JP6942985B2 - Remittance source device, remittance destination device, remittance method, remittance method, program and remittance system - Google Patents

Description

The present invention relates to a remittance source device, a remittance destination device, a remittance method, a remittance method, a program, and a remittance system.

In recent years, with the development of services on the Internet, there is a need to give and receive money without revealing personal information while keeping a pseudonym or anonymity.

As a method of giving and receiving money, for example, in Patent Document 1 below, a public address used for transactions of electronic cryptocurrencies using a blockchain and a private key paired with the public address are used. A technique for sending money as a privilege to a user who has viewed the advertisement for the purpose of promoting the viewing of the advertisement is described.

Japanese Unexamined Patent Publication No. 2016-81134

However, depending on the existing technology, it is not possible for the sender and the recipient to exchange cash without disclosing personal information to each other and without disclosing personal information to a third party. rice field. For example, in the technique described in Patent Document 1, the user of the service is not required to provide personal information to the central administrator who mediates the transaction, but in the exchange transaction between the electronic cryptocurrency and money. Is required to provide personal information (account number, credit card number, etc.).

Therefore, the present invention has been made in view of the above problems, and the object of the present invention is that the remittance sender and the remittance recipient do not disclose personal information to each other and a third-party organization. To provide new and improved remittance source equipment, remittance destination equipment, remittance method, remittance method, program and remittance system that can send and receive cash without disclosing personal information. be.

In order to solve the above problems, according to a certain viewpoint of the present invention, an acquisition unit that acquires an intermediary address that is used for remittance from a remittance source device to a remittance destination device and is an address generated from a public key, and the above-mentioned A remittance source device is provided, comprising a deposit counting unit that counts the amount of cash put into the remittance source device and a deposit data generation unit that generates deposit data for depositing the amount to the intermediary address. ..

A communication unit that transmits the deposit data to the blockchain network may be further provided.

The acquisition unit may acquire the mediation address input by the user operation.

The acquisition unit may generate the mediation address and acquire the generated mediation address.

The acquisition unit, a secret key to be the public key paired with the generator of the mediation address may also be generated.

The first presentation unit may further include a presenting the public key or the secret key becomes a generator of intermediary addresses to users.

The communication unit may receive information regarding the status of verification or approval of the deposit data from the blockchain network.

A second presenting unit that presents the situation to the user may be further provided.

Further, in order to solve the above problem, according to another viewpoint of the present invention, it is necessary to acquire an intermediary address which is an address generated from a public key, which is used for remittance from a remittance source device to a remittance destination device. A remittance method executed by the remittance source device , which comprises counting the amount of cash put into the remittance source device and generating deposit data for depositing the amount to the intermediary address. Is provided.

Further, in order to solve the above problem, according to another viewpoint of the present invention, a computer is used for remittance from a remittance source device to a remittance destination device, and an intermediary address which is an address generated from a public key is acquired. To function as the remittance source device to perform , count the amount of cash put into the remittance source device, and generate deposit data for depositing the amount to the intermediary address. Program is provided.

Further, in order to solve the above problem, according to another viewpoint of the present invention, an acquisition unit that acquires an intermediary address that is used for remittance from a remittance source device to a remittance destination device and is an address generated from a public key. A withdrawal data generation unit that generates withdrawal data based on the intermediary address, a communication unit that transmits the withdrawal data to the blockchain network, and verification or approval of the withdrawal data in the blockchain network. A remittance destination device is provided, which comprises a withdrawal unit for paying out the amount of cash specified in the withdrawal data based on the above situation.

The mediation address is a hash value of the public key, the obtaining unit also obtains a secret key to be the public key and the public key paired with the dispensing data generating unit, the public key and the secret key The withdrawal data may be generated based on.

The acquisition unit may acquire the public key or the private key input by a user operation.

The communication unit may receive information regarding the status of verification or approval of the withdrawal data from the blockchain network.

A presentation unit that presents the situation to the user may be further provided.

Further, in order to solve the above problem, according to another viewpoint of the present invention, an acquisition unit that acquires an intermediary address that is used for remittance from a remittance source device to a remittance destination device and is an address generated from a public key. Based on the generation of withdrawal data based on the intermediary address, the transmission of the withdrawal data to the blockchain network, and the status of verification or approval of the withdrawal data on the blockchain network. , Withdrawing an amount of cash specified in the withdrawal data, and providing a receiving method performed by the remittance destination device.

Further, in order to solve the above problems, according to another viewpoint of the present invention, a computer is used for remittance from a remittance source device to a remittance destination device, and an intermediary address which is an address generated from a public key is acquired. Withdrawal data is generated based on the acquisition unit and the intermediary address, the withdrawal data is transmitted to the blockchain network, and the status of verification or approval of the withdrawal data in the blockchain network. Based on the above, a program is provided for paying out the amount of cash specified in the withdrawal data and for functioning as the remittance destination device for executing the withdrawal data.

Further, in order to solve the above problem, according to another viewpoint of the present invention, the remittance source device is a remittance system including a remittance source device for remittance and a remittance destination device for receiving the remittance. , A first acquisition unit that acquires an intermediary address that is used for the remittance and is an address generated from the public key, a deposit counting unit that counts the amount of cash put into the remittance source device, and the above amount. The remittance destination device includes a deposit data generation unit that generates deposit data for depositing to the intermediary address, and the remittance destination device has a second acquisition unit that acquires the intermediary address and withdrawal data based on the intermediary address. Based on the withdrawal data generation unit that generates the withdrawal data, the communication unit that transmits the withdrawal data to the blockchain network, and the status of verification or approval of the withdrawal data in the blockchain network, the withdrawal data A remittance system is provided that includes a withdrawal unit that pays out a specified amount of cash.

As described above, according to the present invention, the sender and the recipient can exchange cash without disclosing personal information to each other and without disclosing personal information to a third party. It becomes possible to do.

It is a figure which shows the structure of the remittance system which concerns on this embodiment. It is a block diagram which shows the functional structure of the remittance source apparatus which concerns on this embodiment. It is a figure which shows the outline of the deposit transaction data which concerns on this embodiment. It is a figure which shows an example of the data format of the deposit transaction data which concerns on this embodiment. It is a block diagram which shows the functional structure of the remittance destination apparatus which concerns on this embodiment. It is a figure which shows the outline of the withdrawal transaction data which concerns on this embodiment. It is a figure which shows an example of the data format of the withdrawal transaction data which concerns on this embodiment. It is a flowchart which shows the operation by the remittance source device which concerns on this embodiment. It is a flowchart which shows the operation by the remittance destination device which concerns on this embodiment. It is a block diagram which shows the hardware configuration of the remittance source apparatus and the remittance destination apparatus which concerns on this Embodiment.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. In the present specification and the drawings, components having substantially the same functional configuration are designated by the same reference numerals, so that duplicate description will be omitted.

<1. Background ＞
In recent years, with the development of services on the Internet, there is a need to give and receive money without revealing personal information while keeping a pseudonym or anonymity. For example, there is a case where money is given or received as consideration in some transaction.

Examples of the existing technology include a cash transfer service using an automated teller machine (hereinafter, may be referred to as an ATM (Automated Teller Machine) for convenience). In this service, a pseudonym can be used as remittance information, but information such as bank name, branch name, account type, account number, and beneficiary name is required as beneficiary information.

In addition, PayPal (registered trademark) is an example of a service that allows payments to be made anonymously on the Internet. PayPal is a service that allows two parties who want to make a transaction to exchange money without disclosing each other's account number, name, etc. by registering credit card information etc. in advance and creating an account. be. Users of this service can maintain anonymity with respect to the person who gives and receives money, but personal information (credit card number, account information, etc.) for PayPal as the central administrator who mediates transactions. Is required to provide. Therefore, there is a possibility that the personal information of the user may be leaked by PayPal performing a cyber attack or the like whose method has been diversified in recent years.

As a method for solving the above, Patent Document 1 uses a public address used for trading an electronic cryptographic currency using a blockchain and a private key paired with the address to promote viewing of a predetermined advertisement. A technique for attaching a two-dimensional bar code containing the private key to the advertisement is described in order to send money as a privilege to a user who has viewed the advertisement for the purpose of planning. Since the technology described in Patent Document 1 can guarantee the legitimacy of a transaction without a central administrator by using a blockchain, the user of the service provides personal information to the institution that mediates the transaction. I'm not asked to do it.

However, in the technique described in Patent Document 1, the user of the service is not required to provide personal information to the central administrator who mediates the transaction, but in the exchange transaction between the electronic cryptocurrency and money. Is required to provide personal information (account number, credit card number, etc.).

The inventor of the present invention came up with the present invention in view of the above circumstances. The sender and the recipient using the remittance system according to the present invention shall exchange cash without disclosing personal information to each other and without disclosing personal information to a third party. Can be done.

In the above, the background of the present invention has been described. Hereinafter, "2. Overview of the remittance system", "3. Functional configuration of each device", "4. Operation of each device", and "5. Hardware configuration of each device" will be described in order.

<2. Overview of remittance system ＞
First, an outline of the remittance system according to the present invention will be described.

In the remittance system according to the present invention, a decentralized database distributed in a peer-to-peer network is used. This document describes a case where a blockchain network is used as an example of a peer-to-peer network and blockchain data distributed in the blockchain network is used as an example of a distributed database. Since the above is just an example, the peer-to-peer network and distributed database used can be changed as appropriate.

(2-1. Overview of general blockchain data)
Next, an outline of general blockchain data will be described. Blockchain data is data in which a plurality of blocks are connected like a chain. Each block stores one or more transactions.

Examples of the blockchain data include blockchain data used for exchanging data of electronic cryptocurrencies such as Bitcoin (registered trademark). Each block in the blockchain data includes, for example, a "hash of the immediately preceding block".

The "hash of the immediately preceding block" is information used in a process of determining whether or not a transaction (transaction) stored in a past block has been tampered with. If the transaction (transaction) stored in the past block is tampered with, the fact that it has been tampered with is clear because the "hash of the immediately preceding block" contained in any block in the blockchain data is inconsistent. It becomes. In other words, since the "hash of the immediately preceding block" is included in each block in the blockchain data, it becomes difficult for a third party to falsify the transaction (transaction) included in the blockchain data.

In addition, when a new transaction (transaction) occurs, among the devices (also called "nodes") connected to the blockchain network, the node that succeeds in the predetermined processing is a new block to the blockchain data. Is added. The predetermined process is, for example, in Bitcoin (registered trademark), a process called “mining (or mining)”, which is a process for verifying and approving a transaction. The content of the predetermined process is arbitrary. For example, the predetermined process is a process of adding some data to the generated transaction data and changing the data to be added until the hash value of the entire added data becomes smaller than the predetermined value. good.

Then, the node that succeeds in mining earliest among multiple nodes adds a block containing new transaction data to the blockchain data, and adds the added blockchain data to each node by sending it to the blockchain network. Share later blockchain data. By adding blocks by the node that succeeds in mining earliest among multiple nodes (in other words, because the node to add blocks is not determined in advance), services that use blockchain data can be used. It is possible to prevent fraud by a specific node and ensure the fairness of the service.

(2-2. Configuration of remittance system according to this embodiment)
In the above, the outline of a general blockchain has been described. Subsequently, the configuration of the remittance system according to the present embodiment will be described with reference to FIG. FIG. 1 is a diagram showing a configuration of a remittance system according to the present embodiment.

As shown in FIG. 1, the remittance system according to the present embodiment includes a remittance source device 100 and a remittance destination device 200, and the remittance source device 100 and the remittance destination device 200 are connected to the blockchain network 300. There is.

The remittance source device 100 is a device that remits money to the remittance destination device 200 via the blockchain network 300. More specifically, the remittance source device 100 is described by a user who performs remittance (hereinafter, referred to as a "remittance sender" for convenience) by performing a predetermined process (such as inserting cash into the remittance source device 100). Generates transaction data used for remittance (hereinafter, referred to as "deposit transaction data" for convenience), and inputs the deposit transaction data to the blockchain network 300. The details of the processing will be described later. In this document, the description is made on the assumption that the remittance source device 100 is a device capable of performing various processing related to currency, such as an ATM, but the description is not limited to this. For example, the remittance source device 100 may be any device as long as it is a device capable of remittance using cash.

The remittance destination device 200 is a device that receives remittance from the remittance source device 100 via the blockchain network 300. More specifically, the remittance destination device 200 receives the remittance amount when the user to be remitted (hereinafter referred to as "remittance recipient" for convenience) inputs a predetermined input to the remittance destination device 200. You can withdraw cash. In this document, the description is made on the assumption that the remittance destination device 200 is a device capable of performing various processing related to currency, such as an ATM, but the description is not limited to this. For example, the remittance destination device 200 may be any device as long as it can pay out cash.

The blockchain network 300 is a P2P network in which blockchain data is distributed. Although FIG. 1 shows only one remittance source device 100 and one remittance destination device 200 connected to the blockchain network 300, the number of remittance source devices 100 and remittance destination devices 200 connected to the blockchain network 300. Is optional. Further, the method of connecting to the blockchain network 300 is arbitrary. For example, the remittance source device 100 and the remittance destination device 200 can be connected to the blockchain network 300 by any type of wired communication or any type of wireless communication.

<3. Functional configuration of each device>
In the above, the configuration of the remittance system according to the present embodiment has been described. Subsequently, the functional configuration of each device according to the present embodiment will be described.

(3-1. Functional configuration of remittance source device 100)
First, with reference to FIG. 2, the functional configuration of the remittance source device 100 according to the present embodiment will be described. FIG. 2 is a block diagram showing a functional configuration of the remittance source device 100 according to the present embodiment.

As shown in FIG. 2, the remittance source device 100 according to the present embodiment includes an input unit 110, a deposit unit 120, a generation unit 130, and a confirmation unit 140.

(Input unit 110)
The input unit 110 functions as an acquisition unit (or a first acquisition unit) that acquires an intermediary address that mediates remittance from the remittance source device 100 to the remittance destination device 200. The intermediary address in the present embodiment is identification information generated from the public key for each address and capable of identifying the public key, such as the bit coin address used for Bitcoin (registered trademark). For example, the public key is input. (There is also a private key that is paired with the public key that is the source of the intermediary address. Details will be described later). The intermediary address may be information used only for one remittance (that is, the intermediary address may be disposable), and is information generated for each recipient and is the same recipient. It may be information that is used many times.

Further, the method in which the input unit 110 acquires the mediation address is arbitrary. For example, the input unit 110 may have a predetermined user interface and may acquire an intermediary address by an operation by the remittance sender. More specifically, the input unit 110 includes a keyboard, a keypad, a touch panel, operation buttons, and the like, and the input unit 110 inputs the intermediary address when the remittancer performs an operation of inputting the intermediary address to these devices. You may get it. Further, the input unit 110 is provided with various code readers (two-dimensional bar code reader, bar code reader), etc., and the remittancer performs an operation of causing these devices to read various codes representing the intermediary address for input. The unit 110 may acquire the intermediary address. Further, the input unit 110 has a communication function for performing short-range wireless communication, and the remittancer holds a predetermined device (smartphone, IC card, etc.) that stores the intermediary address over the input unit 110 to perform the input unit. The 110 may perform short-range wireless communication and acquire an intermediary address from a predetermined device.

Further, the input unit 110 may generate an intermediary address. The method of generating the mediation address by the input unit 110 is also arbitrary. For example, the input unit 110 may generate an intermediary address by inputting various information input via the user interface as described above into a predetermined program. When the input unit 110 generates an intermediary address, the input unit 110 needs to generate not only the intermediary address but also the public key from which the intermediary address is generated and the private key to be paired. Then, the input unit 110 may function as a first presenting unit that presents the public key and the private key that are the generation sources of the generated intermediary address to the remittance sender by any method. For example, the input unit 110 may notify the remittancer of the public key and the private key from which the intermediary address is generated via the above user interface.

(Payment section 120)
The deposit unit 120 functions as a deposit counting unit that recognizes the cash inserted into the remittance source device 100 and counts the deposit amount. The deposit method and counting method are arbitrary. For example, the deposit unit 120 may have a configuration similar to a configuration in which the ATM recognizes the cash inserted into the bill insertion slot or the coin slot and counts the deposit amount. The deposit unit 120 provides information on the counted deposit amount to the generation unit 130, which will be described later.

(Generator 130)
The generation unit 130 functions as a deposit data generation unit that generates transaction data (hereinafter, referred to as “deposit transaction data” for convenience) which is deposit data for depositing to the intermediary address. More specifically, the generation unit 130 generates deposit transaction data based on the information regarding the deposit amount provided by the deposit unit 120 and the intermediary address provided by the input unit 110.

Here, an example of deposit transaction data will be described with reference to FIGS. 3 and 4. FIG. 3 is a diagram showing an outline of deposit transaction data according to the present embodiment. Further, FIG. 4 is a diagram showing an example of a data format of the deposit transaction data according to the present embodiment.

As shown in FIG. 3, the deposit transaction data has the concept of "input (also referred to as" input ")" and "output (also referred to as" output ")". The "input" according to the present embodiment is, for example, a concept corresponding to the "input" in the transaction data of Bitcoin (registered trademark), and includes information on the remittance source device 100 and information on the deposit amount. For example, as shown in FIG. 3, the "input" includes the information that "the remittance source device (information about the remittance source device 100) has a deposit of 10,000 yen (information about the deposit amount)".

On the other hand, the "output" according to the present embodiment is, for example, a concept corresponding to the "output" in the transaction data of Bitcoin (registered trademark), and includes information on an intermediary address and information on a remittance amount. For example, as shown in FIG. 3, the "output" includes the information "remittance of 10,000 yen (information about the remittance amount) to the intermediary address (information about the intermediary address)".

In addition, the generation unit 130 includes information for identifying the remittance source device 100 as a public key (hereinafter, referred to as "public key of the remittance source device 100" for convenience) and a public key of the remittance source device 100. It manages the private key that is paired with. Then, the generation unit 130 generates the electronic signature data using the private key, and includes the electronic signature data in the deposit transaction data as shown in FIG. As a result, the verifier (node) of the deposit transaction data verifies the electronic signature data using the public key of the remittance source device 100, and confirms whether or not the deposit transaction data has been tampered with and whether or not there is so-called "spoofing". can do.

Also, as shown in FIG. 4, the deposit transaction data includes an "input" field and an "output" field. The "input" field is a data item corresponding to the "input" in FIG. 3, and as shown in FIG. 4, the "payment section processing number", the "electronic signature", and the "public key of the remittance source device" ,including. The "output" field is a data item corresponding to the "output" in FIG. 3, and includes a "withdrawal amount" and an "intermediary address" as shown in FIG.

As described above, the "electronic signature" is the electronic signature data generated by the private key paired with the public key of the remittance source device 100. As a result, as described above, the verifier (node) of the deposit transaction data verifies the electronic signature data using the "public key of the sending device" included in the deposit transaction data, thereby falsifying the deposit transaction data. The presence or absence and the presence or absence of so-called "spoofing" can be confirmed.

The "payment section processing number" is arbitrary information that can identify the remittance processing. For example, the deposit processing number is a time stamp when the remittance processing occurs in the deposit unit 120, or a serial number that is increased by a predetermined value each time the remittance processing is performed (for example, the serial number is incremented by 1 each time the remittance processing is performed). It may be a serial number) or the like. The verifier (node) of the deposit transaction data can detect the double remittance by including the deposit unit processing number in the deposit transaction data and adding the electronic signature. The double remittance means, for example, that the sender remits an amount exceeding the deposit amount to the remittance source device 100 by performing a plurality of remittance processes by some method.

The "withdrawal amount" is information regarding the deposit amount counted by the deposit unit 120. Further, the "intermediary address" is information used for confirming whether or not the deposit transaction data that is the source of the receipt exists in the receipt processing described later. Details will be described later.

In the above, it has been explained that the "input" and "output" of the deposit transaction data are, for example, the concepts corresponding to the "input" and "output" in the transaction data of Bitcoin (registered trademark). Not limited to. Further, the contents of the "input" and the "output" described with reference to FIGS. 3 and 4 can be changed as appropriate.

The generation unit 130 generates the deposit transaction data described with reference to FIGS. 3 and 4, and then provides the data to the confirmation unit 140, which will be described later.

(Confirmation unit 140)
The confirmation unit 140 functions as a communication unit that inputs the deposit transaction data provided by the generation unit 130 to the blockchain network 300, and confirms the establishment of the remittance transaction. More specifically, the confirmation unit 140 includes an interface for connecting to the blockchain network 300, and inputs deposit transaction data to the blockchain network 300 via the interface. After inputting the deposit transaction data, a plurality of verifiers (nodes) connected to the blockchain network 300 verify and approve the deposit transaction data.

Here, the verification and approval of the deposit transaction data may be, for example, a process corresponding to "mining (or mining)" in Bitcoin (registered trademark) described above. That is, the node that succeeds in mining earliest among the plurality of nodes adds a block containing new deposit transaction data to the blockchain data, and sends the added blockchain data to the blockchain network 300, thereby transmitting each node. Share the blockchain data after adding to. A remittance transaction is completed by these processes.

Then, the confirmation unit 140 confirms the progress status from the input of the deposit transaction data to the blockchain network 300 to the establishment of the remittance transaction. Here, the method of confirming the progress status by the confirmation unit 140 is arbitrary. For example, the confirmation unit 140 may acquire transaction history information including information on the progress status of the verification process or the approval process for the deposit transaction data from the blockchain network 300, and confirm the progress status based on the information. Further, an external device (not shown) may acquire transaction history information from the blockchain network 300 and notify the confirmation unit 140 of the progress status confirmed based on the information by a predetermined method.

Further, the confirmation unit 140 may function as a second presentation unit that presents the progress status of the remittance transaction to the sender via the user interface by providing a predetermined user interface (not shown). Here, the information that the confirmation unit 140 notifies the remittance sender is arbitrary. For example, the confirmation unit 140 may notify the sender not only the progress of the remittance transaction, but also the scheduled time until the remittance transaction is completed, the completion of the remittance transaction, or the occurrence of an error.

Further, the user interface provided in the confirmation unit 140 is arbitrary. For example, the confirmation unit 140 may include a display and notify the sender of various information by displaying the above-mentioned various information on the display. Further, the confirmation unit 140 may have a printing function and notify the sender of various information by printing the above-mentioned various information on a paper medium or the like. Further, the confirmation unit 140 includes a communication unit (not shown), and is described above at a predetermined timing (for example, the timing when the remittance transaction is completed, the timing when the receipt transaction by the beneficiary is completed, the predetermined time interval, etc.). Various information may be notified to the sender by transmitting various information to the sender's terminal (not shown). When various information is notified to the sender via the communication unit, the sender's terminal information (for example, e-mail address, etc.) is managed in association with the deposit transaction data.

(3-2. Functional configuration of remittance destination device 200)
In the above, the functional configuration of the remittance source device 100 according to the present embodiment has been described. Subsequently, with reference to FIG. 5, the functional configuration of the remittance destination device 200 according to the present embodiment will be described. FIG. 5 is a block diagram showing a functional configuration of the remittance destination device 200 according to the present embodiment.

As shown in FIG. 5, the remittance destination device 200 according to the present embodiment includes an input unit 210, a generation unit 220, a confirmation unit 230, and a withdrawal unit 240.

(Input unit 210)
The input unit 210 functions as an acquisition unit (or a second acquisition unit) for acquiring the public key that is the generation source of the intermediary address and the password used for withdrawing from the intermediary address. Here, the mediation address is the address information generated from the public key described above, and the password is the private key (or information corresponding to the private key) paired with the public key from which the mediation address is generated. Is. It is assumed that the recipient has obtained information on the public key and password from which the intermediary address is generated from the sender in advance before performing various operations for receiving the remittance to the remittance destination device 200. The format of the information is arbitrary. For example, the public key and password from which the mediation address is generated may be converted into a two-dimensional bar code. The method by which the recipient obtains this information from the sender is also optional. For example, the recipient may obtain this information from the sender by means such as e-mail.

Further, the method in which the input unit 210 acquires such information is also arbitrary. For example, the input unit 210 may have a predetermined user interface, and may acquire a public key and a password that are the generation sources of the intermediary address by the operation of the beneficiary. More specifically, the input unit 210 includes a keyboard, a keypad, a touch panel, operation buttons, and the like, and the recipient inputs an operation of inputting a public key and a password from which an intermediary address is generated to these devices. The input unit 210 may acquire such information by doing so. Further, the input unit 210 is provided with various code readers (two-dimensional bar code reader, bar code reader) and the like, and the beneficiary represents various types of public keys and passwords from which an intermediary address is generated for these devices. The input unit 210 may acquire such information by performing an operation of reading the code. Further, a predetermined device (smartphone, IC card, etc.) in which the input unit 210 has a communication function for performing short-range wireless communication and the recipient stores the public key and password that are the generation source of the intermediary address. Is held over the input unit 210 so that the input unit 210 performs short-range wireless communication and acquires these information from a predetermined device.

Further, the input unit 210 acquires only the password as the private key by the above method, and acquires the public key by calculating the public key that is the source of the intermediary address using the password and the system default parameters. You may. The input unit 210 provides the public key and password that are the generation source of the acquired intermediary address to the generation unit 220, which will be described later.

(Generator 220)
The generation unit 220 functions as a withdrawal data generation unit that generates transaction data (hereinafter, referred to as “withdrawal transaction data” for convenience) which is withdrawal data for withdrawing from an intermediary address. More specifically, the generation unit 220 generates withdrawal transaction data based on the public key and password that are the generation sources of the intermediary address provided by the input unit 210.

Here, an example of withdrawal transaction data will be described with reference to FIGS. 6 and 7. FIG. 6 is a diagram showing an outline of withdrawal transaction data according to the present embodiment. Further, FIG. 7 is a diagram showing an example of a data format of withdrawal transaction data according to the present embodiment.

As shown in FIG. 6, similar to the deposit transaction data, the withdrawal transaction data has the concept of “input (also referred to as“ input ”)” and “output (also referred to as“ output ”)”. The "input" according to the present embodiment is, for example, a concept corresponding to the "input" in the transaction data of Bitcoin (registered trademark), and includes information on an intermediary address and information on a deposit amount. For example, as shown in FIG. 6, the "input" includes the information that "the intermediary address (information about the intermediary address) has a deposit of 10,000 yen (information about the deposit amount)".

On the other hand, the "output" according to the present embodiment is a concept corresponding to, for example, the "output" in the transaction data of Bitcoin (registered trademark), and includes information on the remittance destination device 200 and information on the remittance amount. For example, as shown in FIG. 6, the "output" includes the information "remittance of 10,000 yen (information on the remittance amount) to the remittance destination device (information about the remittance destination device 200)".

Further, the generation unit 220 generates the electronic signature data using the password as the private key provided by the input unit 210, and includes the electronic signature data in the withdrawal transaction data as shown in FIG. As a result, the verifier (node) of the withdrawal transaction data verifies the electronic signature data using the public key that is the generation source of the intermediary address, thereby checking whether the withdrawal transaction data has been tampered with or so-called "spoofing". It is possible to confirm the presence or absence of.

Also, as shown in FIG. 7, the withdrawal transaction data includes an "input" field and an "output" field, similar to the deposit transaction data. The “input” field is a data item corresponding to the “input” in FIG. 6, and as shown in FIG. 7, the “transaction identification information of the reference source”, the “electronic signature”, and the “source of the intermediary address” Includes "public key". The "output" field is a data item corresponding to "output" in FIG. 6, and includes "withdrawal amount" and "address of remittance destination device" as shown in FIG. 7.

As described above, the "electronic signature" is the electronic signature data generated by the password as the private key. As a result, as described above, the verifier (node) of the withdrawal transaction data verifies the digital signature data using the "public key that is the source of the intermediary address" included in the withdrawal transaction data. It is possible to confirm whether or not the money transaction data has been tampered with and whether or not there is so-called "spoofing".

The "reference source transaction identification information" is information that identifies the deposit transaction data (hereinafter, referred to as "reference source deposit transaction data" for convenience) that is the source of the receipt processing. In other words, the "referencing transaction identification information" is information indicating which deposit transaction data the recipient intends to receive. If the referencing deposit transaction data does not exist in the blockchain data, the withdrawal transaction data will not be approved.

The "referencing transaction identification information" may be any information as long as the deposit transaction data that is the source of the receipt processing can be identified. For example, the "reference source transaction identification information" may be a hash value of the entire reference source deposit transaction data. More specifically, the generation unit 220 calculates the mediation address (hash value of the public key) using the public key that is the generation source of the mediation address provided by the input unit 210, and is the same as the hash value. Search the blockchain data for deposit transaction data whose value is contained in the Output field.

Based on the fact that the deposit transaction data in which the same value as the intermediary address is contained in the "output" field is found in the blockchain data, the remittance destination device 200 correctly has the deposit transaction data from which the receipt processing is performed. You can confirm that. Then, the generation unit 220 calculates the hash value of the entire deposit transaction data of the reference source found in the blockchain data, and uses the hash value for the "transaction identification information of the reference source". Since the above is just an example, the information set in the "transaction identification information of the reference source" can be changed as appropriate.

The "withdrawal amount" is information about the amount of money the beneficiary intends to receive. In the "withdrawal amount", an amount equal to or less than the "withdrawal amount" included in the deposit transaction data of the reference source is specified. For example, the "withdrawal amount" of the withdrawal transaction data may be the same as the "withdrawal amount" included in the reference source deposit transaction data, or the "withdrawal amount" included in the reference source deposit transaction data. The amount after the remittance fee is deducted from the "amount" may be specified. Here, the remittance fee is assumed to be, for example, a fee paid as a reward to a verifier (node) who has performed verification processing or approval processing for each transaction, but the remittance fee is not limited to this.

The "address of the remittance destination device" is information for identifying the remittance destination device 200 in which the remittance processing is performed (hereinafter, referred to as "address of the remittance destination device 200" for convenience). The information is identification information that is generated from the public key for each address of the remittance destination device and can identify the public key, and is, for example, a hash value generated by inputting the public key. In addition, since the information is generated from the public key of the remittance destination device, it is a remittance process to a specific remittance destination device based on the information set in the "address of the remittance destination device". Can be identified.

The generation unit 220 generates withdrawal transaction data as described with reference to FIGS. 6 and 7, and then provides the data to the confirmation unit 230, which will be described later.

(Confirmation unit 230)
The confirmation unit 230 functions as a communication unit that inputs the withdrawal transaction data provided by the generation unit 220 to the blockchain network 300, and confirms the establishment of the receipt transaction. More specifically, the confirmation unit 230 includes an interface for connecting to the blockchain network 300, and inputs withdrawal transaction data to the blockchain network 300 via the interface. After inputting the withdrawal transaction data, a plurality of verifiers (nodes) connected to the blockchain network 300 verify and approve the withdrawal transaction data.

Here, since the verification and approval of the withdrawal transaction data can be the same as the verification and approval of the deposit transaction data described above, the description thereof will be omitted. Since this is just an example, the verification and approval of the withdrawal transaction data does not have to be the same as the verification and approval of the deposit transaction data, and may be changed as appropriate.

Then, the confirmation unit 230 confirms the progress status from the input of the withdrawal transaction data to the blockchain network 300 to the establishment of the withdrawal transaction. In addition, the confirmation unit 230 may function as a presentation unit that presents the progress status to the beneficiary. The method of confirming the progress until the receipt transaction is completed and the method of presenting it to the recipient may be the same as the confirmation method by the confirmation unit 140 of the remittance source device 100 and the method of presenting it to the sender described above. Therefore, the description thereof will be omitted.

When the receipt transaction is completed, the confirmation unit 230 provides the withdrawal unit 240, which will be described later, with information regarding the withdrawal amount included in the withdrawal transaction data.

(Withdrawal section 240)
The withdrawal unit 240 performs the withdrawal process. More specifically, the withdrawal unit 240 pays out the same amount of cash as the withdrawal amount based on the information regarding the withdrawal amount provided by the confirmation unit 230 when the withdrawal transaction is completed. This allows the recipient to receive the remittance from the sender in cash. The withdrawal unit 240 may be, for example, similar to, but not limited to, a configuration for withdrawing cash from an ATM bill outlet or coin outlet.

<4. Operation of each device>
In the above, the functional configuration of each device according to this embodiment has been described. Subsequently, the operation of each device according to the present embodiment will be described.

(4-1. Operation by remittance source device 100)
First, the operation of the remittance source device 100 according to the present embodiment will be described with reference to FIG. FIG. 8 is a flowchart showing the operation of the remittance source device 100 according to the present embodiment.

As a premise for the explanation with reference to FIG. 8, the sender creates a private key that is paired with the intermediary address used for remittance and the public key that is the generation source of the intermediary address in advance, for example, two-dimensional. It is assumed that it is converted into a bar code and held. The preconditions are merely examples and may be changed as appropriate.

First, in step S1000 of FIG. 8, the input unit 110 of the remittance source device 100 acquires the intermediary address. More specifically, when the sender holds the two-dimensional bar code over the two-dimensional bar code reader provided in the input unit 110, the input unit 110 acquires the mediation address. In step S1004, the deposit unit 120 counts the deposit amount. More specifically, the sender inserts a bill or coin into the deposit unit 120, and the deposit unit 120 counts the total amount of the bill or coin.

In step S1008, the generation unit 130 generates the deposit transaction data. More specifically, the generation unit 130 generates the deposit transaction data based on the information regarding the deposit amount provided by the deposit unit 120 and the intermediary address provided by the input unit 110. In step S1012, the confirmation unit 140 inputs the deposit transaction data into the blockchain network 300.

In step S1016, the confirmation unit 140 confirms the establishment of the remittance transaction. If the remittance transaction is successful (step S1020 / Yes), the process is completed (the sender may be notified that the remittance transaction has been completed), and the remittance transaction is not completed (step S1020). / No), in step S1024, the confirmation unit 140 notifies the remittance sender that an error has occurred, and the process ends. The above is an example of the operation by the remittance source device 100.

(4-2. Operation by remittance destination device 200)
Subsequently, the operation of the remittance destination device 200 according to the present embodiment will be described with reference to FIG. FIG. 9 is a flowchart showing the operation of the remittance destination device 200 according to the present embodiment.

As a premise for the explanation with reference to FIG. 9, the beneficiary obtains in advance the public key that is the source of the intermediary address used for receiving money and the password as the private key that is paired with the public key. do. The way the beneficiary obtains this information is arbitrary. For example, the recipient may obtain a two-dimensional bar code or the like in which these information are converted from the sender by means such as e-mail.

First, in step S1100 of FIG. 9, the input unit 210 of the remittance destination device 200 acquires the public key and password that are the generation source of the intermediary address. More specifically, when the beneficiary holds the two-dimensional bar code over the two-dimensional bar code reader provided in the input unit 210, the input unit 210 acquires the public key and password from which the intermediary address is generated. .. In step S1104, the generation unit 220 generates withdrawal transaction data based on the public key and password that are the generation source of the intermediary address provided by the input unit 210.

In step S1108, the confirmation unit 230 inputs the withdrawal transaction data into the blockchain network 300. In step S1112, the confirmation unit 230 confirms the establishment of the receipt transaction. When the receipt transaction is completed (step S1116 / Yes), in step S1120, the withdrawal unit 240 pays out the same amount of cash as the withdrawal amount included in the withdrawal transaction data, and the process ends. If the receipt transaction is not completed (step S1116 / No), in step S1124, the confirmation unit 230 notifies the recipient that an error has occurred, and the process ends. The above is an example of the operation by the remittance destination device 200.

By the operation described with reference to FIGS. 8 and 9, the sender and the recipient do not disclose personal information to each other, and the personal information is not disclosed to a third party. You can receive money.

<5. Hardware configuration of each device>
FIG. 10 is a block diagram showing a hardware configuration of the remittance source device 100 and the remittance destination device 200 according to the present embodiment. The remittance source device 100 and the remittance destination device 200 according to the present embodiment are embodied by, for example, the automatic teller machine 900 shown in FIG.

As shown in FIG. 10, the automatic teller machine 900 includes an operation display unit 901, a card reading unit 902, a bill deposit / withdrawal unit 903, a coin deposit / withdrawal unit 904, a passbook entry unit 905, and a receipt printing unit. It includes a 906, a control unit 907, an interface unit 908, a speaker 909, and a storage unit 910.

The operation display unit 901 has both a display function for displaying an operation guidance screen by the user and an operation detection function for detecting the operation by the user. The method for realizing the operation detection function may be a resistance film method or an infrared method. The operation display unit 901 may embody, for example, a part of the input unit 110 or the confirmation unit 140 of the remittance source device 100, or the input unit 210 or the confirmation unit 230 of the remittance destination device 200.

The speaker 909 outputs a sound for guiding the operation to the user, a beep sound, and the like. For example, the speaker 909 outputs a sound for guiding the insertion of the magnetic card, a withdrawn bill, a beep sound for preventing the ejected magnetic card, the receipt, and the like from being forgotten to be removed. The speaker 909 may embody, for example, a part of the confirmation unit 140 of the remittance source device 100 or the confirmation unit 230 of the remittance destination device 200.

The interface unit 908 is connected to the blockchain network 300 and communicates various information with the blockchain network 300. For example, the interface unit 908 transmits the deposit transaction data or the withdrawal transaction data to the blockchain network 300. The interface unit 908 may embody, for example, a part of the confirmation unit 140 of the remittance source device 100 or the confirmation unit 230 of the remittance destination device 200.

The card reading unit 902 reads the magnetic information recorded on the user's magnetic card inserted from the card insertion / ejection port. The magnetic information may include, for example, information indicating an account number, an account type, and the like. The card insertion / ejection port and the card reading unit 902 may be omitted as appropriate.

The bill deposit / withdrawal unit 903 has a bill transport path, a bill cassette, a configuration for recognizing the legitimacy of the bill, and the like. If the legitimacy is recognized, the banknotes inserted into the banknote slot at the time of deposit are transported to the banknote cassette according to the denomination. Further, at the time of withdrawal, the banknotes are separated from the banknote cassette, and the banknotes are transported when the validity of the separated banknotes is recognized. The banknote deposit / withdrawal unit 903 may embody, for example, a part of the deposit unit 120 of the remittance source device 100 or a part of the withdrawal unit 240 of the remittance destination device 200.

The coin deposit / withdrawal unit 904 has a coin transport path, a coin cassette, a configuration for recognizing the validity of coins, and the like. The coins inserted into the coin slot at the time of deposit are transported to a coin cassette according to the denomination when the validity is recognized. Further, at the time of withdrawal, coins are withdrawn from the coin cassette, and when the validity of the withdrawn coins is recognized, the coins are conveyed to the coin slot. The coin deposit / withdrawal unit 904 may embody, for example, a part of the deposit unit 120 of the remittance source device 100 or a part of the withdrawal unit 240 of the remittance destination device 200.

The passbook bookkeeping unit 905 includes a magnetic head, a page feed unit, a printing unit, and the like, and records a passbook inserted from the passbook insertion slot. For example, when a passbook is inserted from the passbook insertion slot, the magnetic head reads magnetic information from the magnetic stripe formed on the cover paper of the passbook. In addition, the page feed section opens the passbook entry page, and the printing section prints transaction information on the passbook entry page. The passbook insertion slot and the passbook entry unit 905 may be omitted as appropriate.

The receipt printing unit 906 includes a receipt roll, a thermal head, a cutter, and the like, and creates a receipt on which detailed transaction information is printed. For example, when a transaction specified by the user is executed, the thermal head prints the detailed information of the transaction on the continuous paper separated from the receipt roll, and the cutter separates the area where the detailed information is printed from the continuous paper. , A receipt is created. The receipt printing unit 906 may embody, for example, a part of the confirmation unit 140 of the remittance source device 100 or the confirmation unit 230 of the remittance destination device 200.

The storage unit 910 is a storage medium for storing various information used for the operation of the automatic teller machine 900, and is composed of a hard disk or a memory. For example, in the storage unit 910, the control unit 907 controls the operation display unit 901, the card reading unit 902, the bill deposit / withdrawal unit 903, the coin deposit / withdrawal unit 904, the passbook bookkeeping unit 905, the receipt printing unit 906, the interface unit 908, and the like. Memorize the program to do.

The control unit 907 controls the overall operation of the automated teller machine 900. For example, the control unit 907 operates each of the operation display unit 901, the card reading unit 902, the bill deposit / withdrawal unit 903, the coin deposit / withdrawal unit 904, the passbook bookkeeping unit 905, the receipt printing unit 906, the speaker 909, and the interface unit 908. To control. The control unit 907 may be, for example, an input unit 110, a deposit unit 120, a generation unit 130 or a confirmation unit 140 of the remittance source device 100, or an input unit 210, a generation unit 220, a confirmation unit 230 or a withdrawal unit 240 of the remittance destination device 200. Can embody a part of.

<6. Conclusion>
As described above, both the remittance source device 100 and the remittance destination device 200 according to the present embodiment are connected to the blockchain network 300. Then, the sender inserts cash into the remittance source device 100, and the remittance source device 100 generates deposit transaction data using the intermediary address that mediates the remittance, and inputs the data into the blockchain network 300. Complete a remittance transaction. On the other hand, the remittance destination device 200 generates withdrawal transaction data using the public key and password that are the generation source of the intermediary address, inputs the data into the blockchain network 300, and concludes the receipt transaction. The money person receives the cash.

As a result, the sender and the recipient can exchange cash without disclosing personal information to each other and without disclosing personal information to a third party. In addition, the recipient can process the receipt at any time after the remittance transaction is completed. In addition, since any remittance source device 100 and any remittance destination device 200 can be used for remittance processing and remittance processing, remittance and remittance recipients can remit and receive money even if they are geographically separated. It can be performed. Further, by using the blockchain network 300, fraud such as double remittance can be effectively prevented even without a central administrator.

Although the preferred embodiments of the present invention have been described in detail with reference to the accompanying drawings, the present invention is not limited to such examples. It is clear that a person having ordinary knowledge in the field of technology to which the present invention belongs can come up with various modifications or modifications within the scope of the technical ideas described in the claims. , These are also naturally understood to belong to the technical scope of the present invention.

For example, in the above embodiment, the remittance system is composed of the remittance source device 100 and the remittance destination device 200, but is not limited thereto. More specifically, as long as it is a device capable of remittance processing and remittance processing as described above, the device may independently configure a remittance system.

Further, in the above description, it has been explained that the intermediary address, the public key from which the intermediary address is generated, and the password as the paired private key are generated by the sender (or the remittance source device 100). Not limited to. For example, the intermediary address, the public key from which the intermediary address is generated, and the paired private key may be notified to the sender after being generated by the recipient (or the remittance destination device 200).

Further, in the above, the "input" field and the "output" field in the deposit transaction data and the withdrawal transaction data each include, but are not limited to, one mediation address or one device address. For example, a plurality of intermediary addresses and withdrawal amounts for each intermediary address may be set in the "output" field of the deposit transaction data, and a plurality of deposit transaction data as reference sources may be set in the "input" field of the withdrawal transaction data. Individuals may be set. In addition, a remittance fee may be collected via the default address by setting a default address in the "output" field of each transaction.

In addition, each step in the operation of each device according to the present embodiment does not necessarily have to be processed in chronological order in the order described in the flowchart. That is, each step in the operation of the remittance source device 100 or the remittance destination device 200 may be processed in an order different from the order described in the flowchart, or may be processed in parallel.

Further, a part of the configuration of the remittance source device 100 may be appropriately provided outside the remittance source device 100. Similarly, a part of the configuration of the remittance destination device 200 may be appropriately provided outside the remittance destination device 200.

Further, a part of the functions of the remittance source device 100 may be realized by a control unit (not shown) provided in the remittance source device 100. For example, the control unit provided in the remittance source device 100 may embody a part of the functions of the input unit 110, the deposit unit 120, the generation unit 130, or the confirmation unit 140. Similarly, a part of the function of the remittance destination device 200 may be embodied by a control unit (not shown) provided in the remittance destination device 200. For example, the control unit provided in the remittance destination device 200 may embody a part of the functions of the input unit 210, the generation unit 220, the confirmation unit 230, or the withdrawal unit 240.

100 Remittance source device 110 Input unit 120 Deposit unit 130 Generation unit 140 Confirmation unit 200 Remittance destination device 210 Input unit 220 Generation unit 230 Confirmation unit 240 Withdrawal unit

Claims (15)

A mediation address that is used for remittance from the remittance source device to the remittance destination device and is an address generated from the public key is generated, the generated mediation address is acquired , and the public key that is the generation source of the mediation address is used. An acquisition unit that also generates a pair of private keys,
A deposit counting unit that counts the amount of cash put into the remittance source device,
A deposit data generation unit for generating deposit data for depositing the amount to the intermediary address is provided.
Remittance source device. A communication unit that transmits the deposit data to the blockchain network is further provided.
The remittance source device according to claim 1. The acquisition unit acquires the mediation address input by the user operation.
The remittance source device according to claim 1 or 2. A first presenting unit that presents the public key or the private key that is the generation source of the intermediary address to the user is further provided.
The remittance source device according to claim 1. The communication unit receives information on the status of verification or approval of the deposit data from the blockchain network.
The remittance source device according to claim 2. A second presentation unit for presenting the situation to the user is further provided.
The remittance source device according to claim 5. A mediation address that is used for remittance from the remittance source device to the remittance destination device and is an address generated from the public key is generated, the generated mediation address is acquired , and the public key that is the generation source of the mediation address is used. To generate a pair of private keys,
Counting the amount of cash put into the remittance source device
To generate deposit data for depositing the amount to the intermediary address.
A remittance method performed by the remittance source device. Computer,
A mediation address that is used for remittance from the remittance source device to the remittance destination device and is an address generated from the public key is generated, the generated mediation address is acquired , and the public key that is the generation source of the mediation address is used. To generate a pair of private keys,
Counting the amount of cash put into the remittance source device
To generate deposit data for depositing the amount to the intermediary address,
A program for functioning as the remittance source device. Is available from the transfer source device to transfer to transfer destination apparatus, Ri address der generated from the public key, and obtains the hash value Der Ru intermediary addresses of the public key, and the public key and the public key pair And the acquisition department that also acquires the private key
A withdrawal data generation unit that generates withdrawal data based on the intermediary address , the public key, and the private key.
A communication unit that transmits the withdrawal data to the blockchain network,
It includes a withdrawal unit that pays out the amount of cash specified in the withdrawal data based on the status of verification or approval of the withdrawal data in the blockchain network.
Remittance destination device. The acquisition unit acquires the public key or the private key input by a user operation.
The remittance destination device according to claim 9. The communication unit receives information on the status of verification or approval of the withdrawal data from the blockchain network.
The remittance destination device according to claim 9 or 10. A presentation unit for presenting the situation to the user is further provided.
The remittance destination device according to claim 11. Is available from the transfer source device to transfer to transfer destination apparatus, Ri address der generated from the public key, and obtains the hash value Der Ru intermediary addresses of the public key, and the public key and the public key pair And the acquisition department that also acquires the private key
Generating withdrawal data based on the intermediary address , the public key and the private key,
Sending the withdrawal data to the blockchain network and
Withdrawing the amount of cash specified in the withdrawal data based on the status of verification or approval of the withdrawal data in the blockchain network.
A receiving method executed by the remittance destination device. Computer,
Is available from the transfer source device to transfer to transfer destination apparatus, Ri address der generated from the public key, and obtains the hash value Der Ru intermediary addresses of the public key, and the public key and the public key pair And the acquisition department that also acquires the private key
Generating withdrawal data based on the intermediary address , the public key and the private key,
Sending the withdrawal data to the blockchain network and
Withdrawing the amount of cash specified in the withdrawal data based on the status of verification or approval of the withdrawal data on the blockchain network.
A program for functioning as the remittance destination device. A remittance system including a remittance source device for remittance and a remittance destination device for receiving the remittance.
The remittance source device is
The utilized remitted to, Ri address der generated from the public key, the generated hash value Der Ru intermediary addresses of the public key, and obtains the generated the mediation address, a generator of the mediation address the The first acquisition unit that also generates the private key that is paired with the public key,
A deposit counting unit that counts the amount of cash put into the remittance source device,
A deposit data generation unit for generating deposit data for depositing the amount to the intermediary address is provided.
The remittance destination device is
A second acquisition unit that acquires the mediation address , the public key, and the private key,
A withdrawal data generation unit that generates withdrawal data based on the intermediary address , the public key, and the private key.
A communication unit that transmits the withdrawal data to the blockchain network,
It includes a withdrawal unit that pays out the amount of cash specified in the withdrawal data based on the status of verification or approval of the withdrawal data in the blockchain network.
Remittance system.

Images