WO2018194379A1 - Procédé d'approbation de l'utilisation d'une carte à l'aide d'un identificateur de jeton sur la base d'une chaîne de blocs et structure en arbre de merkle associée à celui-ci, et serveur l'utilisant - Google Patents

Procédé d'approbation de l'utilisation d'une carte à l'aide d'un identificateur de jeton sur la base d'une chaîne de blocs et structure en arbre de merkle associée à celui-ci, et serveur l'utilisant Download PDF

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Publication number
WO2018194379A1
WO2018194379A1 PCT/KR2018/004522 KR2018004522W WO2018194379A1 WO 2018194379 A1 WO2018194379 A1 WO 2018194379A1 KR 2018004522 W KR2018004522 W KR 2018004522W WO 2018194379 A1 WO2018194379 A1 WO 2018194379A1
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Prior art keywords
hash value
card
information
server
financial server
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PCT/KR2018/004522
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English (en)
Korean (ko)
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서문규
홍재우
어준선
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주식회사 코인플러그
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Publication of WO2018194379A1 publication Critical patent/WO2018194379A1/fr

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4018—Transaction verification using the card verification value [CVV] associated with the card
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/356—Aspects of software for card payments
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821—Electronic credentials
    • G06Q20/38215—Use of certificates or encrypted proofs of transaction rights
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3827—Use of message hashing
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes

Definitions

  • the present invention relates to a method for authorizing card use using a blockchain and a Merkle Tree-based token ID linked thereto, and a server using the same. More specifically, a user included in payment request information obtained from a service providing terminal is provided. Obtaining a push token ID registered in the first blockchain database using the first blockchain transaction ID corresponding to the identification information, or obtaining a data message from the second blockchain database using the second blockchain transaction ID, Acquiring the push token ID registered in the first blockchain database from the Merkle tree information and the leaf node information stored in the first blockchain database in association with the first representative hash value included in the data message, and corresponding to the push token ID.
  • Authentication of the order data to the user terminal Checks the validity of the user signature value signed by the user's private key with the order data obtained from the user terminal, and registers the order data in the first blockchain database and manages a corresponding third blockchain transaction ID. If the triggering condition is satisfied, the second block chain stores the second representative hash value calculated by applying a hash function to the order data and at least one neighboring hash value matching the second specific hash value. Register in the database and manage the corresponding fourth blockchain transaction ID, and transmit the approval request information to the financial server, the financial server to verify the order data, and transmit the approval result information corresponding to the verification result, If the approval result information is obtained from the financial server, the approval result information is transferred to the first blockchain data.
  • the present invention relates to a method and a server for approving card use using a token ID based on a Merkle tree structure.
  • the general flow of payment using a credit card is as follows.
  • a user makes a purchase request to a service provider such as a shopping mall by purchasing a specific product or service, and inputs a card number to an online certification company.
  • a service provider such as a shopping mall by purchasing a specific product or service
  • the online certification company requests the card company to authenticate the card number, and receives an authentication result of the card number from the card company. If the authentication result is successful, the online certification company passes the authentication number to the service provider, the shopping mall passes the encrypted card number and the authentication number to the payment gateway (PG company) and the payment agency passes it to the VAN company. And, the VAN is a serial delivery is made to pass it back to the card company. Then, the approval result from the card company is delivered to the VAN company, the VAN company to the payment agency, the payment agency from the payment provider to the service provider, and the user receives the final approval result.
  • the online certification company passes the authentication number to the service provider
  • the shopping mall passes the encrypted card number and the authentication number to the payment gateway (PG company) and the payment agency passes it to the VAN company.
  • the VAN is a serial delivery is made to pass it back to the card company.
  • the approval result from the card company is delivered to the VAN company, the VAN company to the payment agency, the payment agency from the payment provider
  • Conventional payment method of the related art has been a method of making a payment by inputting a general payment password registered with a user's credit card number after performing separate user authentication and card authentication for online payment. It can be said to be a payment method by entering a card number of a credit card which is weak in verification.
  • the payment agency and VAN company since the payment agency and VAN company stores and uses the user's card number, there is a disadvantage in that the risk of leaking card information is greatly exposed.
  • the payment flow of the simple payment which is a step further than the general payment method, is as follows.
  • the service provider requests a payment from a payment agency.
  • the payment agency sends an authentication request signal to the simple payment app provided to be installed on the user's mobile terminal by the payment agency, and the user takes an authentication confirmation action such as inputting a predetermined password as a response to the authentication request signal.
  • the card number of the credit card is sent to the payment agency from the simple payment app, the payment agency authenticates itself, passes the encrypted card number to the VAN company, and the VAN company transfers it to the card company again.
  • the approval result from the card company is delivered to the VAN company, the VAN company to the payment agency, the payment agency from the payment provider to the service provider, and the user receives the final approval result.
  • Such a simple payment is a service that allows a simple and complicated payment of the general payment method in the online payment simply by inputting the app password.
  • the simple payment method requires excessive cost and effort to obtain information protection certification, qualified PG company, and PCI-DSS certification, and abnormal transactions such as FDS (Abnormal State Awareness System) While tracking systems and manpower operations are required, there is a shortage of specialist personnel.
  • FDS Abnormal State Awareness System
  • the present invention aims to solve all the above-mentioned problems.
  • Another object of the present invention is to minimize the risk of exposing the information of the card in the approval process for the use of the card.
  • the present invention by the card information is not transmitted and received between the entities (entities) participating in the approval of the use of the card, the card information is not exposed so that personal information is protected, it is possible to authorize the use of the card with high reliability of identity authentication. To make another purpose.
  • the present invention is another object of not only simplifying the system but also reducing the maintenance cost by using a blockchain database without using a VAN company or a PG company in the approval of the use of the card.
  • the mediation server (1) the Obtain the push token ID registered in the first blockchain database using the first blockchain transaction ID corresponding to user identification information, or (2) the second information corresponding to the user identification information of the payment request information; Acquire a data message from the second blockchain database using a second blockchain transaction ID, and relate to a value obtained by processing the first representative hash value or the first representative hash value included in the data message; Recalling Merkle tree information and leaf node information stored in the blockchain database Search in a first blockchain database, obtain the push token ID registered in the first blockchain database with reference to the found merkle tree information and leaf node information, and the user corresponding to the obtained push token ID Requesting an authentication for the order data from a terminal or supporting another device to make a request; (b) if the user signature value of signing the order data with the private key of the user is obtained from the user terminal in response to the authentication request for the order
  • a second operation of calculating a hash value and at least one neighboring hash value matching the second specific hash value Further comprising: table hash value or register the first value by processing a second hash value representative of said second block chain database, or support to enable registration to other devices and managing the fourth block chain transaction ID corresponding thereto; And (c) the intermediary server, by (i) transmitting to the financial server authorization request information including the card token ID and the order data corresponding to the user identification information or allowing other devices to transmit the financial request.
  • the server verifies the order data included in the authorization request information with reference to the order data registered in the first blockchain database in response to the card token ID included in the authorization request information, and corresponds to a verification result.
  • the intermediary server that authorizes the use of the card by using a token ID, the card token ID corresponding to the user's card information, user identification information for identifying the user, the user's Register the push token ID corresponding to the app installed in the user terminal and the public key of the user in a first blockchain database, and manage the first blockchain transaction ID corresponding to the push token ID, the card token ID, the user identification information, A first representative hash value or the first representative hash value obtained by calculating a first specific hash value generated by applying a hash function to the push token ID and the public key and at least one neighboring hash value matching the first specific hash value Register the processed hash value in the second blockchain database and the corresponding second blockchain trans
  • a user signature value obtained by signing data with the private key of the user is obtained, the user signature value is checked using the public key of the user registered in the first blockchain database, and the user signature value is valid.
  • Processing a second representative hash value or the second representative hash value calculated by calculating a second specific hash value generated by applying a hash function to pre-order data and at least one neighboring hash value matching the second specific hash value A second process of registering a value in the second blockchain database or allowing another device to register and managing a fourth blockchain transaction ID corresponding thereto; and (i) the financial server corresponding to the user identification information; By transmitting the authorization request information including the card token ID and the order data or by supporting other devices, the financial server causes the financial server to correspond to the card token ID included in the authorization request information.
  • the order data included in the approval request information with reference to the order data registered in The verification result and transmits the approval result information corresponding to the verification result to the intermediary server, and (ii) when the approval result information is obtained from the financial server, (1) sending the approval result information to the first blockchain.
  • a third representative hash value calculated by applying a hash function to the result information and at least one neighboring hash value matching the third specific hash value, or a value obtained by processing the third representative hash value The 6th blockchain transaction corresponding to registering in the second blockchain database or allowing other devices to register
  • a processor configured to manage an ID and to transmit the approval result information to at least one of the service providing terminal and the user terminal or to perform a third process for supporting another device to transmit the authorization result information.
  • a computer readable recording medium for recording a computer program for executing the method of the present invention is further provided.
  • the present invention can minimize the risk of exposing the card information in the approval process for the card use by registering the card token ID corresponding to the card information in the blockchain database and performing the approval for the use of the card.
  • the present invention by the card information is not transmitted and received between the entities (entities) participating in the approval of the use of the card, the card information is not exposed so that personal information is protected, it is possible to authorize the use of the card with high reliability of identity authentication. It can be done.
  • the present invention can improve the reliability and security of the card use approval system because it is impossible to forgery the authorization information by registering and managing the transaction related to the approval of the card use in the blockchain database of the virtual currency.
  • the present invention can not only simplify the system but also reduce maintenance costs by using the blockchain database without using VAN or PG in the approval of the use of the card.
  • a service provider such as a shopping mall does not need to introduce a complex system such as simple payment, general payment, and secure payment. .
  • FIG. 1 schematically illustrates a system for performing card authorization using a token ID according to an embodiment of the present invention.
  • 3 and 4 schematically illustrate a process of triggering a transaction related to the use of a card to a second blockchain database according to an embodiment of the present invention
  • FIG. 5 schematically illustrates a method for authorizing card use using a token ID according to an embodiment of the present invention.
  • FIG. 6 schematically illustrates a process of purchasing in a method of authorizing card use using a token ID according to an embodiment of the present invention.
  • the system includes a user terminal 10, a service providing terminal 20, and an intermediary server 100. ), And the financial server 200.
  • the user terminal 10 is a mobile device that receives information corresponding to the use of the card, and performs a user check on the received information, and includes a mobile computer, a PDA / EDA, a mobile phone, a smartphone, a tablet, and the like. can do.
  • the user terminal 10 is not limited thereto, and may include all mobile devices such as a portable game machine having a wired / wireless communication function, a digital camera personal navigation, and the like.
  • the user terminal 10 may include a communication unit that supports the transmission and reception of information and a processor that processes the information.
  • the user terminal 10 may include an application (APP), which is a user interface provided by an intermediary server.
  • APP an application
  • the service providing terminal 20 may be a terminal that performs payment according to the user's use of a card, and may include a card payment terminal of an offline shopping mall or a payment server of an online shopping mall.
  • the service providing terminal 20 may include any terminal that enables payment using a card for a cost corresponding to a service provision or a purchase of a product online or offline.
  • the mediation server 100 may include a communication unit 110 and a processor 120.
  • the intermediary server 100 may be configured with a plurality of servers that perform respective functions related to the approval of card use.
  • the mediation server 200 may be a server corresponding to each node of the first blockchain database, or may be a server managing each node of the first blockchain database.
  • the intermediate server 100 may be a server that registers a representative hash value of information related to the use of a card in the second blockchain database 400 when the triggering condition is satisfied.
  • the first blockchain database may be a private blockchain database
  • the second blockchain database 400 may be another private blockchain database or a public blockchain database linked to the first blockchain database.
  • the intermediary server 100 may be a transaction server that manages transactions with other devices in connection with the card usage authorization.
  • mediation server 100 is typically a computing device (eg, a device that may include components of a computer processor, memory, storage, input and output devices, other conventional computing devices; electronics such as routers, switches, etc.).
  • NAS network attached storage
  • SAN storage area network
  • computer software ie, instructions that cause a computing device to function in a particular way.
  • the communication unit 110 of such a computing device may transmit and receive a request and a response with another computing device to be interlocked.
  • the request and response may be made by the same TCP session, but are not limited thereto.
  • it may be transmitted and received as a UDP datagram.
  • the processor 120 of the computing device may include a hardware configuration such as a micro processing unit (MPU) or a central processing unit (CPU), a cache memory, a data bus, and the like.
  • the operating system may further include a software configuration of an application performing a specific purpose.
  • the financial server 200 may include a communication unit and a processor, and may provide a service for approval of a user's use of a card and a purchase of a service provider.
  • the financial server 200 may be a card company server, but is not limited thereto.
  • the financial server 200 may include all servers that provide an authorization service for card use, and the financial server 200 may provide a card service. It may be composed of a plurality of servers corresponding to the subject.
  • the financial server 200 may include a first financial server 210 and a second financial server 220, the first financial server 210 is a mediation server 200, the first, blockchain database, And confirming a variety of information required for card use approval through communication with the second blockchain database 400, and the second financial server 220 communicates with the first financial server 210 in a first manner.
  • the authorization operation may be performed on the card use confirmed by the financial server 210.
  • the second financial server 220 may communicate with the first financial server 210 by using an open application interface (API).
  • API open application interface
  • financial server 200 is typically a computing device (eg, a device that may include components of a computer processor, memory, storage, input and output devices, other conventional computing devices; electronics such as routers, switches, etc.).
  • NAS network attached storage
  • SAN storage area network
  • computer software ie, instructions that cause a computing device to function in a particular way.
  • the user is connected to the intermediary server 100 through the user terminal 10 to register a card to be used, for example, the user runs an app installed in the user terminal 10 for card registration, and registers a card.
  • Personal information for the user, user identification information, and card information are input (S101).
  • the personal information may include a user's name, date of birth, etc.
  • the user identification information is unique information given to each user for identification of the user, user ID, social security number, user terminal ID, IP address of the user terminal, user
  • the terminal may include at least one of a MAC address and a telephone number.
  • the card information may include a card number and a key number of a card, but is not limited thereto.
  • the card information may include information about a card issuer, that is, a card company, an expiration date, card user information, and the like.
  • the user terminal 10 When the user inputs personal information, user identification information, and card information and requests card registration, the user terminal 10 registers a card including the user's personal information, user identification information, card information, and a push token ID.
  • the request information is transmitted to the mediation server 100 or the other device supports the transmission (S102).
  • the push token ID is a token ID corresponding to an app installed in the user terminal 10.
  • the user terminal 10 may extract and transmit the user's personal information and the user identification information from the storage of the user terminal 10, unlike the user input.
  • the mediation server 100 obtains the card registration request information including the user's personal information, user identification information, card information, and push token ID from the user terminal 10, the card obtained by the financial server 200 Request verification of the information or support the other device to request (S103).
  • the financial server 200 In response to the card information verification request from the mediation server 100, the financial server 200 confirms the card information requested for verification, and if the card information for verification is found to be valid in accordance with the registered card information, the financial server ( 200 generates a card index key corresponding to the card information, and transmits the card information verification result including the card index key to the relay server 100 or supports other devices to transmit (S106).
  • the first financial server 210 responds to the card information verification request received from the intermediary server 100.
  • the second financial server 220 in response to the card information verification to verify the card information requested
  • the second financial server 220 generates a card index key corresponding to the card information, and verifies the card information including the card index key.
  • the result is transmitted to the first financial server 210 or the other device to support the transmission (S105), the first financial server 210 card containing the card index key received from the second financial server 220 Brokerage information verification results Jugeona and transmits it to 100 to cause the support to the other transmission device (S106).
  • the mediation server 100 generates a card token ID corresponding to the card index key by referring to the card information verification result received from the financial server 200 (S107).
  • the mediation server 100 checks the user with reference to the card registration request information obtained from the user terminal 10.
  • the user verification may use a public key infrastructure (PKI) certificate or user's personal information, but is not limited thereto.
  • PKI public key infrastructure
  • a specific issuer can be verified through a public key-based certificate such as an accredited certificate or an OPSign certificate, or an individual, a bank, or an organization can verify the identity of an individual such as a social security number, a passport, a corporate registration number, a business registration number, and login information.
  • User can be identified through personal information.
  • the mediation server 200 requests user authentication to the app corresponding to the push token ID included in the card registration request information, that is, the user terminal 100 installed in the corresponding application, or makes a request to another device. It is supported to (S108).
  • the user terminal 100 generates a public key and a private key, which are authentication keys, in response to the user authentication request (S109), so that confirmation information for controlling user access to the private key is set by the user.
  • the verification information is pass information for accessing the private key and may include at least one of a password, a PIN code, a fingerprint information of a user, and biometric information of a user.
  • setting of confirmation information for access control on the private key may be omitted.
  • the setting of the confirmation information may be performed before generating the authentication key of the user.
  • the user terminal 100 extracts the public key of the user from among the authentication keys, transmits authentication information including the extracted public key of the user to the intermediary server 100 or supports other devices to transmit ( S110).
  • the intermediary server 100 performs user verification and user authentication after generation of the card token ID.
  • the mediation server 100 performs user verification and user authentication, and then the financial server ( 200, a verification request for card information may be performed.
  • the mediation server 100 registers the card token ID, the user identification information, the push token ID, and the public key in the first blockchain database to which copying, forgery and forgery are impossible or supports other devices to register ( S111).
  • the mediation server 100 registers card registration information including a card token ID, user identification information, a push token ID, and a public key in the first blockchain database, and the card token registered in the first blockchain database.
  • a first blockchain transaction ID representing location information on a first blockchain database of card registration information including an ID, user identification information, a push token ID, and a public key may be obtained and managed.
  • the mediation server 100 may apply a hash function to the card token ID, the user real information, the push token ID, and the public key. By calculating the first specific hash value generated and the at least one neighboring hash value matching the first specific hash value, the first representative hash value or the first representative hash value which is the Merkle root is generated (S112). ).
  • the mediation server 100 registers a value generated by processing the first representative hash value or the first representative hash value, which is the generated Merkle root, in the second blockchain database 400 or by allowing other devices to register (S113). ), A second blockchain transaction ID indicating position information on the second blockchain database 400 of Merkle Root, which is a value obtained by processing the first representative hash value or the first representative hash value registered in the second blockchain database 400. It may acquire or support other devices to obtain (S114).
  • the mediation server 100 may store and manage the first specific hash value and at least one neighbor hash value in a predetermined data structure.
  • the data structure may vary, for example, may be a merkle tree structure.
  • the mediation server 200 may support to generate or generate a merkle tree in which the first specific hash value is assigned to the specific leaf node, and if the triggering condition is satisfied, at least one matching the first specific hash value
  • the first representative hash value or the processed first representative hash value which is a merkle root generated by calculating a hash value assigned to one other leaf node, may be registered or registered in the second blockchain database 400. .
  • the (x1) mediation server 100 may calculate or compute a hash value assigned to the sibling node of a node to which (i) the first specific hash value and (ii) the first specific hash value are assigned. And assign or assign a hash value for the computed value to the node's parent node. (x2) If the parent node is the root node of the Merkle tree, the hash value assigned to the parent node becomes the first representative hash value. (x3) On the other hand, if the parent node is not the root node of the Merkle tree, the mediation server 100 repeatedly performs (x1) to (x3) by using the hash value assigned to the parent node as the first specific hash value. .
  • the mediation server 200 finally registers the hash value allocated to the root node of the Merkle tree as the first representative hash value in the second blockchain database 400 or enables other devices to register. At this time, a value obtained by processing the first representative hash value may be registered. For example, a result value of performing a hex operation may be registered in the first representative hash value.
  • the mediation server 100 stores the first specific hash value and at least one neighboring hash value in a predetermined fifth data structure, and then stores and manages a sixth data structure having the same form as the fifth data structure.
  • the fifth data structure and the sixth data structure may be connected in a chain form.
  • a root value of the fifth data structure or a hash value of the root value may be assigned to the first leaf node of the sixth data structure.
  • the first leaf node of the first Merkle tree may be assigned a hash value or a processed value of predetermined message data consisting of text, numbers, or symbols. have.
  • a hash value of an input message initially given by the mediation server 100 may be assigned when generating the merkle tree.
  • 3 and 4 show examples of merkle trees created according to one embodiment of the invention.
  • a registration request for the historical data that is, a transaction registration request relating to the use of a card
  • the mediation server 100 When there is a registration request for the historical data (that is, a transaction registration request relating to the use of a card), the mediation server 100 generates a next leaf node of the last leaf node of the Merkle tree that is currently being configured, so as to generate a first specific hash value or It supports to assign or assign a processed value of the first specific hash value.
  • a first specific hash value or a specific hash value is generated by creating a next leaf node h2.
  • the mediation server 100 may support to calculate or calculate (i) the first specific hash value assigned to the h2 node and (ii) the hash value assigned to the h3 node that is the sibling node of the h2 node.
  • the hash value for the operation value is assigned to the parent node (h23 node) of node h2 and node h3.
  • the mediation server 100 may repeat the above process by using the hash value assigned to the h23 node as the first specific hash value. That is, the hash value assigned to the h23 node is used as the first specific hash value, and the hash value assigned to the h23 node and the hash value assigned to the h01 node are calculated and assigned to the parent node (h0123 node) of the h23 node and the h01 node. can do.
  • the mediation server 100 registers a value (hex (h ⁇ node_index ⁇ )) of the hash value assigned to the h0123 node in the second blockchain database 400 or Can assist other devices to register
  • the aforementioned triggering conditions may include (i) a condition in which transactions related to card use are generated by a predetermined number, (ii) a condition in which a predetermined time elapses, (iii) a condition in which blocks are generated in the first blockchain database, (iv) may include at least one of conditions for service characteristics.
  • the mediation server 100 may generate the root value of the aforementioned Merkle tree on a predetermined time basis (condition (ii) above). In this case, when a predetermined time elapses, the intermediary server 100 generates a Merkle tree using the input values up to that time and registers the root value of the Merkle tree in the second blockchain database 400 or allows other devices to register. Can support
  • a value may not be assigned to a sibling node of a node to which a specific hash value of the Merkle tree is assigned even after a predetermined time has elapsed.
  • the intermediary server 100 supports to assign or assign a predetermined hash value to the sibling node.
  • the root value of the Merkle tree can be calculated.
  • the mediation server 100 may support to assign or assign a sibling node by replicating the first specific hash value.
  • the service characteristics include cost information provided by the issuer who issued the transaction related to the use of the card, time zone information where the transaction related to the use of the card is registered, area information where the transaction registration service related to the use of the card is performed, and transaction registration request related to the use of the card. It may be at least part of the company type information. However, the present invention is not limited to the above description and includes various condition information in which a generally accepted differential service can be provided.
  • the mediation server 100 when a new Merkle tree generation starts and the triggering condition is satisfied in the absence of a card use related transaction, the mediation server 100 generates a Merkle tree in which predetermined message data is assigned to the first leaf node and the second leaf node. Or to generate or register the root value of the Merkle tree or a processed value thereof in the second blockchain database 400. In this case, a two leaf node Merkle tree may be created.
  • the mediation server 100 stores the first specific hash value and the at least one neighboring hash value in a predetermined fifth data structure, and then stores the sixth data structure having the same form as the fifth data structure.
  • the fifth data structure and the sixth data structure may be connected in a chain form.
  • a root value of the fifth data structure or a hash value of the root value may be assigned to the first leaf node of the sixth data structure.
  • FIG. 4 illustrates a Merkle tree generated as a sixth data structure according to an embodiment of the present invention.
  • the present invention has an advantage of improving data integrity by easily tracking even when data is tampered with by connecting a plurality of data structures generated when a transaction occurs.
  • the mediation server 100 transmits the card token ID and the card index key to the financial server 200 or supports the transmission of other devices (S115).
  • the financial server 200 stores the card token ID received from the mediation server 100 (S116), and maps the card index key and the card token ID which is the card information (S117). That is, the financial server 200 checks the card index key transmitted as the card information verification result by referring to the card index key received from the mediation server 100 and maps the confirmed card index key and the card token ID.
  • the financial server 200 includes the first financial server 210 and the second financial server 220, the above operation may be performed by the first financial server 210.
  • the mediation server 100 transmits the result of registering the card registration information including the card token ID, the user identification information, the push token ID, and the public key to the first blockchain database to the user terminal 10 or to another device.
  • the user may check the card registration result through the user terminal 10.
  • a method of authorizing the use of a card by using a token ID according to an embodiment of the present invention in a state where a card is registered by such a method is as follows.
  • the card token ID corresponding to the user's card information, the user identification information for identifying the user, the push token ID corresponding to the app installed in the user terminal 10 of the user, and the user's public key are obtained.
  • the first specific hash value generated by applying a hash function to the card token ID, the user identification information, the push token ID, and the public key is registered in the blockchain database and manages the corresponding first blockchain transaction ID.
  • Registering a first representative hash value for calculating at least one neighboring hash value matching the first specific hash value or a value for processing the first representative hash value in the second blockchain database 400 and corresponding second In order to manage the blockchain transaction ID, the user can order the service or purchase the product online or offline.
  • the service providing terminal ( 20) stores the order data which is information about the service or products ordered by the user (S202), and transmits the payment request information including the user identification information and the order data to the intermediary server 100 or to let other devices Support to transmit (S203).
  • the mediation server 100 corresponds to the user identification information of the payment request information obtained from the service providing terminal 20, that is, the first block using the first blockchain transaction ID obtained and managed in the card registration operation.
  • the Merkle tree information and leaf node information stored in the first blockchain database are retrieved from the first blockchain database in relation to the representative hash value or the value of the first representative hash value. Check the push token ID registered in the first blockchain database by referring to the information, Acquire the confirmed push token ID (S204).
  • the mediation server 100 requests an authentication for the order data including the order data to the user terminal 10 in which the app corresponding to the push token ID, that is, the app corresponding to the push token ID is installed, or causes the other device to perform an operation.
  • Support to request (S205)
  • the user terminal 10 requests the user to confirm the order data and to authenticate the order data (S206). Then, after confirming that the user matches the contents of the order through the order data, the user terminal 10 inputs the identification information set by the user, including at least one of a password, a PIN code, a fingerprint, and biometric information. Check whether the confirmation information input by the user matches the confirmation information preset by the user (S207).
  • the user terminal 10 when the confirmation information input by the user matches the preset confirmation information, the user terminal 10 generates a user signature value for the order data and transmits it to the intermediate server 100 or supports other devices to transmit it. (S208).
  • the user terminal 10 is allowed to access the stored user's private key when the confirmation information input to the user matches the predetermined confirmation information, and thus the user signature value of signing the order data with the user's private key. It generates and transmits the generated user signature value to the intermediary server 100.
  • the mediation server 100 checks whether the user signature value that signed the order data obtained from the user terminal 10 is valid (S209).
  • the mediation server 100 checks the public key of the user registered in the first blockchain database using the first blockchain transaction ID managed in response to card registration, and removes the public key of the confirmed location. 1 Obtained from the blockchain database.
  • the mediation server 100 checks a value of processing the first representative hash value or the first representative hash value included in the data message obtained from the second blockchain database 400 using the second blockchain transaction ID. And acquire a push token ID registered in the first blockchain database by referring to the merkle tree information and leaf node information stored in the first blockchain database searched using the identified first representative hash value or the first representative hash value. You may.
  • the mediation server 100 checks whether the user signature value is valid using the obtained public key.
  • the intermediary server 100 extracts the order data from the user signature value by using the public key, checks whether the order data extracted from the user signature value and the order data included in the payment request information are identical to each other. Determine validity.
  • the mediation server 100 registers the order data obtained from the payment request information in the first blockchain database or enables other devices to register (S210). At this time, the mediation server 100 obtains and manages a third blockchain transaction ID corresponding to the order data indicating the position information of the order data registered in the first blockchain database.
  • the mediation server 100 applies the second specific hash value and the second specific hash generated by applying a hash function to the order data.
  • a value obtained by processing the second representative hash value or the second representative hash value that is the Merkle root is generated (S211).
  • the mediation server 100 registers a value obtained by processing the second representative hash value or the second representative hash value, which is the generated Merkle root, in the second blockchain database 400 or supports other devices to register (S212). ), A fourth blockchain transaction ID representing position information on the second blockchain database 400 of Merkle Root, which is a value obtained by processing the second representative hash value or the second representative hash value registered in the second blockchain database 400. It may acquire or support the other device to obtain (S213).
  • the mediation server 100 may store and manage the second specific hash value and the at least one neighbor hash value in a predetermined data structure.
  • the data structure may vary, for example, may be a merkle tree structure.
  • the mediation server 200 may support to generate or generate a merkle tree in which the second specific hash value is assigned to the specific leaf node, and if the triggering condition is satisfied, at least the second specific hash value matches at least the second specific hash value.
  • the second representative hash value or the processed second representative hash value which is a Merkle root generated by calculating a hash value assigned to one other leaf node, may be registered or registered in the second blockchain database 400. .
  • the mediation server 100 may calculate or calculate a hash value assigned to the sibling node of the node to which (i) the second specific hash value and (ii) the second specific hash value is assigned. And assign or assign a hash value for the computed value to the node's parent node.
  • the parent node is the root node of the Merkle tree, the hash value assigned to the parent node becomes the second representative hash value.
  • the mediation server 100 repeatedly performs (x1) to (x3) by using the hash value assigned to the parent node as the second specific hash value. .
  • the mediation server 200 finally registers the hash value assigned to the root node of the Merkle tree as the second representative hash value in the second blockchain database 400 or enables other devices to register. At this time, a value obtained by processing the second representative hash value may be registered. For example, a result value of performing a hex operation may be registered in the second representative hash value.
  • the mediation server 100 stores the second specific hash value and at least one neighboring hash value in a predetermined first data structure, and then stores and manages a second data structure having the same form as the first data structure.
  • the first data structure and the second data structure may be connected in a chain form.
  • first data structure and the second data structure are Merkle trees as in the above-described example
  • a root value of the first data structure or a hash value of the root value may be allocated to the first leaf node of the second data structure.
  • data integrity may be more guaranteed by verifying the first data structure.
  • the first leaf node of the first Merkle tree may be assigned a hash value or a processed value of predetermined message data consisting of text, numbers, or symbols. have.
  • a hash value of an input message initially given by the mediation server 100 may be assigned when generating the merkle tree.
  • the mediation server 100 transmits the authorization request information including the card token ID and the order data corresponding to the user identification information to the financial server 200 or supports other devices to transmit (S214).
  • the approval request information may include a third blockchain transaction ID corresponding to the order data indicating the position information of the order data registered in the first blockchain database.
  • the financial server 200 performs verification on the order data (S216).
  • the financial server 200 verifies the order data included in the authorization request information by referring to the order data registered in the first blockchain database in response to the card token ID included in the authorization request information, and responds to the verification result. It transmits the approval result information to the mediation server 100 or supports the other device to transmit.
  • the first financial server 210 is included in the approval request information obtained from the mediation server 100.
  • the order data included in the authorization request information is verified with reference to the order data registered in the first blockchain database corresponding to the card token ID. That is, the first financial server 210 checks the order data registered in the first blockchain database using the third blockchain transaction ID corresponding to the order data, and confirms the order data and approval registered in the first blockchain database.
  • the order data included in the request information is checked to determine whether the order data is valid. If it is determined that the check result is valid, the first financial server 210 stores the order data (S219), and requests the second financial server 220 to approve the order data (S217).
  • the first financial server 210 requests the second financial server 220 to approve the order data using the card index key matched with the card token ID or supports the request from another device. Then, the second financial server 220 confirms the card information using the card index key requested for approval, approves the payment for the order data corresponding to the confirmed card information, and returns the approved result to the first financial server ( Or transmits to another device (S218).
  • the first financial server 210 transmits the approval result obtained from the second financial server 220 to the mediation server 100 or supports another device to transmit (S219).
  • the mediation server 100 registers the approval result information on the order data in the first blockchain database or supports other devices to register (S220). Obtain and manage a fifth blockchain transaction ID corresponding to the result.
  • the mediation server 100 When the triggering condition for registering a predetermined hash value in the second blockchain database 400 is satisfied, the mediation server 100 generates a third specific hash value and a third generated hash value by applying a hash function to the approval result information. By calculating at least one neighboring hash value matching the specific hash value, a value obtained by processing the third representative hash value or the third representative hash value which is the Merkle root is generated (S221).
  • the mediation server 100 registers a value obtained by processing the third representative hash value or the third representative hash value, which is the generated Merkle root, in the second blockchain database 400 or supports other devices to register (S222). ), A sixth blockchain transaction ID representing position information on the second blockchain database 400 of Merkle Root, which is a value obtained by processing the third representative hash value or the third representative hash value registered in the second blockchain database 400. It may acquire or support other devices to obtain (S223).
  • the mediation server 100 may store and manage the fifth specific hash value and at least one neighbor hash value in a predetermined data structure.
  • the data structure may vary, for example, may be a merkle tree structure.
  • the mediation server 200 may support to generate or generate a merkle tree in which the third specific hash value is assigned to the specific leaf node, and if the triggering condition is satisfied, at least a match with the third specific hash value is performed.
  • the third representative hash value or the processed third representative hash value which is a Merkle root generated by calculating a hash value assigned to one other leaf node, may be registered or registered in the second blockchain database 400. .
  • the mediation server 100 may calculate or calculate a hash value assigned to the sibling node of the node to which (i) the third specific hash value and (ii) the third specific hash value is assigned. And assign or assign a hash value for the computed value to the node's parent node.
  • the parent node is the root node of the Merkle tree, the hash value assigned to the parent node becomes the third representative hash value.
  • the mediation server 100 repeatedly performs (x1) to (x3) by using the hash value assigned to the parent node as the third specific hash value. .
  • the mediation server 200 finally registers the hash value assigned to the root node of the Merkle tree as the third representative hash value in the second blockchain database 400 or allows other devices to register. At this time, a value obtained by processing the third representative hash value may be registered. For example, a result value of performing a hex operation may be registered in the third representative hash value.
  • the mediation server 100 stores the third specific hash value and at least one neighboring hash value in a predetermined third data structure, and then stores and manages a fourth data structure having the same form as the third data structure.
  • the third data structure and the fourth data structure may be connected in a chain form.
  • a root value of the third data structure or a hash value of the root value may be allocated to the first leaf node of the fourth data structure.
  • data integrity may be more guaranteed by verifying the third data structure.
  • the first leaf node of the first Merkle tree may be assigned a hash value or a processed value of predetermined message data consisting of text, numbers, or symbols. have.
  • a hash value of an input message initially given by the mediation server 100 may be assigned when generating the merkle tree.
  • the mediation server 100 transmits the approval result information to at least one of the service providing terminal 20 and the user terminal 10 or supports other devices to transmit the result.
  • the approval result information may include a fifth blockchain transaction ID corresponding to the approval result information.
  • the service providing terminal 20 may store the approval result information (S226).
  • the service providing terminal 20 stores the purchase request information (S302).
  • the service providing terminal 20 stores purchase data including at least one or more order data selected by a service provider among order data approved in response to a user's order and registered in the first blockchain database.
  • the service providing terminal 20 transmits the purchase request information including the purchase data to the intermediary server 100 or supports another device to transmit (S303).
  • the mediation server 100 checks whether the purchase request information obtained from the service providing terminal 20 is valid (S304).
  • the mediation server 100 checks the purchase data included in the purchase request information, and checks whether the order data included in the purchase data is valid. That is, the mediation server 100 checks the order data included in the purchase data, and the order data registered in the first blockchain database using the fifth blockchain transaction ID corresponding to the order data, that is, the approved order data. It checks whether the order data registered in the first blockchain database and the order data included in the purchase request information match to determine that the purchase data is valid.
  • the mediation server 100 requests for the authentication of the purchase data to the service providing terminal 20 or the other device for the requested purchase data (S305).
  • the service providing terminal 20 requests the service provider to confirm the purchase data confirmed by the mediation server 100, and when a confirmation signal is input from the service provider, transmits the confirmation result of the authentication to the mediation server 100. Or to allow other devices to transmit (S306).
  • the intermediation server 100 registers the authenticated purchase data in the first blockchain database or supports other devices to register (S307).
  • the blockchain database 300 acquires and manages a seventh blockchain transaction ID corresponding to the purchase data which is the location information in which the purchase data is registered.
  • the mediation server 100 may apply the fourth specific hash value and the fourth specific hash value generated by applying the hash function to the embedded data.
  • the mediation server 100 may apply the fourth specific hash value and the fourth specific hash value generated by applying the hash function to the embedded data.
  • the mediation server 100 registers a value obtained by processing the fourth representative hash value or the fourth representative hash value, which is the generated Merkle root, in the second blockchain database 400 or supports other devices to register (S309).
  • An eighth blockchain transaction ID representing position information on the second blockchain database 400 of Merkle Root which is a value obtained by processing the fourth representative hash value or the fourth representative hash value registered in the second blockchain database 400. It may acquire or support the other device to obtain (S310).
  • the mediation server 100 may store and manage the fourth specific hash value and at least one neighbor hash value in a predetermined data structure.
  • the data structure may vary, for example, may be a merkle tree structure.
  • the mediation server 200 may support to generate or generate a merkle tree in which the fourth specific hash value is assigned to the specific leaf node, and, if the triggering condition is satisfied, at least a match with the fourth specific hash value.
  • the second blockchain database 400 may register or register a fourth representative hash value or a processed value of the fourth representative hash value, which is a Merkle root generated by calculating a hash value assigned to one other leaf node, in the second blockchain database 400. .
  • the mediation server 100 may calculate or calculate a hash value assigned to the sibling node of the node to which (i) the fourth specific hash value and (ii) the fourth specific hash value are assigned. And assign or assign a hash value for the computed value to the node's parent node.
  • the hash value assigned to the parent node becomes the fourth representative hash value.
  • the mediation server 100 repeats (x1) to (x3) by using the hash value assigned to the parent node as the fourth specific hash value. .
  • the mediation server 200 finally registers the hash value assigned to the root node of the Merkle tree as the fourth representative hash value in the second blockchain database 400 or enables other devices to register. At this time, a value obtained by processing the fourth representative hash value may be registered. For example, a result value of performing a hex operation may be registered in the fourth representative hash value.
  • the mediation server 100 stores the fourth specific hash value and at least one neighboring hash value in a predetermined seventh data structure, and then stores and manages an eighth data structure having the same form as the seventh data structure.
  • the seventh data structure and the eighth data structure may be connected in a chain form.
  • a root value of the seventh data structure or a hash value of the root value may be allocated to the first leaf node of the eighth data structure.
  • the first leaf node of the first Merkle tree may be assigned a hash value or a processed value of predetermined message data consisting of text, numbers, or symbols. have.
  • a hash value of an input message initially given by the mediation server 100 may be assigned when generating the merkle tree.
  • the mediation server 100 transmits the purchase request information including the purchase data to the financial server 200 or supports other devices to transmit (S311).
  • the purchase request information may include a seventh blockchain transaction ID corresponding to the purchase data indicating the location information of the purchase data registered in the first blockchain database.
  • the financial server 200 checks whether the purchase data included in the purchase request information is valid (S312).
  • the financial server 200 verifies the purchase data included in the purchase request information by referring to the purchase data registered in the first blockchain database in response to the purchase data included in the purchase request information, and corresponds to the verification result.
  • the purchase result information is transmitted to the mediation server 100 or the other device supports the transmission (S316).
  • the first financial server 210 is included in the purchase request information obtained from the mediation server 100.
  • the order data included in the purchase request information is verified with reference to the purchase data registered in the first blockchain database corresponding to the purchase data. That is, the first financial server 210 confirms the purchase data registered in the first blockchain database by using the seventh blockchain transaction ID corresponding to the purchase data, and purchases and purchases registered in the first blockchain database.
  • the purchase data included in the request information is checked to determine whether the purchase data is valid. If it is determined that the result is valid, the first financial server 210 requests the second financial server 220 to purchase the purchased data (S313).
  • the first financial server 210 requests the purchase of the purchase data to the second financial server 220 using the card index key matched with the card token ID, or supports other devices to make a request. Then, the second financial server 220 confirms the card information by using the requested card index key, approves the payment for the purchase data corresponding to the confirmed card information, and stores the approved purchase result information in the first finance. The server 210 transmits or supports other devices to transmit (S314).
  • the first financial server 210 transmits the purchase result information obtained from the second financial server 220 to the mediation server 100 or supports other devices to transmit (S316).
  • the first financial server 210 may store purchase result information obtained from the second financial server 220 (S315).
  • the mediation server 100 registers the purchase result information on the purchase data obtained from the financial server 200 in the first blockchain database or supports another device to register (S317), and the agent corresponding to the purchase result is registered.
  • 9 Obtain and manage blockchain transaction IDs.
  • the mediation server 100 When the triggering condition for registering the predetermined hash value in the second blockchain database 400 is satisfied, the mediation server 100 generates the fifth specific hash value and fifth generated by applying a hash function to the purchase result information. By calculating at least one neighboring hash value matching the specific hash value, a value obtained by processing the fifth representative hash value or the fifth representative hash value that is the Merkle root is generated (S318).
  • the mediation server 100 registers a value obtained by processing the fifth representative hash value or the fifth representative hash value, which is the generated Merkle root, in the second blockchain database 400 or supports other devices to register (S319).
  • a tenth blockchain transaction ID representing position information on the second blockchain database 400 of Merkle Root which is a value obtained by processing the fifth representative hash value or the fifth representative hash value registered in the second blockchain database 400. It may acquire or support other devices to obtain (S320).
  • the mediation server 100 may store and manage the fifth specific hash value and at least one neighbor hash value in a predetermined data structure.
  • the data structure may vary, for example, may be a merkle tree structure.
  • the mediation server 200 may support to generate or generate a merkle tree in which the fifth specific hash value is assigned to the specific leaf node, and if the triggering condition is satisfied, at least the fifth specific hash value matches at least the fifth specific hash value. It is possible to register or support a fifth representative hash value or a processed value of the fifth representative hash value, which is a Merkle root generated by calculating a hash value assigned to one other leaf node, in the second blockchain database 400. .
  • the mediation server 100 may calculate or calculate a hash value assigned to the sibling node of the node to which (i) the fifth specific hash value and (ii) the fifth specific hash value are assigned. And assign or assign a hash value for the computed value to the node's parent node.
  • the hash value assigned to the parent node becomes the fifth representative hash value.
  • the mediation server 100 repeats (x1) to (x3) by using the hash value assigned to the parent node as the fifth specific hash value. .
  • the mediation server 200 finally registers the hash value allocated to the root node of the Merkle tree as the fifth representative hash value in the second blockchain database 400 or supports other devices to register. At this time, a value obtained by processing the fifth representative hash value may be registered. For example, a result value of performing a hex operation may be registered in the fifth representative hash value.
  • the mediation server 100 stores the fifth specific hash value and at least one neighboring hash value in a predetermined ninth data structure, and then stores and manages a tenth data structure having the same form as the ninth data structure.
  • the ninth data structure and the tenth data structure may be connected in a chain form.
  • a root value of the ninth data structure or a hash value of the root value may be allocated to the first leaf node of the tenth data structure.
  • the integrity of the ninth data structure may be verified to further ensure data integrity.
  • the first leaf node of the first Merkle tree may be assigned a hash value or a processed value of predetermined message data consisting of text, numbers, or symbols. have.
  • a hash value of an input message initially given by the mediation server 100 may be assigned when generating the merkle tree.
  • the mediation server 100 transmits the purchase result information to the service providing terminal 20 or supports other devices to transmit the result.
  • the purchase result information may include a ninth blockchain transaction ID corresponding to the purchase result.
  • the service providing terminal 20 may store the approval result information.
  • the embodiments according to the present invention described above may be implemented in the form of program instructions that may be executed by various computer components, and may be recorded in a computer-readable recording medium.
  • the computer-readable recording medium may include program instructions, data files, data structures, etc. alone or in combination.
  • Program instructions recorded on the computer-readable recording medium may be those specially designed and configured for the present invention, or may be known and available to those skilled in the computer software arts.
  • Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks and magnetic tape, optical recording media such as CD-ROMs, DVDs, and magneto-optical media such as floptical disks. media), and hardware devices specifically configured to store and execute program instructions, such as ROM, RAM, flash memory, and the like.
  • Examples of program instructions include not only machine code generated by a compiler, but also high-level language code that can be executed by a computer using an interpreter or the like.
  • the hardware device may be configured to operate as one or more software modules to perform the process according to the invention, and vice versa.

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Abstract

La présente invention concerne un procédé d'approbation de l'utilisation d'une carte à l'aide d'un identificateur de jeton, dans lequel, dans un état où un premier et un deuxième ID de transaction de chaîne de blocs sont gérés, lorsque des informations de demande de paiement sont acquises, un serveur relais : enregistre des données d'ordre dans une première base de données de chaîne de blocs, et lorsqu'une condition de déclenchement est satisfaite, enregistre une deuxième valeur de hachage représentative ou une valeur traitée de celle-ci dans une deuxième base de données de chaîne de blocs ; et enregistre des informations de résultat d'approbation obtenues auprès d'un serveur financier dans la première base de données de chaîne de blocs, et lorsqu'une condition de déclenchement est satisfaite, enregistre une troisième valeur de hachage représentative ou une valeur traitée de celle-ci dans la deuxième base de données de chaîne de blocs, gère un troisième, un quatrième, un cinquième et un sixième ID de transaction de chaîne de blocs, puis transmet les informations de résultat d'approbation au moins à un terminal de prestation de services ou à un terminal utilisateur.
PCT/KR2018/004522 2017-04-18 2018-04-18 Procédé d'approbation de l'utilisation d'une carte à l'aide d'un identificateur de jeton sur la base d'une chaîne de blocs et structure en arbre de merkle associée à celui-ci, et serveur l'utilisant WO2018194379A1 (fr)

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