WO2018087836A1 - Système de transaction par chaîne de blocs et procédé de transaction par chaîne de blocs - Google Patents

Système de transaction par chaîne de blocs et procédé de transaction par chaîne de blocs Download PDF

Info

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
Authority
WO
WIPO (PCT)
Prior art keywords
transaction
server
block chain
processing
predetermined
Prior art date
Application number
PCT/JP2016/083223
Other languages
English (en)
Japanese (ja)
Inventor
崇志 山岸
Original Assignee
株式会社日立製作所
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 株式会社日立製作所 filed Critical 株式会社日立製作所
Priority to PCT/JP2016/083223 priority Critical patent/WO2018087836A1/fr
Priority to JP2018549674A priority patent/JP6692450B2/ja
Publication of WO2018087836A1 publication Critical patent/WO2018087836A1/fr

Links

Images

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/18—Payment 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.

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

Le problème décrit par la présente invention est de permettre, à faible coût, la fourniture d'un service financier sécurisé par l'intermédiaire d'un terminal de transaction tel qu'un guichet automatique bancaire. La solution selon l'invention porte sur un système de transaction par chaîne de blocs (10) qui est configuré pour comprendre au moins un dispositif prédéterminé choisi parmi des dispositifs pour exécuter une série de transactions concernant une transaction financière et qui exécute une transaction prédéterminée lors de la réalisation d'un consensus dans une chaîne de blocs concernant une transaction au niveau d'un autre dispositif parmi les dispositifs.
PCT/JP2016/083223 2016-11-09 2016-11-09 Système de transaction par chaîne de blocs et procédé de transaction par chaîne de blocs WO2018087836A1 (fr)

Priority Applications (2)

Application Number Priority Date Filing Date Title
PCT/JP2016/083223 WO2018087836A1 (fr) 2016-11-09 2016-11-09 Système de transaction par chaîne de blocs et procédé de transaction par chaîne de blocs
JP2018549674A JP6692450B2 (ja) 2016-11-09 2016-11-09 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

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/JP2016/083223 WO2018087836A1 (fr) 2016-11-09 2016-11-09 Système de transaction par chaîne de blocs et procédé de transaction par chaîne de blocs

Publications (1)

Publication Number Publication Date
WO2018087836A1 true WO2018087836A1 (fr) 2018-05-17

Family

ID=62110222

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/JP2016/083223 WO2018087836A1 (fr) 2016-11-09 2016-11-09 Système de transaction par chaîne de blocs et procédé de transaction par chaîne de blocs

Country Status (2)

Country Link
JP (1) JP6692450B2 (fr)
WO (1) WO2018087836A1 (fr)

Cited By (11)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN108922018A (zh) * 2018-09-06 2018-11-30 深圳市中科智诚科技有限公司 一种基于区块链技术的安全可靠的圈存机
CN109033883A (zh) * 2018-09-06 2018-12-18 深圳市律远汇智科技有限公司 一种基于区块链技术的可自动扫描的手机刷卡器
CN109145540A (zh) * 2018-08-24 2019-01-04 广州大学 一种基于区块链的智能终端身份认证方法及装置
JP2019537348A (ja) * 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 準同型暗号を使用したブロックチェーンデータ保護
WO2020059893A1 (fr) * 2018-09-20 2020-03-26 Nec Corporation Système et procédé à base de chaîne de blocs pour une gestion fédérée de guichet automatique
JP2020512572A (ja) * 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 汎用アカウントモデルおよび準同型暗号化に基づいたブロックチェーンデータ保護
TWI694709B (zh) * 2018-06-26 2020-05-21 香港商阿里巴巴集團服務有限公司 基於區塊鏈的電子簽名方法及裝置、電子設備
KR20200079877A (ko) * 2018-12-26 2020-07-06 주식회사 호윤 스마트 컨트랙트를 지연 실행시키기 위한 블록체인 시스템
JP2020113209A (ja) * 2019-01-16 2020-07-27 株式会社Ｌｃｎｅｍ 情報処理システム
KR20210013915A (ko) * 2019-07-29 2021-02-08 고려대학교 산학협력단 트랜잭션의 스케줄링을 수행하는 블록체인 시스템 및 이를 이용한 트랜잭션 스케줄링 방법
CN113554417A (zh) * 2018-11-29 2021-10-26 创新先进技术有限公司 资源处理系统、资源项目申报的审批方法、装置及设备

Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20160224977A1 (en) * 2015-01-30 2016-08-04 Yaasha Sabba Token check offline

Family Cites Families (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP5046573B2 (ja) * 2006-06-27 2012-10-10 Ｎｅｃインフロンティア株式会社 個人認証システム、予約センタ、現金自動預入・支払機および個人認証方法
JP2008112361A (ja) * 2006-10-31 2008-05-15 Dainippon Printing Co Ltd 利用予約システム、通信端末及びそのプログラム、受付システム及びそのプログラム、ｉｃカード及びそのプログラム

Patent Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20160224977A1 (en) * 2015-01-30 2016-08-04 Yaasha Sabba Token check offline

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
YASUYUKI FUCHITA: "Blockchain to Kin'yu Torihiki no Kakushin", NOMURA CAPITAL MARKETS QUARTERLY, vol. 19, no. 2, 1 November 2015 (2015-11-01), pages 11 - 35 *

Cited By (15)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
TWI694709B (zh) * 2018-06-26 2020-05-21 香港商阿里巴巴集團服務有限公司 基於區塊鏈的電子簽名方法及裝置、電子設備
CN109145540A (zh) * 2018-08-24 2019-01-04 广州大学 一种基于区块链的智能终端身份认证方法及装置
CN109145540B (zh) * 2018-08-24 2022-02-11 广州大学 一种基于区块链的智能终端身份认证方法及装置
CN109033883A (zh) * 2018-09-06 2018-12-18 深圳市律远汇智科技有限公司 一种基于区块链技术的可自动扫描的手机刷卡器
CN108922018A (zh) * 2018-09-06 2018-11-30 深圳市中科智诚科技有限公司 一种基于区块链技术的安全可靠的圈存机
WO2020059893A1 (fr) * 2018-09-20 2020-03-26 Nec Corporation Système et procédé à base de chaîne de blocs pour une gestion fédérée de guichet automatique
JP2019537348A (ja) * 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 準同型暗号を使用したブロックチェーンデータ保護
CN113554417A (zh) * 2018-11-29 2021-10-26 创新先进技术有限公司 资源处理系统、资源项目申报的审批方法、装置及设备
US11063769B2 (en) 2018-12-21 2021-07-13 Advanced New Technologies Co., Ltd. Blockchain data protection based on generic account model and homomorphic encryption
JP2020512572A (ja) * 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 汎用アカウントモデルおよび準同型暗号化に基づいたブロックチェーンデータ保護
KR20200079877A (ko) * 2018-12-26 2020-07-06 주식회사 호윤 스마트 컨트랙트를 지연 실행시키기 위한 블록체인 시스템
KR102192032B1 (ko) * 2018-12-26 2020-12-16 주식회사 호윤 스마트 컨트랙트를 지연 실행시키기 위한 블록체인 시스템
JP2020113209A (ja) * 2019-01-16 2020-07-27 株式会社Ｌｃｎｅｍ 情報処理システム
KR20210013915A (ko) * 2019-07-29 2021-02-08 고려대학교 산학협력단 트랜잭션의 스케줄링을 수행하는 블록체인 시스템 및 이를 이용한 트랜잭션 스케줄링 방법
KR102257368B1 (ko) * 2019-07-29 2021-05-27 고려대학교 산학협력단 트랜잭션의 스케줄링을 수행하는 블록체인 시스템 및 이를 이용한 트랜잭션 스케줄링 방법

Also Published As

Publication number Publication date
JP6692450B2 (ja) 2020-05-13
JPWO2018087836A1 (ja) 2019-07-11

Similar Documents

Publication Publication Date Title
WO2018087836A1 (fr) Système de transaction par chaîne de blocs et procédé de transaction par chaîne de blocs
US12063209B2 (en) Certificate issuing system based on block chain
US12062039B2 (en) Digital asset distribution by transaction device
US11687924B2 (en) Cryptocurrency infrastructure system
US10423938B1 (en) Identifying negotiable instrument fraud using distributed ledger systems
KR101780636B1 (ko) 인증 정보의 발급 방법 및 이를 지원하는 블록체인기반 인증 정보 관리 서버
KR101799343B1 (ko) 인증 정보의 사용 방법, 파기 방법 및 이를 지원하는 블록체인기반 인증 정보 관리 서버
US20170372417A1 (en) Digital asset account management
US20240303635A1 (en) Token-based off-chain interaction authorization
US20230117833A1 (en) Interoperable mobile-initiated transactions with dynamic authentication
KR20190108666A (ko) 가상화폐 거래자금 입출금 서비스 장치 및 방법과 이를 위한 컴퓨터 프로그램
CN113240146A (zh) 基于区块链的外币兑换方法及装置
KR20190084923A (ko) 블록체인 기반의 결제 방법 및 이를 이용한 지급 결제 서버
US20230298009A1 (en) Rapid cryptocurrency transaction processing
US11361286B1 (en) Identifying negotiable instrument fraud using distributed ledger systems
JP2022037919A (ja) 金融自動化機器を用いた入出金サービスシステムと方法及びそのためのコンピュータプログラム
WO2023123153A1 (fr) Systèmes et procédés de règlement de frais de mineur entre des portefeuilles
WO2022159105A1 (fr) Équilibrage de canal d'interaction
EP4348928A1 (fr) Système et procédé pour échanger des cryptomonnaies, des actifs tokénisés et/ou des monnaies fiat sur un système de registre distribué avec de multiples institutions d'émission
KR20180010036A (ko) 핀테크 서버 및 이체 공증 서비스 제공 방법

Legal Events

Date Code Title Description
121 Ep: the epo has been informed by wipo that ep was designated in this application

Ref document number: 16920944

Country of ref document: EP

Kind code of ref document: A1

WWE Wipo information: entry into national phase

Ref document number: 2018549674

Country of ref document: JP

NENP Non-entry into the national phase

Ref country code: DE

122 Ep: pct application non-entry in european phase

Ref document number: 16920944

Country of ref document: EP

Kind code of ref document: A1