KR101628624B1 - System and method for global remittance service based on the bitcoin - Google Patents
System and method for global remittance service based on the bitcoin Download PDFInfo
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- KR101628624B1 KR101628624B1 KR1020150077098A KR20150077098A KR101628624B1 KR 101628624 B1 KR101628624 B1 KR 101628624B1 KR 1020150077098 A KR1020150077098 A KR 1020150077098A KR 20150077098 A KR20150077098 A KR 20150077098A KR 101628624 B1 KR101628624 B1 KR 101628624B1
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Abstract
Description
The present invention not only enables the global remittance service to be carried out only by the addressee of the recipient residing in another country, but it also guides the recipient of the remittance from one country to the recipient of the other country via CD or ATM, It is a digital money that can be used as a global remittance service. It is based on a bit coin that forms the same value globally. By means of guiding the global remittance service, the remittance amount of the remitter can be precisely If important information used as an authentication means among the global remittance services based on bit coin is leaked during the execution of a global remittance service between a remitter located in a country and a remittee located in another country, One of the country's bit coin exchange servers The present invention relates to a system and method for reciprocal inter-country remittance based on a bit coin provided with a means for preventing the occurrence of financial accidents even when important information used as an authentication means is leaked out of global remittance services based on stored bit coins will be.
In general, a sender who wants to remit money to a recipient can remit a certain amount from his or her account to the account of the recipient through a bank visit, a financial automation device, Internet banking, phone banking or mobile banking. In this case, the remitter should not only have his / her own bank account, but also must clearly recognize the account number, bank name, account holder, etc. of the remitter.
That is, if the remitter does not know the account number of the remittee, the remittance service itself can not be performed.
Furthermore, if the bank network established in the country where the remitter (or remitter) resides resides in a different country (ie, a different country), the remitter and recipient may not be able to establish a bank account Even if they are aware of the information related to the existing remittance service, such as the remittance service itself.
It has been resolved by the conventional electronic money remittance system and electronic money remittance method disclosed in the Korean Intellectual Property Office (Published Japanese Patent Application No. 10-2010-0130712).
1 is an overall configuration diagram showing a conventional electronic money transfer system.
As shown in the figure, in the conventional electronic money transfer system, the
The electronic money transfer method using the conventional electronic money transfer system will be described as follows.
First, the user of the
Thereafter, when the request for remittance is received from the
The
The
When the
Thereafter, the
Thus, the terminal device B (20) of the recipient who receives the electronic money charging signal increases the electronic money of the
Accordingly, the conventional electronic money transfer system allows the remitter to easily exchange / transfer electronic money using the mobile phone number of the recipient terminal device of another country, so that even if the recipient does not recognize the bank account information of the recipient, It can provide great convenience in exchanging / transferring money between countries, and provides advantages in solving the conventional distrust of electronic money transactions with acquaintances of other countries through a weak banking network.
However, despite these advantages, the conventional electronic money transfer system and method have the following problems.
The conventional electronic money transfer system and method perform a dispatch service between different countries in electronic money so that remittance can be made even if the account information which is information related to remittance of the bank network or recipient is not recognized, Should be used. However, since the value of the electronic money used by the heterogeneous countries (A country and B country) is different from each other as well as there are restrictions on the actual usable parts of the electronic money due to the nature of the money, the intermediary server (50) Based on the exchange rate information of each country showing the value of the electronic money based on the remittance amount having the electronic money value of the resident A country, the recipient converts and converts the value of the electronic money of the B country in which the recipient resides. For this reason, the sender can not confirm whether or not he / she is remitted as accurately as the value of the electronic money he / she transfers.
In addition, in the conventional electronic money transfer system and method, in order to perform the inter-country remittance service, the receiver confirmation and exchange transfer related information according to the remittance request signal transmitted from the
It is an object of the present invention to provide a remittance service not only for a remitter who resides in another country but also for remittance from a remitter in a country to a CD Cash Dispenser) or ATM (Automated Teller Machine) to provide a global remittance service even in the banking networks of the rest of the world. The present invention provides a system and method for dispatching a disparate country to a recipient based on a bit coin that enables the remitter to accurately recognize the number of remittances sent by the dispatcher by the currency ratio of the other country.
It is another object of the present invention to provide a method and apparatus for transmitting important information used as an authentication means among a global remittance service based on bit coin to a remitter located in a country and a remittee located in another country, Based on a bit coin stored in a bit coin exchange server of a corresponding country, based on a bit coin equipped with a means for preventing the occurrence of a financial accident even if important information used as an authentication means is leaked out And to provide a system and method for remittance between different countries.
In order to achieve the present invention, the dispatch system for dispatching disparate information on the basis of the bit coin of the present invention is a dispatch system for dispatching dispatch request information of a recipient country, the number of remittances denominated in a monetary unit of a country, A remitter terminal; The number of remittances denominated in a denomination of a country is converted into a bit coin by referring to the recipient country name included in the remittance request information of the other country transmitted from the remittance terminal of the one country, Coin settlement transaction information is generated and transmitted by referring to the transferred remittance request information of the other country, and a transaction consisting of a remittance conversion bit coin amount, a remittance person information of a country, and a recipient telephone number in which the number of remittances denominated in a denomination of a country is converted into a bit coin The remittance amount information of the other country is converted and converted into the denomination of the other country by referring to the remittee telephone number included in the transmitted remittance request information of the other country, Recipient country remittance information, which consists of the number of A one-bit bit coin exchange server for generating and transmitting the one bit coin; A block chain is installed, and the bit coin settlement transaction information transmitted from the one-country bit coin exchange server is verified by verifying the bit coin settlement transaction information for the heterogeneous country transfer, and bit coin settlement transaction information for dissimilar country remittance is transmitted Block chain holding servers for recording in the block chain; A recipient terminal for allowing the recipient to browse the remittance guidance information for the recipient sent from the one-bit bit coin exchange server to the terminal held by the recipient residing in another country; It is a terminal that is located in another country that is a recipient country and provides withdrawal service of local currency commonly used in other countries. It generates and transmits remittance payment request information including the number of remittances of the remittances of other countries A money supply terminal; And the number of remittances of the other country's remittance and the remittee telephone number included in the remittance payment request information transmitted from the other nation's common currency denomination terminal are received from the one-station bit coin exchange server, The other-country bit coin exchange server for informing the other-country denomination-paying terminal to fetch the number of remittances of the other-country remittance amount to the other-country denomination-paying terminal if the number of remunerations of the other country's remittance- .
Wherein the one-bit bit coin exchange server generates the server authentication key input information used as the authentication means when the remittee fetches the remittance amount, and transmits the generated server authentication key input information to the other- The other-station common currency denomination terminal collects and transmits the server authentication key-entry information input by the receiver to the remittance-payment request information, and the other-station bit coin exchange server transmits, If the same key input information for server authentication collected in the other country remittance guidance information for the transaction is matched with the key input information for server authentication collected in the remittance payment request information and the same is matched, the number of remittances of the other country's remittance amount to the other- Guidance.
The one-country reminder terminal includes a terminal installation area name indicating the name of the other country in which the other-country common-denomination payment terminal, to which the remitter is paid, is provided, and a range of time the recipient is expected to receive the remittance amount from the other- A security settlement message including at least one of a predetermined amount of money to be remitted and a device ID for identifying the other-country denomination-paying terminal to which the remittee is paid the remittance amount, and transmits the generated security- And the other-denomination-denominated-money-dispensing terminal collects the name of the area where the corresponding non-denomination-paying terminal is installed, the name of the terminal-installed area, the remittance amount The time at which the payment request is made, and the date at which the foreign currency denominated terminal And transmits the generated recipient authentication information to the remittance payment request information, and transmits the generated recipient authentication information to the other-station bit coin exchange server , The one-bit bit coin exchange server transmits to the one-station bit coin exchange server the recipient authentication information collected in the transmitted remittance payment request information, And coincides with the recipient authentication information transmitted from the other-station bit coin exchange server and instructs the other-station bit coin exchange server to allow the withdrawal of the remittance amount.
Wherein said one-country remitter terminal transmits to said other-remittee-remittee terminal an outflow blocking password used as an identification means of only two remitter and remittee, and said other-station denomination-paying terminal transmits said outflow blocking password input by said remitter to said remittance- And the one-station bit coin exchange server transmits the password for the outflow blocking collected in the transmitted remittance payment request information to the one-bit bit coin exchange server, Blocking password transmitted from the bit-coin exchange server is transmitted to the one-station remitter terminal by requesting the one-station remitter terminal to transmit the outflow blocking password to the one-station remitter terminal and the outflow blocking password transmitted from the one- If the password for blocking is matched and the same One country transfer amount converted to station bit coin exchange server guides to allow the withdrawal of the other stations can transfer amount.
The reciprocal inter-country remittance service is performed through the recipient's telephone number using the bit coin-based disparate inter-country remittance system of the present invention, and the security process is performed simultaneously so that the remittance amount of the remitter is not damaged Transmitting to the one-country bit coin exchange server a request for remittance from other countries, the remittance request information including a country name of a recipient, a denomination of a denomination of a country, and a recipient telephone number; When the remittance request information of the other station is transmitted from the one-station remittant terminal at the one-bit bit coin exchange server, the remittee generates key input information for server authentication used as an authentication means when the remittee withdraws the remittance amount, Generates remittance guidance information for foreign countries consisting of a remittance conversion bit coin amount exchanging the number of remittances denominated in a denomination of a country into a bit coin, information of a remittance person in the country, a recipient telephone number, and the generated key input information for server authentication To the other-station bit coin exchange server located in another recipient country, and the remittance amount denoted by the denomination of the denomination in the denomination of the denomination of the denomination of the denomination of the denomination of the denomination The number of remittances of the other countries' remittances to the displayed country, the remitter information of the country, Generating remittance remittance guidance information for the purchaser made up of the key input information for authentication and transmitting the remittance remittance information to the remittee terminal of the remittee resident in the other station; Receiving, at the other-station recipient terminal, remittance guidance information for the recipient sent from the one-bit bit coin exchange server so that the remittee can browse; The number of remittances to other countries, the recipient telephone number, and the key input information for server authentication, which are located in the recipient country and are provided in the other country's common currency denomination terminal for providing local money withdrawal services common to other countries Generating and transmitting remittance payment request information to the other-station bit coin exchange server; Receiving the other-station remittance guidance information transmitted from the one-station bit coin exchange server at the other-station bit coin exchange server, and receiving server authentication key input information included in the remittance payment request information transmitted from the other- Confirming whether the received key exchange information is identical with key input information for server authentication included in the received remittance guidance information for other countries; In the other-station bit coin exchange server, the server authentication key information included in the remittance payment request information transmitted from the other-country denomination-paying terminal is transmitted to the server included in the other- And performing the procedure of fetching the number of remittances of the other country's remittance amount to the other country if the same as the key input information for authentication is the same.
The reciprocal inter-country remittance service is performed through the recipient's telephone number using the bit coin-based disparate inter-country remittance system of the present invention, and the security process is performed simultaneously so that the remittance amount of the remitter is not damaged , The one-country bit coin exchange server refers to the transmitted remittance request information of the other country, and transmits the number of remittances denominated in the denomination of one country to a denomination consisting of a remittance conversion bit coin amount converted into bit coin, And transmits the other-station remittance guidance information to the other-station bit coin exchange server. The remittance amount of the denomination denominated in the denomination of the denomination of the denomination of the denomination denominated in the denomination Receipt of the number of remittances from one country and the number of remittances from other countries And transmitting the information to the other recipient terminal by referring to the name of the recipient country included in the other-station transfer request information transmitted from the one-station remitter terminal by the one-bit bit coin exchange server, Generating a bit coin settlement transaction information for a disparate country transfer requesting settlement of the exchange rate bit coin and transmitting it to the block chain holding servers; In the block chain holding servers, the bit coin settlement transaction information for the heterogeneous country remittance transmitted from the one-bit bit coin exchange server is verified by verifying the bit coin settlement transaction, and the bit coin settlement transaction information In a block chain.
The reciprocal inter-country remittance service is performed through the recipient's telephone number using the bit coin-based disparate inter-country remittance system of the present invention, and the security process is performed simultaneously so that the remittance amount of the remitter is not damaged Receiving the other-station remittance guidance information transmitted from the one-station bit coin exchange server at the other-station bit coin exchange server, inputting a key for server authentication included in the remittance payment request information transmitted from the other- Wherein the step of verifying whether the information matches the server authentication key input information included in the received other transaction remittance information for transaction use further comprises the steps of receiving, at the other-station bit coin exchange server, If the key input information for server authentication contained in the request information is the one- Comprising: instructions that, if received from the transaction server to use the same with other stations by matching transfer guidance information input key information for the server certificate is not included in the take-off of the other station in one country currency transfer amount converted to a monetary payment terminal can transfer amount and the other stations; And outputting a message that the withdrawal of the number of remittances from other countries to remittance of the remittance of one country is not possible at the reminders terminal for the other countries.
The reciprocal inter-country remittance service is performed through the recipient's telephone number using the bit coin-based disparate inter-country remittance system of the present invention, and the security process is performed simultaneously so that the remittance amount of the remitter is not damaged , The remittance terminal of the one country transmits to the one bit coin exchange server the remittance request information of the other country including the name of the recipient country, the number of remittances denominated in the denomination of one country and the remittee telephone number in the remittance terminal of the one country, The name of the area where the terminal is installed, the name of the area where the terminal is installed, the amount of the remittance indicating the range of time the recipient is expected to receive the remittance from the terminal at the other country's common currency, and the remittance amount A device that identifies a pay-as-you-go terminal And transmits the generated agreement message for security to the other-station remittance request information, and transmits the agreement message to the other-station remittance request information, A foreign currency denomination providing terminal which provides a general denomination of local currency denomination generates remittance payment request information including the number of remittances of the remittances of the other country to the remittance amount converted by the remittee, the recipient telephone number and the key information for server authentication, The method of claim 1, wherein the foreign currency denominated terminal further comprises a terminal setting area name indicating an area where the corresponding foreign currency denomination terminal is installed, a remittance amount requested by the payee from the foreign currency denomination terminal, The payment request time and the device ID identifying the corresponding foreign currency denominated terminal Side coin exchange server transmits the settlement-side authentication information to the other-station bit coin exchange server, and transmits the settlement-side authentication information to the other-station bit coin exchange server, The server authentication key input information included in the remittance payment request information transmitted from the other nation's common currency denomination terminal is matched with the server authentication key input information included in the other country remittance guide information received from the one-bit bit coin exchange server , The step of performing the procedure of fetching the number of remittances of the other country's remittance amount may further comprise the step of, at the other-station bit coin exchange server, transmitting the remittee-side authentication information collected in the remittance payment request information transmitted from the other- To a server; Checking whether the security agreement message between the parties collected in the other-station transfer request information transmitted from the one-station remitter terminal is identical to the receiver-side authentication information transmitted from the other-station bit coin exchange server in the one-station bit coin exchange server, .
The reciprocal inter-country remittance service is performed through the recipient's telephone number using the bit coin-based disparate inter-country remittance system of the present invention, and the security process is performed simultaneously so that the remittance amount of the remitter is not damaged And the recipient authentication information transmitted from the other-station bit coin exchange server is identical to the received agreement message for security between the parties collected in the other-station transfer request information transmitted from the one-station remitter terminal And the recipient authentication information transmitted from the other-station bit coin exchange server is matched with the recipient-side authentication agreement message collected in the other-station transfer request information transmitted from the one- If it is not the same, the other station bit coin exchange server Comprising: instructions that can not be drawn out of the conversion solution and the transfer amount can other stations; The method further comprising the steps of: relaying to the other-country common denomination exchange server, at the other-station bit coin exchange server, a guidance message informing that the number of remittances of the other-country remittance- And outputting a message that the withdrawal of the number of remittances from other countries to remittance of the remittance of one country is not possible at the reminders terminal for the other countries.
The reciprocal inter-country remittance service is performed through the recipient's telephone number using the bit coin-based disparate inter-country remittance system of the present invention, and the security process is performed simultaneously so that the remittance amount of the remitter is not damaged , The remittance request information of the other country including the name of the recipient country, the number of remittances denominated in the denomination of one country, and the remittee telephone number is transmitted from the remittance terminal to the one-country remittant terminal, Further comprising the step of transmitting an outflow blocking password which is used as an identification means of only the remitter and the receiver, wherein the remittance of the foreign currency denominated in the other country, which is located in the recipient country, , The number of remittances of the remittances of the remittances to the other country, And transmits the remittance payment request information to the other-station bit coin exchange server, wherein the remittance terminal for the foreign-denominated coins exchanges the remittance password input by the remittee with the remittance amount Transmitting the collecting side authentication information collected in the remittance payment request information transmitted from the other-country denomination-paying terminal to the one-bit bit coin exchange server at the other-station bit coin exchange server, The other-station bit coin exchange server transmits to the one-bit bit coin exchange server a password for blocking the outflow, which is collected in the transmitted remittance payment request information, from the one-station bit coin exchange server, A security agreement message between the parties gathered in the request information, Wherein the step of verifying that the recipient authentication information transmitted from the bit coin exchange server matches the recipient authentication information transmitted from the bit coin exchange server, And the recipient authentication information transmitted from the other-station bit coin exchange server is the same, the one-station bit coin exchange server recognizes the outflow blocking password collected in the remittance payment request information transmitted from the other-station bit coin exchange server Requesting the remitter terminal to send a password for blocking the flow of money; Transmitting, at the one-station remitter terminal, a password for blocking an outflow at the request of the one-bit bit coin exchange server to the one-bit bit coin exchange server; The one-country BIT coin exchange server matches the outflow blocking password transmitted from the one-country remitter terminal and the outflow blocking password transmitted from the other-station bit coin exchange server to the other-station bit coin exchange server, And guiding the user to allow the withdrawal of the number.
The present invention is not only capable of performing a global remittance service only by the addressee of a remitter resident in another country, but also allowing the recipient of a remittance from a country to be provided with a CD (Cash Dispenser) or an ATM (Automated Teller Machine) A global remittance service is also available in the back bank network of other countries. It is a digital money that can be used for cash. It is a means of sending remittance money through a means to guide a global remittance service based on a bit coin, It is possible to accurately recognize the number of remittances by the currency ratio of other countries.
The present invention can also be applied to a case where important information used as an authentication means among a global remittance service based on bit coin is leaked during the execution of a global remittance service between a remitter located in a country and a remittee located in another country, Global remittance service based on bit coin stored in the Bitcoin Exchange server of the corresponding country. Even if important information used as an authentication means is leaked, it can be safely transmitted through global remittance There is also an effect that enables the service to be performed.
1 is an overall configuration diagram showing a conventional electronic money transfer system,
FIG. 2 is an overall configuration diagram showing a heterogeneous inter-country remittance system based on the bit coin of the present invention,
FIG. 3 is a detailed block diagram of a one-bit bit coin exchange server in a configuration of a heterogeneous inter-country remittance system based on bit coin of the present invention,
FIGS. 4 to 8 illustrate a case where a reciprocal inter-country remittance service is performed through a recipient's telephone number using a bit coin-based heterogeneous inter-country remittance system according to the present invention, and a remittance service And FIG.
DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, a configuration and an operation of an embodiment of the present invention will be described in detail with reference to the accompanying drawings.
As shown in the figure, the heterogeneous inter-country remittance system based on the bit coin of the present invention includes a
First, the
The one-
The one-nation bit
Here, the bit coin will be described as a kind of virtual money that can be paid for in-kind money, which has been recently spotlighted. In 2009, a currency was issued by digital currency created by Satoshi Nakamoto (English: Satoshi Nakamoto) And a central device to be managed does not exist. Instead, the transaction of the bit coin is performed by a distributed database based on peer-to-peer network (P2P), and transactions are performed based on the public key cryptosystem.
Such a bit coin having a payment method is advantageous in that it is available without any information such as a card number, an expiration date, and a CCV number necessary for payment of a credit card, so that the risk of theft is extremely small and the use fee is also inexpensive.
In addition, the bit coin is stored in the form of a wallet file. As will be described below, the wallet is given a private key corresponding to each unique address, that is, a public address and a password. The purchase of goods is performed using the bit coin based on the address of the public address.
In this way, digital virtual money that can be paid for in-kind goods includes bit coin, light coin, dark coin, name coin, pottery coin and ripple, and their common characteristic is that the trader can use digital virtual currency And the block chain in which transaction details are collected and stored is stored in the electronic wallet. For this reason, in the present invention, it is also possible to substitute one of light coin, dark coin, name coin, porcelain coin and ripple instead of bit coin.
In order to use the digital virtual currency having the block chain having settlement characteristics, the user first sets the bit coin exchange (for example, www coinplug) such as the site operated in the one-country bit
Then, after confirming the current price of the bit coin being traded at the bit coin exchange, if the purchase order is made by inputting the quantity and the unit price of the digital virtual currency having the block chain desired to purchase, the transaction is established through the sales order matching the transaction condition , The user can make settlement through the digital virtual currency having the block chain at the time of purchasing the goods.
In order to perform such a function, the
In the
First, the member
The member
The electronic wallet
Each of the bit coin exchange server holding electronic wallet
Here, a block chain is installed in an electronic wallet opened by a bit coin exchange server located in each country.
The one-country bit
The other member's remittance
The block
In the configuration of the block
In addition, the propagation of bit coin settlement transaction information for heterogeneous national remittance is promised by a communication protocol, and one node (referred to as a block chain holding server here) at the time of generating bit coin settlement transaction information for heterogeneous country transfer And transmits the bit coin settlement transaction information for the heterogeneous country remittance to the designated next eight nodes. The bit coin transaction is performed through the pyramidal propagation that repeatedly propagates to the next eight nodes designated for each of the eight nodes Is propagated to all the block
The other-
The other-
The other-country denomination-paying
The
Therefore, even if the bank network established in the country where the recipient resides is behind or is not built, the global remittance service can be implemented through the
The other-station bit
On the other hand, information may be leaked between the remitter located in one country and the remittee located in another country during the execution of the global remittance service, resulting in financial accidents.
As a first supplementary measure, information on remittance to other countries is transmitted to the other-station bit
The other-country common
Second, since the key input information for the server authentication mentioned above can also be solved by using various hacking algorithms, the
Then, the other-country denomination-paying
Then, the other-station bit
Thus, the one-nation bit
However, since the one-nation bit
Thereafter, the other-country denomination-providing
Then, the other-station bit
Thus, the one-country bit
In this way, the reciprocal inter-country remittance service is performed through the recipient's telephone number using the bit coin-based heterogeneous inter-country remittance system of the present invention, and the remittance amount of the remitter is not damaged Hereinafter, the steps performed simultaneously are described.
First, the remitter inputs the recipient country name, the number of remittances denominated in a denomination of a country, and the remitter's telephone number through the
Then, the one-country bit
At this time, the one-nation bit
Thereafter, the block-
At this time, in the electronic wallet possessed by the other-station bit
Then, the other-
Thereafter, the remittee generates remittance payment request information including the number of remittances of the other country's remittances to other countries, the recipient telephone number, and the key input information for server authentication through the other country's common
The other-station bit
Accordingly, the other-country denomination-providing
The other-station bit
That is, the other-station bit
Thereafter, the other-country denomination-paying
On the other hand, since the server authentication key information used as the authentication means can solve the encrypted information using various hacking algorithms, financial accidents can be caused.
In order to prevent this, when the procedure of withdrawing the number of remittances of other countries' remittance amounts is performed (S600), the additional remittance amount must be withdrawn only through the one-country bit
In order to do this, the one-
In addition, the other-country denomination-paying
Thus, the other-station bit
Thereafter, the one-country bit
Accordingly, the other-country denomination-providing
Then, the one-country bit
Also, the agreement message for security between the parties used as the authentication means among the global remittance services based on the bit coin stored in the one-bit bit
In order to prevent this, the one-
The other-station bit
The other-station bit
Then, the one-nation bit
The one-
Accordingly, the other-station bit
Thereafter, the other-country
100: One-country remitter terminal 200: One-country bit coin exchange server
210: DB unit 211: Member list information DB
212: Electronic wallet list information DB
213: Each country has a bit coin exchange server e-wallet list information DB
214: DB request information for other countries
300: block chain holding server 400: other station receiver terminal
500: Currency denomination for other countries 600: Other station bit coin exchange server
Claims (11)
The recipient country name included in the other country remittance request information transmitted from the one-country reminder terminal 100, the number of remittances denominated in a denomination of one country is converted into bit coins, and a heterogeneous country A remittance conversion bit coin amount in which the number of remittances displayed in a currency unit of a country is converted into a bit coin by referring to the transmitted remittance request information of the other country, And the number of remittances denominated in the denomination of one country is converted into the denomination of the denomination of the other country by referring to the remitter telephone number included in the transferred remittance request information of the other country, Transfers from other countries for recipients made from the number of transferee transfers and the remitter's information in one country A country-bit coin exchange server 200 for generating and transmitting a and;
A block chain is installed, and the bit coin settlement transaction information for the heterogeneous country remittance transmitted from the one-country bit coin exchange server 200 is verified by verifying the bit coin settlement transaction, A block chain holding server (300) for recording transaction information in the block chain;
A foreign recipient terminal (400) for allowing a recipient to browse recipient's other country remittance guidance information transmitted from said one-country bit coin exchange server (200) to a terminal owned by a recipient residing in another country;
It is a terminal that is located in another country that is a recipient country and provides withdrawal service of local currency commonly used in other countries. It generates and transmits remittance payment request information including the number of remittances of the remittances of other countries A money providing terminal 500;
The number of remittances to other countries included in the remittance payment request information transmitted from the other-country denomination-paying terminal 500, and the number of remittances of the remittance- If the recipient's telephone number matches the recipient telephone number and the number of remittances of the other country's remittance-converted foreign country included in the received other-country remittance guidance information for the transaction, the number of remittances of the other country's remittance amount converted to the remittance- The other-station bit coin exchange server 600,
The one-country reminder terminal 100 transmits the outflow blocking password used as the identification means of only the remitter and the remittee to the other-terminal remittee terminal 400,
The foreign currency denomination payment terminal 500 collects the outflow blocking password entered by the remittee into the remittance payment request information and transmits the same,
The other-station bit coin exchange server 600 transmits the outflow blocking password collected in the transmitted remittance payment request information to the one-bit bit coin exchange server 200,
The one-country bit coin exchange server 200 requests the one-country remitter terminal 100 to transmit the outflow blocking password when the outflow blocking password is transmitted from the other-station bit coin exchange server 600, Blocking password transmitted from the terminal 100 and the outflow blocking password transmitted from the other-station bit coin exchange server 600 are identical to each other, and if the same password is transmitted to the other-station bit coin exchange server 600, the number of remittance- Withdrawing the withdrawal of the withdrawal request from the dispatcher.
The one-country bit coin exchange server 200 generates key input information for server authentication, which is used as authentication means when the remittee fetches the remittance amount, and transmits the generated server authentication key input information to the other- Information and remittance guidance information for the recipient,
The foreign currency denomination payment terminal 500 collects the server authentication key input information input by the remittee in the remittance payment request information,
The other-station bit coin exchange server 600 matches key input information for server authentication collected in the other-station remittance guidance information for transaction and key input information for server authentication collected in the remittance payment request information, And informs the money dispensing terminal (500) to fetch the number of remittances of the other country's remittance amount to the other country.
The one-country reminder terminal 100 includes a terminal installation area name indicating the name of the other country in which the other-country common-use money payment terminal 500 to which the remittee is to be paid is paid, And a device ID for identifying the other-country-common-denomination payment terminal 500 to which the recipient is to be paid the number of remittances, which indicates the range of the remittance scheduled time to be paid, , Collects the created security agreement message for the other parties in the other-station transfer request information,
The other-country denomination-paying terminal 500 stores the name of the area where the other-denomination-denominated-money-providing terminal 500 is installed, the name of the terminal-installed area indicating the name of the area where the denomination of the remittance- Side authentication information storing information corresponding to the agreement message for security among the parties, among the payment request time and the device ID that identifies the corresponding foreign currency denomination terminal 500, and transmits the generated recipient- Collects and transmits them to the remittance payment request information,
The other-station bit coin exchange server 600 transmits the payee-side authentication information collected in the transmitted remittance payment request information to the one-bit bit coin exchange server 200,
The one-country bit coin exchange server 200 matches the inter-party security agreement message transmitted from the one-country reminder terminal 100 and the recipient-side authentication information transmitted from the other-station bit coin exchange server 600, And informs the other-station bit coin exchange server (600) to allow withdrawal of the number of remittances.
The one-country bit coin exchange server 200 includes a DB unit 210,
The DB unit 210 stores information such as a member's ID, a password, a telephone number including a mobile communication terminal, a member's personal information including a mailing address, and a deposit amount deposited by a member A member list information DB 211 divided and stored for each member;
An electronic wallet list information DB 212 in which an electronic wallet including a public address (public address), a private key and a bit coin amount information of the bit coin opened by the member is separately stored for each member;
An electronic wallet list information DB 213 for each country in which the electronic wallet opened for bit coin transaction is stored in the bit coin exchange server located for each country in addition to the other country bit coin exchange server 600;
The remittance request information for the other country including the key input information for the server authentication and the settlement message for security between the parties in addition to the recipient country name, the number of remittances denominated in the monetary unit of the country and the remittee telephone number, (214). The system according to any one of claims 1 to 3,
When the remittance request information of the other country is transmitted from the one-country remittant terminal 100 to the one-station bit coin exchange server 200, the recipient generates key input information for server authentication, which is used as an authentication means when fetching the remittance amount, A transaction amount consisting of a remittance conversion bit coin amount converted from the number of remittances denominated in a denomination of a country to a bit coin by referring to the transmitted remittance request information of the other country, a remittance person information of the country, a recipient telephone number, To the other-station bit coin exchange server 600 located in another recipient country, referring to the recipient telephone number included in the transferred other-station transfer request information, and transmits the remittance amount indicated in the currency unit of the country The number of remittances of the other country, the number of remittances of the other country, Generated step (S200) for generating a received cited stations transfer guidance information consisting of the server certification key input for information and transmits it to the other station the recipient terminal 400 held by a recipient based in other stations and;
A step (S300) of allowing the recipient to browse other recipient remittance guidance information transferred from the one-country bit coin exchange server 200 at the other recipient recipient terminal 400;
In the foreign currency denomination terminal 500, which is located in another country that is the recipient country and provides withdrawal service of local currency common to other countries, the number of remittances of foreign countries transmitted by the recipient, the recipient telephone number, and the key for server authentication (S400) of transmitting the remittance payment request information to the other-station bit coin exchange server (600);
The other-station bit coin exchange server 600 receives the other-station transfer remittance information transmitted from the one-station bit coin exchange server 200 and transmits the remittance payment request information transmitted from the other- (S500) of confirming whether the included key input information for server authentication is identical to the key input information for server authentication included in the received other transaction remittance guidance information for the transaction;
In the other-station bit coin exchange server 600, key input information for server authentication included in the remittance payment request information transmitted from the other-country denomination-providing terminal 500 is transmitted from the one-bit bit coin exchange server 200 (S600) of performing a procedure of fetching the number of remittances of the other country's remittance amount conversion if the same is matched with the key input information for server authentication included in the remittance information of other countries' remittances,
In step S100, the one-country remitter terminal 100 transmits the other-country remittance request information including the country name of the recipient, the number of remittances denominated in the denomination of one country, and the recipient's phone number to the one-country bit coin exchange server 200, (100) receives the number of remittances from the other-country denomination-paying terminal (500), the name of the terminal installation area indicating the name of the other country where the other-country-common-denomination-payment terminal (500) And a device ID for identifying the other-country-common-denomination-payment terminal 500 to which the remittee is to be paid the remittance amount scheduled time range indicating the range of time, Collects the agreement message for security between the parties in the other-station remittance request information,
In the foreign currency denominated payment terminal 500 that is located in another recipient country and provides the local currency denomination service of another country, the number of remittances of the foreign country remittance amount converted by the remittee, the recipient phone number, and the server authentication key The foreign currency denomination terminal 500 transmits the remittance payment request information including the input information to the other country bit coin exchange server 600 in step S400, , The terminal settlement area name indicating the name, the remittance payment request time requested by the payee for the payment of the remittance amount from the foreign currency denomination terminal 500 and the device ID identifying the corresponding foreign currency denomination terminal 500 Side authentication information in which information corresponding to the settlement message is stored, and transmits the generated recipient-side authentication information to the remittance- Collects and transmits the payment request information,
In the other-station bit coin exchange server 600, key input information for server authentication included in the remittance payment request information transmitted from the other-country denomination-providing terminal 500 is transmitted from the one-bit bit coin exchange server 200 (S600) of performing the procedure of fetching the number of remittances of the other country's remittance amount by matching the same with the key authentication information for server authentication contained in the remittance information for other countries, (S610) transmitting the payee authentication information collected in the remittance payment request information transmitted from the payment terminal (500) to the one-station bit coin exchange server (200); In the one-country bit coin exchange server 200, a security settlement message between the parties collected in the other-station transfer request information transmitted from the one-country reminder terminal 100 and the recipient-side authentication information transmitted from the other- (S620) of matching the information and confirming the same,
After the step S100 of transmitting the remittance request information of the other country made up of the remittee country name, the number of remittances denominated in the monetary unit of one country and the remittee telephone number in the remittance terminal 100 to the one-country bitcoat exchange server 200, (S110) of transmitting an outflow blocking password used as an identification means of only the remitter and the remittee to the other-terminal remittee terminal (400)
In the foreign currency denominated payment terminal 500 that is located in another recipient country and provides the local currency denomination service of another country, the number of remittances of the foreign country remittance amount converted by the remittee, the recipient phone number, and the server authentication key The foreign currency denomination terminal 500 transmits the outflow blocking password input by the recipient to the foreign currency coin exchange server 600 in step S400 in order to generate the remittance payment request information including the input information, Collects and transmits the request information,
In step S610, the other-station bit coin exchange server 600 transmits the payee side authentication information collected in the remittance payment request information transmitted from the other-country denomination paying terminal 500 to the one-bit bit coin exchange server 200 The other-station bit coin exchange server 600 also transmits the outflow blocking password collected in the transmitted remittance payment request information to the one-bit bit coin exchange server 200,
In the one-country bit coin exchange server 200, a security settlement message between the parties collected in the other-station transfer request information transmitted from the one-country reminder terminal 100 and the recipient-side authentication information transmitted from the other- In step S620, the one-country bit coin exchange server 200 transmits a message for security agreement between parties collected in the other-station transfer request information transmitted from the one-country reminder terminal 100, If the recipient authentication information transmitted from the bit coin exchange server 600 is identical to the recipient authentication information transmitted from the other coin exchange server 600, (S630) requesting transmission of the outflow blocking password to the remitter terminal 100 after recognizing the outflow blocking password; (S640), at the one-country remitter terminal (100), transmitting the outflow blocking password to the one-station bit coin exchange server (200) at the request of the one-bit bit coin exchange server (200); The one-country bit coin exchange server 200 matches the outflow blocking password transmitted from the one-country remitter terminal 100 and the outflow blocking password transmitted from the other-station bit coin exchange server 600, (S650) of allowing the coin exchange server (600) to allow the withdrawal of the number of remittances of the other country's remittance amount to another country (S650).
The one-country bit coin exchange server 200 refers to the transmitted other-country remittance request information, and transmits a transaction consisting of a remittance conversion bit coin amount, a remittance-in-use-by-money information, and a remitter telephone number And transmits the other-station remittance guidance information to the other-station bit coin exchange server 600. The number of remittances denominated in the denomination of one country is denominated in the denomination of the other country by referring to the remittee telephone number included in the transmitted- After the step S200 of generating and transmitting to the recipient terminal 400 the remittance guidance information for the recipient made up of the number of remittances of the remittances of the remittances of the remittances of the other countries denominated in the currency conversion and the remitter information of the one nation,
The number of remittances denominated in a currency unit of a country is converted into bit coin by referring to the recipient country name included in the other country remittance request information transmitted from the one-country remitter terminal 100 in the one-nation bit coin exchange server 200, (S210) of generating bit-coin settlement transaction information for heterogeneous country transfer requesting settlement of a bit-coin to the block-chain holding servers 300;
In the block chain holding servers 300, the bit coin settlement transaction information for the heterogeneous country remittance transmitted from the one-bit bit coin exchange server 200 is verified to verify bit coin settlement, and in accordance with the authentication, And a step (S220) of recording the bit-coin settlement transaction information for the bit-coin in the block chain.
The other-station bit coin exchange server 600 receives the other-station transfer remittance information transmitted from the one-station bit coin exchange server 200 and transmits the remittance payment request information transmitted from the other- In step S500, it is determined whether the included key input information for server authentication is identical to the key input information for server authentication included in the received other-
In the other-station bit coin exchange server 600, key input information for server authentication included in the remittance payment request information transmitted from the other-country denomination-providing terminal 500 is transmitted from the one-bit bit coin exchange server 200 (S510) if it is not the same as the key input information for server authentication included in the other-station remittance guidance information and that it is impossible to fetch the number of remittances from other countries to the other-country denomination paying terminal 500;
(S520) of outputting a message indicating that the number of remittances of other countries' remittances can not be withdrawn at the foreign currency denomination terminal (500) (S520).
In the one-country bit coin exchange server 200, a security settlement message between the parties collected in the other-station transfer request information transmitted from the one-country reminder terminal 100 and the recipient-side authentication information transmitted from the other- In step S620 of matching the information and confirming that the information is the same,
In the one-country bit coin exchange server 200, a security settlement message between the parties collected in the other-station transfer request information transmitted from the one-country reminder terminal 100 and the recipient-side authentication information transmitted from the other- If the information is not identical, step S621 is performed to inform the other-station bit coin exchange server 600 that withdrawal of the remittance amount of the other country's remittance amount conversion is impossible to the other-station bit coin exchange server 600;
The other-station bit coin exchange server 600 notifies the other-country denomination-paying terminal 500 of a guidance message indicating that the number of remittances of the other-country remittance-converted other-country remittances informed from the one-station bit coin exchange server 200 is inapplicable Step S622;
Further comprising the step of: (S623) outputting, at the step S623, a message indicating that the number of remittances of other countries' remittances can not be withdrawn at the monetary dispensing terminal (500) of the other country (S623).
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| KR1020150077098A KR101628624B1 (en) | 2015-06-01 | 2015-06-01 | System and method for global remittance service based on the bitcoin |
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