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KR-20260067511-A - System and method for creating a temporary account for a trusted foreigner as a means of identity verification for accessing domestic digital services through a blockchain network and foreigner's temporary account-based payment system performing the same

KR20260067511AKR 20260067511 AKR20260067511 AKR 20260067511AKR-20260067511-A

Abstract

The embodiments relate to a system and method for creating a temporary account for a foreigner to access a domestic digital service, wherein the server (300) performs an authentication operation to determine whether a short-term foreigner is eligible for temporary account issuance based on a temporary account request received from a foreigner's terminal device (100); when authentication is completed for the foreigner who requested account issuance, the temporary account of the foreigner is created; the server (300) processes the settlement of the amount included in the foreigner's temporary account and manages the foreigner's temporary account information according to the foreigner's transfer request or payment request received from the foreigner's terminal device (100) by the server (300); and a history management unit that creates and stores a payment history log based on the settlement processing result; and receives an authentication token issuance request from the account management unit to issue an authentication token for the authenticated foreigner, and generates a token issuance transaction on the blockchain network (1000) to issue an authentication token through the blockchain network (1000) based on the authentication token issuance request.

Inventors

  • 조용우

Assignees

  • 주식회사 토모로우

Dates

Publication Date
20260513
Application Date
20241105

Claims (9)

  1. In a server that creates a temporary account for a foreigner to access domestic digital services, An authentication unit configured to perform an authentication operation to determine whether a short-term foreigner is eligible for temporary account issuance based on a temporary account request received by the server (300) from the foreigner's terminal device (100); An account management unit configured to create a temporary account for a foreigner who has requested account issuance when authentication is completed; A settlement management unit that processes the settlement of the amount included in the foreigner’s temporary account and manages the foreigner’s temporary account information in accordance with the foreigner’s transfer request or settlement request received by the server (300) from the foreigner’s terminal device (100); A history management unit that generates and saves payment history logs based on settlement processing results; and It includes a token management unit configured to receive a request from the account management unit to issue an authentication token for an authenticated foreigner, and to generate a token issuance transaction on the blockchain network (1000) in order to issue an authentication token through the blockchain network (1000) based on the request to issue an authentication token. The above temporary account is issued to the foreigner for whom authentication has been completed and the above authentication token has been issued, and The above foreigner is a foreigner residing in the country within the pre-set minimum period of stay required for the issuance of an alien registration card, or a foreigner who has exceeded the minimum period of stay and is awaiting the issuance of the above alien registration card after applying. Characterized by, Server.
  2. In paragraph 1, The above certification unit, in order to certify the above foreigner, Perform primary authentication on the foreigner by comparing the foreigner's passport information and flight ticket information, and While transferring the minimum transferable amount to the foreigner's foreign bank account entered in the foreigner user's profile information, and obtaining the foreigner's foreign bank account information, The name information in the acquired foreign bank account information is compared with the name information in the acquired passport and airline ticket; if the comparison result shows that the foreigner's name information acquired during the remittance process matches the name in the passport information and the name in the airline ticket information, the 2-1st authentication is processed as successful, and if they do not match, the 2-1st authentication is processed as failed. Compare the nationality information within the acquired foreign bank account details with the nationality information from the passport and airline ticket obtained through scanning; if the comparison result shows that the foreigner's nationality information obtained during the remittance process matches the nationality within the passport information and the nationality within the airline ticket information, process the 2-2nd authentication as successful; if they do not match, process the 2-2nd authentication as failed, and, To confirm the fact of entry of a foreigner based on GPS information of a foreigner's terminal device (100) and to perform additional authentication, the method is configured to determine whether the location of the terminal device (100) corresponds to the country of entry listed on the airline ticket based on GPS information of the terminal device (100) acquired at the time of shooting of an airline ticket image providing airline ticket information, and if the location of the terminal device (100) corresponds to the country of entry listed on the airline ticket, the fact of entry of the foreigner is determined to be successfully authenticated, and if the result of all performed authentication operations indicates successful authentication, the foreigner is determined to be authenticated. Server.
  3. In paragraph 1, In the above blockchain network (1000), when a transaction matching the execution conditions occurs, a first smart contract for issuing an authentication token is propagated in advance, and The above token management department, in order to issue authentication tokens for authenticated foreigners, Upon receiving the above authentication token issuance request, the DID of the foreigner is issued, and a token issuance transaction including the foreigner's DID is created and generated on the blockchain network (1000). When the above token issuance transaction matches the execution conditions of the first smart contract, the first smart contract configured to issue an authentication token in accordance with the occurrence of the above token issuance transaction is executed, thereby issuing the authentication token of the foreigner including the foreigner's DID on the blockchain network (1000). The execution condition of the first smart contract above is characterized by being a token issuance transaction including DID data representing the foreigner's DID, validity data representing the success of validating the DID's validity, and requester data representing the foreigner's authentication period and identification information of the server (300). Server.
  4. In paragraph 1, the above account management department, When a pre-set threshold time elapses based on the authentication period of the above foreigner, an elapsed time message indicating the imminent elapsed of the authentication period is provided to the terminal device (100) of the above foreigner to check whether the authentication period of the above foreigner is extended, and It is further configured to remove the authentication token of the said foreigner and discard the said foreigner's temporary account when the authentication period of the said foreigner has elapsed, and The above account management department, in order to provide a message indicating the imminent expiration of the authentication period to the terminal device (100) of the above foreigner, A message regarding the expected expiration of the foreigner's authentication period is transmitted to the foreigner's terminal device (100), and When a request for an extension of the foreigner's authentication period is received from the foreigner's terminal device (100), it is checked whether the end date of the extended period of stay included in the extension request is the minimum period of stay or an earlier date, and if it is confirmed to be correct, the existing authentication period for the foreigner's temporary account stored in the account DB (331) is updated to the extended authentication period. It generates an extension approval including the foreigner's identification information used to generate the existing authentication token and the new extended authentication period, and Remove the previously issued authentication token of the foreigner who requested the above extension approval from the blockchain network (1000), and, It is further configured to subsequently generate a token issuance transaction on a blockchain network (1000) that includes an extended certification period based on the end date of the extended period of stay included in the above extension approval and identification information of the foreigner, and When a subsequent token issuance transaction matches the execution conditions of the first smart contract, the first smart contract configured to issue a new subsequent authentication token in accordance with the occurrence of the said token issuance transaction is executed, thereby characterized in that a new subsequent authentication token of said foreigner having an extended authentication period for the same foreigner is issued on the blockchain network (1000). Server.
  5. In paragraph 1, Removing an authentication token that has already been issued on the above blockchain network (1000) is to burn the authentication token data, and transfers the authentication token of a foreigner to be burned to a pre-set wallet address. The above-mentioned preset wallet address is an address different from the foreigner's wallet address, characterized in that it is a wallet address where all nodes of the blockchain network (1000) can only make transfers and no one within the blockchain network (1000) possesses the private key of the address. Server.
  6. In paragraph 1, The above account management unit is configured to process the disposal of the foreigner's temporary account when the removal of the foreigner's authentication token is completed, and is characterized by being configured such that, if the foreigner's temporary account is a Type 1 temporary account, the foreigner's temporary account number is transmitted to a financial institution system to request disposal of the foreigner's temporary account, and the result of disposal of the foreigner's temporary account is obtained from the financial institution system. Server.
  7. In paragraph 1, the account management department, in order to issue a temporary account of the foreigner to the foreigner to whom the authentication token was issued, When the account type requested by the foreigner is a first type temporary account, in order to request the foreigner's first type temporary account, the main account of the server (300) to be linked to the foreigner's first type temporary account and information related to the foreigner's authentication token are transmitted to the financial institution system that issued the physical currency main account of the server (300), and the foreigner's temporary account is obtained from the financial institution system. Server.
  8. In Paragraph 7, the account management department, in order to issue a temporary account of the foreigner to the foreigner to whom the authentication token was issued, When the account type requested by the foreigner is a second type temporary account, a second smart contract corresponding to the foreigner's second type temporary account is created on the blockchain network (1000) based on the main wallet address of the server (300) to be linked to the foreigner's second type temporary account and the foreigner's DID, and is propagated on the blockchain network (1000), and the address of the second smart contract for the foreigner is transmitted to the foreigner's terminal device (100) to the foreigner's temporary account. Server.
  9. In claim 8, the second smart contract has an address of the smart contract corresponding to the foreigner's DID, and has the occurrence of a transfer transaction having the pre-set foreigner's DID and the address of the second smart contract as the transfer wallet address as an execution condition of the second smart contract, and is a smart contract configured to execute an operation of transferring the amount of cryptocurrency of the transfer transaction to the wallet address of the server (300) when the execution condition is satisfied. The above smart contract is a protocol written in digital commands, characterized in that when an event following the conditions of the protocol occurs in a blockchain network (1000), a specific transaction occurs or another smart contract is executed according to the set protocol. Server.

Description

System and method for creating a trusted foreigner's temporary account as a means of identity verification for accessing domestic digital services through a blockchain network and a foreigner's temporary account-based payment system performing the same Embodiments of the present application relate to a method for conducting domestic online payments using a reliable temporary account of a foreigner as a means of identity authentication for accessing domestic digital services, and a payment system based on a temporary account of a foreigner that performs the same. In addition, it relates to a method for generating a reliable temporary account of a foreigner as a means of identity verification for accessing domestic digital services through a blockchain network, and a payment system based on the temporary account of a foreigner that performs this. According to data from the Korea Tourism Organization, the number of foreign visitors to South Korea exceeded 11 million in 2023, with over 1 million entering the country every month. This figure represents a recovery to 63% of pre-COVID levels, and it has been found that the country is rapidly recovering to previous levels even now (Yonhap News, "11 Million Foreign Tourists Visited Korea Last Year... Japan Recorded 2.32 Million," Jan. 30, 2024). The major countries of origin for foreign visitors to Korea are Japan (2.32 million), China (2.02 million), and the United States (1.09 million), followed by Taiwan, Vietnam, and Thailand. According to the Ministry of Justice's "Statistics on Entry and Exit and Foreign Residents," the total number of international students in 2022 is estimated to reach 200,000. To continuously attract foreign tourists, it is necessary to ensure that they have easy access to various domestic infrastructures. However, due to structural limitations, foreigners face significantly inferior infrastructure compared to domestic residents. In particular, the financial sector is facing even greater limitations due to issues such as personal authentication. Specifically, South Korea requires identity verification under the Act on Real Name Financial Transactions and Confidentiality (Financial Real Name Act) to experience domestic digital services, such as non-face-to-face online payments. Currently, domestic mobile phones or domestic bank accounts are used as means of identity verification in accordance with the Financial Real Name Act to access domestic digital services. To this end, users must submit their Resident Registration Number to telecommunication companies or banks to obtain a domestic mobile phone or bank account in advance before using domestic digital services. Since these foreigners generally do not have a Resident Registration Number, they cannot obtain domestic mobile phones or bank accounts. To obtain a domestic mobile phone or bank account, foreigners must obtain an Alien Registration Card (ARC). Once a foreigner obtains an ARC, they can use various domestic digital services. However, since the Alien Registration Card is issued to foreigners who intend to stay for more than 90 days, it is impossible for foreigners staying for less than 90 days to obtain one. Furthermore, there is the inconvenience of having to submit many documents, such as a passport, visa, proof of residence (accommodation contract), and health certificate, in order to obtain an Alien Registration Card. For foreigners who are not proficient in Korean, difficulties may be compounded by the Korean-centric information system, and they must wait approximately 4 to 5 weeks, or even up to 8 weeks, to apply for and receive the card. As such, foreigners face significant difficulties in verifying their identity to experience domestic digital services. Consequently, most visiting foreigners are unable to use online delivery services and experience the inconvenience of having to recharge their T-money with cash every time they take a taxi. In 2024, a service for issuing financial certificates at overseas diplomatic missions was launched for overseas nationals residing abroad who do not have domestic accounts, but foreigners who do not qualify as overseas nationals still face the limitation of inconvenience in identity verification under the Financial Real Name Act. Still, payment inconveniences for foreigners persist, causing various problems such as the deterioration of the tourism balance due to domestic consumption barriers, a decline in the rate of repeat visits by foreigners, difficulties in securing foreign payment data, and discrimination against domestic customers. FIG. 1 illustrates a network environment of a foreigner’s temporary account-based payment system according to one aspect of the present application. FIG. 2 is a diagram illustrating a blockchain network (1000) according to various embodiments of the present application. FIG. 3 is a block diagram of a foreigner's terminal device for a foreigner's temporary account-based payment system according to various em