Non-Face-to-Face P2P (Peer-to-Peer) Real-Time Token Payment Blockchain System

With the increase in intelligent voice phishing and increasing reliance on open banking systems, there has been a rise cases where individuals’ personal information exposed, resulting significant financial losses for victims. Non-face-to-face transactions sector face challenges such as customer identification, ensuring transaction integrity preventing rejection. Blockchain-based distributed ledgers have proposed solution but their adoption is limited due to difficulty of managing private keys burden gas fees management. This paper proposes non-face-to-face P2P real-time token payment system that minimizes risk key loss by storing keystore file database through server-based management module. The simplifies creation module implements an automatic gas-charging function smooth transactions. Transaction non-repudiation are ensured confirmation uses IDs without exposing information. Furthermore, advanced security measures blocking foreign IP access DDoS defense implemented securely protect user data. aims provide convenient, secure accessible online public implementing self-authentication using web application not smartphones or platforms.