装置でのトランザクションに係るブロックチェーンの合意をもって所定のトランザクションを実行する装置、を含むことを特徴とする。 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.
 また、本発明のブロックチェーン取引方法は、金融取引に係る一連のトランザクションを実行する各装置のうち少なくとも一つの所定装置が、前記各装置のうちの他の装置でのトランザクションに係るブロックチェーンの合意をもって所定のトランザクションを実行することを特徴とする。 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.
 本発明によれば、ATM等の取引端末を介したセキュアな金融サービスを低コストで提供可能となる。 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.
本実施形態におけるブロックチェーン取引システムを含むネットワーク構成図である。It is a network block diagram including the block chain transaction system in this embodiment. 本実施形態における公開サーバのハードウェア構成例を示す図である。It is a figure which shows the hardware structural example of the public server in this embodiment. 本実施形態における管理サーバのハードウェア構成例を示す図である。It is a figure which shows the hardware structural example of the management server in this embodiment. 本実施形態における生体認証サーバのハードウェア構成例を示す図である。It is a figure which shows the hardware structural example of the biometric authentication server in this embodiment. 本実施形態におけるATMのハードウェア構成例を示す図である。It is a figure which shows the hardware structural example of ATM in this embodiment. 本実施形態におけるユーザ端末のハードウェア構成例を示す図である。It is a figure which shows the hardware structural example of the user terminal in this embodiment. 本実施形態におけるブロックチェーン履歴テーブルのデータ構成例を示す図である。It is a figure which shows the data structural example of the block chain history table in this embodiment. 本実施形態における取扱金融機関テーブルのデータ構成例を示す図である。It is a figure which shows the example of a data structure of the handling financial institution table in this embodiment. 本実施形態における口座管理テーブルのデータ構成例を示す図である。It is a figure which shows the example of a data structure of the account management table in this embodiment. 本実施形態における認証管理テーブルのデータ構成例を示す図である。It is a figure which shows the example of a data structure of the authentication management table in this embodiment. 本実施形態のブロックチェーン取引方法を適用する具体的状況例を示す図である。It is a figure which shows the specific example of a situation which applies the block chain transaction method of this embodiment. 本実施形態のブロックチェーン取引方法のフロー例1を示す図である。It is a figure which shows the example 1 of a flow of the block chain transaction method of this embodiment. 本実施形態のブロックチェーン取引方法のフロー例2を示す図である。It is a figure which shows the example 2 of a flow of the block chain transaction method of this embodiment. 本実施形態のブロックチェーン取引方法のフロー例3を示す図である。It is a figure which shows the example 3 of the flow of the block chain transaction method of this embodiment. 本実施形態のブロックチェーン取引方法のフロー例4を示す図である。It is a figure which shows the example 4 of a flow of the block chain transaction method of this embodiment.
---ネットワーク構成---
 以下に本発明の実施形態について図面を用いて詳細に説明する。図1は本実施形態のブロックチェーン取引システム10を含むネットワーク構成例を示す図である。
---- 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.
 図1に示すブロックチェーン取引システム10は、ATM等の取引端末を介したセキュアな金融サービスを低コストで提供可能とするコンピュータシステムである。 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.
 こうしたブロックチェーン取引システム10は、公開サーバ100(第1サーバ)、管理サーバ200(第2サーバ)、生体認証サーバ300(認証システム)、ATM400(取引端末)、ユーザ端末500、および、勘定系ホスト600、で構成されている。 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.
 このうち公開サーバ100は、オープンネットワークであるインターネット5に接続され、上述のATM400およびユーザ端末500とデータ通信可能となっている。 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.
 他方、管理サーバ200は、金融機関で従前から採用されているクローズドネットワークである専用回線6に接続され、生体認証サーバ300および勘定系ホスト600とデータ通信可能となっている。この管理サーバ200は、公開サーバ100から受けた各種の通知や要求の電文を、各金融機関の勘定系ホスト600ごとの電文形式に応じて変換し、該当勘定系ホスト600に送信する機能と、当該勘定系ホスト600から受けた電文を、公開サーバ100向けの電文形式に変換し、当該公開サーバ100に送信する機能を備えるものとする。勿論、この形態に限定せず、こうした電文変換機能を備えた所定の接続サーバを、管理サーバ200と勘定系ホスト600との間に配置し利用する形態を採用してもよい。 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.
 また、上述の公開サーバ100と管理サーバ200とは、ファイヤウォール20など適宜なセキュリティ装置を介して通信可能である。 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.
 上述のネットワークに含まれる装置のうち、公開サーバ100、ATM400、および、ユーザ端末500は、ブロックチェーン技術におけるノードに該当するものである。従って、それぞれのノードは、自身で実行したトランザクションのデータに電子署名を付与した上で、インターネット5を介して自分の以外の他ノード(各装置における他の装置)に公開すると共に、他ノードで実行されたトランザクションのデータを一定時間ごとにまとめたブロックとして蓄積する。こうして保持される各ブロックの真正性は、当該ブロックの生成時間帯と隣接する時間帯の他ブロックとの関係性を、所定の手順(ブロックチェーン技術における規定手法)で確認することで検証される。こうして真正性が検証されたブロックの連なりがブロックチェーンとなる。
---ハードウェア構成例---
 また、本実施形態のブロックチェーン取引システム10に含まれる各装置のハードウェア構成は以下の如くとなる。図2は、本実施形態の公開サーバ100のハードウェア構成例を示す図である。
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.
 各装置のうち、公開サーバ100は、ハードディスクドライブなど適宜な不揮発性記憶素子で構成される記憶装置101、RAMなど揮発性記憶素子で構成されるメモリ103、記憶装置101に保持されるプログラム102をメモリ103に読み出すなどして実行し装置自体の統括制御を行なうとともに各種判定、演算及び制御処理を行なう演算装置104、インターネット5、専用回線6と接続して他装置との通信処理を担う通信装置105を備える。 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.
 なお、上述の記憶装置101には、上述のプログラム102に加えて、秘密鍵110、上述のブロックチェーン120、ブロックチェーンアプリ121、ブロックチェーン履歴テーブル125、および取引金融機関テーブル126が少なくとも格納されている。このうち、ブロックチェーン履歴テーブル125および取引金融機関テーブル126の詳細については後述する。 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.
 一方、上述のブロックチェーン120は、ヘッダ部とトランザクション部とから構成されたブロックの集合体である。このブロックチェーン120におけるブロックは、10分間など一定時間ごとに生成され、互いの関係性についてブロックチェーン技術により検証されたものとなっている。また、こうした検証が連続6回すなわち6つのブロックの連なりが検証出来たブロックチェーンにおいて、先頭のブロックに関してはブロックチェーンにおける合意がなされたとされる。 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.
 また、上述のトランザクション部位は、10分間に各ノードから得たトランザクション群を格納したものである。一方、ヘッダ部は、上述のトランザクション群のハッシュ値および直前時間帯のブロックのヘッダ部のハッシュ値のセットを、ノンスと共に格納したものである。ノンスは、次ブロックとの連結条件を規定した数学的問題である。いずれにしても、こうしたブロックチェーン技術は既存のものを適宜に採用する。 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.
 また、ブロックチェーンアプリ121は、ブロックチェーン120を管理するためのアプリケーションであり、ビットコインのウォレットアプリ等と同様の既存技術によるものを適宜に採用すればよい。 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.
 また、図3に本実施形態の管理サーバ200のハードウェア構成例を示す。本実施形態の管理サーバ200は、ハードディスクドライブなど適宜な不揮発性記憶素子で構成される記憶装置201、RAMなど揮発性記憶素子で構成されるメモリ203、記憶装置201に保持されるプログラム202をメモリ203に読み出すなどして実行し装置自体の統括制御を行なうとともに各種判定、演算及び制御処理を行なう演算装置204、専用回線6と接続して他装置との通信処理を担う通信装置205を備える。 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.
 なお、上述の記憶装置201には、上述のプログラム202に加えて、口座管理テーブル225が少なくとも格納されている。この口座管理テーブル225の詳細については後述する。 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.
 また、図4に本実施形態における生体認証サーバ300のハードウェア構成例を示す。本実施形態の生体認証サーバ300は、ハードディスクドライブなど適宜な不揮発性記憶素子で構成される記憶装置301、RAMなど揮発性記憶素子で構成されるメモリ303、記憶装置301に保持されるプログラム302をメモリ303に読み出すなどして実行し装置自体の統括制御を行なうとともに各種判定、演算及び制御処理を行なう演算装置304、専用回線6と接続して他装置との通信処理を担う通信装置305を備える。 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. .
 なお、上述の記憶装置301には、上述のプログラム302に加えて、認証管理テーブル325が少なくとも格納されている。この認証管理テーブル325の詳細については後述する。 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.
 また、図5に本実施形態におけるATM400のハードウェア構成例を示す。本実施形態のATM400は、ハードディスクドライブなど適宜な不揮発性記憶素子で構成される記憶装置401、RAMなど揮発性記憶素子で構成されるメモリ403、記憶装置401に保持されるプログラム402をメモリ403に読み出すなどして実行し装置自体の統括制御を行なうとともに各種判定、演算及び制御処理を行なう演算装置404、タッチパネル等の入出力装置405、インターネット5と接続して他装置との通信処理を担う通信装置406、生体情報リーダ407、および、一般的にATMに備わる現金管理機構408を備える。なお、現金管理機構408は、現金の格納庫、搬送手段、排出/受入機構といった構成を含んでいる。 また、上述の記憶装置401には、上述のプログラム402に加えて、秘密鍵410およびブロックチェーン420が少なくとも格納されている。このブロックチェーン420およびブロックチェーンアプリ421は、上述のブロックチェーン120およびブロックチェーンアプリ121とそれぞれ同様の構成を備えるものであり、説明は省略する。 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.
 なお、本実施形態では取引端末として上述のATM400を例示したが、これに限定せず、POS端末やキャッシュレスATMといった決済処理を担う種々の端末を想定してよい。 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.
 また、図6に本実施形態におけるユーザ端末500のハードウェア構成例を示す。本実施形態のユーザ端末500は、ハードディスクドライブなど適宜な不揮発性記憶素子で構成される記憶装置501、RAMなど揮発性記憶素子で構成されるメモリ503、記憶装置501に保持されるプログラム502をメモリ503に読み出すなどして実行し装置自体の統括制御を行なうとともに各種判定、演算及び制御処理を行なう演算装置504、タッチパネル等の入出力装置505、インターネット5と接続して他装置との通信処理を担う通信装置506、および、生体情報リーダ507を備える。 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.
 なお、上述の記憶装置501には、上述のプログラム502に加えて、秘密鍵510およびブロックチェーン520が少なくとも格納されている。このうち秘密鍵510は、このユーザ端末500を使用するユーザの生体情報ないし生体情報に基づくものとなる。また、ブロックチェーン520は、上述のブロックチェーン120およびブロックチェーンアプリ121とそれぞれ同様の構成を備えるものであり、説明は省略する。
---データ構成例---
 続いて、本実施形態のブロックチェーン取引システム10を構成する各装置が用いるテーブル類について説明する。
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.
 図7に、本実施形態におけるブロックチェーン履歴テーブル125の一例を示す。ブロックチェーン履歴テーブル125は、上述の公開サーバ100が保持するテーブルであり、公開サーバ100におけるトランザクションの他、管理サーバ200を介して得た勘定系ホスト600のトランザクション、および、ATM400から得たトランザクション、の各情報を格納したテーブルである。 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.
 なお、ここでは公開サーバ100が保持するブロックチェーン履歴テーブル125について例示したが、ATM400の保持するブロックチェーン履歴テーブル425、および、ユーザ端末500の保持するブロックチェーン履歴テーブル525も同様の構成を備えている。ATM400が保持するブロックチェーン履歴テーブル425の場合、ATM400のトランザクションの他、管理サーバ200を介して得た勘定系ホスト600のトランザクション、および、ユーザ端末500から得たトランザクション、の各情報を格納したテーブルである。また、ユーザ端末500の保持するブロックチェーン履歴テーブル525の場合、ユーザ端末500のトランザクションの他、管理サーバ200を介して得た勘定系ホスト600のトランザクション、および、ATM400から得たトランザクション、の各情報を格納したテーブルである。 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
 こうしたトランザクション履歴テーブル125におけるデータ構造は、当該トランザクションが実行された時刻である取引時刻をキーとして、当該トランザクションにおける資金移動元および資金移動先、その金額、手数料、取引対象のユーザないし金融機関の国・地域、IPアドレス、金融機関番号、当該トランザクションの処理状況を示すステータス区分といったデータから成るレコードの集合体である。 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.
 図8に、本実施形態における取扱金融機関テーブル126の一例を示す。取扱金融機関テーブル126は、上述の公開サーバ100が保持するテーブルであり、上述の勘定系ホスト600それぞれの運用者たる各金融機関に関する情報を格納したテーブルである。 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.
 そのデータ構造は、金融機関番号をキーとして、金融機関名、国・地域、および、当該金融機関に関するトランザクションの取扱可否といったデータから成るレコードの集合体である。 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.
 図9に、本実施形態における口座管理テーブル225の一例を示す。口座管理テーブル225は、上述の管理サーバ200が保持するテーブルであり、ユーザ端末500のユーザと金融機関の口座とを紐付けるテーブルである。 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.
 そのデータ構造は、上述のユーザの識別情報たるブロックチェーンアドレスをキーとして、当該ユーザの保持口座に関する、金融機関番号、支店番号、科目番号、および口座番号といったデータから成るレコードの集合体である。 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.
 図10に、本実施形態における認証管理テーブル325の一例を示す。認証管理テーブル325は、生体認証サーバ300が保持するテーブルであり、ユーザ端末500のユーザの本人認証に用いる生体情報を格納したテーブルである。 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.
 そのデータ構造は、上述のユーザの識別情報たるブロックチェーンアドレスをキーとして、当該ユーザの生体情報、当該ユーザの保有口座に関する、、金融機関番号、支店番号、科目番号、および口座番号といったデータから成るレコードの集合体である。
---フロー例1---
 以下、本実施形態におけるブロックチェーン取引方法の実際手順について図に基づき説明する。以下で説明するブロックチェーン取引方法に対応する各種動作は、ブロックチェーン取引システム10を構成する、各装置がそのメモリに読み出して実行するプログラムによって実現される。そして、これらのプログラムは、以下に説明される各種の動作を行うためのコードから構成されている。
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.
 図11は本実施形態のブロックチェーン取引方法を適用する具体的状況例を示す図であり、図12は本実施形態のブロックチェーン取引方法のフロー例1を示す図である。 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.
 ここでは、本実施形態のブロックチェーン取引方法の適用例として、図11に示すように、ユーザがスマートフォンなどのユーザ端末500から金融取引の内容(例:ATMで50,000円出金)を事前登録した場合に実行される、一連のトランザクションに関してブロックチェーン取引方法を適用する状況を想定する。ここで、「事前登録」とは、ユーザ端末500が、当該事前登録のデータに電子署名を付与したトランザクションデータを、インターネット5を介して他ユーザのユーザ端末500、ATM400、および公開サーバ100に公開し(送信し)、そうした公開先の各装置のブロックチェーンにおける所定ブロックに格納されることを意味する。 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.
 ここで、上述のユーザは、ユーザ端末500を操作して、予めインストールされているブロックチェーンアプリ521を起動し、このブロックチェーンアプリ521のインターフェイスにて、「A銀行のATMで50,000円を出金」といった所望の金融取引の内容を入力し、事前登録指示を行う。 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.
 この場合、ユーザ端末500は、上述の金融取引の内容(例えば、取引種類:「ATMから出金」、資金移動元:該当ユーザのブロックチェーンアドレス、資金移動先:A銀行の別段預金口座のブロックチェーンアドレス、金額:50,0000円、金融機関番号:A銀行のXxxx)を示す取引データを生成し(s200)、これに生体情報リーダ507により当該ユーザから得た生体情報を秘密鍵として電子署名を付与する(s201)。ユーザ端末500は、こうして電子署名が付与された取引データ、すなわちトランザクションは、上述したように、公開先の各装置に公開する。
---フロー例2---
 次に、上述のユーザによるトランザクションに関して、公開サーバ100、管理サーバ200、および勘定系ホスト600で行う処理について説明する。図13は、本実施形態におけるブロックチェーン取引方法のフロー例2を示す図である。
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.
 この場合、公開サーバ100は、上述のユーザ端末500から公開されたトランザクションを、ブロックチェーンアプリ121によって(以下同様)、ブロックチェーン120における、現時間帯のブロックに格納し(s300)、ブロックチェーン120におけるブロック間の関係性を確認し、当該ブロックの真正性を検証する(s301)。なお、この検証で当該トランザクションを含むブロックの真正性が確認出来なかった場合、公開サーバ100は、改ざん等の不正処理がなされたトランザクションとしてブロックチェーン技術における所定措置をとる。 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.
 次に、公開サーバ100は、当該トランザクションが含む金融機関番号をキーに、取扱金融機関テーブル126を検索し、該当金融機関「A銀行」たる「Xxxx」の取扱可否を判定する(s302)。 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).
 上述の判定の結果、該当金融機関が取扱不可であった場合(s302:NO)、公開サーバ100は処理を終了する。 As a result of the above determination, when the corresponding financial institution cannot be handled (s302: NO), the public server 100 ends the process.
 他方、上述の判定の結果、該当金融機関が取扱可であった場合(s302:YES)、公開サーバ100は、該当トランザクションが示す取引内容が資金移動登録取引か判定する(s303)。上述の例であれば、取引種類が「ATMからの出金」であり、資金移動元と資金移動先が指定されていることから、資金移動登録取引であると判定される。 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.
 上述の判定の結果、資金移動登録取引でなかった場合(s303:NO)、公開サーバ100は、処理を後述する図15のフローにおけるステップs503の、「NO」分岐に遷移させる。 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.
 他方、上述の判定の結果、資金移動登録取引であった場合(s303:YES)、公開サーバ100は、管理サーバ200に対し、勘定系ホスト600への残高照会を依頼する(s3031)。公開サーバ100は、この依頼に際し、残高照会の対象である上述のユーザのブロックチェーンアドレスと、上述の金融取引の内容が示す「金額」(以後、取引金額)の値とを、管理サーバ200に通知するものとする。 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.
 管理サーバ200は、この依頼を受信し、依頼が含むブロックチェーンアドレスをキーに、口座管理テーブル225を参照して、当該ユーザの保有口座の情報を取得し、当該口座の情報を含む残高照会要求を、勘定系ホスト600に通知する(s304)。 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).
 一方、勘定系ホスト600は、上述の残高照会要求を管理サーバ200から受信し、該当ユーザの保有口座における残高を確認し、当該口座の残高の値を管理サーバ200に回答する(s305)。 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).
 管理サーバ200は、勘定系ホスト600からの回答を得て、当該残高が上述の取引金額以上であるか判定する(s306)。 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).
 上述の判定の結果、該当ユーザの口座残高が上述の取引金額より少なかった場合(s306:NO)、管理サーバ200は、その旨を公開サーバ100に通知する(s3061)。 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).
 一方、上述の判定の結果、該当ユーザの口座残高が上述の取引金額以上であった場合(s306:YES)、管理サーバ200は、該当取引金額を該当ユーザの保有口座から別段預金口座へと移動する資金移動指示を、勘定系ホスト600に通知する(s3062)。 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).
 勘定系ホスト600は、上述の資金移動指示を受けて、該当ユーザの保有口座から取引金額を出金し、これを別段預金口座に移す勘定系処理を実行し(s307)、その処理の完了を管理サーバ200に通知する。 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.
 管理サーバ200は、資金移動完了の通知を受けて、これを公開サーバ100に伝達する(s308)。 The management server 200 receives the notification of funds transfer completion and transmits it to the public server 100 (s308).
 公開サーバ100は、上述の資金移動完了の通知を受信し、当該資金移動に係るトランザクションを生成し(s309)、これに秘密鍵110(予め該当銀行から得てセキュアに管理されているもの)で電子署名を付与し(s310)、処理を終了する。 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.
 公開サーバ100は、こうして電子署名を付与した取引データ、すなわちトランザクションを、上述したように公開先の各装置に公開する。
---フロー例3---
 次に、上述のユーザが実際にATM400を訪れて、出金を行う状況に対応した処理について説明する。図14は、本実施形態におけるブロックチェーン取引方法のフロー例3を示す図である。
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.
 この場合、ATM400は、ブロックチェーンアプリ421を用い(以下同様)、ブロックチェーン420において、各ブロックが含むトランザクションのステータス区分を参照し、ATMでの処理待ち状態を示す所定のステータス区分を示すトランザクションを抽出する(s400)。 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).
 また、ATM400は、このATM400を訪れたユーザの操作に応じて、生体情報リーダ407にて、当該ユーザの生体情報を取得し、これを含む生体認証の依頼を、公開サーバ100に送信する(s401)。 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). ).
 公開サーバ100は、この依頼に応じた認証要求を管理サーバ200に通知する(s4011)。 The public server 100 notifies the management server 200 of an authentication request corresponding to this request (s4011).
 管理サーバ200は、この認証要求を生体認証サーバ300に送信する(s402)。 The management server 200 transmits this authentication request to the biometric authentication server 300 (s402).
 一方、生体認証サーバ300は、上述の認証要求を受信し、当該認証要求が含む生体情報を、認証管理テーブル325に照合し、マッチする生体情報が存在するか判定する(s403)。 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).
 上述の判定の結果、マッチする生体情報が認証管理テーブル325に存在しなかった場合、すなわち認証に成功しなかった場合(404:NO)、生体認証サーバ300は、その旨を管理サーバ200に通知する(s4041)。 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).
 この場合、管理サーバ200は、認証エラーと判定し、その旨を公開サーバ100に通知する(s405)。公開サーバ100も、この認証エラーの旨をATM400に返す(S4051)。ATM400は、認証エラーの通知を公開サーバ100から受けて、その旨を入出力装置405に表示させ(s406)、処理を終了する。 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.
 他方、上述の判定の結果、マッチする生体情報が認証管理テーブル325に存在した場合、すなわち認証に成功した場合(404:YES)、生体認証サーバ300は、その旨を管理サーバ200に通知する(s4042)。この通知には、認証に成功したユーザのブロックチェーンアドレス(認証管理テーブル325から取得)を含めるものとする。 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.
 管理サーバ200も、この認証成功の旨を公開サーバ100に返す(S407)。公開サーバ100も、この認証成功の旨をATM400に返す(s4071)。 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).
 ATM400は、認証成功の通知を公開サーバ100から受けて、当該認証に成功したユーザのブロックチェーンアドレスをキーに、上述のs400で得ている各トランザクションを検索し、該当ユーザに関するトランザクションを含むブロックに関して検証され、一定時間が経過したブロックチェーンであるか、すなわちブロックチェーンに関して合意が得られているか、ブロックチェーン420にて確認する(s408)。当該確認はブロックチェーン技術における一般的手法にて行う。 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.
 上述の確認の結果、ブロックチェーンに関して合意が無い、すなわち確定していない場合(s408:NO)、ATM400は、ブロックチェーン未確定エラーとして、所定の通知を入出力装置406に表示し(s409)、処理を終了する。 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.
 他方、上述の確認の結果、ブロックチェーンに関して合意がある、すなわち確定している場合(s408:YES)、ATM400は、取引金額に応じた現金を、現金管理機構408により適宜に搬送、排出する(s410)。 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).
 また、ATM400は、上述の出金の完了に伴うトランザクションに、該当ユーザの生体情報を秘密鍵として電子署名を付与し(s412)、処理を終了する。 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.
 ATM400は、こうして電子署名を付与した取引データ、すなわちトランザクションを、上述したように公開先の各装置に公開する。
---フロー例4---
 次に、上述の出金完了を受けて、勘定系ホスト600にて別段預金口座から実際の出金処理を行うことに関連した各処理について説明する。図15は、本実施形態におけるブロックチェーン取引方法のフロー例4を示す図である。
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.
 この場合、公開サーバ100は、上述のATM400から公開されたトランザクションを、ブロックチェーンアプリ121によって(以下同様)、ブロックチェーン120における、現時間帯のブロックに格納し(s500)、ブロックチェーン120におけるブロック間の関係性を確認し、当該ブロックの真正性を検証する(s501)。なお、この検証で当該トランザクションを含むブロックの真正性が確認出来なかった場合、公開サーバ100は、改ざん等の不正処理がなされたトランザクションとしてブロックチェーン技術における所定措置をとる。 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.
 次に、公開サーバ100は、当該トランザクションが含む金融機関番号をキーに、取扱金融機関テーブル126を検索し、該当金融機関「A銀行」たる「Xxxx」の取扱可否を判定する(s502)。 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).
 上述の判定の結果、該当金融機関が取扱不可であった場合(s502:NO)、公開サーバ100は処理を終了する。 As a result of the above determination, when the corresponding financial institution cannot be handled (s502: NO), the public server 100 ends the process.
 他方、上述の判定の結果、該当金融機関が取扱可であった場合(s502:YES)、公開サーバ100は、該当トランザクションが示す取引内容が資金移動完了取引か判定する(s503)。上述のフロー例3の結果によれば出金完了のトランザクションが公開されており、資金移動完了取引であると判定される。 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.
 上述の判定の結果、資金移動完了取引でなかった場合(s503:NO)、公開サーバ100は、処理を図13のフローにおけるステップs303の、「YES」分岐に遷移させる。 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.
 他方、上述の判定の結果、資金移動完了取引であった場合(s503:YES)、公開サーバ100は、管理サーバ200に対し、勘定系ホスト600への残高照会を依頼する(s5031)。公開サーバ100は、この依頼に際し、残高照会の対象である上述の別段預金口座のブロックチェーンアドレスと、上述のATM400で出金完了となった金額(以後、出金金額)の値とを、管理サーバ200に通知するものとする。 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.
 管理サーバ200は、この依頼を受信し、依頼が含むブロックチェーンアドレスをキーに、口座管理テーブル225を参照して、当該別段預金口座の情報を取得し、当該口座の情報を含む残高照会要求を、勘定系ホスト600に通知する(s504)。 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).
 一方、勘定系ホスト600は、上述の残高照会要求を管理サーバ200から受信し、該当別段預金口座における残高を確認し、当該口座の残高の値を管理サーバ200に回答する(s505)。 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).
 管理サーバ200は、勘定系ホスト600からの回答を得て、当該残高が上述の出金金額以上であるかことを確認して、該当出金金額を該当別段預金口座から出金する資金移動指示を、勘定系ホスト600に通知する(s506)。 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).
 一方、勘定系ホスト600は、上述の資金移動指示を受けて、該当別段預金口座から出金金額を出金、すなわち該当金額の差し引き処理を行う勘定系処理を実行し(s507)、その処理の完了を管理サーバ200に通知する。 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.
 管理サーバ200は、資金移動完了の通知を受けて、これを公開サーバ100に伝達する(s508)。 The management server 200 receives the notification of the completion of the transfer of funds and transmits it to the public server 100 (s508).
 公開サーバ100は、上述の資金移動完了の通知を受信し、当該資金移動に係るトランザクションを生成し(s509)、これに秘密鍵110(予め該当銀行から得てセキュアに管理されているもの)で電子署名を付与し(s510)、処理を終了する。 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.
 公開サーバ100は、こうして電子署名を付与した取引データ、すなわちトランザクションを、上述したように公開先の各装置に公開する。 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.
 本実施形態によれば、ATM等の取引端末をセキュアな状態を保ちつつインターネットに公開し、金融機関における既存の閉域ネットワークシステムとの連携を実現することが出来る。こうした技術において、各取引のトランザクションをブロックチェーンとして各端末等で分散保持し、共有することで、安全で確実な金融取引の処理を低コストで実現する。ひいては、金融機関におけるシステム等の管理、維持コストを削減可能となり、また、ATM等の取引端末毎にNFCや特別なハードを導入することなく、各利用者のスマートフォンとの連携が可能となる。 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.
 よって、ATM等の取引端末を介したセキュアな金融サービスを低コストで提供可能となる。 Therefore, it is possible to provide a secure financial service via a transaction terminal such as ATM at a low cost.
 本明細書の記載により、少なくとも次のことが明らかにされる。すなわち、本実施形態のブロックチェーン取引システムにおいて、前記各装置は、前記金融取引の事前予約に係るトランザクションのデータを他の装置に公開するユーザ端末と、前記事前予約に伴う勘定系ホストでの処理のトランザクションのデータを他の装置に公開するサーバシステムと、前記勘定系ホストでの処理に伴う、前記金融取引における決済処理のトランザクションのデータを他の装置に公開する取引端末と、を含み、前記各装置のうち少なくともいずれかが、前記各装置のうちの他の装置でのトランザクションに係るブロックチェーンの合意をもって所定のトランザクションを実行する装置である、としてもよい。 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.
 これによれば、スマートフォンなどのユーザ端末、このユーザ端末でなされた金融取引の事前予約に関する適宜な処理を勘定系ホストや認証システムに仲介するサーバシステム、および、上述の事前予約がなされた金融取引に基づく現金入出金などを行うATMなどの取引端末、での一連のトランザクションに係るブロックチェーンの合意(これら各装置での検証による合意)をもって、改ざん困難でセキュアな金融取引を、特段の大規模投資の投入無く実現出来ることととなる。ひいては、ATM等の取引端末を介したセキュアな金融サービスを低コストで提供可能となる。 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.
 本実施形態のブロックチェーン取引システムにおいて、前記ユーザ端末は、前記事前予約に係るトランザクションに対し、ユーザの生体情報を秘密鍵として電子署名を付与して前記公開を行うものであり、前記サーバシステムは、前記勘定系ホストでの処理のトランザクションに対し、当該サーバシステムを運用する金融機関の秘密鍵により電子署名を付与して前記公開を行うものであり、前記取引端末は、所定装置で読み取った前記ユーザの生体情報を、前記サーバシステムを介して所定の認証システムに送信して当該認証の結果を取得し、当該認証に成功した場合、前記決済処理を実行し、当該決済処理のトランザクションに対し、前記読み取った前記ユーザの生体情報を秘密鍵として電子署名を付与して前記公開を行うものである、としてもよい。 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.
 これによれば、ユーザの生体情報を秘密鍵として電子署名を付与したセキュアなトランザクションを起点としたブロックチェーンにて、その合意を契機に所定のトランザクションを取引端末等で実行することが可能となる。ひいては、ATM等の取引端末を介したよりセキュアな金融サービスを低コストで提供可能となる。 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.
 本実施形態のブロックチェーン取引システムにおいて、前記サーバシステムは、オープンネットワークを介して前記ユーザ端末および前記取引端末と接続された第1サーバと、所定のセキュリティ手段を介して前記第1サーバと接続され、前記認証システムおよび前記勘定系ホストとクローズドネットワークで接続された第2サーバとから構成されており、前記第1サーバは、前記事前予約に伴う勘定系ホストでの処理、および、前記生体情報に基づく生体認証の処理を、前記第2サーバに依頼し、前記第2サーバは、前記依頼のうち前記事前予約に伴うものを前記勘定系ホストに送信して該当処理を要求し、前記依頼のうち前記生体認証に伴うものを前記認証システムに送信して該当処理を要求し、前記要求のそれぞれに応じた処理結果を勘定系ホストから取得し、当該処理結果を前記第1サーバに返すものである、としてもよい。 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.
 これによれば、インターネットなどのオープンネットワークにATM等の取引端末を接続した上で、クローズドネットワーク内の勘定系ホストや認証システムも活用して、セキュアな金融取引を低コストで実現出来ることとなる。ひいては、ATM等の取引端末を介したセキュアな金融サービスを低コストで提供可能となる。 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.
 本実施形態のブロックチェーン取引システムにおいて、前記第1サーバが、前記金融取引に係る前記トランザクションが示す金融機関の識別情報に基づき、ブロックチェーンのうちの所定ブロックから、前記金融取引を担当する金融機関に係る該当トランザクションを絞り込み、当該トランザクションに関して、処理を実行する、としてもよい。 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.
 これによれば、膨大な数のブロックチェーン中から、処理すべきトランザクションを含むブロックを効率良く特定し、処理の迅速化を図ることが可能となる。ひいては、ATM等の取引端末を介したセキュアな金融サービスを低コストで提供可能となる。 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.
 本実施形態のブロックチェーン取引システムにおいて、前記取引端末が、前記金融取引に係る前記トランザクションが示す処理ステータスに基づき、ブロックチェーンのうちの所定ブロックから、取引端末での処理待ち段階となっている該当トランザクションを絞り込み、当該トランザクションに関して、処理を実行する、としてもよい。 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.
 これによれば、膨大な数のブロックチェーン中から、処理すべきトランザクションを含むブロックを効率良く特定し、処理の迅速化を図ることが可能となる。ひいては、ATM等の取引端末を介したセキュアな金融サービスを低コストで提供可能となる。 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.
 本実施形態のブロックチェーン取引方法において、前記各装置である、ユーザ端末が、前記金融取引の事前予約に係るトランザクションのデータを他の装置に公開し、サーバシステムが、前記事前予約に伴う勘定系ホストでの処理のトランザクションのデータを他の装置に公開し、取引端末が、前記勘定系ホストでの処理に伴う、前記金融取引における決済処理のトランザクションのデータを他の装置に公開し、前記各装置のうち少なくともいずれかが、前記各装置のうちの他の装置でのトランザクションに係るブロックチェーンの合意をもって所定のトランザクションを実行する、としてもよい。 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.
 本実施形態のブロックチェーン取引方法において、前記ユーザ端末が、前記事前予約に係るトランザクションに対し、ユーザの生体情報を秘密鍵として電子署名を付与して前記公開を行い、前記サーバシステムが、前記勘定系ホストでの処理のトランザクションに対し、当該サーバシステムを運用する金融機関の秘密鍵により電子署名を付与して前記公開を行い、前記取引端末が、所定装置で読み取った前記ユーザの生体情報を、前記サーバシステムを介して所定の認証システムに送信して当該認証の結果を取得し、当該認証に成功した場合、前記決済処理を実行し、当該決済処理のトランザクションに対し、前記読み取った前記ユーザの生体情報を秘密鍵として電子署名を付与して前記公開を行う、としてもよい。 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.
 本実施形態のブロックチェーン取引方法において、前記サーバシステムが、オープンネットワークを介して前記ユーザ端末および前記取引端末と接続された第1サーバと、所定のセキュリティ手段を介して前記第1サーバと接続され、前記認証システムおよび前記勘定系ホストとクローズドネットワークで接続された第2サーバとから構成されており、前記第1サーバが、前記事前予約に伴う勘定系ホストでの処理、および、前記生体情報に基づく生体認証の処理を、前記第2サーバに依頼し、前記第2サーバが、前記依頼のうち前記事前予約に伴うものを前記勘定系ホストに送信して該当処理を要求し、前記依頼のうち前記生体認証に伴うものを前記認証システムに送信して該当処理を要求し、前記要求のそれぞれに応じた処理結果を勘定系ホストから取得し、当該処理結果を前記第1サーバに返す、としてもよい。 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.
 本実施形態のブロックチェーン取引方法において、前記第1サーバが、前記金融取引に係る前記トランザクションが示す金融機関の識別情報に基づき、ブロックチェーンのうちの所定ブロックから、前記金融取引を担当する金融機関に係る該当トランザクションを絞り込み、当該トランザクションに関して、処理を実行する、としてもよい。 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.
 本実施形態のブロックチェーン取引方法において、前記取引端末が、前記金融取引に係る前記トランザクションが示す処理ステータスに基づき、ブロックチェーンのうちの所定ブロックから、取引端末での処理待ち段階となっている該当トランザクションを絞り込み、当該トランザクションに関して、処理を実行する、としてもよい。 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 インターネット(オープンネットワーク)
6 専用回線(クローズドネットワーク)
10 ブロックチェーン取引システム
20 ファイヤウォール
100 公開サーバ(第1サーバ)
101 記憶装置
102 プログラム
103 メモリ
104 演算装置
105 通信装置
110 秘密鍵
120 ブロックチェーン
121 ブロックチェーンアプリ
125 ブロックチェーン履歴テーブル
126 取扱金融機関テーブル
200 管理サーバ(第2サーバ)
201 記憶装置
202 プログラム
203 メモリ
204 演算装置
205 通信装置
225 口座管理テーブル
300 生体認証サーバ(生体認証システム)
301 記憶装置
302 プログラム
303 メモリ
304 演算装置
305 通信装置
325 認証管理テーブル
400 ATM(取引端末)
401 記憶装置
402 プログラム
403 メモリ
404 演算装置
405 入出力装置
406 通信装置
407 生体情報リーダ
410 秘密鍵
420 ブロックチェーン
421 ブロックチェーンアプリ
425 ブロックチェーン履歴テーブル
500 ユーザ端末
501 記憶装置
502 プログラム
503 メモリ
504 演算装置
505 入出力装置
506 通信装置
507 生体情報リーダ
510 秘密鍵(生体情報)
520 ブロックチェーン
521 ブロックチェーンアプリ
525 ブロックチェーン履歴テーブル
600 勘定系ホスト
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 (12)

  1.  金融取引に係る一連のトランザクションを実行する各装置のうち少なくとも一つの所定装置であって、前記各装置のうちの他の装置でのトランザクションに係るブロックチェーンの合意をもって所定のトランザクションを実行する装置、を含むことを特徴とするブロックチェーン取引システム。 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:
  2.  前記各装置は、
     前記金融取引の事前予約に係るトランザクションのデータを他の装置に公開するユーザ端末と、前記事前予約に伴う勘定系ホストでの処理のトランザクションのデータを他の装置に公開するサーバシステムと、前記勘定系ホストでの処理に伴う、前記金融取引における決済処理のトランザクションのデータを他の装置に公開する取引端末と、を含み、
     前記各装置のうち少なくともいずれかが、前記各装置のうちの他の装置でのトランザクションに係るブロックチェーンの合意をもって所定のトランザクションを実行する装置である、
     ことを特徴とする請求項1に記載のブロックチェーン取引システム。
    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.
  3.  前記ユーザ端末は、
     前記事前予約に係るトランザクションに対し、ユーザの生体情報を秘密鍵として電子署名を付与して前記公開を行うものであり、
     前記サーバシステムは、
     前記勘定系ホストでの処理のトランザクションに対し、当該サーバシステムを運用する金融機関の秘密鍵により電子署名を付与して前記公開を行うものであり、
     前記取引端末は、
     所定装置で読み取った前記ユーザの生体情報を、前記サーバシステムを介して所定の認証システムに送信して当該認証の結果を取得し、当該認証に成功した場合、前記決済処理を実行し、当該決済処理のトランザクションに対し、前記読み取った前記ユーザの生体情報を秘密鍵として電子署名を付与して前記公開を行うものである、
     ことを特徴とする請求項2に記載のブロックチェーン取引システム。
    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.
  4.  前記サーバシステムは、
     オープンネットワークを介して前記ユーザ端末および前記取引端末と接続された第1サーバと、所定のセキュリティ手段を介して前記第1サーバと接続され、前記認証システムおよび前記勘定系ホストとクローズドネットワークで接続された第2サーバとから構成されており、
     前記第1サーバは、前記事前予約に伴う勘定系ホストでの処理、および、前記生体情報に基づく生体認証の処理を、前記第2サーバに依頼し、前記第2サーバは、前記依頼のうち前記事前予約に伴うものを前記勘定系ホストに送信して該当処理を要求し、前記依頼のうち前記生体認証に伴うものを前記認証システムに送信して該当処理を要求し、前記要求のそれぞれに応じた処理結果を勘定系ホストから取得し、当該処理結果を前記第1サーバに返すものである、
     ことを特徴とする請求項3に記載のブロックチェーン取引システム。
    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.
  5.  前記第1サーバが、
     前記金融取引に係る前記トランザクションが示す金融機関の識別情報に基づき、ブロックチェーンのうちの所定ブロックから、前記金融取引を担当する金融機関に係る該当トランザクションを絞り込み、当該トランザクションに関して、処理を実行する、
     ことを特徴とする請求項4に記載のブロックチェーン取引システム。
    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.
  6.  前記取引端末が、
     前記金融取引に係る前記トランザクションが示す処理ステータスに基づき、ブロックチェーンのうちの所定ブロックから、取引端末での処理待ち段階となっている該当トランザクションを絞り込み、当該トランザクションに関して、処理を実行する、
     ことを特徴とする請求項4に記載のブロックチェーン取引システム。
    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.
  7.  金融取引に係る一連のトランザクションを実行する各装置のうち少なくとも一つの所定装置が、前記各装置のうちの他の装置でのトランザクションに係るブロックチェーンの合意をもって所定のトランザクションを実行することを特徴とするブロックチェーン取引方法。 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.
  8.  前記各装置である、
     ユーザ端末が、
     前記金融取引の事前予約に係るトランザクションのデータを他の装置に公開し、
     サーバシステムが、
     前記事前予約に伴う勘定系ホストでの処理のトランザクションのデータを他の装置に公開し、
     取引端末が、
     前記勘定系ホストでの処理に伴う、前記金融取引における決済処理のトランザクションのデータを他の装置に公開し、
     前記各装置のうち少なくともいずれかが、前記各装置のうちの他の装置でのトランザクションに係るブロックチェーンの合意をもって所定のトランザクションを実行する、
     ことを特徴とする請求項7に記載のブロックチェーン取引方法。
    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.
  9.  前記ユーザ端末が、
     前記事前予約に係るトランザクションに対し、ユーザの生体情報を秘密鍵として電子署名を付与して前記公開を行い、
     前記サーバシステムが、
     前記勘定系ホストでの処理のトランザクションに対し、当該サーバシステムを運用する金融機関の秘密鍵により電子署名を付与して前記公開を行い、
     前記取引端末が、
     所定装置で読み取った前記ユーザの生体情報を、前記サーバシステムを介して所定の認証システムに送信して当該認証の結果を取得し、当該認証に成功した場合、前記決済処理を実行し、当該決済処理のトランザクションに対し、前記読み取った前記ユーザの生体情報を秘密鍵として電子署名を付与して前記公開を行う、
     ことを特徴とする請求項8に記載のブロックチェーン取引方法。
    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:
  10.  前記サーバシステムが、
     オープンネットワークを介して前記ユーザ端末および前記取引端末と接続された第1サーバと、所定のセキュリティ手段を介して前記第1サーバと接続され、前記認証システムおよび前記勘定系ホストとクローズドネットワークで接続された第2サーバとから構成されており、
     前記第1サーバが、前記事前予約に伴う勘定系ホストでの処理、および、前記生体情報に基づく生体認証の処理を、前記第2サーバに依頼し、前記第2サーバが、前記依頼のうち前記事前予約に伴うものを前記勘定系ホストに送信して該当処理を要求し、前記依頼のうち前記生体認証に伴うものを前記認証システムに送信して該当処理を要求し、前記要求のそれぞれに応じた処理結果を勘定系ホストから取得し、当該処理結果を前記第1サーバに返す、
     ことを特徴とする請求項9に記載のブロックチェーン取引方法。
    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.
  11.  前記第1サーバが、
     前記金融取引に係る前記トランザクションが示す金融機関の識別情報に基づき、ブロックチェーンのうちの所定ブロックから、前記金融取引を担当する金融機関に係る該当トランザクションを絞り込み、当該トランザクションに関して、処理を実行する、
     ことを特徴とする請求項9に記載のブロックチェーン取引方法。
    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.
  12.  前記取引端末が、
     前記金融取引に係る前記トランザクションが示す処理ステータスに基づき、ブロックチェーンのうちの所定ブロックから、取引端末での処理待ち段階となっている該当トランザクションを絞り込み、当該トランザクションに関して、処理を実行する、
     ことを特徴とする請求項9に記載のブロックチェーン取引方法。
    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.
PCT/JP2016/083223 2016-11-09 2016-11-09 Blockchain transaction system and blockchain transaction method WO2018087836A1 (en)

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WO2020059893A1 (en) * 2018-09-20 2020-03-26 Nec Corporation Blockchain-based system and method for federated automated teller machine management
JP2019537348A (en) * 2018-11-07 2019-12-19 アリババ・グループ・ホールディング・リミテッドAlibaba Group Holding Limited Blockchain data protection using homomorphic encryption
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JP2020512572A (en) * 2018-12-21 2020-04-23 アリババ・グループ・ホールディング・リミテッドAlibaba Group Holding Limited Blockchain data protection based on universal account model and homomorphic encryption
KR20200079877A (en) * 2018-12-26 2020-07-06 주식회사 호윤 Blockchain system for delaying execution of smart contract
KR102192032B1 (en) * 2018-12-26 2020-12-16 주식회사 호윤 Blockchain system for delaying execution of smart contract
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KR20210013915A (en) * 2019-07-29 2021-02-08 고려대학교 산학협력단 Blockchain system for transaction scheduling and method for transaction scheduling using the same
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