KR101898283B1 - Server and system for converting virtual money into cash - Google Patents

Abstract

According to an embodiment of the present invention, a virtual money to cash compatible server comprises: a storage unit for storing information required to calculate a loan allowance amount for each user while mortgaging user account information and virtual money; and a control unit for calculating loan possibility and a loan allowance amount on the basis of virtual money information possessed by the user. The control unit comprises: a value evaluation unit which extracts virtual money information possessed by a user by using the user account information and evaluates a value of the virtual money on the basis of the virtual money information; a loan amount calculation unit which calculates and provides a loan possible amount and retention money at a predetermined rate on the basis of value of the virtual money evaluated by the value evaluation unit; an opposite sales processing unit which controls to sell the corresponding virtual money when a price drop of the virtual money mortgaged after a loan is made exceeds a reference value; and a loan management unit which manages a loan money deposit, a loan money redemption, and an interest payment history.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a cash-

The present invention relates to a cash-compatible server and system of block-chain virtual currency. More particularly, the present invention relates to a server and a system that support a virtual money using a block chain technology, such that a specific user can borrow cash by using a virtual money held by a specific user.

Recently, the field of virtual money using blockchain technology is growing rapidly. The block chain contains transaction information, which is a block of transactions, in which each block is linked by a chain. The block chain also means an anti-hacking technique for virtual currency trading. This is because the block chain technology can prevent hacking in the virtual currency transaction by recording transaction details in a book that anyone can read and verifying the record by a large number of participants.

The virtual currency based on this block chain method includes bit coin, etherium, dash, bit coin cache, etc., and the number of exchanges is gradually increasing, and exchanges trading with them are also increasing. Furthermore, the number of stores that can pay for virtual currency is increasing.

However, the number of companies that still accept virtual money based on block chain technology as a settleable currency is very scarce, and the virtual currency has a problem of emphasizing the speculative function rather than the function of the money itself. Accordingly, even if a person possesses a large amount of virtual money, if the available assets become insufficient, a situation where the virtual money is sold eventually occurs. On the other hand, Patent No. 10-2017-0095451 (Method and system for overseas remittance using virtual currency) is related to the patent related to the virtual currency transaction.

An object of the present invention is to support a user who has a virtual currency to operate an asset with cash without selling virtual money.

In the present invention, when cash value of a virtual currency is lowered to a predetermined value or less, the counterparty automatically performs a counter-trade so that the damage caused by the fall of the virtual currency value is provided to both the creditor and the debtor. The goal is to minimize.

An object of the present invention is to provide a method of operating a virtual money which does not cause a burden due to a fluctuation of a market price on a side of a company that receives a settlement payment through a method of transferring cash to a user with a virtual money as a security.

A virtual money cash compatibility server according to an embodiment of the present invention includes a storage unit for storing information required to calculate user account information and a lendable amount per user with virtual money as collateral, And a control unit for calculating a possible value of the virtual money based on the virtual money information, wherein the control unit extracts the virtual money information held by the user using the user account information and evaluates the value of the virtual money based on the virtual money information A loan amount calculating unit for calculating a loan amount and a reserve amount based on the value of the virtual currency evaluated by the evaluation unit and providing the reserve amount at a predetermined ratio; A counterparty processing unit for controlling the virtual currency to be sold when the excess is exceeded, and a loan And a loan management unit for managing the deposit, the loan repayment, and the interest repayment history.

Various embodiments of the present invention rent cash so that the user can operate the funds without selling the virtual money possessed by the user, so that the user having the virtual money can use the cash more conveniently.

In addition, according to various embodiments of the present invention, a user who holds a virtual money can borrow cash using a virtual money as a security, and can remit the money abroad, so that the user can use the remittance without using an illegal route .

In addition, in the various embodiments of the present invention, when the virtual money is secured by setting the secured money, the virtual money is set to be sold according to the price change of the secured virtual money, so that the user who has made the loan and the server has minimized the damage .

1 is a diagram illustrating a signal processing system in a cash compatible system of virtual money according to an embodiment of the present invention.
FIG. 2 is a diagram illustrating a cash compatible operation of a virtual currency performed in a cash compatible system of a virtual currency according to an embodiment of the present invention.
3 is a block diagram illustrating a configuration of a cash compatible server of a virtual currency according to an embodiment of the present invention.
FIG. 4 is a flowchart illustrating a procedure for making a loan in a virtual money cash compatibility system according to an embodiment of the present invention.
FIG. 5 is a flowchart illustrating a procedure of a lending process performed in a cash-compatible server of a virtual currency according to an embodiment of the present invention.
6 is a view for explaining an investor matching operation according to an embodiment of the present invention.

While the invention is susceptible to various modifications and alternative forms, specific embodiments thereof are shown by way of example in the drawings and will herein be described in detail.

It should be understood, however, that the invention is not intended to be limited to the particular embodiments, but includes all modifications, equivalents, and alternatives falling within the spirit and scope of the invention. Like reference numerals are used for like elements in describing each drawing.

It is to be understood that when an element is referred to as being "connected" or "connected" to another element, it may be directly connected or connected to the other element, . On the other hand, when an element is referred to as being "directly connected" or "directly connected" to another element, it should be understood that there are no other elements in between.

The terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the invention. The singular expressions include plural expressions unless the context clearly dictates otherwise. In the present application, the terms "comprises" or "having" and the like are used to specify that there is a feature, a number, a step, an operation, an element, a component or a combination thereof described in the specification, But do not preclude the presence or addition of one or more other features, integers, steps, operations, elements, components, or combinations thereof.

Also, in this specification, a device may be a general device (or object) connected to a gateway and applied to the Internet of Things (IoT). For example, the device may be a wireless pager, a smart phone, a tablet PC, a computer, a temperature sensor, a humidity sensor, a sound sensor, a motion sensor, a proximity sensor, a gas sensor, a heat sensor, a refrigerator, , A lamp, a fire alarm, and the like. However, it is not limited thereto.

Also, devices herein may be interchanged with "devices" or "devices", and "devices", "devices" and "devices" may be described in the same language.

Also, in this specification, a service may include various services that can be performed in a device. A service may include a service based on communication with a server or other device, and a service operable in the device. It is desirable that the service applied to the present disclosure be understood in broad terms to include various services that can be performed in the device in addition to the services described by way of example in this disclosure.

Also, in the present specification, virtual money should be understood to mean cryptography used in an electronic form in a network-connected space using a block chain method. Accordingly, it should be noted that the virtual money described in this specification does not mean game money or the like used in a specific web site.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. Hereinafter, the same reference numerals will be used for the same constituent elements in the drawings, and redundant explanations for the same constituent elements will be omitted.

1 is a diagram illustrating a signal processing system in a cash compatible system of virtual money according to an embodiment of the present invention.

Referring to FIG. 1, a cash compatible system for a virtual currency according to an embodiment of the present invention may include a user electronic device 100, a cash compatibility support server 110, a virtual money exchange server 120, and a financial institution server 130.

First, a user who uses the user electronic device 100 can directly access the virtual money exchange server 120, and can individually check the amount information, change rate, etc. of the virtual money he holds. The cash incentive support server 110 according to the embodiment of the present invention can receive a loan request from the user electronic device 100 with a virtual money as collateral, and the server 110 correspondingly stores user information for inquiring the user's virtual money amount Can be requested. The user information requested at this time is not the information stored in the cash incentive support server 110 side and can help the user to access the virtual money exchange server 120 under the user's right by using the encrypted user information at the cash incentive assisting server 110 side . Accordingly, the user electronic device 100 can access the virtual money exchange used by the user on the web page and the application operated by the cash compatibility support server 110, and can inquire the virtual money information held in the virtual money exchange.

The virtual currency exchange server 120 can confirm the request signal for inquiring the virtual currency information requested by the cash compatibility support server 110 side. The virtual currency exchange server 120 can provide the inquired information after confirming the reliability of the cash compatibility support server 110 which transmitted the inquiry request signal and the login information of the user to inquire. At this time, the cash compatibility support server 110 and the virtual money exchange server 120 may be connected to each other, and the virtual money exchange server 120 may vary according to the exchange type.

The cash compatibility support server 110 may provide the information provided by the virtual money exchange server 120 to the user electronic device 100 again and the cash compatibility support server 110 may provide information corresponding to the information provided from the virtual money exchange server 120 It is possible to calculate the amount information that can be rented to the user at the maximum.

The cash compatibility support server 110 receives a request for a loan from the user electronic device 100 and deposits the loan in the account of the user in the course of performing the payment. The payment is performed by the financial institution server 130 . That is, the cash compatibility support server 110 requests the financial institution server 130 to deposit the money in the user's own account, and the financial institution server 130 can perform the request. The user can then confirm that the loan has been transferred to his account through the user electronic device 100 and other methods.

FIG. 2 is a diagram illustrating a cash compatible operation of a virtual currency performed in a cash compatible system of a virtual currency according to an embodiment of the present invention.

First, a cash compatible system of virtual money can be performed through the virtual money exchange server 120, the cash compatibility support server 110, and the financial institution server 130.

FIG. 2 is a graphical representation of the subsequent loan process, assuming that the user has confirmed the loanable amount. The user accesses the cash incentive support server 110 using the user electronic device, and then the user can secure a certain amount of the virtual money possessed by the user through the server 110 and receive the desired cash. At this time, the user can set up the virtual money amount as much as the amount of the security setting required to receive the desired amount of money by using the account information of the user. The virtual currency exchange server 120 can transfer the virtual currency in the user account to the cash compatibility support server side account (virtual account of the user name set in the cash compatibility support server) by a user request accessed through the cash compatibility support server 110 .

At this time, in response to the virtual money transfer request received from the cash compatibility support server 110, the virtual money exchange server 120 issues a virtual account of the corresponding user name having the selling authority on the cash compatibility server side, You can transfer to your account. The cash compatibility support server may generate a virtual account for each user for each exchange and instruct the virtual money to be transferred to the virtual account. In other words, when a user wants to make a loan, he / she can transfer the information to the virtual account of his / her own name in setting up the security with the virtual currency possessed by the user, so that information such as the price, type, and quantity of the virtual currency held by the user can be inquired. However, during the security setting period, the arbitrary sale of the user may be set to be restricted on the cash compatibility support server side.

When it is confirmed that the virtual money has been transferred to the virtual account allocated to the user who has applied for the loan, the cash compatibility support server 110 sets up the corresponding virtual money transferred and transfers the loan amount to the user account using the financial institution server 130 Can be requested. Accordingly, the financial institution server 130 performs the operation of transferring the cash existing in the account of the cash compatibility support server to the user account in response to the request of the cash compatibility support server 110 side.

Although the operation of the cash settlement support server 110 and the operation of setting up a mortgage, setting of a loan, and the like have been briefly described, the contents will be described in detail with reference to FIG. 3 to FIG.

3 is a block diagram illustrating a configuration of a cash compatible server of a virtual currency according to an embodiment of the present invention.

First, the server 110 refers to an object capable of transmitting and receiving data with at least one other device through a wired or wireless communication environment. According to various embodiments, the server 110 may further include a relay server and / or a client server .

An example of the server 110 is a cloud server, an IP Multimedia Subsystem (IMS) server, a telephony application server, an IM (Instant Messaging) server, a Media Gateway Control Function (MGCF) server, ) Server, and a CSCF (Call Session Control Function) server. The server 110 is an apparatus that refers to an object capable of transmitting and receiving data, such as a PC (Personal Computer), a notebook computer, and a tablet PC .

The server 110 may include a communication unit 310, a storage unit 320, and a control unit 330. The storage unit 320 may store virtual currency exchange information 321, account information 322, virtual currency information 323, and reserve information 324 . The control unit 330 may include a value evaluating unit 331, a loan amount calculating unit 332, an opposing sale processing unit 333, a loan managing unit 334, and a direct payment processing unit 335.

The communication unit 310 can use a network for data exchange between the user electronic device 100 and the server 110, and the type of the network is not particularly limited. The network may be, for example, an IP (Internet Protocol) network that provides a large capacity data transmission / reception service through an Internet Protocol (IP) or an All IP network that integrates different IP networks. The network may be a mobile communication network including a wired network, a Wibro (Wireless Broadband) network, a mobile communication network including a WCDMA, a High Speed Downlink Packet Access (HSDPA) network and an LTE (Long Term Evolution) network, ), A 5G (Five Generation) mobile communication network, a satellite communication network, and a Wi-Fi network, or a combination of at least one of them.

The communication unit 310 according to the embodiment of the present invention can support a communication function with the user electronic device 100 and other servers (e.g., the financial institution server 130 and the virtual money exchange server 120). For example, the communication unit 310 may transmit user account information to the virtual money exchange server 120 and a signal related to the virtual money inquiry request held in the user account. Also, the communication unit 310 can receive, from the associated virtual currency exchange server 120, a signal related to whether the virtual currency is transferred to the account of the cash compatibility support server and the transfer amount information in the user account wishing to make a loan. In addition, the communication unit 310 can communicate signals required to perform various operations according to the embodiment of the present invention to other electronic devices and other servers.

The storage unit 320 may be a memory such as a volatile memory (e.g., a dynamic random access memory (DRAM), a static random access memory (SRAM), or a synchronous dynamic random access memory (SDRAM), a nonvolatile memory such as an OTPROM such as one-time programmable ROM, programmable ROM, erasable and programmable ROM, electrically erasable and programmable ROM, mask ROM, flash ROM, flash memory such as NAND flash or NOR flash, A drive, or a solid state drive (SSD).

The storage unit 320 according to an embodiment of the present invention may store virtual currency exchange information. The virtual currency exchange information may include information on an exchange associated with a cash compatibility support server among a plurality of exchanges trading a virtual currency. In addition, the virtual currency exchange information may include information on exchanges selected as major exchanges on the basis of transaction volume and the like. Since information such as the type of the virtual currency registered for each exchange is different, information on the registered virtual currency by the exchange can be included in the virtual currency exchange information. The virtual currency exchange information may include virtual currency price information for each virtual currency exchange.

The storage unit 320 may also store the account information 322. The account information 322 may include a user ID and a password for accessing web pages and applications provided by the cash compatibility support server 110 side. The account information 322 may include personal information for each user ID, account information, home virtual currency exchange information, loan history, direct settlement history information, and the like. In addition, the account information 322 may include a user's exchange login account information required to view a virtual currency held by a user, transfer the virtual currency, and set up a security.

Also, the storage unit 320 may include virtual currency information 323. The virtual currency information 323 may include a type of virtual currency, a transaction registration period for each virtual currency, a transaction amount for a certain period, a period during a certain period, a variation rate for a certain period, and the like. The type of the virtual money may be, for example, bit coin, bit coin cache, etherium, or the like.

Assuming a variety of situations, the types of virtual money are so diverse that the virtual money that the user wants to secure is not registered in the major exchanges, and although they are traded on some exchanges, . In this case, the operator of the cash compatibility support server 110 may not be able to recognize the value of the virtual currency as a collateral, apart from the fact that the virtual currency held by the user is recognized as a virtual currency actually used and traded on the exchange. Therefore, the cash compatibility support server 110 can set the security reference and the loan reference based on various other information besides the price information of the virtual money at the time of the loan. For example, on the side of the cash compatibility support server 110, in the case of the newly created virtual currency within a predetermined period (for example, within one month), it is insufficient to secure data on the fluctuation rate and the transaction amount during the predetermined period, Can be specified in currency.

The storage unit 320 may store the backup information 324. When a loan is requested by a loan applicant, the reserve corresponds to the remaining amount of the value of the secured virtual currency minus the loan amount. When the virtual money is collated, the information on the reserve may be managed separately. The reserve information 324 can be managed separately for each lender. However, according to various embodiments, the reserve information 324 may be managed by summing up not only the loan amount per loan but also the loan amount of each borrower by groups set to at least two or more. The reserve information 324 may be required to calculate a price point of a virtual currency to be subsequently counterclaimed.

The control unit 330 according to the embodiment of the present invention may include a value evaluating unit 331, a loan amount calculating unit 332, an opposing sale processing unit 333, a loan managing unit 334, and a direct settlement processing unit 335.

The value evaluating unit 331 may perform a function of evaluating the value of the virtual money to be collateralized. More specifically, the value evaluating unit 331 can determine information on the presence or absence of novelty of a virtual currency, the transaction amount of a virtual currency, and the price of a virtual currency based on the virtual currency information 323. At this time, the value evaluating unit 331 can perform more accurate value evaluation by receiving not only the virtual currency information 323 stored in the pre-storing unit, but also the information (virtual currency price information) provided from the associated virtual money exchange. The virtual currency information 323 previously stored in the storage unit 320 may also be information stored based on the information provided from the associated virtual currency exchange, but there may be a difference in the update period or the like. For example, in the case of the information pre-stored in the storage unit 320, the cycle updated from the virtual money market and other servers may be set to one week. Accordingly, when the value evaluating unit 331 utilizes information that does not have a property that can be changed in real time (for example, creation date of a specific virtual money, etc.), the value evaluating unit 331 uses the previously stored virtual currency information 323, Etc., it is possible to immediately request information from the exchange server side.

The value evaluating unit 331 can evaluate the value of each virtual currency on the basis of the information pre-stored in the storage unit 320 and information related to the virtual currency provided from the other server. At this time, the value evaluating unit 331 can evaluate the value of the virtual currency using the first and second evaluation criteria. The first evaluation criterion may be a criterion including a price of a virtual currency, and the second criterion may be a criterion including at least one of the factors other than the price of the virtual currency. The elements included in the second evaluation criterion can be, for example, whether the virtual currency is listed on a major exchange, whether it is newly listed, a fluctuation rate within a predetermined period, a transaction amount within a predetermined period, and the like. And evaluating the value with the second evaluation criterion may mean that the evaluation is based on at least one of the listed factors.

The value evaluating unit 331 can evaluate the value of the virtual currency based on only the first evaluation standard, but may evaluate the value of the virtual currency using both the first evaluation standard and the second evaluation standard according to a specific condition. The value evaluating unit 331 can calculate and manage all of the evaluation amount using the first evaluation standard and the evaluation amount utilizing both the first evaluation standard and the second evaluation standard. The value of the virtual currency evaluated by the value evaluating unit 331 is calculated based on the first evaluation amount (e.g., calculated by one evaluation standard), the second evaluation amount (e.g., the first evaluation standard and the second evaluation standard ). ≪ / RTI > The evaluation value calculated by each evaluation criterion can be used in accordance with the conditions for calculating the loan amount later.

The loan amount calculation unit 332 can calculate the maximum loan amount based on the value of the virtual money held by the user wishing to borrow according to the embodiment of the present invention. At this time, when the user of the loan amount calculation unit 332 inquires the virtual money amount held by the user in the account of the exchange using the virtual money exchange account, information such as the kind of the inquired virtual money is collected, and the value evaluation unit 331 It is possible to calculate the maximum loan amount possible based on the estimated value of each virtual currency calculated based on the amount of money.

For example, when it is assumed that the type of the virtual currency held by the user who wishes to make a loan is bit coin, and the user holds a 1-bit coin, the loan amount calculation unit 332 calculates the amount of money The maximum amount of money can be calculated based on the amount information evaluated by the value evaluation unit 331 and the amount information. For example, the first evaluation amount of the bit coin evaluated by the value evaluating unit 331 is 11,000,000, and the second evaluation amount is the change rate during a predetermined period (for example, two weeks) Assuming it is estimated to be 10,000,000, based on the inclusion criteria. The loan amount calculation unit 332 may select a specific evaluation amount among the first evaluation amount and the second evaluation amount based on the specific condition, and calculate the loan amount based on the selected evaluation amount.

In short, the loan amount calculation unit sets the first method loan applying the first evaluation criterion, the second method loan applying both the first evaluation criterion and the second evaluation criterion, and the first method loan and the second method loan May be determined based on the amount of the loan and the term of the loan. For example, the loan amount calculation unit may determine to perform the second method loan when the loan amount and the loan period exceed a certain standard.

The loan amount calculation unit 332 can calculate the loan amount and the reserve amount so that the loan amount and the reserve amount can be set at a predetermined ratio. For example, the loan amount calculation unit 332 may calculate 80% of the value of virtual money worth 8 million won, 8 million won as the maximum loan amount, 20% as the reserve amount of 2 million won, and provide the calculated amount information to the borrower. The ratio of the loan amount and the reserve amount calculated by the loan amount calculation unit 332 may vary according to the criterion of the operator operating the server 110. In addition, the loan amount and the reserve ratio can be changed according to a separate criterion (for example, by loan type, loan amount, loan term, and type of virtualization).

The counterparty sale processing unit 333 may process the countertrade on the basis of the amount of depreciation of the virtual currency set as the reserve money and the collateral after the lending is performed. More specifically, the counterparty sale processing unit 333 may set the price of the virtual currency in which the amount of decrease in the value of the total virtual money secured during the loan payment repayment period becomes the same as the reserve money, as a price for performing the reverse trading. However, the present invention is not limited to this, and the counterparty sale processing unit 333 can be set within a range that does not exceed the reserve even if the value of the total virtual money collapsed is not equal to the reserve. That is, when setting the countervailing reference price, which is the price of the virtual currency for processing the countertransaction, the countertop transaction processor 333 can apply the following principle.

{Total value of collateralized virtual currency - total reserve) / (number of units of collateralized virtual currency)} ≤

For example, if the total amount of the virtual money is 2 units, the value is 2.4 million Yuan, and the reserve is 400 thousand Yuan, then the countervailing price at this time is 1 million Yuan (240-40 / 2 = 100 can be derived). Also, according to various embodiments, the counterparty sale processing unit 333 may derive a range of a price range for setting the counterparty reference price, and provide the user with a range of prices to provide the user with a direct selection. For example, the counterparty sale processing unit 333 may set the price at which the amount of decline in the value of the secured virtual money becomes equal to the reserve value as the minimum value of the counterparty reference price, and set the price obtained by multiplying the minimum value by a certain rate as the maximum counter value . Specifically, for example, the counterparty sale processing unit 333 may set the minimum value of the opposing sale reference price to 1 million won, and set the maximum value of the counterfeit reference price of 103,000 won, which is 103% of the original one million won. The ratio of deriving the maximum value may be set to be changed depending on the loan history, credit rating, etc. of the loan applicant.

Also, the counter-transaction processing unit 333 may attempt to set the price of counter-selling at a lower price if the user wishes to expect the long-term growth of the virtual currency even if the risk is reduced. In this case, the counterparty sale processing unit 333 sets the counterparty selling price to a price range in which the value of the hypothetical virtual money falls in excess of the reserve, but may apply a different penalty. For example, in the case of a borrower who sets an opponent's selling price at a lower price than the benchmark counterparty reference price, the counterparty-selling processor 333 may set the borrowing rate to a certain percentage higher than that of a general lender. Alternatively, the counterparty sale processing unit 333 may settle the loss generated due to the decline in the value of the virtual money at the time of completion of the repayment of the loan of the borrower.

Also, the counterpart transaction processing unit 333 may include a group management unit (not shown). The group management unit may set at least one user having a different type of virtual money secured by the loan period and the loan belonging to the same category in accordance with the group request of the user. In addition, the group management unit jointly manages the amount of the collateralized virtual money of each user belonging to the same group and the reserve amount set at the time of the loan, and the price of the virtual currency at the point where the group common decline exceeds the group common reserve, The base price can be set. The group setting can be set by a user who desires to make a loan so that the reverse trading is not performed even if the value of his / her virtual money temporarily falls. Therefore, when the users are matched to each other for group setting, the group management unit determines that the amount of the reserve money and the amount of the loan is the same category (for example, the same 10 million won is selected in the loaner group) Match the ether holder with the bit coin cache holder).

The loan management unit 334 can process the whole loan process. When the user requests the amount within the loanable amount, the loan management unit can confirm the amount to be secured at a minimum according to the result evaluated and processed by the value evaluation unit 331 and the loan amount calculation unit 332. That is, if the user's virtual currency is 100 million, but the amount to be borrowed is 10 million won, there is no need to secure 100 million. Therefore, the loan management unit 334 can check the loan request amount of the user, and control the minimum evaluation amount by the value evaluation unit and the loan amount calculation unit. Then, the loan management unit 334 can confirm whether or not the virtual money corresponding to the secured amount corresponding to the desired loan is transferred to the user virtual account presented by the cash compatibility support server 110 side. When the transfer is confirmed, the loan management unit 334 can set the loan amount and the reserve amount, respectively, and form the data. And the established reserve may be managed as reserve information for each account in the reserve information 324. [ Thereafter, the loan management unit 334 can instruct the cash corresponding to the loan to be deposited into the account of the user through the financial institution.

The loan management unit 334 can also manage the loan repayment and the interest repayment. Also, the loan management unit 334 can control the user electronic device 100 to send a reminder message when the loan and interest payment are not properly performed.

The direct settlement processing unit 335 can mediate the settlement of the amount of money the user pays through the card or the like freely within the virtual currency limit secured by the user by using the virtual currency. The direct settlement processor 335 can confirm the amount of money the user makes with the card within the limit set by the secured user and support the user to settle in cash, and can also make the virtual currency equivalent to the amount of money to be paid in the user account . Generally, virtual money often fluctuates very quickly, so the price at the point when the user makes a purchase and the time when the payment is made may be different. Therefore, the direct settlement processing unit 335 may additionally require a reserve to prepare for the fluctuation of the virtual currency price at the time of settlement. The direct settlement processing unit 335 can set the corresponding amount as a reserve amount when a price change occurs during the user's in-store settlement and the virtual currency transfer time and a profit is generated. Conversely, the direct settlement processor 335 can control so that, when a damage is caused due to a price change occurring between the time when the user makes a settlement in the store and the time of the virtual money transfer, the direct settlement processor 335 can cover the loss with the reserve money.

In other words, the direct settlement processing unit 335 can process the price change according to the payment time of the paid cash and the virtual money collected from the user as a reserve accumulated by the city profit generated by the difference in settlement time.

In this way, the store is paid with the cash already paid through the user, so that the anxiety about the damage due to the change of the virtual currency price can be alleviated. The user can also reduce the inconvenience of confirming the store where the virtual currency transaction can be made to settle the virtual money directly on the store side.

In addition, when the security for the loan is set, the control unit 330 receives the amount of the virtual money that can be sold and the selling amount during the loan period according to the user's request, and when the virtual money price reaches the received selling amount during the rental period, It is possible to perform a function of selling virtual money as much as a quantity and holding it in cash.

FIG. 4 is a flowchart illustrating a procedure for making a loan in a virtual money cash compatibility system according to an embodiment of the present invention.

The virtual money cash compatibility system according to an embodiment of the present invention may include the user side electronic device 100, the cash compatibility support server 110, and the virtual money exchange server 120.

First, the user 100 may perform an operation 401 for requesting a loanable amount inquiry to the cash compatibility support server 110. The cash compatibility support server 110 may perform an operation 403 for requesting a virtual money exchange server 120 to inquire a user's virtual money. In response, the virtual money exchange server 120 may perform the operation 405 of providing the user's virtual money information to the cash compatibility support server 110 side.

The cash compatibility support server 110 may perform an operation 407 for calculating a lendable amount. The cash compatibility support server 110 may perform the operation 409 of providing the loanable amount information to the user electronic device 100 side.

The user can perform the operation 411 of requesting the cash-compatibility server 100 side to apply for a loan through the user electronic device 100. [ At this time, it is assumed that the loan application amount is less than the maximum loanable amount calculated based on the value of the virtual currency held by the user. The cash flow compatibility support server 110 may perform an operation 413 for requesting a virtual money transfer in response to a user's request for a loan. The virtual currency transfer may be performed using the user's exchange account information.

The virtual money exchange server 120 may perform an operation 415 for performing a virtual money transfer. At this time, the virtual currency can be transferred from the user's account to the virtual account of the user name of the cash compatibility support server side.

Then, the virtual money exchange server 120 can perform the operation 417 of transmitting the information of the virtual money to the cash compatibility support server 110 side. Accordingly, the cash compatibility support server 110 may perform the operation 419 of paying out the loan to the user account. The cash compatibility support server 110 may perform an operation 421 for transferring the loan payment information on the payment amount, the payment amount, the interest rate, the repayment period, etc. to the user electronic device 100 side.

The cash compatibility support server 110 can set the security setting and the reserve in the step of setting the loan and performing the loan payment. Therefore, you can set the price of the opposing sale together. Since this has been described above, a detailed description will be omitted.

The cash compatibility support server 110 can access the virtual money exchange server 120 from time to time to check the price change of the secured virtual money. At this time, since the price information of the virtual currency can be changed according to the virtual currency exchange, the user can inquire the price of the secured virtual money on the basis of the exchange where the virtual money is transferred. When the cash compatibility support server 110 performs an operation 423 of inquiring a virtual money value to the virtual money exchange server 120, the virtual money exchange server 120 may perform the operation 425 of providing the virtual money value information.

The cash compatibility support server 110 may perform an operation 427 to determine whether the decline in the value of the collateralized virtual currency exceeds a threshold value. In other words, the operation 427 may be an operation of determining whether the price of the collateralized virtual currency has fallen by the reverse reference price.

If the virtual currency value decline exceeds the reference value as a result of the operation 427, the cash compatibility support server 110 may perform the operation 429 of requesting the virtual money exchange server 120 to sell the secured virtual currency. In response, the virtual money exchange server 120 may perform the operation 431 of performing the sale of the secured virtual money.

The cash compatibility support server 110 will not perform reverse trading during the loan redemption period unless the value depreciation of the virtual currency exceeds the reference value.

FIG. 5 is a flowchart illustrating a procedure of a lending process performed in a cash-compatible server of a virtual currency according to an embodiment of the present invention.

The controller 330 of the cash compatibility support server 110 may perform an operation 501 to receive a loanable amount inquiry request from the user. Accordingly, the controller 330 can perform an operation 505 for inquiring the user's virtual money amount. The user's virtual money reserve amount can be confirmed by accessing the exchange where the user has traded the virtual money. For this, the control unit 330 can support the user to access the virtual money exchange and inquire the amount of virtual money in the account using the account information of the user.

Then, the controller 330 may perform the operation 511 of calculating the lendable amount of the user. The control unit 330 can evaluate the value of the virtual money held by the user as the evaluation reference including various factors when calculating the lendable amount of the user. The control unit 330 may set the remaining amount of the virtual currency value excluding the amount of the virtual money to be classified as a reserveable amount as a loanable amount.

Then, the controller 330 may perform an operation 515 of determining whether the user has received a loan request within a loanable amount limit. If the loan requested by the user exceeds the loanable amount allocated to the user, the controller 330 may perform the operation 521 of requesting the user electronic device 100 to reset the loan request amount.

Meanwhile, when the control unit 330 confirms receipt of the loan request within the allowable loan amount from the user, the control unit 330 may perform the operation 525 of notifying the user of the electronic device 100 of the virtual money security amount and the interest rate. Accordingly, an operation such as a virtual money transfer for setting up a virtual money security can be performed from the user electronic device 100, and the controller 330 can perform the operation 531 of setting the user virtual money as a security.

Then, the controller 330 can perform the operation 535 for transferring the loan to the user account.

6 is a view for explaining an investor matching operation according to an embodiment of the present invention.

According to various embodiments, the loan management unit 334 in the control unit 330 may include an investor matching unit 631, a first fee processing unit 632, a second fee processing unit 633, and an investment processing unit 634.

The loan management unit 334 may perform an operation of matching another virtual currency transaction user who will invest cash to the user who has a virtual currency but does not want to sell and needs cash. The loan management unit 334 does not sell the virtual currency for which the user who holds the virtual money needs to expect the growth of the small amount of cash immediately due to the increase in the value of the virtual money, It can serve as an intermediary for providing virtual currency or cash.

For example, if a second user shown in FIG. 6 holds a 1.5-bit coin and wants to borrow 500,000 won in cash without selling the bit coin, the second user can request investor matching to the investor matching unit 631 have. The investor matching unit 631 may extract a first user having an amount of money greater than or equal to the investment amount requested by the second user in the cash area, and may select the first user as a candidate to be matched to the second user.

Then, the investor matching unit 631 may determine whether the matching is performed by confirming the intention of the first user and the second user. When the first user and the second user are matched, the investment processing unit 634 can control the transfer of the investment amount (for example, 5 million won) held in the cash area 612 of the first user who is the investor to the cash area 622 of the second user . In this case, the virtual money regions 611 and 621 of the first user and the second user refer to virtual money held in the virtual money exchange account of the user, and the cash regions 612 and 622 denote cash held in the user's virtual money exchange account Korean won). Or the cash area 612, 622 may refer to the cash held in the bank account of the user registered with the virtual money cash compatibility server 110.

The 5 million won transferred from the cash area 612 of the first user to the cash area 622 of the second user corresponds to the loan requested by the second user and may be an amount within a range set as an amount that can be invested by the first user . That is, even if the first user sets the range available for the investment to be less than or equal to 5 million won, the investment processing unit 634 can allocate only 1 million won to the user when the second user requests the loan of 1 million won.

When the cash is transferred to the second user side, the first fee processor 632 and the second fee processor 633 check the cash transfer time and measure the fluctuation of the price of the virtual money of the second user based on the point of time.

On the basis of the time point at which the second user received the cash, the loan manager 334 determines the degree to which the value of the virtual money in the virtual money area 621 of the second user has risen, To the area 611 in the form of virtual money, or to the cash area 610 by cash. At this time, the first fee processor 632 transmits the virtual money amount of the second user (for example, 0.013 bit coin, the virtual money amount corresponding to 150,000 won, which is 50% of the increased value of 300,000 won) to the virtual currency area 611 . In this way, the virtual currency that the second user has already owned and the price has risen after a predetermined time (for example, one month) and a certain rate or more (for example, 5% (E.g., 50,000 to 300,000 won) in a predetermined ratio (e.g., 50%).

Then, the second fee processor 633 can transfer the virtual money provided by the second user to the cash area 612 of the first user. At this time, the virtual money (for example, 0.013 bit coin) ).

6, the second user can operate the cash without selling the virtual money, which is expected to grow, and even if the first user does not directly invest in the virtual money, You can expect to earn money by transferring the money to other users. In addition, the first user can directly receive the virtual money whose price has been increased from the second user, so that the indirect virtual money (e.g., bit coin) You will be able to receive it together.

Although the present invention has been described in detail with reference to the above examples, those skilled in the art will be able to make adaptations, changes and modifications to these examples without departing from the scope of the present invention. In other words, in order to achieve the intended effect of the present invention, all the functional blocks shown in the drawings are separately included or all the steps shown in the drawings are not necessarily followed in the order shown, It can be in the range.

100: User electronic device
110: Cash Compatible Support Server
120: Virtual Currency Exchange Server
310:
320:
330:
331: Valuation section
332; The loan amount calculation unit
333: Opposition Trading Department
334:
335: Direct settlement processor

Claims (10)

A storage unit for storing user account information and information required to calculate a lendable amount for each user with virtual money as collateral; And
And a control unit for calculating a loan availability and a loanable amount based on the virtual currency information held by the user,
The control unit
The method of claim 1, further comprising: extracting virtual currency information held by a user using the user account information; evaluating a value of the virtual currency based on the virtual currency information; A value evaluating unit for evaluating the value of the corresponding virtual currency based on a second evaluation criterion including whether or not the money is listed on a major exchange, a new listing status, a rate of change within a predetermined period, and a transaction amount within a predetermined period;
The method according to any one of claims 1 to 3, further comprising: calculating a loanable amount and a reserve amount based on the value of the virtual currency evaluated by the value evaluation unit at a predetermined ratio, Setting a second method loan to apply all of the criteria, and setting the first method loan and the second method loan based on the amount of the loan and the loan period;
A counterpart transaction processor for controlling the virtual currency to be sold when the price drop of the secured virtual money exceeds the reference value after the loan is made; And
And a loan management unit for managing the loan deposit, the loan repayment, and the interest reimbursement history,
The reverse sales processing unit
The user sets a loan period and a loan as a group by matching at least one user who belongs to the same category and has different types of secured virtual money, and for the users belonging to the same group, And a group management unit for jointly managing the reserve money set at the time of the loan and setting a group countervailing price at a virtual currency price at a point where the group common decline exceeds the group common reserve,
The loan management unit
An investor matching unit for making a second user requesting an investment to match a first user who can invest as much as the requested investment amount and deal with another kind of virtual money;
An investment processing unit for transferring to the second user an amount equivalent to a request amount of the second user among the investment possible amount possessed by the first user;
When the price of the virtual money held by the second user increases to generate a profit based on the time point at which the investment amount is transferred by the investment processing unit, the virtual money corresponding to a certain percentage of the profit is distributed to the first A first fee processing unit for transferring the fee to the user; And
And a second fee processor for cashing the virtual money corresponding to a certain percentage of the revenue and transferring the virtual money to the first user when the price of the virtual money held by the second user is increased and profit is generated, Money Cash Compatible Server.
delete delete The method according to claim 1,
The loan amount calculation unit
A value corresponding to the sum of the loan amount and the reserve amount is provided as a collateral amount of the virtual money to be secured in order to loan the desired loan amount when the user inputs the desired loan amount, To the virtual cash cash compatibility server. The method according to claim 1,
The reverse sales processing unit
The price of the counter currency is set as the price of the counter currency, the price of the counter currency being the counter value of the counter currency, Is set at a virtual currency price of a point to be cleared. The method according to claim 1,
The control unit
When a mortgage for a loan is set, a quantity and a selling amount of a virtual money that can be sold during a loan period are inputted by a user request, and when the virtual money price reaches the selling amount inputted during the loan period, And sells the cash to the virtual currency cash-compatible server. The method according to claim 1,
The control unit
A user who has set up a virtual money collateral can pay a cash corresponding to a user's card settlement amount instead of a virtual money amount set by the user as collateral, The system further includes a direct payment processing unit for collecting virtual money as much as the amount of money and processing the price fluctuation according to the payment time of the virtual money collected from the user as the accumulated money accumulated by the timing profit generated by the difference in the settlement time The virtual currency cash-compatible server. delete The method according to claim 1,
The storage unit
Virtual currency exchange information, user account information, virtual currency information, and reserve information,
The virtual currency exchange information includes at least one of a type of a major virtual money exchange, a registered virtual money per virtual money exchange, and a virtual money price per virtual money exchange,
Wherein the virtual currency information includes at least one of a type of a virtual currency, an exchange registration period of each virtual currency, a transaction amount for a predetermined period, a price for a certain period, and a variation rate for a predetermined period. . The method of claim 1, further comprising: extracting virtual currency information held by the user using the user account information; evaluating a value of the virtual currency based on the virtual currency information, wherein the first evaluation criterion based on the price of the virtual currency at the time of the inquiry, A value evaluating unit for evaluating the value of the virtual currency based on a second evaluation standard including a listing of major exchanges, a new listing, a rate of change within a predetermined period, and a transaction amount within a predetermined period;
The method according to any one of claims 1 to 3, further comprising: calculating a loanable amount and a reserve amount based on the value of the virtual currency evaluated by the value evaluation unit at a predetermined ratio, Setting a second method loan to apply all of the criteria, and setting the first method loan and the second method loan based on the amount of the loan and the loan period;
A counterpart transaction processor for controlling the virtual currency to be sold when the price drop of the secured virtual money exceeds the reference value after the loan is made; And
And a loan management unit for managing the loan deposit, the loan repayment, and the interest reimbursement history,
The reverse sales processing unit
The user sets a loan period and a loan as a group by matching at least one user who belongs to the same category and has different types of secured virtual money, and for the users belonging to the same group, And a group management unit for jointly managing the reserve money set at the time of the loan and setting a group countervailing price at a virtual currency price at a point where the group common decline exceeds the group common reserve,
The loan management unit
An investor matching unit for making a second user requesting an investment to match a first user who can invest as much as the requested investment amount and deal with another kind of virtual money;
An investment processing unit for transferring to the second user an amount equivalent to a request amount of the second user among the investment possible amount possessed by the first user;
When the price of the virtual money held by the second user increases to generate a profit based on the time point at which the investment amount is transferred by the investment processing unit, the virtual money corresponding to a certain percentage of the profit is distributed to the first A first fee processing unit for transferring the fee to the user; And
And a second fee processor for cashing the virtual money corresponding to a certain percentage of the revenue and transferring the virtual money to the first user when the price of the virtual money held by the second user increases to generate a profit, Compatible servers; And
If the inquiry of the virtual money amount of the specific user is requested from the cash compatibility server, the account information of the user is checked and if the inquiry is made, the virtual money information of the user is provided and the virtual money transfer request received from the cash- And a virtual money exchange server for issuing a virtual account of a corresponding user name having a selling authority on the cash compatibility server side and transferring the virtual currency held by the user to the virtual account, Compatible system.

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