KR20180054976A - Method for Operating Safety Remittance based on Verification of the Remittee - Google Patents

Abstract

A method of relieving remittance based on a remittee proof according to the present invention is a method executed by an operation server for operating a money transaction between a remitter and a remittee, Receiving remittance request information including account information, transaction amount, and account receipt information; receiving, based on the remittance request information, remittance from the remitter account corresponding to remittance account information to a receipt account corresponding to the account information A third step of delaying / locking setting the transaction amount deposited in the receipt account to be withdrawn / transferred without a recipient electronic signature; and a second step of transferring the amount of the transaction amount deposited in the receipt account A fourth step of requesting a withdrawal request and confirming a payee's digital signature using the payee's certificate; A fifth step of verifying the recipient digital signature using the certificate, and a sixth step of allowing the withdrawal of the transaction amount deposited in the receipt account when the recipient digital signature is verified.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention [0002] The present invention relates to a method of remittance based on remittance,

The present invention is a method for transferring a transaction amount from a remitter account to a receipt account when a remittance payment based on a remittee certificate is requested in a money transaction for remitting a predetermined transaction amount from a remitter account to a remittance account, The transaction amount is set to be delayed / locked so as not to be withdrawn / transferred, and at the time of withdrawal of the transaction amount deposited in the withdrawal account, at least the electronic signature of the recipient is used to certify the recipient, Signing the receipt for receipt, and then allowing the withdrawal of the transaction amount deposited in the receipt account.

In the past, when a remitter has sent a predetermined amount to a remittee, a remittance transaction is provided in a form in which the remittance amount is immediately withdrawn from the remitter's account and transferred to the remitter account at the same time as the remittance transaction request of the remitter. A problem has occurred.

In the case of the conventional remittance transaction, even if an anomaly or voice phishing occurs, it is considered that the remitter is considered to be careless, and it is almost impossible or very difficult to recover or refund the money that has been fraudulently borne by money or voice phishing .

Accordingly, it is possible to provide a function of blocking the source of money, such as a mistake transfer or voice phishing, while the remitter sends remittance to the remittee, and at the same time, to prevent fraudulent money There is a need to prepare a way to recover or refund the funds, but the technology proposed in the past has difficulties in achieving this.

The object of the present invention is to solve the above-mentioned problems, and it is an object of the present invention to provide a remittance remittance information management system and a remittance remittance remittance management system, Transferring the transaction amount from the remitter account corresponding to the receipt account information to the receipt account corresponding to the receipt account information, delay / lock the transaction amount so that the transaction amount deposited in the receipt account is not withdrawn / transferred without a recipient electronic signature, When the withdrawal request for withdrawal of the transaction amount deposited in the withdrawal account requesting the withdrawal of the transaction amount is made by requesting the remittee's electronic signature using the remittee's certificate upon receipt of the withdrawal request for the transaction amount deposited in the withdrawal account.

A method for relieving remittance based on a remittee proof according to the present invention is a method executed by an operation server that manages a money transaction between a remitter and a remittee, the remittance remittance method including remittance remittance including remittance account information, transaction amount, A second step of transferring the transaction amount from the remitter account corresponding to the remitter account information to the receivable account corresponding to the receivable account information based on the relief remittance request information, A third step of delaying / locking setting the transaction amount deposited in the receipt account not to be withdrawn / transferred without requesting the recipient's electronic signature using the recipient's certificate upon withdrawal request of the transaction amount deposited in the withdrawal account A fifth step of verifying the recipient digital signature using the recipient's certificate, When the recipient verify the electronic signature and a sixth step of allowing the withdrawal of the transaction amount deposited in the account receivables.

According to the present invention, the fourth step may include: requesting the digital signature-based authentication using the recipient's certificate to the recipient terminal used by the recipient who has requested the withdrawal of the transaction amount; The method comprising the steps of:

According to the present invention, the fourth step may further include generating a receipt electronic document for receiving the transaction amount by the recipient including the transaction content corresponding to the relief transfer request information.

According to the present invention, the first step further includes receiving the content of the security transaction contract entered by the remitter, and the fourth step includes a transaction content corresponding to the safe deposit request information, And creating a receipt electronic document containing the contents.

According to another aspect of the present invention, the first step further includes receiving a trusted transaction item selected by the remitter, wherein the fourth step includes a transaction corresponding to the safe deposit request information, And generating a receipt electronic document including the content of the secure transaction agreement corresponding to the content of the secure transaction.

According to the present invention, the fourth step may further include generating a receipt electronic document including the content of the transaction corresponding to the relief remittance request information and including the content of the automatically settled security transaction contract.

According to the present invention, the fourth step may include: requesting a digital signature using the recipient's certificate by providing the recipient's electronic document to the recipient terminal used by the recipient who has requested the withdrawal of the transaction amount; And receiving the recipient electronic signature obtained by digitally signing the receipt electronic document through the electronic signature receiving means.

According to the present invention, the recipient proof-based relief method further comprises the steps of: if the receipt electronic document including the contents of the transaction corresponding to the relief request information is generated, A Root Hash (RH) of a Merkle Tree including i hash values of at least i (i? 1) received documents containing the generated hash value as a leaf node, (N? 1) leaf block (Leaf Block) including the generated root hash and the work proof value (Nounce) of the specified degree of difficulty is generated, and i-th receipt An N-th document authentication block to which an electronic document is attached is generated and stored in the designated block management DB.

According to the present invention, the block encryption step includes providing the acceptance certificate document to a designated block cipher server, wherein the block cipher server generates a hash value by unidirectionally hashing the acceptance certificate document with a designated hash algorithm And a root hash of the Merkle Tree including i hash values of at least i (i? 1) acceptance electronic documents including the generated hash value as a leaf node, Generating an Nth unbuffered lip block that includes the block hash of the previous document authentication block and the generated root hash but does not include the job proof value; (M > = 1) operation servers to which the block cipher server is affiliated, to provide the difficulty values of the Nth unfinished lip block and the designated proof of work (POW) Through the server A step c) of requesting a distributed operation of a work proof value of a designated degree of difficulty for a first N unfinished lip block, A step d) of receiving a N-block acknowledgment corresponding to the valid task certification value and a valid task certification value that is the earliest successful operation from the operation server; And an e < th > step of generating an N < th > document authentication block by completing the N < th > have.

According to the present invention, the recipient proof-based secure remittance method is characterized in that a receipt electronic document including transaction details corresponding to the safe transfer request information is generated and the recipient electronic document The method may further include storing the receipt electronic document attached with the recipient digital signature in an authorized electronic document repository.

According to the present invention, when the recipient electronic signature using the recipient's certificate is verified or verified in the money transaction for transferring the predetermined transaction amount from the account of the remitter to the recipient's account, the transaction amount is deposited into the receipt account, It has the advantage of preventing financial accidents using remittance, voice phishing and cannon passbooks.

According to the present invention, when the account name of the receiving account is verified as the recipient's real name and the recipient's electronic signature using the recipient's certificate is verified or verified during the money transaction for remitting the predetermined transaction amount from the remitter's account to the recipient's account , It is advantageous to prevent financial accidents using mistakes, voice phishing and cannon passbooks.

According to the present invention, a recipient electronic signature is attached to a receipt electronic document containing a transaction for a money transaction in which a predetermined transaction amount is transferred from an account of a sender to a receipt account at a recipient side, and is stored in an authorized electronic document repository Or by providing a permanent duplicate record with block encryption, there is an advantage to provide a legal basis for the remitter to remit to the recipient and receive it from the recipient.

According to the present invention, in addition to transaction contents for a money transaction in which a predetermined transaction amount is remitted from an account of a remitter to a remittance account of a remittee, a receipt electronic document By storing the recipient's electronic signature in an authorized electronic document archive or by making block encryption a permanent duplicate record so that if the recipient sends the remittance to the recipient in case of unexpected problems, There is an advantage in that it is provided.

1 is a diagram showing a configuration of a relief remittance system based on a remittee certificate according to an embodiment of the present invention.
FIG. 2 is a diagram illustrating a remittance process, a delay / lock setting process, and the like for a safe transfer according to an embodiment of the present invention.
3 is a diagram illustrating a recipient digital signature process for relief transfer according to an embodiment of the present invention.
FIG. 4 is a diagram illustrating a process of processing block encryption for a receipt electronic document according to an embodiment of the present invention.
5 is a diagram illustrating a process of storing a receipt electronic document in an electronic document repository according to an embodiment of the present invention.
FIG. 6 is a diagram illustrating a process of receiving a transaction amount based on a remittee certificate according to an embodiment of the present invention.

The operation principle of the preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings and description. It should be understood, however, that the drawings and the following detailed description are exemplary and explanatory and are intended to provide further explanation of the invention, and are not to be construed as limiting the present invention.

In other words, the following embodiments correspond to the preferred embodiment of the preferred embodiment of the present invention. In the following embodiments, a specific configuration (or step) is omitted, or a specific configuration (or step) (Or steps), or an embodiment that incorporates functions implemented in more than one configuration (or step) into any one configuration (or step), a particular configuration (or step) It will be apparent that the present invention is not limited to the embodiments described below. Therefore, it should be clearly stated that various embodiments corresponding to subsets or combinations based on the following embodiments can be subdivided based on the filing date of the present invention.

In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. The terms used below are defined in consideration of the functions of the present invention, which may vary depending on the user, intention or custom of the operator. Therefore, the definition should be based on the contents throughout the present invention.

As a result, the technical idea of the present invention is determined by the claims, and the following embodiments are merely means for effectively explaining the technical idea of the present invention to a person having ordinary skill in the art to which the present invention belongs Only.

FIG. 1 is a diagram showing a configuration of a relief remittance system based on a remittee certificate according to an embodiment of the present invention.

More specifically, FIG. 1 shows a case in which a transaction amount is transferred from a remitter account to a receipt account when a remittance payment based on a remittee certificate is requested in a money transaction in which a predetermined transaction amount is remitted from a remitter account to a remittance account, And notifies the recipient of the withdrawal / transfer of the transaction amount deposited in the withdrawal account, based on at least the electronic signature using the recipient's certificate The system of the present invention permits the withdrawal / transfer of the transaction amount deposited in the receipt account after an electronic signature of the receipt of the transaction amount by the receiver himself / herself. The person skilled in the art can refer to and / or modify the drawing 1 to find out various It is to be understood that the invention may be practiced with other modes of practicing the invention (for example, omitting some of the components, or subdividing, or combining the practice) The technical characteristics thereof are not limited.

The money transaction between the remitter and the remitter according to the present invention is performed by transferring the transaction amount from the remitter's account to the remittance account but processing the transaction amount deposited in the remittance account (for example, delayed withdrawal and delayed transfer) So that the transaction amount is not withdrawn / transferred. Conventionally, in a money transaction between a remitter and a remitter, when a remitter requests remittance of a predetermined transaction amount from a remitter account to a remitter account, the transaction amount is immediately transferred from the remitter account to the remitter account irrespective of the remitter, It was provided in a form that can be withdrawn without restrictions or transferred to another account, which caused problems such as an error transfer or voice phishing. On the other hand, according to the present invention, the transaction amount is transferred from the remitter's account to the receipt account, and at least the recipient's identity is verified based on the electronic signature using the recipient's certificate, and the recipient himself / herself signs the receipt So that the recipient can receive the transaction amount only after the recipient is verified and the recipient electronically signs the receipt.

In the meantime, according to the present invention, it is possible to block-encrypt the receipt electronic document corresponding to the account name real name confirmation procedure and / or the receipt certificate authenticating whether the account name of the receipt account is the receiver's identity, And the present invention clearly encompasses these procedures as well as the scope of the present invention.

In addition, the present invention can be applied to a case where the remitter includes the contents of the trust transaction contract entered / selected or automatically set by the remitter on the receipt electronic document, so that the liability of various legal problems (for example, voice phishing etc.) , Reimbursement of the transaction amount to the remitter account in the case of voice phishing, etc.) and attaching the recipient's electronic signature to it, providing the grounds for solving the problem based on the receipt document even if an unexpected problem arises do.

The relief remittance system of the present invention performs a procedure of confirming and processing a money transaction request in connection with a remitter terminal 170 used by a remitter in a transaction, a remitter terminal 180 used by a remittee, and a remitter terminal 170 In association with the remittee terminal 180, at least the proof of the remittee's identity based on the digital signature using the remittee's certificate and the remittee's electronic signature of the receipt of the transaction amount, so that the remittee can receive the transaction amount One or more financial service servers 185 that are provided in the financial institution in which the remittant account or the account for receiving money is provided, for processing an account-based financial transaction, and an acceptance certificate And an authorized electronic document repository 195 for storing the electronic document, and the like, A block encryption server 190 to process the expensive accomplished by further comprising.

The remitter terminal 170 is a general term of a terminal used by a remitter of a money transaction according to the present invention and preferably includes a wireless terminal such as a smart phone, a mobile phone, a tablet PC, and / or a computer used by a remitter, A notebook, or the like, and is not limited to a specific terminal. In other words, the present invention clearly defines all the terminals used by the remitter as the remitter terminal 170 category.

According to the embodiment of the present invention, the remitter terminal 170 can be installed with an app for a money transaction (or at least a remitter transaction) between the remitter and the remittee. On the other hand, when the remitter terminal 170 can request a money transaction (or a remitter-side transaction) with the remittee through the web, a separate app may not be installed and thus the present invention is not limited thereto. Hereinafter, technical features of the present invention will be described focusing on an embodiment in which a designated application is installed in the remitter terminal 170 for convenience.

The recipient terminal 180 is a collective term for a terminal used by a recipient of a money transaction according to the present invention and preferably includes a wireless terminal such as a smart phone, a mobile phone, and a tablet PC used by a recipient and / A notebook, or the like, and is not limited to a specific terminal. In other words, the present invention clearly defines all the terminals used by the recipient as the recipient terminal 180 category.

According to the embodiment of the present invention, the recipient terminal 180 can install and execute a predetermined application. In particular, the recipient terminal 180 can perform a procedure such as a recipient electronic signature according to the present invention, Or digital signature storage), a predetermined app can be installed and executed. On the other hand, if the recipient electronic signature or the like or the account name real name confirmation (or the block encryption or the digital signature storage) can be processed through the web, a separate application may not be installed and the present invention is not limited thereto . Hereinafter, technical features of the present invention will be described focusing on an embodiment in which a designated app is installed and executed in the recipient terminal 180 for convenience.

The financial company server 185 includes a remitter's financial server 185 that opens a remittance account and processes a transaction procedure related to the remitter's account, a remittee server 185 that opens a remittance account and processes a transaction procedure related to the remittance account, The remittee financial institution server 185 and the remittee financial institution server 185 may be servers provided in the same financial institution or servers provided in other financial institutions linked through the financial joint network, . Meanwhile, it is clear that the operation server 100 may be a server (or a financial company server 185) provided in a financial company according to the embodiment, and that the present invention can be included in the scope of the present invention.

The block cipher server 190 is a generic name of a server that processes block encryption for the receipt electronic document when a receipt electronic document for money transaction between the remitter and the recipient (or a recipient for receiving the transaction amount) is generated And may be implemented in the form of a separate server linked with the operation server 100 and may be implemented in the form of a program module for processing block encryption in the operation server 100 according to an implementation method. Meanwhile, according to the embodiment, the block cipher server 190 is implemented as a server for processing block encryption for each electronic document generated by each operation server 100 in cooperation with M (M? 1) operation servers 100 And the present invention includes such a block cipher server 190 as a right scope. For example, the block cipher server 190 may include an operation server 100 for operating a safe remittance transfer between a sender and a recipient according to the present invention, an operation server 100 for operating money borrowing and lending transactions between the lender and the borrower, The server 100 may be implemented as a server for processing block encryption in cooperation with a plurality of operation servers 100 such as a server for operating an inter-requestor investment transaction and a server for operating a real estate transaction.

According to the embodiment of the present invention, the block cipher server 190 confirms the receipt electronic document provided by the operation server 100, generates a hash value by unidirectionally hashing the receipt document with a designated hash algorithm , A root hash of a Merkle Tree including i hash values of at least i (i? 1) received docu- ments including the generated hash value as a leaf node. RH) can be generated. Thereafter, the block cipher server 190 generates N (N > = 1) unfinished lip blocks including the block authentication (or first block authentication) of the previous document authentication block and the generated root hash, And the block cipher server 190 provides the generated N-th unfinished lip block and the designated job certification difficulty value to at least M (M? 1) operation servers 100 associated with the M cipher servers 190, (100), the block cipher server (190) requests a distributed operation of the work proof value of the specified degree of difficulty for the Nth unfinished lip block, and then the block cipher server (190) m (1 < = m < M) from the operational server 100 and an Nth block corresponding to the valid work certification value. The block cipher server 190 completes the Nth Lip block by substituting the calculated job proof value and the Nth block hash into the Nth unbuffered Lip block, An Nth document authentication block can be created by attaching a document.

The operation server 100 operates a remittance electronic signature procedure for proof of remittee while operating a money transaction between a remitter and a remittee according to the present invention, The block cipher server 190 and the electronic document repository 195 interwork with one or more financial company servers 185, preferably in cooperation with the remitter terminal 170 to the remittee terminal 180, ).

1, the operation server 100 includes a transaction request receiving unit 105 for receiving relief request information including remittant account information, transaction amount, and account information from the remitter terminal 170, A remittance processing unit 110 for transferring the transaction amount from the remitter account corresponding to the remitter account information to the remittance account corresponding to the remittance account information based on the remittance request information, A request acceptance unit 120 for accepting a withdrawal / transfer request for the transaction amount deposited in the withdrawal account and a receipt account management unit 115 for delay / lock setting the amount of money to be withdrawn / transferred, (125) for requesting the receipt account holder corresponding to the information to receive the transaction amount, and when the payee terminal (180) is confirmed, Received from chwiin terminal 180 provides the recipient identification information may further include a recipient person not authenticated account main authentication unit 130 corresponding to the account shares the recipient identification information of the receiving account corresponding to the received account information.

,

The remitter terminal 170 requests a money transaction for transferring a predetermined transaction amount to a recipient by driving a designated application (or accesses through a browser), and transmits the money transaction from the remitter account to the receipt account And inputs / selects one or more pieces of transaction information including information necessary for transferring the transaction amount.

According to an embodiment of the present invention, after one or more pieces of transaction information for transferring a transaction amount from a remitter account to a receipt account are input / selected through the remitter terminal 170, the remitter terminal 170 uses the transaction information In this case, the transaction request receiving unit 105 receives remittance transaction request information including the transaction information, and proceeds the remittance transaction according to a known remittance transaction procedure.

After one or more pieces of transaction information for transferring the transaction amount from the remitter's account to the remittance account are input / selected through the remitter terminal 170, the remitter terminal 170 requests the remittance remittance according to the present invention, When the terminal 170 automatically supports relief money transfer according to the present invention, the remitter terminal 170 transmits relief request information including the input / selected one or more pieces of transaction information. Preferably, the safe deposit request information includes remittance account information (or identification information for identifying previously registered remittance account information), transaction amount, receipt account information (or identification information for identifying the remittance account information of a previously registered recipient) And may further include transaction information such as at least one password for withdrawing a transaction amount from a remitter account, a security card random number, an OTP (One Time Password), and an electronic signature using a remitter's authorized certificate according to the method of operation . The remittance request information may further include remittee information (e.g., payee name, gender, etc.) and remittee identifier (e.g., remittee name, remittee mail address, wire telephone number subscribed to the operation server 100) The present invention is not limited thereto.

In the meantime, if the remitter terminal includes the content of the selected / selected safe trading contract in the payee electronic document generated through the electronic document generating unit 135, the remitter terminal 170 receives the contents of the reward trading contract, And transmits the content of the inputted / selected security transaction agreement or transmits the security / trust transaction information including the input / selected security transaction agreement contents to the security transfer request information. Meanwhile, in the case where the content of the security transaction specified when the receipt electronic document is generated through the electronic document generation unit 135 is automatically included in the receipt electronic document, the remitter terminal 170 transmits the contents of the separate security transaction contract, It is not necessary to transmit the contract item, and thus the present invention is not limited thereto.

The transaction request receiving unit 105 receives remittance account information (or identification information for identifying previously registered remittant account information) for the remitter-side transaction from the remitter terminal 170 and a transaction amount, and receives the transaction amount from the remittance account Information (or identification information for identifying the receipt account information of the previously registered recipient), and in accordance with the method of operation, relief request information including the contents of the security transaction entered / selected by the remitter .

When the safe payment request information is received from the remitter terminal 170 via the transaction request receiving unit 105, the remittance processing unit 110 confirms (remotely) the remitter's financial institution server 185 corresponding to the remitter account information The account server 185 transmits the money transfer request information to the financial company server 185. In the case where the server 100 is a server operated by the remitter's financial institution, To transfer the transaction amount.

According to the embodiment of the present invention, the remittance procedure processing unit 110 provides the remittance account information, the transaction amount, and the account receipt information to the financial company server 185, and transfers it to the financial company server 185, Withdraws the transaction amount from the account of the remitter corresponding to the remitter account information and requests to transfer the amount of the transaction to the remittance account in accordance with a procedure such as transfer.

The receipt account management unit 115 transfers the transaction amount to the receipt account through the remittance procedure processing unit 110 so that the transaction amount deposited in the receipt account without the recipient electronic signature of the transaction amount being deposited is withdrawn (for example, (E.g., transaction or ATM cash withdrawal, etc.) or transfer (e.g., transfer to another account by the recipient), and the delay setting or lock setting is maintained until the recipient digital signature is verified or verified Management.

According to the embodiment of the present invention, the receipt account management unit 115 confirms the recipient financial institution server 185 corresponding to the receipt account information (if the operation server 100 is a server operated by the recipient financial institution, The financial institution server 185 and the remittee's financial institution server 185 are the same server) and provides the received account information and the transaction amount to the financial company server 185, Request to delay or lock down the transaction amount so that the transaction amount is not withdrawn (for example, a withdrawal transaction by a recipient or an ATM cash withdrawal) or a transfer (for example, a transfer to another account by a recipient), and the recipient electronic signature is verified or verified The delay setting and the lock setting of the transaction amount with respect to the receivable account are maintained until the settlement is completed.

The request confirming unit 120 interlocks with the bank account server 185 in which the account receiving account is established, and determines whether the transaction amount deposited in the receipt account is requested to be withdrawn or transferred, through banking using the remittee terminal 180 Can be confirmed. Alternatively, the request confirmation unit 120 may be configured to cause the transaction amount deposited in the receivable account to be withdrawn from the account server 120 in response to various reasons such as a transaction using a financial automatic machine, a transaction using a counter, Whether it is requested or transferred.

When the withdrawal / transfer of the transaction amount deposited in the withdrawal account is requested through the request confirmation unit 120, the withdrawal account management unit 115 judges whether withdrawal / transfer of the transaction amount deposited in the withdrawal account is requested Verifying whether the remittee certificate including the remittee digital signature verification / verification for permitting the withdrawal / transfer of the transaction amount deposited in the receipt account is confirmed, and if the remittee certificate is not confirmed, It is preferable to manage the deposited transaction amount so as not to be withdrawn / transferred by the withdrawal / transfer request.

The receipt request unit 125 receives the wireless terminal information (for example, a mobile phone number assigned to the receiver wireless terminal) included in the account state registration information of the receipt account through the financial company server 185 corresponding to the receipt account information And may request the recipient wireless terminal corresponding to the confirmed wireless terminal information to request receipt of the transaction amount. For example, the receipt request unit 125 may process a message (e.g., SMS, MMS, etc.) requesting receipt of the transaction amount to the recipient wireless terminal according to a message exchange rule using the mobile phone number . In this case, a payee proof (e.g., a payee's electronic signature) for receiving the transaction amount can be processed through the payee wireless terminal.

On the other hand, the designated application is installed in the receiver's wireless terminal, and the application identification information (e.g., UUID, UUID, etc.) that uniquely identifies the wireless terminal information (e.g., mobile phone number) Push token, etc.) are registered in association with each other, the receipt request unit 125 uses the app identification information associated with the wireless terminal information of the receiver wireless terminal to receive the transaction amount with an app installed in the receiver wireless terminal (E. G., A push notification) to be sent. In this case, a payee proof (e.g., a payee's electronic signature) for receiving the transaction amount can be processed through the payee wireless terminal.

Meanwhile, the receipt request unit 125 confirms the receipt account state included in the account state registration information of the receipt account corresponding to the receipt account information through the financial company server 185 corresponding to the receipt account information, And confirms the banking request of the user corresponding to the state or the banking request using the receiving account. If the banking request of the user corresponding to the account receipt account or the banking request using the account receipt is confirmed, the receipt requesting unit 125 requests the terminal used by the banking user to request the receipt of the transaction amount . Preferably, the terminal used by the user includes a remittee terminal used for banking or a remittee terminal, or may include a financial automation device, a window terminal, or the like according to an implementation method. On the other hand, the payee identification (for example, a payee's electronic signature) for receiving the transaction amount corresponding to the payee request may be transmitted to the payee's wireless terminal used for the banking (or a payee's mobile terminal, The recipient wireless terminal corresponding to the information).

When the request confirmation unit 120 confirms the withdrawal / transfer request of the transaction amount deposited in the receipt account, the request confirmation unit 120 transfers the terminal requesting withdrawal / transfer of the transaction amount to the recipient terminal 180 And confirms the recipient terminal 180 in cooperation with the terminal requesting withdrawal / transfer of the amount of money, and requests recipient identification information from the recipient terminal 180 to receive the recipient identification information. Alternatively, when the receipt request unit 125 requests the recipient terminal 180 to receive the transaction amount, the receipt request unit 125 requests the payee identification information to the recipient terminal 180 to receive the recipient identification information have. Preferably, the remittee identification information may include information necessary for actual clarification such as a payee name, date of birth and gender.

When the payee identification information is confirmed, the account main authentication unit 130 confirms whether the confirmed payee identification information matches the account main registration information of the receiving account corresponding to the confirmed receiving account information Can be performed. Preferably, the account state authenticating unit 130 may request authentication by providing the remittee identification information and the account information to the remittee financial institution server 185 corresponding to the account information, and the remittee financial institution server 185 ) Can confirm the account state registration information of the account corresponding to the received account information, compare and authenticate whether the payee identification information matches the account state registration information, and provide the authentication result to the operation server 100 , The account state authenticating unit 130 may receive an authentication result from the remittee financial server 185 indicating whether the remittee identification information matches the account state registration information.

According to an embodiment of the present invention, when the remittee terminal 180 is a wireless terminal, the account state authenticating unit 130 identifies the communication company server to which the remittee wireless terminal is subscribed, And the account state registration information of the receipt account is provided to the communication company server to provide the mobile telephone number and the account state registration information of the receiver wireless terminal to the receiver wireless terminal And can receive an authentication result indicating that the account main registration information of the receiving account is matched with the subscriber information of the receiver wireless terminal from the communication company server.

Meanwhile, when the receiver terminal 180 is a wireless terminal, the account state authentication unit 130 identifies the communication company server to which the receiver wireless terminal is subscribed, and transmits the mobile phone number of the receiver wireless terminal, The receiver can provide the receiver identification information and request the real name verification that the receiver corresponding to the receiver identification information matches the subscriber information of the wireless terminal. Also, the authentication server authenticates whether the receiver matches the subscriber information of the wireless terminal The result can be received.

According to the embodiment of the present invention, because the remittee corresponding to the identified payee identification information is confirmed as the real account name of the account receiving account corresponding to the confirmed payee account information through the account state authentication unit 130, Incidental transfer or voice phishing may be blocked.

Referring to FIG. 1, the operation server 100 includes an electronic signature processing unit 140 for requesting a recipient's electronic signature using a recipient's certificate to the recipient terminal 180, and a recipient's electronic signature And an electronic signature verifying unit 145 for verifying that the recipient has received the transaction amount. The electronic signature verifying unit 145 generates a receipt electronic document including the transaction content corresponding to the relief transfer request information, . Meanwhile, when generating the receipt electronic document through the electronic document generation unit 135, the digital signature processing unit 140 requests the recipient terminal 180 to send the recipient electronic signature for the receipt electronic document, The recipient digital signature using the certificate can be confirmed or the receipt electronic document with the recipient digital signature can be confirmed.

The electronic document generation unit 135 generates a receipt electronic document for the recipient himself / herself to receive the transaction amount based on the transaction content corresponding to the relief transfer request information. Preferably, the electronic document generation unit 135 generates the electronic document based on the remittance account information, the remitter information (or the account state registration information of the remitter account), the transaction amount, the account information, the remittee identification information Identification information, account state registration information of the receipt account, payee identification information confirmed in the process of confirming the real name through the account state authentication unit 130), and a receipt electronic document including at least one of the date and time when the remitter requested the transaction can do.

According to the embodiment of the present invention, the electronic document generation unit 135 includes the transaction contents of the money transaction between the remitter and the remittee, and also includes the content of the remittance contract entered by the remitter, the remittance contract item selected by the remitter The contents of the safe trading contract, and the contents of the automatically set safe trading contract. Here, the contents of the above-mentioned relief transaction contract include items of various legal problems (for example, voice phishing, borrowing / lending, etc.) that may occur after the transaction and the items of liability (for example, in case of voice phishing, / Indicate the liability of the transaction. The transaction amount indicates that the sender is the money lent to the recipient. The transaction amount indicates that the sender repays the principal of the money borrowed by the recipient. The transaction amount indicates that the sender is interest on the money borrowed from the recipient. (For example, when a voice phish occurs, the amount of the transaction is refunded to the remitter's account, and the amount of the transaction is repaid if the money is the loan money). The right to claim as a bond, and the basis for the extinguishment or reduction of a bond if the transaction amount repay the borrowed money). Can. That is, according to the present invention, the recipient confirms the receipt electronic document including the contents of the trust transaction entered / selected or automatically set by the remitter, signatures thereof by the recipient himself, and records such receipt electronic document The transaction is processed (or completed) after it is left as an unchanging double record including the encrypted electronic signature), so that the remitter using the present invention can remit the transaction amount to the receiver without worry.

According to the electronic document generation embodiment of the present invention, the electronic document generation unit 135 includes the transaction contents of the money transaction between the remitter and the remittee, and according to the implementation method, The acceptance certificate can be generated.

According to the other electronic document generation embodiment of the present invention, when generating the document authentication block by block-encrypting the received certificate electronic document, the electronic document generation unit 135 generates the normal authentication result by the normal money transaction between the remitter and the recipient It is possible to confirm whether various electronic documents or various normal electronic documents based on the normal money transaction between the remitter and the recipient are generated. If the normal electronic document based on the normal money transaction is not generated for a predetermined period of time, the electronic document generating unit 135 generates the electronic document based on the normal banknote transaction by the following block encryption processing unit 150 (or the block encryption server 190) You can create any dummy electronic document needed to complete the tree. Here, the dummy electronic document is not a normal electronic document including transaction contents of an actual transaction, but is generated to leave a normal electronic document of an actual transaction as a document authentication block based record. In other words, there must exist a minor that generates a block constantly in order to leave past records as constant / non-modifiable unchanged records through block encryption. In a P2P (peer-to-peer) environment, a large number of peers are voluntarily participating in a minor, so that unless a hacker who wants to tamper or tamper with the past records occupies more than half of the resources used by the minors, The record of the universe remains unchanged. However, the relief remittance system of the present invention is not a P2P environment and has a difficult problem to secure a voluntary minor. If the number of normal electronic documents less than the designated number is not generated for a specified unit time or if the normal electronic document generated through the electronic document generation unit 135 is insufficient to complete the numbered hierarchical structure, The electronic document generation unit 135 may flexibly adapt to generate a dummy electronic document and perform a minor role so that the normal electronic document may remain as an unchanged document. According to another embodiment of the present invention, the dummy electronic document may be generated through the block cipher processing unit 150 or the block cipher server 190, and thus the present invention is not limited thereto. According to another embodiment of the present invention, the block cipher processing unit 150 or the block cipher server 190 generates a generated value corresponding to a hash value obtained by hashing a dummy electronic document without generating a dummy electronic document The hash value of the dummy electronic document can be used as the hash value, and thus the present invention is not limited thereto.

The electronic signature processing unit 140 may receive the withdrawal / transfer request from the payee terminal 180 corresponding to the withdrawal / transfer request confirmed through the request confirmation unit 120 at a time before, during, The recipient terminal 180 that has approved the receipt of the transaction amount requested through the request unit 125 is confirmed (omitted if it is confirmed), and the receiver terminal 180, in cooperation with the confirmed recipient terminal 180, Perform the procedure to verify the signature. Preferably, the digital signature processing unit 140 performs a procedure of attaching a recipient digital signature to the electronic document during or after the electronic document is generated through the electronic document generation unit 135. However, The invention is not limited thereto.

According to the first digital signature embodiment of the present invention, the digital signature processing unit 140 requests digital signature verification using the recipient's certificate to the identified recipient terminal 180, Based authentication information generated through a certificate (e.g., an authorized certificate of the recipient's name, or a separate certificate for signing the electronic document, etc.). Meanwhile, the digital signature processing unit 140 may further execute the second or third digital signature embodiments described below with respect to the receiving certificate electronic document generated through the electronic document generating unit 135 after the digital signature authentication process Or the electronic signature based authentication information generated for the digital signature authentication, to the receipt electronic document generated through the electronic document generation unit 135. [

According to the second digital signature embodiment of the present invention, when the receipt electronic document including transaction details of the money transaction between the remitter and the recipient is generated through the electronic document generation unit 135, Transmits the receipt electronic document including the contents of the transaction to the recipient terminal 180 to request the recipient's electronic signature using the recipient's certificate and then transmits the transaction content from the recipient terminal 180 via the recipient's certificate It is possible to receive the recipient electronic signature obtained by digitally signing the receipt electronic document.

According to the third digital signing embodiment of the present invention, the transaction contents of the money transaction between the remitter and the remittee by the electronic document generation unit 135 and the receipt information including the content of the reassurance contract entered / When the document is generated, the digital signature processing unit 140 transmits a receipt electronic document including the content of the transaction and the content of the security transaction to the remittee terminal 180, requests the recipient's electronic signature using the recipient's certificate , The recipient terminal 180 can receive the recipient electronic signature obtained by electronically signing the receipt electronic document including the contents of the transaction and the content of the security transaction through the recipient's certificate. The present invention can be applied to a secure transaction contract included in the receipt electronic document while the recipient performs a transaction corresponding to the transaction content on the basis of the recipient electronic signature for the receipt electronic document including the transaction content and the content of the security transaction contract, You can be considered to have contracted to comply with the content.

According to the fourth digital signature embodiment of the present invention, when the receipt electronic document including the transaction content of the money transaction between the remitter and the recipient is generated through the electronic document generation unit 135, Transmits the receipt electronic document including the contents of the transaction to the recipient terminal 180 to request the recipient's electronic signature using the recipient's certificate and then transmits the transaction content from the recipient terminal 180 via the recipient's certificate A receipt electronic document with a receipt digital signature obtained by digitally signing the receipt electronic document is received.

According to the fifth digital signature embodiment of the present invention, the transaction contents of the money transaction between the remitter and the remittee by the electronic document generation unit 135 and the receipt information including the contents of the reassurance contract entered / When the document is generated, the digital signature processing unit 140 transmits a receipt electronic document including the content of the transaction and the content of the security transaction to the remittee terminal 180, requests the recipient's electronic signature using the recipient's certificate , And can receive, from the remittee terminal 180 via the recipient's certificate, the receipt electronic document attached with the recipient electronic signature obtained by digitally signing the receipt electronic document including the contents of the transaction and the content of the security transaction. The present invention can be applied to a secure transaction contract included in the receipt electronic document while the recipient performs a transaction corresponding to the transaction content on the basis of the recipient electronic signature for the receipt electronic document including the transaction content and the content of the security transaction contract, You can be considered to have contracted to comply with the content.

If the recipient digital signature using the recipient's certificate is confirmed through at least one of the first to fifth digital signature embodiments, the digital signature verification unit 145 uses the copy of the public certificate of the recipient And performs a procedure of verifying the digital signature of the digitally signed recipient using the recipient's certificate.

Referring to FIG. 1, in the case where a receipt electronic document is generated, the operation server 100 unidirectionally hashes the generated receipt electronic document with a specified hash algorithm and sends the generated hash value to a leaf node A root hash of the Merkle Tree including i hash values of at least i (i? 1) receiving docu- ments is generated, and the generated root hash and the designated difficulty (N > = 1) leaf block (Leaf Block) including the job certification value (Nounce) of the N provisioning block is generated and an Nth document authentication block in which i generation acknowledgment documents are attached to the generated Nth lip block A block cipher processing unit 150 for processing the received electronic signature to be stored in the designated block management DB 150 and an electronic document storage unit 155), wherein the deposit And a receive processor 160 that performs a specified process to allow the withdrawal / transfer of the transaction group.

When a normal receipt electronic document of normal money transaction is generated through the electronic document generation unit 135 (or when a recipient electronic signature is attached to the receipt electronic document through the electronic signature processing unit 140) The processing unit 150 performs a process of generating an Nth document authentication block based on the receipt electronic document of the normal money transaction normally generated through the electronic document generation unit 135 and storing the generated Nth document authentication block in the designated block management DB . The process of generating the Nth document authentication block based on the received certificate electronic document may be performed in the operation server 100 through the block cipher processing unit 150 or may be performed in a separate block associated with the block cipher processing unit 150 The feature of the present invention will be described focusing on an embodiment that can be processed through the encryption server 190 and the Nth document authentication block is generated through a separate block cipher server 190 for the sake of convenience.

The block cipher processing unit 150 provides the receipt electronic document of the normal monetary transaction normally generated through the electronic document generation unit 135 to the block cipher server 190, And provide the generated block password to the block cipher server 190.

According to an embodiment of the present invention, the block cipher server 190 receives the receipt document from the operation server 100, and preferably transmits the received cipher text to the block cipher server 190, (I > = 1) receipt documents until the completion of the Merkle Tree of the hierarchical structure. Preferably, the i < th > receipt electronic document to be received for generating the Nth document authentication block is generated through the operation server 100 during the timeout in which the (N-1) Documents, and may include (or even include) randomly generated dummy electronic documents to complete the muckree of the specified hierarchy according to the method of operation. On the other hand, the dummy electronic document is used in the process of generating the document authentication block, but is not stored in the electronic document repository 195 which is electronically signed and certified.

According to an embodiment of the present invention, the block cipher server 190 generates a hash value by unidirectionally hashing the received certificate document with a specified hash algorithm, and includes the generated hash value as a leaf node Generates a muffle tree including i hash values of at least i received electronic documents, and generates a root hash (RH) of the muffle tree. When the muth tree is generated, the block cipher server 190 generates a block decryption (or a first document authentication block) of a previous document authentication block (for example, an (N-1) (H0)) and the generated root hash, but does not include the job proof value. The lip block may further include various information including time stamps in addition to the previous document authentication block block hash, root hash and work proof value.

Meanwhile, the block cipher server 190 includes a plurality of user terminals 170 and 180 interlocked with at least M (M > = 1) operation servers 100 associated with the Nth incomplete RB block, (E.g., the client terminal 170, the recipient terminal 180, etc.), and determine a difficulty value capable of calculating the job certification value specified in the specified timeout based on the size of the calculated operation resource. Here, the work proof value is a value obtained by multiplying a hash value corresponding to a hash value obtained by hashing a lip block by a predetermined number (for example, an '8' bit value existing in the MSB (Most Significant Bit) region of a hash value) Includes a variable value included in the lip block to derive a hash value filled with a particular bit (e.g., bit '0', etc.). At this time, the scale of the computational resources required to find the solution varies depending on how many bits of an area are induced to fill with a specific bit. Whenever the number of bit values increases by one, the amount of computation required to find the solution increases by an exponent of 2. Therefore, in order to calculate the task proof value specified in the specified timeout by using the operable resource, the difficulty value that can calculate the specified task proof value within the specified timeout is used to determine how many bits of the task proof value are to be filled with a specific bit Quot ;, and " Preferably, the block cipher server 190 includes an operation resource (for example, at least M operation servers 100 and at least one operation server 100 that are associated with each other) to be operated on in order to find a job proof value at the time of generating the Nth unfinished lip block, (For example, a plurality of user terminals 170 and 180 that can be interlocked with the mobile terminal 100), and when a certain ratio of the mobilizable operation resources (for example, 80% of the mobilizable operation resources) And a difficulty value for finding the proof value (= a value specifying which bits of a certain area of the task proof value are to be filled with a specific bit).

According to the embodiment of the present invention, the block cipher server 190 sets the difficulty values of the Nth unfinished lip block and the designated proof of work (POW) to at least M operation servers 100 associated with the block cipher server 190 And requests a distributed operation of the task proof value of the specified degree of difficulty for the Nth unfinished lip block through the M operation servers 100. [ Preferably, the distributed computation of the work proof value may include an operation through M operation servers 100 and a distributed operation through a plurality of user terminals 170 and 180 interlocked with the M operation servers 100. According to the embodiment of the present invention, the block cipher server 190 may provide the N non-provisional lip blocks and the difficulty values to the M operational servers 100, and may specify and provide operation periods for the respective operational servers 100 In this case, each of the operation servers 100 can check the operation interval thereof and reassign it to each of the user terminals 170 and 180 connected to the operation terminal 100 itself, thereby performing a distributed operation process on the operation certification value of the designated degree of difficulty.

According to the embodiment of the present invention, the block cipher server 190 requests a distributed computation of the job proof value and then performs a distributed computation of the job proof value in an asynchronous manner in which it does not wait for a failure response excluding a valid job proof value . ≪ / RTI > That is, the block cipher server 190 requests the M operation servers 100 to perform the distributed operation of the task proof values, but does not receive the failure results individually, and each of the operation servers 100 also does not respond to the operation failure result You do not have to. Also, when the M operating servers 100 request the distributed computing of the work proof values to the user terminals 170 and 180 capable of interworking with the M operating servers 100, each of the operating servers 100 individually receives the operation failure results from the user terminals 170 and 180 And it is not necessary to respond to the result of the elongation failure to each of the user terminals 170 and 180. In other words, in the present invention, there may be a plurality of solutions of the work proof value of a specific degree of difficulty, and it is possible to select one of them and discard the remainder, so that it is not necessary to check whether the operation has failed or succeeded in the distributed operation section do. However, the occupation of the communication resources for distributing the work proof value by the asynchronous communication is drastically reduced, and even if the present invention is not the P2P environment, the work proof value can be distributed and processed more efficiently than the P2P environment.

According to the method of the present invention, the user terminal (170, 180) to the operation server (100) responds to a job certification value that has been successfully computed in the case of successful operation of the job certification value, A valid work proof value that is the first to be successfully operated from the m (1? M? M) operation server 100 of the M operation servers 100 and an Nth block hash corresponding to the valid work proof value are received . Here, the N-th block decryption corresponding to the valid task certification value is a result obtained by hashing the N-th clip block including the task certification value, and the bit value of the specific region corresponding to the degree of difficulty designated by the task certification value is set to a specific bit And a hash value to be filled.

On the other hand, when a valid work proof value is received within a specified timeout, the block cipher server 190 requests the M operation servers 100 to terminate the operation of the job proof value for the Nth incomplete ROP, It is preferable that the operation termination request of the above-mentioned small proof value is also requested asynchronously. That is, the user terminal 170 or 180 or the operation server 100 may terminate the computation of the proof value in response to the computation termination request, and may not respond to the result and may not terminate the computation. However, the operation termination request is intended to prevent wasting of available computational resources (or waste of battery resources of the user terminals 170 and 180).

On the other hand, if a valid proof value is not received within the specified timeout, the block cipher server 190 regards the operation proof value as an operation failure, and the block cipher server 190, the M operation servers 100, The processing unit may concentrate operation resources of one or more servers among the designated operation servers and calculate a work proof value of the specified degree of difficulty for the Nth incomplete RIP block. Meanwhile, the block cipher server 190 adjusts the degree of difficulty with respect to the job certification value of the Nth incomplete RB block (for example, decreasing the number of bit values to be filled with a specific bit) , And then the operation strength of one or more of the M operation servers 100 and the designated operation server is concentrated on the block cipher server 190 to calculate the operation proof value of the specified degree of difficulty for the Nth incomplete Rip block The present invention is not limited thereto.

According to the method of the present invention, when a valid job certification value for the Nth unrecognized lip block is received within the designated timeout, the block cipher server 190 transmits the calculated job certification value An Nth document block, and an Nth document block, and completing an Nth Nth Nth Nth Nth Nth Nth Nth Nth Nth Nth Nth Nth Nth Nth Nth Nth Nth Nth Nth Nth Nth Nth Nth Nth Nth Nth Nth Nth Nth Nth Nth Nth Nth Nth Nth Nth Nth Nth Nth Nth Nth Nth Nth Nth Blocks are stored in a designated block management database and managed. Meanwhile, the block cipher server 190 may transmit the Nth document authentication block to each of the operation servers 100 and store and manage the same. At least a part of the blocks may be transmitted to the user terminals 170 and 180, .

Meanwhile, when generating the Nth document authentication block in the operation server 100 according to another embodiment of the present invention, the block cipher processing unit 150 of the operation server 100 transmits the electronic document to the electronic document generation unit 135 A hash value is generated by one-way hashing with a designated hash algorithm, and a root hash value of at least i hash values of at least i acceptance electronic documents including the generated hash value as rip nodes (RH), and generates a Nth unbuffered lip block including the block hash of the previous document authentication block and the generated root hash but does not include the job proof value. The block cipher processing unit 150 provides the generated N-th non-provisional lip block and the designated work proof value to the plurality of user terminals 170 and 180 interlocked with the operation server 100, Asynchronously requesting the distributed operation of the work proof value of the specified degree of difficulty for the user terminal (170,180) within the specified timeout, and a Nth block hash corresponding to the valid work proof value . If a valid work certification value is received within the designated timeout, the block cipher processing unit 150 completes the N-th LIP block by substituting the calculated job certification value and the N-th block acknowledgment into the N-th unfinished LIP block The i-th document authentication block is generated by attaching i) the receipt electronic document to the completed N-th lip block, and then the generated N-th document authentication block is stored and managed in the designated block management DB. Meanwhile, the block cipher processing unit 150 may store and manage the Nth document authentication block to the at least one user terminal 170 and 180 so that the present invention is not limited thereto.

Meanwhile, when a recipient electronic signature is attached to the receipt electronic document generated through the electronic document generation unit 135, the electronic document storage unit 155 stores the receipt electronic document attached with the blind signature And stores it in the electronic document repository 195.

According to the embodiment of the present invention, the electronic document storage unit 155 stores the electronic signature of the recipient electronic signature attached to the receipt electronic document created through the electronic document creation unit 135 in cooperation with the electronic signature processing unit 140 Check. If it is confirmed that a valid electronic signature of the recipient is attached to the receipt electronic document, the electronic document storage unit 155 stores the receipt electronic document attached with the recipient electronic signature in the authorized electronic document repository 195 .

According to the embodiment of the present invention, the electronic document storage unit 155 interlocks with the block cipher processing unit 150 and receives the electronic signature-receipt electronic document corresponding to the electronically signed receipt electronic document through the electronic signature processing unit 140 Is used to verify that the Nth document authentication block is effectively generated. If the Nth document verification block is validated using the received certificate electronic document corresponding to the digitally signed certificate document, the electronic document storage unit 155 stores the received certificate electronic signature To be stored in the authorized electronic document repository 195. The electronic document repository 195 may receive the receipt electronic document with the recipient digital signature attached thereto from the operation server 100 and store the received receipt electronic document in the designated document archive DB.

According to the embodiment of the present invention, the block cipher processing unit 150 identifies i digitally signed receipt electronic documents stored in the electronic document repository 195 in cooperation with the electronic document storage unit 155, Generates meta information linking the i digital signature payee electronic documents stored in the electronic document repository 195 with i payee electronic documents included in the Nth document authentication block stored in the block management DB, Stored in the electronic document repository 195 is stored in the block management DB storing the Nth document authentication block, or is stored in a separate management DB, It is possible to link and manage the receipt electronic document included in the Nth document authentication block.

When the recipient digital signature is verified through the digital signature verification unit 145, the reception processing unit 160 performs a procedure designated to allow withdrawal / transfer of the transaction amount deposited in the receipt account. In one example, the receiving processing unit 160 may verify whether or not the receiving security document is block encrypted through the block encryption processing unit 150 after the recipient digital signature is verified through the digital signature verification unit 145, During or after the receipt electronic document attached with the recipient electronic signature is stored in the authorized electronic document repository 195 via the electronic document storage unit 155, the withdrawal / transfer of the transaction amount deposited in the receipt account You can perform the designated procedure to allow.

According to the embodiment of the present invention, when the recipient electronic signature using the recipient's certificate is verified through the electronic signature verification unit 145, the reception processing unit 160 interlocks with the financial server server 185 that has opened the receipt account A request for canceling the delay setting or lock setting of the transaction amount deposited in the receiving account, and processing to process the transaction amount so that the transaction amount can be withdrawn / transferred from the receiving account. The receiving processing unit 160 authenticates the account note of the account received by the account principal authentication unit 130 as the principal of the recipient and transmits the account note of the account to the recipient electronic institution using the recipient's certificate via the electronic signature verification unit 145 After the signature is verified, a receipt electronic document to which a recipient electronic signature is attached is recognized through the electronic document storage unit 155 during or after block receipt of the receipt electronic document through the block cipher processing unit 150 Requesting to cancel the delay setting or lock setting of the transaction amount deposited in the receipt account in cooperation with the financial company server 185 that opened the account receipt account during or after being stored in the electronic document repository 195, It is possible to carry out a process of processing the transaction amount so that it can be withdrawn / transferred from the account.

FIG. 2 is a diagram illustrating a remittance process, a delay / lock setting process for safe transfer according to an embodiment of the present invention.

2 shows one or more transaction information including the account information, the transaction amount, and the account receipt information necessary for the money transaction for transferring the money in the remitter terminal 170, The transfer money amount is transferred from the remitter's account to the receipt account, and the transaction amount deposited in the receipt account is converted into the recipient's electronic signature (that is, Proofing so as not to be withdrawn / transferred without proof (proof), it will be understood by those skilled in the art that referring to and / / Be able to infer various implementations of the lock establishment process (e.g., omitting some of the steps or changing the order) Yet, the present invention is composed, including any exemplary way in which the inference, to which the technical feature that is not limited to the exemplary method shown in the figure 2.

Referring to FIG. 2, the remitter terminal 170 starts a money transaction for transferring money (200), and transmits remittance account information (or identification information for identifying previously registered remitter account information) necessary for the money transaction, (205) that includes the amount of money, the account information (or the identification information that identifies the account information of the already registered recipient).

If one or more designated transaction information required for the money transaction is inputted, the remitter terminal 170 checks whether the remittance according to the present invention is requested by the remitter 210 (210).

If the sender does not request the safe transfer according to the present invention and requests a well-known remittance transaction, the remitter terminal 170 constitutes well-known remittance transaction request information including the inputted transaction information, The operational server 100 may request the remittance transaction procedure 220 through the financial company server 185 based on the remittance transaction request information 220 and the financial company server 185 may transmit the remittance transaction request (225) based on the transaction request information.

Meanwhile, if the remitter requests the safe remittance according to the present invention, the remitter terminal 170 performs a procedure of inputting / selecting the contents of the reassurance contract to be included in the receipt electronic document (230) If the contents of the security agreement are automatically included in the security document, a separate remitter input / selection process may be omitted.

The remitter terminal 170 includes the entered transaction information and configures the remittance request information to further include the input / selected security transaction contents according to the operation method, and transmits the remittance request information to the operation server 100 (235) The operation server 100 receives the relief request information from the remitter terminal 170 (240).

The operation server 100 confirms the remitter account information through the relief remittance request information (e.g., confirms the remitter account information included in the relief remittance request information, or uses the identification information included in the relief remittance request information) (245) confirming the financial company server 185 corresponding to the remitter's account information (245), and transfers the transaction amount from the remitter account to the remittance account to the confirmed financial company server (185) (250). The financial company server 185 transfers the transaction amount from the remitter account to the receipt account according to the remitter-side transaction request (255). If the transaction amount is transferred from the remitter account to the receipt account, the financial company server 185 generates a result of the remitter-side transaction by transferring the transaction amount to the receipt account, and responds to the operation server 100 (260 ), The operation server 100 receives the result of the remitter-side transaction of transferring the transaction amount from the financial company server 185 to the receipt account (265).

The operation server 100 does not withdraw / transfer the transaction amount deposited in the receipt account without the recipient electronic signature (that is, without proof of the recipient's identity) to the financial institution server 185 corresponding to the receipt account in which the transaction amount is deposited Requesting to set a delay / lock (in the case where it is configured to set a delay / lock at the same time as depositing a transaction amount in a receipt account in the financial company server 185), a separate request process may be omitted (270) (275) sets the delay amount / lock (275) so that the transaction amount deposited in the receipt account is not withdrawn / transferred without a recipient electronic signature (275), and then the transaction amount of the withdrawing account is delayed / Lock setting result and responds to the operation server 100 (280). The operation server 100 determines whether the transaction amount of the account receivable is delayed / locked from the financial company server 185 It receives (285).

FIG. 3 is a diagram illustrating a recipient digital signature process for relief remittance according to an embodiment of the present invention.

In more detail, FIG. 3 shows a case where the withdrawal / transfer of the transaction amount deposited in the receipt account is requested, or when the receipt account state is requested to receive the transaction amount and approved, the recipient himself / herself receives the transaction amount And processes the recipient's digital signature using the recipient's certificate. If the recipient is a person skilled in the art, referring to and / or modifying FIG. 3, It will be appreciated that various implementations of the signature process (e.g., some steps may be omitted or alternate implementations) may be inferred, but the present invention encompasses all of the above- The technical features thereof are not limited only by the method of implementation.

Referring to FIG. 3, after the transaction amount deposited in the receipt account through the process of FIG. 2 is delayed / locked so as not to be withdrawn / transferred without a recipient digital signature (that is, without proof of the recipient's identity), the operation server 100 (For example, a withdrawal transaction by a receiver, an ATM cash withdrawal, or the like) or a transfer (for example, a transfer transaction by a recipient) in cooperation with a financial company server 185 in which a receipt account is established (300), the financial company server (185) confirms the information related to the withdrawal / transfer request of the transaction amount deposited in the withdrawal account (for example, Withdrawal / transfer request information) and provides it to the operation server 100 (305). If the withdrawal / transfer request of the transaction amount deposited in the withdrawal account is confirmed, the operation server 100 checks (310) the remittee terminal 180 related to the withdrawal / transfer request of the transaction amount (310) The recipient terminal 180 can perform a process of processing the recipient's digital signature using the recipient's certificate in cooperation with the recipient terminal 180.

Meanwhile, after the transaction amount deposited in the receipt account is set to be delayed / locked so that the transaction amount deposited in the receipt account is not withdrawn / transferred without the recipient electronic signature (that is, without proof of the recipient's identity), the operation server 100 (For example, receiver's wireless terminal information, etc.) of the remittee terminal 180 included in the account state registration information of the receipt account in association with the financial company server 185 connected to the financial institution server 185, In response to a request from the operation server 100, checks the terminal information of the remittee terminal 180 included in the account main registration information of the receipt account and provides the information to the operation server 100 (320). Meanwhile, according to another embodiment of the present invention, the operation server 100 checks the payee terminal 180 used by the payee who has requested banking to the payee account in cooperation with the financial company server 185 in which the payee account is opened (315 The financial company server 185 real-time identifies the terminal information that uniquely identifies the payee terminal 180 used by the payee who has requested banking to the payee account, and provides the terminal information to the operating server 100 in operation 320. If it is confirmed through the above process that the payee terminal 180 registered in the payee account account state or the payee terminal 180 used by the payee who has requested the banking in the payee account is confirmed, the operation server 100 transmits, to the payee terminal 180, (325). The recipient terminal (180) receives the transaction amount receipt request from the operation server (100) and outputs the receipt request (335). If the recipient approves the receipt of the transaction amount, the recipient terminal 180 transmits the transaction acceptance information of the transaction amount to the operation server 100 (335), and the operation server 100 sends the transaction amount acceptance information to the recipient (340). ≪ / RTI > Meanwhile, the operation server 100 requests and receives payee identification information that uniquely identifies the payee from the payee terminal 180, provides the payee identification information to the financial company server 185, The server 185 can perform an account name real name verification procedure for authenticating whether the account receipt account number is the remittee corresponding to the remittee identification information.

If the withdrawal / transfer of the transaction amount deposited in the withdrawal account is requested or the withdrawal approval is requested to the account holder of the withdrawing account, the operation server 100 proceeds to the process of FIG. 2 (345) a receipt electronic document including transaction details of the money transaction between the remitter and the recipient based on the relief request information received from the remitter terminal (170) The recipient terminal 180 provides the receipt electronic document and requests a recipient digital signature using the recipient's certificate (350).

The recipient terminal 180 receives and prints the receipt electronic document from the operation server 100 (355), and performs a process of processing the recipient electronic signature on the receipt certificate using the recipient's certificate ( 360). The remittee terminal 180 transmits the remittee digital signature using the remittee's certificate to the operation server 100 in operation 365 or transmits the remittee electronic signature attached with the remittee digital signature to the operation server 100 The operational server 100 receives the recipient digital signature 370 from the recipient terminal 180, receives the recipient electronic signature attached with the recipient digital signature 370, and transmits the recipient digital signature And performs a verification procedure (375). If the recipient digital signature is verified, the operation server 100 stores the receipt electronic document with the recipient digital signature in the electronic document repository 195 or withdraws / transfers the transaction amount deposited in the receipt account And the like. If the recipient digital signature is not verified, the operation server 100 provides the authentication error of the recipient's identity to the recipient terminal 180 (380), and the recipient terminal 180 transmits the authentication error And outputs it (step 385).

FIG. 4 is a diagram illustrating a process of processing block encryption for a receipt electronic document according to an embodiment of the present invention.

FIG. 4 illustrates a hash value generated by unidirectionally hashing a receipt electronic document created through the procedure of FIG. 3 with a specified hash algorithm, and hash hash values of at least i acceptance electronic documents (N > = 1) lip block including the generated root hash and the work proof value of the specified degree of difficulty is generated, and i An Nth document authentication block to which the receipt electronic document is attached is generated and stored in the designated block management DB. If the person skilled in the art is familiar with the present invention, (E.g., some steps may be omitted or the procedures may be altered in order) for the block encryption process of the receipt electronic document However, the present invention includes all of the above-described embodiments, and the technical features of the present invention are not limited only by the method shown in FIG.

4, the operation server 100 requests the block cipher server 190 to block encryption of the receipt electronic document generated through the process of FIG. 3 (400), and the block cipher server 190 (404) for the block encryption, and generates a hash value (408) by unidirectionally hashing the received certificate with the designated hash algorithm.

On the other hand, if a previous document authentication block is generated and stored in the block management DB, the block encryption server 190 includes the generated leaf node and stores the accumulated i-th document accumulated during the generation of the previous document authentication block in the hash A merge tree including one hash value is constructed to generate a root hash (412). The N th unfinished (412) block including the block hash of the previous document authentication block and the generated root hash, A lip block is generated (416). Meanwhile, the block cipher server 190 determines the size of available operation resources (for example, from M operation servers 100 to each of the operation servers 100, 170, 180 (420), determines (424) a proof difficulty value that is small enough to calculate the job proof value within a specified timeout by using the identified available operation resources, The Nth unfinished lip block, the difficulty value of the designated job proof, and the operation interval to be operated by each operation server 100, and requests the operation proof value to be calculated (428).

Each operation server 100 receives Nth unfinished LEP blocks, a specified difficulty value, and an operation interval from the block cipher server 190 (432). The operation server 100 distributes the received operation interval to the operation server 100 and reassigns the operation interval to the plurality of user terminals 170 and 180 interlocked with the operation server 100 or the operation server 100 The user terminals 170 and 180 provide the Nth unfinished lip block and the designated difficulty value and the operation intervals allocated to the user terminals 170 and 180 to request the calculation of the job proof value 440, The Nth unfinished LEP block, the designated difficulty value and the operation interval are received (444) from the operation server (100), and the valid operation value of the designated difficulty is calculated for the specified operation interval (448). If the effective task proof value of the determined difficulty is not successful even though all the operations have been performed for the operation period, the user terminal 170 and 180 ends the operation of the task proof value. On the other hand, if an effective operation proof value of the designated degree of difficulty is successfully computed during the operation of the computation interval, the user terminal 170,180 sets an Nth block answer corresponding to the valid operation proof value and the valid operation proof value, The operation server 100 responds to the operation server 100 in step 452. In step 460, the operation server 100 confirms the Nth block decryption corresponding to the computed successful proof value and the valid proof value.

Meanwhile, the operation server 100 performs a process of calculating a valid task certification value of the designated degree of difficulty for the reallocated operation section among the operation sections received from the block cipher server 190 (456). If the validity proof value of the definite degree of difficulty does not succeed even though all the operations are performed for the operation interval, the operation server 100 ends the operation of the proof value. On the other hand, if the effective operation proof value of the designated degree of difficulty is successfully computed during the operation of the operation period, the operation server 100 confirms the Nth block hash corresponding to the valid operation proof value and the valid operation proof value (460).

If the valid job verification value successful in operation through the operation server 100 or the user terminal 170 or 180 and the N block decryption corresponding to the valid job certification value are confirmed, The block cipher server 190 provides an effective job proof value of the degree of difficulty specified by the effective job authentication value 190 and an Nth block hash corresponding to the effective job proof value 464, Value and the Nth block hash are received (468).

The block cipher server 190 completes an effective Nth Nth Nth Lip block by substituting the received Nth unbuffered Lip block with the received Nth block validation value in step 472, The Nth document authentication block is generated (step 476), and the generated Nth document authentication block is stored in the designated block management DB and managed (step 480).

The block cipher server 190 provides an Nth document authentication block (or a completed NLip block) stored in the block management DB (484), and the operation server 100 transmits the Nth document authentication block NLL block) may be received and stored in the designated block management DB of the operation server 100 (488). Alternatively, the operation server 100 may provide (488) the Nth document authentication block (or the Nth Lip block) to one or more interlocking user terminals 170 and 180, and the user terminal 170, The document authentication block (or NLip block) may be received and stored in a designated storage area and managed (492).

5 is a diagram illustrating a process of storing a receipt electronic document in the electronic document repository 195 according to an embodiment of the present invention.

FIG. 5 illustrates a process of storing a receipt electronic document with a recipient digital signature in the authorized electronic document repository 195 through the process of FIG. 3. In the description of the related art, , It is possible to refer to and / or modify this figure 5 to infer various implementations of the storage procedure of the receipt electronic document (e.g., omitting some steps or changing the sequence) However, the present invention is not limited to the above-described embodiments, and the technical features of the present invention are not limited only by the method shown in FIG.

Referring to FIG. 5, the operation server 100 checks (500) the acceptance electronic document to which the recipient electronic signature is attached through the process of FIG. 3, and transmits the acceptance electronic document to the electronic document repository 195, The receipt electronic document is requested to be archived (505).

The electronic document repository 195 receives the receipt electronic document with the recipient electronic signature from the operation server 100 and stores the receipt electronic document attached with the recipient electronic signature in the document archive DB 515). The operation server 100 responds to the operation server 100 with the result of storing the receipt electronic document in the document archive DB. The operation server 100 stores the receipt document in the electronic document repository 195 A result is set (525).

FIG. 6 is a diagram illustrating a process of receiving a transaction amount based on a remittee certificate according to an embodiment of the present invention.

In more detail, FIG. 6 illustrates delay / lock setting of the transaction amount deposited in the receiving account through the process of FIG. 2 based on the recipient digital signature when the recipient digital signature is verified / verified through at least the process of FIG. FIG. 6 is a flow chart illustrating a process of withdrawing / transferring the transaction amount to a remittee and receiving the transaction amount from the remittee. It is to be understood that the present invention may be embodied in various ways of practicing the transaction amount receiving process (for example, omitting some steps or changing the order), but the present invention includes all of the above- The technical characteristics are not limited only by the method shown in FIG.

Referring to FIG. 6, after the recipient digital signature is verified / verified through the process of FIG. 3 (or after the recipient digital signature is verified / verified, the document authentication block including the receipt electronic document through the process of FIG. Or after storing the receipt electronic document with the recipient electronic signature in the electronic document repository 195 in the process of FIG. 5), the operation server 100 determines that the transaction amount has been received (600) the financial institution server 185 corresponding to the account, and requests to delay / unlock the withdrawal / transfer of the transaction amount deposited in the receipt account via the financial company server 185 (605) .

The financial company server 185 releases the delay / lock setting for the receiving account (or for the transaction amount deposited in the receiving account) so that the transaction amount deposited in the receiving account can be withdrawn / transferred in accordance with the request 610). If the delay / lock setting of the receivable account is canceled, the financial company server 185 generates a result of releasing the delay / lock setting so that the transaction amount deposited in the receivable account can be withdrawn / transferred, 100 in step 615 and the operation server 100 receives a result of releasing the delay / lock setting for the transaction amount deposited in the receipt account from the financial server 185 in operation 620. The operation server 100 provides a result of canceling the delay / lock setting for the transaction amount deposited in the receipt account to the remittee terminal 180 (625), and the remittee terminal 180 transmits a deposit / And outputs the result of releasing the delay / lock setting for the transaction amount (630). The recipient can then withdraw the transaction amount deposited in the receipt account or transfer it to another account.

100: Operation server 105: Transaction request receiver
110: Remittance procedure processing unit 115:
120: request confirmation unit 125:
130: account state authenticating unit 135: electronic document generating unit
140: digital signature processing unit 145: digital signature verification unit
150: Block encryption processing unit 155: Electronic document storage unit
160: Receiving processor 170:
180: Recipient terminal 185: Financial company server
190: Block cipher server 195: Electronic document repository

Claims (10)

A method executed via an operational server operating a money transaction between a remitter and a remitter,
A first step of receiving relief request information including remittance account information, transaction amount, and receipt account information from the remitter terminal;
A second step of transferring the transaction amount from the remitter account corresponding to the remitter account information to the receipt account corresponding to the receipt account information based on the relief remittance request information;
A third step of delaying / locking setting the transaction amount deposited in the receipt account to be withdrawn / transferred without a recipient electronic signature;
A fourth step of requesting a payee's digital signature using a payee's certificate upon receipt of the transaction amount deposited in the payee's account;
A fifth step of verifying the recipient digital signature using the recipient's certificate; And
And a sixth step of allowing the withdrawal of the transaction amount deposited in the receipt account when verifying the consignee digital signature.
The method as claimed in claim 1,
Requesting an electronic signature authentication using the recipient's certificate to the remittee terminal used by the remittee requesting the withdrawal; And
And receiving digital signature-based authentication information using the recipient's certificate from the remittee terminal.
The method as claimed in claim 1,
Further comprising the step of generating a receipt electronic document for receipt of the transaction amount by the receiver himself / herself including the transaction content corresponding to the safe deposit payment request information.
The method according to claim 1,
The first step may further include receiving the content of the security transaction contract entered by the remitter,
Wherein the fourth step further comprises the step of generating a receipt electronic document including the content of the transaction corresponding to the relief remittance request information and including the contents of the security transaction agreement, Way.
The method according to claim 1,
The first step may further include receiving a trusted transaction item selected by the remitter,
The fourth step may further include generating a receipt electronic document including transaction content corresponding to the relief remittance request information and including the contents of the secure transaction agreement corresponding to the secure transaction agreement item Based on the recipient credentials.
The method as claimed in claim 1,
Further comprising the step of generating a receipt electronic document including transaction contents corresponding to the relief remittance request information and including an automatically settled security transaction contract content.
7. The method according to any one of claims 3 to 6,
Requesting an electronic signature using the recipient's certificate by providing the receipt electronic document to the recipient terminal used by the recipient who has requested the withdrawal of the transaction amount; And
And receiving the recipient electronic signature obtained by digitally signing the receipt electronic document from the recipient terminal via the recipient's certificate.
The method according to claim 1,
When a receipt electronic document including transaction contents corresponding to the relief money transfer request information is generated, a hash value generated by unidirectionally hashing the receipt electronic document with a specified hash algorithm is stored as a leaf node a root hash of the Merkle Tree including i hash values of i (i > = 1) receipt electronic documents is generated, and a proof of job of the generated root hash and the specified difficulty level An Nth document authentication block including an Nth (N > = 1) leaf block including a value (Nounce) is attached to the generated Nth lip block, and an i < th > And a block encryption step of causing the management server to store the management information in a management DB.
9. The method of claim 8,
And providing said receipt document to a designated block cipher server,
The block cipher server generates a hash value by one-way hashing with the designated hash algorithm using the designated hash algorithm, and generates at least i (i > = 1) acceptance e-mails including the generated hash value as a leaf node A) generating a root hash (RH) of a merge tree including i hash values of the document;
B) generating a Nth unbuffered lip block including the block hash of the previous document authentication block and the generated root hash but not including the job proof value;
The block encryption server provides difficulty values of the Nth unfinished lip block and the designated proof of work (POW) to at least M (M? 1) operation servers associated with the block cipher server, C) requesting a distributed operation of the task proof value of the designated degree of difficulty for the Nth incomplete lip block;
Wherein the block cipher server obtains a valid work proof value which is the first operation succeeding from the m (1? M? M) operation server of any one of the M operation servers within the specified timeout and an Nth block error A step d) of receiving a poem; And
The block cipher server completes the Nth Lip block by substituting the calculated job proof value and the Nth block hash into the Nth incomplete Rip block and attaches i receipt document to the completed Nth Lip block And an eighth step of generating an Nth document authentication block based on the received authentication information.
The method according to claim 1,
When a receipt electronic document including transaction details corresponding to the safe transfer request information is generated and a recipient electronic signature is attached to the receipt electronic document through the recipient's certificate,
Further comprising the step of storing the receipt electronic document attached with the recipient electronic signature in an authorized electronic document repository.

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