WO2020022528A1 - Système et procédé destinés à générer un code de sécurité ou un compte virtuel - Google Patents

Système et procédé destinés à générer un code de sécurité ou un compte virtuel Download PDF

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Publication number
WO2020022528A1
WO2020022528A1 PCT/KR2018/008321 KR2018008321W WO2020022528A1 WO 2020022528 A1 WO2020022528 A1 WO 2020022528A1 KR 2018008321 W KR2018008321 W KR 2018008321W WO 2020022528 A1 WO2020022528 A1 WO 2020022528A1
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WIPO (PCT)
Prior art keywords
code
color
user terminal
virtual account
color code
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PCT/KR2018/008321
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English (en)
Korean (ko)
Inventor
박희영
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박희영
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Publication of WO2020022528A1 publication Critical patent/WO2020022528A1/fr

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    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3227—Aspects of commerce using mobile devices [M-devices] using secure elements embedded in M-devices
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/381—Currency conversion
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Definitions

  • the technical field of the present invention relates to a system and method for generating a security code or a virtual account, and in particular, a one-time user directly through a user terminal with respect to a fixed value such as a security code or a transaction account (or a wallet address) to be hacked.
  • a security code or virtual account generation system and method are implemented that generate a security code or virtual account.
  • a virtual account service is a service that is deposited into a virtual account when a customer deposits it into a virtual account using a window of a main bank or another bank, PC banking, Internet banking, smartphone banking, or an ATM device.
  • these virtual account services are mainly used by operators who need to collect money.
  • a virtual account generation method a branch number, a serial number, a check number, and a serial number are generated in order and provided to the company free of charge. That is, the virtual account generation method may be generated by a random number generation method.
  • the virtual account created in this way is not friendly to the customer, the customer has a disadvantage of increasing the possibility of error input when entering the account number.
  • Korean Patent Publication No. 10-2016-0070932 discloses a virtual account number generation method and a server of a financial company that executes the same. Receiving an enterprise request number from a terminal of the; Receiving a customer request number from a terminal of a customer associated with the enterprise; And generating a virtual account number using at least one of a predetermined company number, an enterprise request number, and a customer request number.
  • a virtual account number is generated and provided to a company using a predetermined company number, a company request number, and a customer request number, so that the virtual account number can be generated using a user-friendly numbering system.
  • a virtual account number can be generated using the gold number to generate a profit from the virtual account usage fee.
  • Korean Patent Publication No. 10-2017-0019148 (published on Feb. 21, 2017) provides a virtual account management device that securely establishes a virtual account so that user convenience and device security can be improved.
  • a virtual account management method and apparatus therefor that can improve user convenience and device security by providing a virtual account management device that provides a service.
  • a virtual account management method of an account management apparatus the method comprising: receiving a first user authentication request for creating a virtual account from a financial server and transmitting a request to a communication server; And if the authentication is successful, receiving a user authentication success notification from the communication server and transmitting the notification to the financial server.
  • the problem to be solved by the present invention is to solve the above-mentioned disadvantages or necessity, the user through a user terminal for a fixed value such as a security code or a transaction account (or wallet address) to be hacked
  • the present invention provides a security code or virtual account generation system and method implemented to directly generate a one-time security code or virtual account.
  • a welcome color selected by randomly selecting a color code by combining each color pixel selected as a user's autonomous pattern and receiving an arrival color code
  • a user terminal combined with a code to regenerate a final color code and convert the final color code into a promised security code or virtual account number to generate a one-time security code or virtual account;
  • a central server which randomly lands among the color codes transmitted from the user terminal and transmits the extracted color codes to the user terminal.
  • the user terminal in the case of each color pixel, causes the plurality of colors to be combined to produce one combined color code, and in the case of each color code, the plurality of colors required to form the selected color. It is characterized in that it is generated by increasing the color code in a combined separation method for extracting and separating the two colors.
  • the color code is generated only at the user terminal.
  • the user terminal may arrange color pixels hidden on the touch panel in an automatic position conversion structure to allow a user to select color pixels.
  • the user terminal comprising the steps of: transmitting a combined color code to the central server by combining each color pixel selected as the autonomous pattern of the user; Transmitting, by the central server, a color code transmitted from the user terminal to the user terminal at random; Regenerating, by the user terminal, a final color code by combining a landing color code transmitted from the central server and a randomly selected welcome color code; And generating, by the user terminal, the one-time security code or the virtual account by converting the final color code into the promised security code or the virtual account number.
  • a security code implemented by a user to directly generate a one-time security code or a virtual account through a user terminal with respect to a fixed value such as a security code or a transaction account (or wallet address) to be hacked or
  • a virtual account creation system and method it is possible to use a secure financial service by protecting the transaction account and the amount of the transaction, the prevention of payment errors and the risk of hacking.
  • FIG. 1 is a diagram illustrating a security code or virtual account generation system according to an embodiment of the present invention.
  • FIG. 2 is a diagram for explaining a user terminal of FIG. 1.
  • FIG. 3 is a diagram for explaining an example of displaying a color code in the user terminal of FIG. 1.
  • FIG. 4 is a diagram illustrating an example of drawing a pattern in the user terminal of FIG. 1.
  • FIG. 5 is a view for explaining a security code or virtual account creation method according to an embodiment of the present invention.
  • FIG. 6 illustrates an example of a color pixel panel provided in the user terminal of FIG. 1.
  • FIG. 7 is a diagram illustrating an example of a financial service screen provided by a user terminal of FIG. 1.
  • FIG. 8 is a diagram for explaining a virtual account transfer screen provided in the user terminal of FIG. 1 as an example.
  • first and second are intended to distinguish one component from another component, and the scope of rights should not be limited by these terms.
  • first component may be referred to as a second component, and similarly, the second component may also be referred to as a first component.
  • first component may be referred to as a second component
  • second component may also be referred to as a first component.
  • a component is referred to as being “connected” to another component, it should be understood that there may be other components in between, although it may be directly connected to the other component.
  • directly connected to another component, it should be understood that there is no other component in between.
  • other expressions describing the relationship between the components such as “between” and “immediately between” or “neighboring to” and “directly neighboring”, should be interpreted as well.
  • FIG. 1 is a view for explaining a security code or virtual account generation system according to an embodiment of the present invention
  • Figure 2 is a view illustrating a user terminal in Figure 1
  • Figure 3 is a color code in the user terminal in Figure 1 4 is a view for explaining an example of displaying
  • FIG. 4 is a view for explaining an example of drawing a pattern in the user terminal of FIG. 1.
  • the security code or virtual account generation system 100 includes a plurality of user terminals 110, a central server 120, and a network 130.
  • the user terminal 110 transmits the combined color codes to the central server 120 by combining the respective color pixels selected as the autonomous pattern of the user, receives the incoming and outgoing color codes from the central server 120, and randomly selects the welcome. Combine with the color code to regenerate the final color code, and convert the regenerated final color code into a promised security code or virtual account number to generate a one-time security code or virtual account.
  • the user terminal 110 is a terminal (eg, PC, laptop, etc.) with excellent security for the development of a new platform for a fixed value such as a security code or a transaction account (or wallet address) to be hacked Same communication terminal, or a mobile communication terminal such as a smart phone, a mobile phone, a PDA, etc.), in the case of each color pixel, a plurality of colors may be combined to be generated as one combined color code, and each In the case of the color code, the color code may be increased by generating a separation separation method of extracting and separating a plurality of colors required to form the selected color. In this case, the color code is generated only in the user terminal 110.
  • the user terminal 110 may include a touch panel (or a touch screen) 111 illustrated in FIG. 2, and automatically position the color pixels hidden on the touch panel 111.
  • a touch panel or a touch screen
  • the user's finger or skin or other input device for example, electronic pen, etc.
  • the touched point may be checked on the touch panel 111, and color pixels corresponding to the checked point may be selected.
  • the user terminal 110 when the color pixel is selected, by arranging the color pixels hidden on the touch panel 111 in an automatic positioning structure, on the color pixel panel automatically arranged, the user's finger or skin or Other inputs can also be used to activate the autonomous pattern to select color codes.
  • the user terminal 110 may include the color code generation module 112 shown in FIG. 2, and combines one or more colors corresponding to each color pixel selected in the touch panel 111. Can be generated with color coded.
  • the user terminal 110 combines the colors in a combination separation method for combining or separating the colors corresponding to each of the color pixels selected in the touch panel 111, so that the predetermined number of color codes (ie, infinitely). Can be increased by a large number). For example, to form yellow, blue, or red, the code of each color is set to require two promised colors, and two colors for forming the required colors as well. The number may be increased by a number, and color codes may be generated by randomly selecting a predetermined number (for example, 24) among the formed color codes.
  • the user terminal 110 may generate a color code in such a manner that a plurality of color codes that form corresponding colors for each individual color code are repeatedly generated.
  • the user terminal 110 converts one combined color code generated by the color code generation module 112 into an appointment code (that is, a security code or a virtual account number) by a preset appointment.
  • an appointment code that is, a security code or a virtual account number
  • the promise code means a promise code set in advance to convert the color code into a security code or a virtual account number.
  • the user terminal 110 receives (ie, arrives) a color code generated from the central server 120 and simultaneously receives a color code generated by the color code generation module 112. It can be selected at random by operating as a combination, and the selected welcome color code is combined with the received incoming color code to generate a one-time security code or virtual account that can be re-created and used.
  • the user terminal 110 may randomly combine the color code of the user and the color code received from the central server 120 to generate a final color code encryption security code or a virtual account. You can block financial accidents caused by external hacking.
  • the user terminal 110 the user directly operates the color code generation module 112 for a fixed value, such as a security code or a transaction account (or wallet address) to be hacked, one-time security code
  • a fixed value such as a security code or a transaction account (or wallet address) to be hacked, one-time security code
  • the user may be able to use a financial transaction service that is safe from hacking.
  • the user terminal 110 may search for a user registered on the wallet and a user who needs a new registration through the central server 120 using the financial service screen provided through the touch screen. After selecting the searched user, it is possible to select a financial service to be traded, select the financial service to be traded, and then input the amount to be transferred, and then the color code generation module 112 (Or, the color coded virtual account generation module) can be activated to generate a one-time security code or virtual account code.
  • the user terminal 110 may include the color code security module 113 shown in FIG. 2, and the transaction of the target person and the coin in the one-time virtual account code generated by the color code generation module 112. Type and transfer amount information can be encrypted together for safer trading.
  • the user terminal 110 may receive the color code extracted from the central server 120 and display the received color codes in order as shown in FIG. 3 to provide them to the user.
  • the color code may be displayed as (252, 2, 151), (251, 3, 1), (2, 254, 1), or the like.
  • the user terminal 110 may allow the user to draw a pattern as shown in FIG. 4 on a color code displayed on a screen (for example, a touch screen).
  • the user terminal 110 may check a digit passed by the pattern drawn on the screen, and transmit matrix index information (or pattern value) of the checked digit to the central server 120. For example, suppose you draw the pattern 'c'. '14, 13, 12, 11, 10, 9, 8, 7, 6, 5, 4, 3, 2, 1, 0, 15, 16, 17, 18 Matrix index information such as, 19, 20, 21, 22, 23, 24, 25, 26, and 27 'may be transmitted.
  • the user terminal 110 may receive an encryption value transmitted from the central server 120, decode the received encryption value into a color pattern code, and display the received encryption value on a screen to provide the user.
  • the color pattern code as the virtual account number
  • the amount deposited by the user can be deposited in the virtual account number. For example, if the encryption value is 'encrypt (329523joirewjfwoeijfweif', 'rwleirwe1324' is the final account number.
  • the user terminal 110 is connected to the central server 120 via the network 130 to generate a download request signal to the central server 120, and then transmitted from the central server 120
  • the main server 120 is connected to the central server 120 through the network 130 to display the main screen through the display means through an LCD, a touch screen, or the like, or output through an output means such as a speaker or a printer.
  • the user terminal 110 when the user terminal 110 is connected to the central server 120 through the network 130, the user terminal 110 receives the main screen information transmitted from the central server 120, the main screen through the display means Can be displayed (or voice output through the output means), in this case, when the user selects a member registration item from the selection items on the main screen through input means such as a keypad, touch pad, etc.
  • Create a registration selection signal (including user identification information) for informing the membership registration item can be sent to the central server 120, and then the registration screen information transmitted from the central server 120 Received, the member registration screen can be displayed through the display means (or voice output through the output means), so that the user through the input means If you enter your own information (i.e.
  • a registration request signal including user identification information
  • It can be transmitted to the central server 120, and then receiving the member registration completion signal transmitted from the central server 120, to display the completion of the member registration through the display means (or voice output through the output means) I can make it.
  • the user terminal 110 when the user selects a login item among the selection items of the main screen through the input means, the login selection signal (user identification information) for confirming this to inform the selected login item It may be generated and transmitted to the central server 120, and then receiving the login screen information transmitted from the central server 120, and displays the login screen through the display means (or output means) Voice output through the user, and when the user enters the mobile phone number (or ID or user identification information, etc.) and password in the input box of the login screen through the input means and confirms the login, Login request signal (including user identification information) including the inputted mobile phone number (or ID or user identification information) and password. It can be generated and transmitted to the central server 120, and then receiving the member authentication completion signal transmitted from the central server 120, to display the member authentication completion through the display means (or voice through the output means) Output).
  • the login selection signal user identification information
  • the login selection signal for confirming this to inform the selected login item It may be generated and transmitted to the central server 120, and then receiving the login screen information transmitted from
  • the central server 120 randomly lands among the color codes transmitted from the user terminal 110 and transmits the extracted color codes to the user terminal 110.
  • the central server 120 is a central processing system, and among the color codes received from the user terminal 110, only one-time security codes or color codes (for example, 24 color codes) required for creating a virtual account are included. You can land at random.
  • the central server 120 may randomly extract 24 numbers from 255 * 3 numbers corresponding to R (0 ⁇ 255), G (0 ⁇ 255), and B (0 ⁇ 255). For example, it can be extracted with color codes such as (252, 2, 151), (251, 3, 1), (2, 254, 1), and the like.
  • the central server 120 may generate a random character combination, for example, may generate a character value such as welfi7wj6eliw123efew / wef & was.
  • the character value is random in length, for example, may be about 500 ⁇ 1000.
  • the central server 120 may generate a matrix using the color code extracted as described above and the character value generated as described above.
  • the central server 120 may store the color code extracted as described above and the text value generated as described above, and transmit the extracted color code to the user terminal 110 as described above.
  • the central server 120 receives matrix index information (or pattern value) transmitted from the user terminal 110 and uses the received matrix index information and the matrix generated as described above. After generating a key and encrypting the generated key using the received pattern value, the encryption value can be transmitted to the user terminal 110. For example, the encryption value of 'encrypt (329523joirewjfwoeijfweif' is transmitted. I can do it.
  • the central server 120 receives the download request signal transmitted from the user terminal 110, the security code or virtual account generation app (or, security code or virtual account generation program) to the database (description of the description). For convenience, it may be read from the drawing (not shown in the drawing) and the read security code or virtual account creation app may be transmitted to the user terminal 110.
  • the database may store and store a security code or a virtual account generating app (or a security code or a virtual account generating program) for generating a security code or a virtual account in advance, and information related to a user (for example, Mobile phone number, password, home address, email address, name, gender, age, nickname, self-introduction, image, etc.
  • Information about the main screen including information about color code generation, financial services, security codes or virtual account transfers, and a number of fields (e.g. mobile phone number, password, home address, email address, Information on the registration screen including name, gender, age, nickname, self-introduction, image, etc.
  • the information on the code generation screen, the information on the financial service screen for performing the financial service, and the information on the security code transmission screen or the virtual account transmission screen for transmitting the security code or the virtual account are stored in advance. Can be.
  • the central server 120 checks this when the user terminal 110 is connected through the network 130, reads the main screen information from the database and stores the read main screen information in the user terminal ( 110).
  • the central server 120 receives the member selection selection signal transmitted from the user terminal 110 and checks the user identification information in the received member registration selection signal, and corresponds to the identified user identification information.
  • the member registration screen information may be read from a database, and the read member registration screen information may be transmitted to the user terminal 110.
  • the central server 120 receives the member registration request signal transmitted from the user terminal 110 and checks the user information and the user identification information in the received member registration request signal, and confirms the corresponding user information. After registering the database by the identified user identification information in the database, the member registration complete signal can be generated and transmitted to the user terminal 110.
  • the central server 120 receives the login request signal transmitted from the user terminal 110 and determines whether the user terminal 110 is a legitimate terminal (eg, matching of a mobile phone number and a password). Check the mobile phone number (or ID, etc.), password and user identification information from the received login request signal, and register in advance in response to the confirmed user identification information. Read the mobile phone number and password from the database, and compares the checked mobile phone number and password with the read mobile phone number and password, and if the corresponding user terminal 110 is a legitimate terminal. It can generate a member authentication completion signal to the user terminal 110 and transmit it.
  • a legitimate terminal eg, matching of a mobile phone number and a password.
  • the network 130 includes a wired communication network or a wireless communication network, and connects the plurality of user terminals 110 and the central server 120 by wire or wireless communication to perform data transmission and reception with each other.
  • the security code or the virtual account generation system 100 having the above-described configuration includes a user for a fixed value such as a security code or a transaction account (or a wallet address) that is a target of hacking in a mobile payment or P2P service.
  • a user for a fixed value such as a security code or a transaction account (or a wallet address) that is a target of hacking in a mobile payment or P2P service.
  • a color code only in the terminal 110, but by establishing a one-time encryption security code or a virtual account autonomous pattern code generation system implemented to create a one-time security code or a virtual account directly through the user terminal 110, You can use safe financial services by protecting your account and transactions from loss, payment errors and the risk of hacking.
  • the security code or virtual account generation system 100 having the above-described configuration allows data to be transmitted in the communication section by allowing http to be transmitted in the case of data transmission between the user terminal 110 and the central server 120. Even if it is, it cannot be decrypted.
  • the security code or virtual account generation system 100 having the above-described configuration may generate a color code using a unique fixed color code value standardized in the process of selecting a color and generating a color code. Instead of using, instead of fixed color code values, use randomly generated color code values that are randomly programmed. For example, if the standard color code value of yellow had a fixed value of 'a1', It is not limited to or fixed to the color code value 'a1' and is always randomly given a new code value. In other words, the security code or the virtual account generation system 100 having the above-described configuration may cause the color code value to change even when the same color is generated every time the color code is generated.
  • the security code or the virtual account generation system 100 having the above-described configuration includes a color code for the user to directly create a virtual account and transfer it to the generated virtual account in order for the user to securely trade the account transfer to another person.
  • a color code for the user to directly create a virtual account and transfer it to the generated virtual account in order for the user to securely trade the account transfer to another person.
  • the user may use the virtual account sent from the bank or the like. Received by inserting the welcome color code of the user terminal 110 to verify the authenticity of the virtual account may be to proceed with the transaction.
  • FIG. 5 is a diagram illustrating a security code or virtual account generation method according to an embodiment of the present invention.
  • FIG. 6 is a view illustrating an example of a color pixel panel provided in a user terminal of FIG. 1, and FIG. 7 is FIG. 1.
  • FIG. 8 is a diagram illustrating an example of a financial service screen provided by a user terminal in FIG. 8.
  • FIG. 8 is a diagram illustrating an example of a virtual account transfer screen provided by the user terminal in FIG. 1.
  • a new platform development security terminal eg, PC, laptop, etc.
  • a fixed value such as a security code or a transaction account (or wallet address) to be hacked
  • the user terminal 110 which is a terminal, a mobile communication terminal such as a smartphone, a mobile phone, a PDA, etc.
  • each color pixel selected by the user's autonomous pattern is combined to transmit the combined color code to the central server 120. (S301).
  • a plurality of colors can be combined to be generated as one combined color code, and each color
  • the color code may be increased by a separation method of extracting and separating a plurality of colors required to form a selected color. In this case, the color code is generated only in the user terminal 110.
  • the color pixels hidden on the touch panel 111 are converted into an automatic position conversion structure. Can be arranged to allow the user to select a color pixel.
  • step S301 when the user touches the touch panel 111 by using the user's finger or skin or another input device (for example, an electronic pen), the user terminal 110 ), The touched point may be checked on the touch panel 111, and color pixels corresponding to the checked point may be selected.
  • a color code may be selected by activating the autonomous pattern using the user's finger or skin or other input enabled device.
  • a combination of colors corresponding to each color pixel selected by the touch panel 111 is combined. Can be generated by color code.
  • the user terminal 110 In transmitting the color code in step S301 described above, the user terminal 110 combines the colors in a combined separation scheme in which a color corresponding to each color pixel selected in the touch panel 111 is combined or separated.
  • the number may be increased to a predetermined number (ie infinitely large number).
  • Branch codes may be formed by increasing the codes of the respective colors to a predetermined number, for example, and a color code may be generated by randomly selecting a predetermined number (for example, 24) among the formed color codes. .
  • the user terminal 110 may generate the color code in such a manner that a plurality of color codes for forming the corresponding color for each individual color code are repeatedly generated. .
  • the central server 120 receives the color code transmitted from the user terminal 110, randomly extracts the color code from the received color code, and transmits the color code. 110 is transmitted to (S302).
  • the central server 120 In transmitting the originating color code in step S302 described above, the central server 120, among the color codes received from the user terminal 110, one-time security code or color code required for generating a virtual account (for example, 24 colors Code) can be randomly landed.
  • one-time security code or color code required for generating a virtual account for example, 24 colors Code
  • the user terminal 110 receives the incoming color code transmitted from the central server 120, and combines the received incoming color code with a randomly selected welcome color code.
  • the final color code is regenerated, and the one-time security code or virtual account is generated by converting the regenerated final color code into a promised security code or virtual account number (S303).
  • the user terminal 110 uses the appointment code (that is, the appointment code that is set in advance to set one combined color code generated by the color code generation module 112).
  • Security code or virtual account number means a promise code set in advance to convert the color code into a security code or a virtual account number.
  • the user terminal 110 receives the color code transmitted from the central server 120 (ie, arrives) and simultaneously generates the color code generation module 112. ) Can be randomly selected by operating the color code generated by the welcome color code, and the selected welcome color code is combined with the received color code to regenerate the color codes to generate a one-time security code or virtual account that can be used for the final time. Can be generated.
  • the user terminal 110 randomly combines the color code received from the central server 120 and the user's color code to the final color code encryption security code or Virtual accounts can be created to block financial accidents caused by internal and external hacking.
  • the user terminal 110 In generating the one-time security code or the virtual account in step S303 described above, the user terminal 110 directly color codes the user with a fixed value such as a security code or a transaction account (or wallet address) to be hacked.
  • a fixed value such as a security code or a transaction account (or wallet address) to be hacked.
  • the user terminal 110 In generating the one-time security code or the virtual account in step S303 described above, the user terminal 110, as shown in Figure 7, using the financial service screen provided through the touch screen, the central server 120 You can search for users registered on Wallet and users who need new registrations. After selecting the searched users, you can select financial services to trade. After selecting the financial services to trade, The amount of money to be transferred may be input, and then the color code generation module 112 (or the color code virtual account generation module) may be operated to generate a one-time virtual account code.
  • the user terminal 110 After generating the one-time security code or the virtual account in step S303 described above, the user terminal 110 uses the virtual account transfer screen provided through the touch screen as shown in FIG. We can send you the one-time virtual account code that you finally created. In this case, the user terminal 110 having the color code security module 113 encrypts the transaction target and coin types and transfer amount information together in the one-time virtual account code finally generated by the color code generation module 112. You can trade safely.
  • the embodiment of the present invention is not implemented only through the above-described apparatus and / or operation method, but through a program for realizing a function corresponding to the configuration of the embodiment of the present invention, a recording medium on which the program is recorded, and the like.
  • the implementation may be easily implemented by those skilled in the art to which the present disclosure pertains based on the description of the above-described embodiments.
  • the embodiments of the present invention have been described in detail above, the scope of the present invention is not limited thereto, and various modifications and improvements of those skilled in the art using the basic concepts of the present invention defined in the following claims are also provided. It belongs to the scope of rights.
  • the present invention is a security code or virtual account generation system implemented to create a one-time security code or a virtual account directly through the user terminal for a fixed value such as a security code or a transaction account (or wallet address) that is subject to hacking And a method, wherein the user terminal combines each color pixel selected as a user's autonomous pattern, transmits a combined color code, receives an incoming color code, combines with a randomly selected welcome color code, and reconstructs the final color code. Generate a one-time security code or virtual account by converting the final color code into a promised security code or virtual account number; And the central server randomly lands among the color codes transmitted from the user terminal, and transmits the extracted color code to the user terminal.
  • a security code or virtual account generation system implemented to create a one-time security code or a virtual account directly through the user terminal for a fixed value such as a security code or a transaction account (or wallet address) that is subject to hacking
  • the user terminal combines each color pixel selected as a user

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Abstract

La présente invention concerne un système et un procédé destinés à générer un code de sécurité ou un compte virtuel, le système et le procédé étant mis en œuvre de telle sorte qu'un utilisateur génère directement un code de sécurité à usage unique ou un compte virtuel par l'intermédiaire d'un terminal d'utilisateur pour une valeur fixe telle qu'un code de sécurité ou un compte de transaction (ou une adresse de portefeuille) à pirater. Le terminal d'utilisateur transmet des codes de couleur assemblés et combinés à partir de pixels de couleur respectifs sélectionnés par un motif auto-déterminé de l'utilisateur, reçoit un code de couleur extrait, regénère un code de couleur final en combinant le code de couleur reçu et un code de couleur d'accueil sélectionné de manière aléatoire, et convertit le code de couleur final en un code de sécurité ou un numéro de compte virtuel désigné de façon à générer un code de sécurité à usage unique ou un compte virtuel, et un serveur central extrait de manière aléatoire un code de couleur parmi des codes de couleur transmis à partir du terminal d'utilisateur de façon à transmettre le code couleur extrait au terminal d'utilisateur.
PCT/KR2018/008321 2018-07-23 2018-07-24 Système et procédé destinés à générer un code de sécurité ou un compte virtuel WO2020022528A1 (fr)

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KR10-2018-0085228 2018-07-23
KR1020180085228A KR102154896B1 (ko) 2018-07-23 2018-07-23 보안 코드 또는 가상 계좌 생성 시스템 및 방법

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KR102471895B1 (ko) * 2020-08-27 2022-11-28 박희영 컬러픽셀코드 기반의 일회성 결제보안코드를 포함하는 2중 보안 결제 방법

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