블록체인 기반 익명 전자 어음 시스템
Anonymous Electronic Promissory Note System Based on Blockchain
0
조회
0
다운로드
1
인용
0
참고문헌
키워드
초록
현재 우리나라는 실물 어음을 전자 어음으로 대체해 나가고 있으며, 이러한 변화는 신뢰 기관인 금융결제원이 주도하고 있다. 하지만 기존 시스템은 해킹의 위협, 기관 내부의 오류 등 보안상의 취약점이 존재한다. 이에 따라 본 논문에서는 블록체인 기반의 새로운 익명 전자 어음 시스템을 정의하였다. 제안하는 프로토콜에서 모든 어음 정보는 커밋되기 때문에 지급이 일어나기 전까지는 거래 정보가 노출되지 않으며, 지급이 완료된 후에는 어음 정보가 블록체인에 공개되기 때문에 자금 세탁, 탈세와 같은 불법적인 행위를 탐지할 수 있다. 또한 본 프로토콜은 우리나라 전자 어음 시스템의 중요한 기능인 분할 배서가 가능하기 때문에 실제 금융 거래에 적용하기 적합하다.
Abstract
In Korea, traditional paper promissory notes are currently undergoing a transformation, being gradually replaced by electronic notes. This transformation is being steered under the Korea Financial Telecommunications Institute, a trusted authority. However, existing electronic systems have security vulnerabilities, including the risk of hacking and internal errors within the institute. To this end, we have defined a novel anonymous electronic promissory note system based on blockchain. We have constructed a concrete protocol and conducted security analysis of our protocol. Note that, in our protocol, every note information is committed so that the note remains undisclosed until the point of payment. Once the note information becomes public on the blockchain, it enables the detection of illicit activities, such as money laundering and tax evasion. Furthermore, our protocol incorporates a feature of split endorsement, which is a crucial functionality permitted by the Korean electronic note system. Consequently, our proposed protocol is suitable for practical applications in financial transactions.
참고문헌 (10)
- Kwon Min Kyung, "Risk Factors of DeFi and International Regulatory Trends", Capital Market Focus, 01 (2022), Capital Market Institute
- Statistics Korea, "Current Usage of Electronic Bills" (2023), Bank of Korea Economic Statistics System (ECOS)
- Kim Ik-hwan, "Over 40, 000 Cases of 'Hacking' of Financial Payment Certificates at the Korea Financial Telecommunications & Clearings Institute", Hankook Economic Daily, ~ (2020)
- Kim Yu-dae, "Partial Errors in Korea Financial Telecommunications & Clearings Institute Card Terminals... Payment Disruptions at Gas Stations and More", KBS News Economy, ~ (2023)
- Gov of Poland, "Electronic promissory notes on blockchain", Gov. pl, ~ (2018)
- Batista, Danielle, "Building Decentralized Trust: Multidisciplinary Perspectives on the Design of Blockchains and Distributed Ledgers", pp.111~128 (2021)
- FQX. eNITM Infrastructure, "Electronic Negotiable Instruments", fqx.ch, ~ (2020)
- Zhang, Rui, "Security and privacy on blockchain", ACM Computing Surveys (CSUR), 52(3), pp.1~34 (2019)
- Eberhardt, Jacob, "Zokrates-scalable privacy-preserving off-chain computations", 2018 IEEE International Conference on Internet of Things(iThings)and IEEE Green Computing and Communications(GreenCom)and IEEE Cyber, Physical and Social Computing(CPSCom)and IEEE Smart Data(SmartData) (2018), IEEE
- Shoup, Victor, "Sequences of games: a tool for taming complexity in security proofs" (2004), cryptology eprint archive