KR102072278B1 - Method for vertual currency secured loan financial technology service and apparatus thereof - Google Patents

Abstract

In the virtual currency security loan financial technology service method, the financial technology service apparatus may acquire transaction price information of each virtual currency and transaction volume information of the corresponding virtual currency for each exchange. Next, the financial technology service apparatus may calculate a trading share of each virtual currency that the corresponding exchange occupies in the entire trading market for each exchange based on the trading volume information. The financial technology service apparatus may differentially determine a security rate to be applied to transaction price information of a corresponding virtual currency at the time of collateral loan for each virtual currency corresponding to the market share.

Description

METHOD FOR VERTUAL CURRENCY SECURED LOAN FINANCIAL TECHNOLOGY SERVICE AND APPARATUS THEREOF

The present invention relates to a virtual currency security loan financial technology service method and apparatus thereof, and more particularly, to each exchange for a virtual currency such as bitcoin, which has a large price fluctuation depending on the supply and demand situation of the supplier and the consumer at the exchange. The present invention relates to a virtual money security loan financial technology service method and apparatus for executing a virtual money security loan by setting a security rate for the corresponding virtual money to be applied at the time of the security loan according to the market share or the handling transaction volume.

Peer-to-peer (P2P) loans are a new type of loan that many investors (creditors), not banks or private banks, collect and lend directly to individuals or businesses.

P2P loans are all online and can reduce recruitment and labor costs.Investors can earn higher profits than bank interest rates. The market is growing rapidly due to various advantages, such as possible.

Against the backdrop of the global financial crisis and internet-based technological innovation, the P2P lending market is showing rapid growth. In line with this, startups using various business models have attracted the attention of lenders and investors.

As such, P2P lending is more convenient than traditional financial transactions, offering lower interest rates to loan applicants, and offering relatively high returns to investors in low interest rates. It is becoming a trend.

On the other hand, although the origin of money is not exactly known, money has evolved from commodity money to metal money to fiat money. The popularity of the Internet has led to the emergence of electronic money and, in recent years, virtual currency.

According to the European Central Bank, cryptocurrencies are digital currencies that are used in virtual worlds such as online communities and managed by cryptocurrency issuers. Cryptocurrency is classified into closed, one-way and two-way currency depending on whether currency can be exchanged between fiat currency and virtual currency.

Cryptocurrency is free from issuance and circulation because it has less legal basis than electronic money and displays the value of money in separate units. And while electronic money is primarily exposed to operational risks, virtual currency can face various risks such as legal, credit, and operational risks.

The most active cryptocurrencies at the moment are Bitcoin and Linden Dollar. Bitcoin is a currency issued in 2009 based on public key-based cryptography developed by Nakamoto Satoshi, who is known as a Japanese. Bitcoin is a decentralized currency without an issuer that can be exchanged with fiat currencies in 16 countries and uses a peer-to-peer network.

In December 2017, the converted value reached USD 190 billion, and various services using Bitcoin such as Bitbill and Bitcoin ATM are appearing.

 Linden Dollar was issued in 2003 by Linden Lab for use in a virtual world called Second Life. In Second Life, users can use Linden Dollar to engage in social, cultural and economic activities as they do in the real world. By 2013, Second Life traded at $ 3.2 billion.

Cryptocurrencies grew from empirical currencies to payments for real goods and services. Recently, as cryptocurrency has been abused as money laundering, drug trading, and speculation, interest in cryptocurrency has increased. In order to solve the problems of cryptocurrencies and to strengthen the soundness and persistence of cryptocurrencies, a legal basis related to cryptocurrencies should be prepared. Institutional complementary measures should also be in place to increase the stability of cryptocurrency values. In addition, measures should be taken to prevent abuse of cryptocurrencies, and financial authorities in each country should establish a surveillance and supervision system so that they can function properly as a means of payment.

Through this process, virtual currency will be able to create new value in our society by being stable and smoothly used as an alternative payment method suitable for cyber space.

However, Bitcoin is a multi-tiered transaction. Bitcoin has no intrinsic value like gold or silver and can be valued by supply and demand. For example, before 2013, the value of Bitcoin was less than $ 20, but as interest in Bitcoin increased, it was once traded at $ 12,000 per bitcoin in December 2017. Bitcoin itself has no value, so if there is no demand for it, the value of Bitcoin is likely to plummet. If bitcoin's value falls or the trading system is closed, the damage to the real economy will be minimal.

Therefore, lenders adhere to a method of estimating value very low, that is, conservative. Eventually, the lender will have a very small amount of loan if he or she needs to secure the loan as collateral.

Therefore, when a virtual currency with high price volatility is collateralized in the P2P collateral lending process, a new method is required to calculate a reasonable value and to quickly cash the collateral when the collateral is required to be cashed.

In addition, in the case of P2P lending, new methods are needed to diversify and optimize investment information according to the level of investors so that investors can decide whether to invest in their investment products.

The problem to be solved by the present invention is to apply to mortgage lending based on the market share or handling volume of each exchange for virtual currency, such as bitcoin, which has a large price fluctuation depending on the supply and demand situation of suppliers and consumers at the exchange. The present invention provides a virtual money security loan financial technology service method and apparatus for executing a virtual money security loan by setting a security rate for the virtual money.

Tasks to be solved by the present invention are not limited to the above-mentioned problems, and other tasks not mentioned above may be clearly understood by those skilled in the art to which the embodiments proposed from the following description belong. will be.

In the virtual currency security loan financial technology service method according to an aspect of the present invention, the financial technology service apparatus may obtain transaction price information of each virtual currency and transaction volume information of the corresponding virtual currency for each exchange. Next, the financial technology service apparatus may calculate a trading share of each virtual currency that the corresponding exchange occupies in the entire trading market for each exchange based on the trading volume information. The financial technology service apparatus may differentially determine a security rate to be applied to transaction price information of a corresponding virtual currency at the time of collateral loan for each virtual currency corresponding to the market share.

According to another aspect of the present invention, in the virtual currency security loan financial technology service method, the financial technology service apparatus may obtain transaction price information of the corresponding virtual currency at each exchange and transaction volume information at the corresponding exchange for each virtual currency. . Next, the financial technology service apparatus may calculate a trading share of each virtual currency that the corresponding exchange occupies in the entire trading market for each exchange based on the trading volume information. The financial technology service apparatus may differentially determine a security rate to be applied to transaction price information of a corresponding virtual currency at the time of collateral loan for each virtual currency corresponding to the market share.

According to another aspect of the present invention, in the virtual money security loan financial technology service method, the financial technology service apparatus may receive the virtual money security loan application information from the first information terminal. The financial technology service apparatus applies the mortgage rate determined for each virtual currency to the exchange price information of the corresponding virtual currency according to the exchange share of each virtual currency that the exchange occupies in the entire trading market. The amount of mortgage available for the virtual currency security loan application information can be determined. Next, the financial technology service apparatus may open the investment product and perform investment attraction based on the virtual currency security loan application information received from the first information terminal through communication with the financial support server. Data for the financial technology service apparatus to receive an investment fund based on the investment application information received from the second information terminal, execute a security loan using virtual currency as collateral, and transfer the loan to the account specified in the virtual currency security loan application information. And electronic signal processing.

According to another aspect of the present invention, in the virtual money security loan financial technology service method, the financial technology service apparatus may receive the virtual money security loan application information from the first information terminal. The financial technology service apparatus applies the mortgage rate determined for each virtual currency to the exchange price information of the corresponding virtual currency according to the exchange share of each virtual currency that the exchange occupies in the entire trading market. The amount of mortgage available for the virtual currency security loan application information can be determined. Through the communication with the financial support server, the financial technology service apparatus may execute a mortgage loan using virtual currency as collateral to process data and electronic signals for remitting a loan to an account specified in the virtual currency mortgage loan application information. have. The financial technology service apparatus may open an investment product based on the virtual currency mortgage loan application information received from the first information terminal through communication with the financial support server, and perform investment attraction to receive the investment money.

According to another aspect of the present invention, in the virtual currency security loan financial technology service method, the financial technology service apparatus may further perform the interest payment and investment return payment process based on the security loan through communication with a financial support server.

Here, the virtual currency collateral loan application information may include loan conditions such as virtual currency type, exchange information, virtual currency quantity, loan period, loan interest rate and loan desired amount.

According to another aspect of the present invention, a financial technology service apparatus stores transaction price information, transaction volume information, share information, and mortgage rate information to be applied when collateralized for each virtual currency for a virtual currency collateral loan financial technology service. It may include a data storage unit and a processor. Here, the processor obtains the trading price information of each virtual currency and the trading volume information of the corresponding virtual currency for each exchange, and based on the trading volume information, the processor calculates the share of trading of each virtual currency occupied by the corresponding exchange in the entire trading market. The mortgage rate to be applied to the transaction price information of the virtual currency may be differentially determined when the mortgage is secured for each virtual currency according to the exchange share.

Financial technology service apparatus according to another aspect of the present invention is a virtual currency collateral loan financial technology services for each virtual currency exchange price information, volume information, share information, collateral to be applied when collateral loan It may include a data storage unit for storing the rate information, and a processor. Here, the processor obtains the trading price information of the corresponding virtual currency and the trading volume information on the corresponding exchange for each virtual currency, and based on the trading volume information, each virtual share that the corresponding exchange occupies in the entire trading market. The market share of a currency can be calculated, and the mortgage rate to be applied to the transaction price information of the corresponding virtual currency can be determined differentially for each virtual currency for each exchange corresponding to the market share.

According to another aspect of the present invention, a financial technology service apparatus includes virtual currency security loan application information including virtual currency information and loan condition information provided as collateral received from a first information terminal for a virtual currency security loan financial technology service; It may include a data storage unit and a processor for storing mortgage rate information, investment product information, and investment application information to be applied when collateral loan of virtual currency. Here, the processor receives the virtual currency collateral loan application information from the first information terminal, the differential for each virtual currency for each exchange corresponding to the exchange share of each virtual currency that the exchange occupies in the entire trading market for each exchange The mortgage available for the virtual currency mortgage loan application information may be determined by applying the determined mortgage rate to the transaction price information of the virtual currency. Then, the processor opens the investment product and performs investment attraction, receives a deposit based on the investment application information received from the second information terminal through communication with the financial support server, and secures the virtual currency as collateral. Processing of data and electronic signals for executing the loan can be performed.

According to another aspect of the present invention, a financial technology service apparatus includes virtual currency security loan application information including virtual currency information and loan condition information provided as collateral received from a first information terminal for a virtual currency security loan financial technology service; It may include a data storage unit and a processor for storing mortgage rate information, investment product information, and investment application information to be applied when collateral loan of virtual currency. Here, the processor receives the virtual currency collateral loan application information from the first information terminal, the differential for each virtual currency for each exchange corresponding to the exchange share of each virtual currency that the exchange occupies in the entire trading market for each exchange The mortgage available for the virtual currency security loan application information may be determined by applying the determined mortgage rate to the transaction price information of the virtual currency. The processor then executes a mortgage loan using virtual currency as collateral, opens an investment product, performs investment attraction, and communicates with the financial support server based on the investment application information received from the second information terminal. Processing of the data and the electronic signal to receive the investment can be performed.

Here, the processor may additionally perform an interest payment and investment return payment process based on a mortgage through communication with a financial support server.

According to the present invention, a virtual currency, such as bitcoin, whose price fluctuates largely according to the supply and demand situation of a supplier and a consumer at an exchange, is applied to the corresponding virtual currency to be applied at the time of collateral lending according to the market share or handling volume of each exchange. By setting the mortgage rate, the rational mortgage value for the relevant bitcoin can be calculated and the virtual currency mortgage loan can be performed.

According to the present invention, for any virtual currency provided as collateral for a security loan, the corresponding exchange in which the virtual currency is received is loaned by a formula formulated according to the trading share and the volume of transactions in the entire trading market of the virtual currency. As mortgage rates apply, reasonable loans can occur.

According to the present invention, it becomes possible to provide liquidity through precise value analysis on virtual currency that has not been easily recognized as a value for collateral.

According to the present invention, by arranging a virtual currency mortgage loan, a peer-to-peer (P2P) loan and a crowdfunding through an internet-based technology, the loan applicant can borrow the virtual money held by him as collateral, Investors can enjoy the stability and convenience of trading and a relatively high yield.

According to the present invention it is possible to secure the stability for investors by applying virtual currency as collateral to individual products.

* According to the present invention, by providing an appropriate base price of collateral by the virtual currency investment advisory group, it is possible to induce higher liquidity than the existing financial institutions.

According to the present invention, since the loan interest rate is reasonably applied as determined by the standardized formula, it can ultimately contribute to the activation of the virtual currency trading market.

According to the present invention, a secure investment is possible by securing a collateral of virtual money by escaping the framework of credit used in the conventional loan method.

According to the present invention, in the era of P2P lending, virtual money investments and collateral loans using the P2P platform are possible by connecting virtual money investors and lenders with individual lenders (investors) by integrating virtual money and investment with Fintech. Was done.

1 is a view for explaining a virtual currency security loan financial technology service according to an embodiment of the present invention.
2 is a view for explaining a virtual currency security loan financial technology service according to another embodiment of the present invention.
3 is a diagram illustrating a virtual currency security loan financial technology service according to another embodiment of the present invention.
4 is a diagram illustrating a virtual currency security loan financial technology service according to another embodiment of the present invention.
5 is a diagram illustrating a virtual currency security loan financial technology service according to an embodiment of the present invention.
6 is a view for explaining a P2P virtual currency security loan financial technology service system according to an embodiment of the present invention.
7 is a diagram for describing a financial technology service apparatus in a P2P virtual currency security loan financial technology service system according to an embodiment of the present invention.
8 is a flowchart illustrating a P2P virtual currency security loan financial technology service method according to an embodiment of the present invention.
9 is a flowchart illustrating a mortgage advance process in the P2P virtual currency mortgage loan financial technology service method according to an embodiment of the present invention.
FIG. 10 is a diagram illustrating a security of a collateralized cash in a P2P virtual currency collateral loan financial technology service method according to an embodiment of the present invention.
11 is a view for explaining a loan due date notification process in a P2P virtual currency security loan financial technology service method according to an embodiment of the present invention.
FIG. 12 is a diagram illustrating a security return processing process in a P2P virtual currency security loan financial technology service method according to an embodiment of the present invention.
13 is a table for explaining the calculation of the maximum daily loan amount in the virtual currency mortgage loan financial technology service according to an embodiment of the present invention.
14 and 15 are tables showing global TOP 100 Bitcoin exchange quotes.
16 is a table comparing the average trading price of Bitcoin and the global trading average of the Korean exchange.

As the invention allows for various changes and numerous embodiments, particular embodiments will be illustrated in the drawings and described in detail in the written description. However, this is not intended to limit the present invention to specific embodiments, it should be understood to include all modifications, equivalents, and substitutes included in the spirit and scope of the present invention.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a view for explaining a virtual currency security loan financial technology service according to an embodiment of the present invention.

1, the first financial technology service device 10 communicates with a plurality of exchange servers 200 for a virtual currency collateral loan financial technology service according to an embodiment of the present invention. Loan financial technology service method can be performed.

The plurality of exchange servers 200 may be installed for each exchange performing a transaction of virtual currency. The plurality of exchange servers 200 may generate and manage information on suppliers and consumers, transaction information, transaction price information for each virtual currency, transaction volume information for each virtual currency, deposit information, and wallet information for various virtual currencies traded on each exchange. Can be.

The first financial technology service apparatus 10 may obtain transaction price information of each virtual currency and transaction volume information of the corresponding virtual currency from each exchange server 200 for each exchange.

Next, the first financial technology service apparatus 10 may calculate a trading share of each virtual currency that the corresponding exchange occupies in the entire trading market for each exchange based on the trading volume information obtained from each exchange server 200.

The first financial technology service apparatus 10 may calculate a share of the share of the virtual currency in the entire trading market of the corresponding virtual currency for each virtual currency received on the corresponding exchange for each exchange.

For example, with respect to Bitcoin, among the plurality of exchanges, exchange A may be calculated as 60%, B exchange 25%, C exchange 7%, D exchange 5%, and E exchange 3%. .

For example, with respect to Ethereum, among the plurality of exchanges, A may be calculated as 50%, B exchange 30%, C exchange 15%, D exchange 10%, and E exchange 5%. .

The first financial technology service apparatus 10 may differentially determine a security rate to be applied to transaction price information of the corresponding virtual currency at the time of collateral loan for each virtual currency corresponding to the exchange share.

For example, the first financial technology service apparatus 10 may set the mortgage rate to 60% for Bitcoin received at Exchange A, and the mortgage rate to 50% for Ethereum. Accordingly, if the transaction price of Bitcoin is entered in exchange A and is 10 million won per 1 bitcoin, the maximum loanable amount may be 6 million won with 60% applied.

For example, the first financial technology service apparatus 10 may set the mortgage rate to 25% for Bitcoin received on Exchange B and the mortgage rate to 30% for Ethereum. Accordingly, if the transaction price of Bitcoin is entered into exchange B and is 11 million won per 1 bitcoin, the maximum loanable amount may be 5.5 million won with 50% applied.

In summary, the trading price of 1 bitcoin traded on exchange A was 10 million won, and the exchange price of 1 bitcoin traded on exchange B was 11 million won, and the price of exchange A was 1 million won lower than exchange B in terms of trading price. Even if the loanable amount is higher, the borrowable amount of 500,000 won is higher than that of Bitcoin, which is deposited on Exchange A, compared to Bitcoin, which is deposited on Exchange B.

As such, the first financial technology service apparatus 10 may be a formula formulated according to a trade share and / or a trade volume of the corresponding exchange in which the virtual currency is received for any virtual currency in the entire trading market of the virtual currency. By applying the loan mortgage rate.

To this end, the first financial technology service apparatus 10 may be configured to include a data storage 11 and a processor 12 to perform a virtual currency security loan financial technology service.

The data storage unit 11 may store transaction price information, transaction volume information, market share information, and mortgage rate information to be applied when lending each virtual currency for each exchange.

The processor 12 may obtain transaction price information of each virtual currency and transaction volume information of the corresponding virtual currency for each exchange.

The processor 12 may calculate a trading share of each virtual currency that the corresponding exchange occupies in the entire trading market for each exchange based on the trading volume information.

The processor 12 may differentially determine a security rate to be applied to the transaction price information of the corresponding virtual currency at the time of the security loan for each virtual currency corresponding to the exchange share.

2 is a view for explaining a virtual currency security loan financial technology service according to another embodiment of the present invention.

Referring to FIG. 2, the second financial technology service apparatus 20 may perform a virtual currency security loan financial technology service method for each virtual currency for the virtual currency security loan financial technology service according to another embodiment of the present invention. .

The second financial technology service apparatus 20 may acquire transaction price information of the corresponding virtual currency at each exchange 200 and transaction volume information at the corresponding exchange for each virtual currency.

For example, the second financial technology service device 20 may obtain transaction price information and transaction volume information of A, B, C, D, and E exchange for Bitcoin.

Similarly, the second financial technology service apparatus 20 may acquire transaction price information and transaction volume information of Exchange A, Exchange B, Exchange C, Exchange D, and Exchange E with respect to Ethereum.

Next, the second financial technology service apparatus 20 may calculate a trade share of each virtual currency that the corresponding exchange occupies in the entire trading market for each exchange 200 based on the trading volume information.

The second financial technology service apparatus 20 may differentially determine a security rate to be applied to transaction price information of the corresponding virtual currency at the time of collateral lending for each virtual currency corresponding to the exchange share.

To this end, the second financial technology service device 20 may include a data storage unit 21 and a processor 22 to perform a virtual currency security loan financial technology service.

The data storage unit 21 may store transaction price information, transaction volume information, market share information, and mortgage rate information to be applied to the mortgage for each virtual currency for each virtual currency.

The processor 22 obtains the trading price information of the corresponding virtual currency and the trading volume information of the corresponding virtual currency for each virtual currency, and based on the trading volume information, the corresponding exchange for each exchange in the entire trading market. You can calculate the trade share of each virtual currency you occupy.

The processor 22 may differentially determine a security rate to be applied to the transaction price information of the corresponding virtual currency at the time of collateral loan for each virtual currency corresponding to the calculated market share.

3 is a diagram illustrating a virtual currency security loan financial technology service according to another embodiment of the present invention.

3, the third financial technology service apparatus 30 for the virtual currency security loan financial technology service according to another embodiment of the present invention provides a method of preliminary and post-loan virtual money security loan financial technology service method. Can be done.

The third financial technology service apparatus 30 may receive the virtual currency security loan application information from the first information terminal 400.

The third financial technology service apparatus 30 exchanges the collateral rate determined for each virtual currency differentially for each virtual currency corresponding to the exchange share of each virtual currency that the exchange occupies in the entire trading market. It can be applied to the price information to determine the amount of mortgage available for the virtual currency security loan application information.

The third financial technology service apparatus 30 may open an investment product and perform investment attraction based on the virtual currency security loan application information received from the first information terminal 400 through communication with the financial support server 300. Can be.

The third financial technology service apparatus 30 receives the investment money based on the investment application information received from the second information terminal 500, executes the security loan using the virtual currency as collateral, and designates the virtual currency security loan application information. Processing of data and electronic signals to transfer loans to the account can be performed.

The third financial technology service device 30 may include a data storage unit 31 and a processor 32 to perform a virtual currency security loan financial technology service.

The data storage unit 31 is a security loan application information including virtual currency information and loan condition information provided as collateral received from the first information terminal 400, mortgage rate information to be applied when collateral loan of each virtual currency, investment product Information, and investment application information.

The processor 32 may receive the virtual currency security loan application information from the first information terminal 400.

The processor 32 applies the mortgage rate determined for each virtual currency differentially for each virtual currency to the transaction price information of the corresponding virtual currency, corresponding to the exchange share of each virtual currency that the exchange occupies in the entire trading market. The amount of mortgage available for the virtual currency security loan application information can be determined.

The processor 32 executes a security loan using virtual currency as collateral, opens an investment product, and performs investment attraction.

The processor 32 may process data and an electronic signal for receiving a deposit on the basis of the investment application information received from the second information terminal 500 through communication with the financial support server 300.

Here, the processor 32 may additionally perform the interest payment and investment return payment process based on the security loan through communication with the financial support server 300.

4 is a diagram illustrating a virtual currency security loan financial technology service according to another embodiment of the present invention.

Referring to FIG. 4, the fourth financial technology service apparatus 40 provides a virtual money security loan financial technology service method of a pre-lending and post-scheduling method for a virtual money security loan financial technology service according to another embodiment of the present invention. Can be done.

The fourth financial technology service apparatus 40 may receive the virtual currency security loan application information from the first information terminal.

The fourth financial technology service apparatus 40 exchanges the collateral rate determined for each virtual currency differentially for each virtual currency corresponding to the exchange share of each virtual currency that the exchange occupies in the entire trading market. It can be applied to the price information to determine the amount of mortgage available for the virtual currency security loan application information.

Data and electronics for transmitting the loan to the account specified in the virtual currency security loan application information by executing the security loan with the virtual currency as collateral through communication with the financial support server 300 through the communication with the financial support server 300. Signal processing can be performed.

Next, the fourth financial technology service device 40 opens the investment product and performs investment attraction based on the virtual currency security loan application information received from the first information terminal 400 through communication with the financial support server. To receive the investment.

To this end, the fourth financial technology service device 40 may be configured to include a data storage 41 and a processor 42 to perform a virtual currency security loan financial technology service.

The data storage unit 41 is secured loan application information including virtual currency information and loan condition information provided as collateral received from the first information terminal 400, mortgage rate information to be applied when collateral loan of each virtual currency, investment product Information, and investment application information.

The processor 42 may receive the virtual currency security loan application information from the first information terminal 400.

The processor 42 applies the mortgage rate determined for each virtual currency differentially for each virtual currency to the transaction price information of the corresponding virtual currency, corresponding to the exchange share of each virtual currency that the exchange occupies in the entire trading market. The amount of mortgage available for the virtual currency security loan application information can be determined.

The processor 42 opens the investment product and performs investment attraction, receives the investment money based on the investment application information received from the second information terminal 500 through communication with the financial support server, and secures the virtual currency. In this way, data and electronic signals for executing the security loan can be processed.

Here, the processor 42 may additionally perform the interest payment and investment return payment process based on the security loan through communication with the financial support server 300.

5 is a diagram illustrating a virtual currency security loan financial technology service according to an embodiment of the present invention.

Referring to FIG. 5, a virtual money security loan financial technology service according to an embodiment of the present invention may be provided by a P2P financial based technology service company 1.

A P2P-based financial technology services company (1) is a multi-exchange (2) that conducts virtual currency trading operations, and an affiliate financial company (3) that performs investment deposits, loan payments, interest payments, principal repayment, and payment of investment proceeds (3). Partnership with

The P2P-based financial technology services company (1) is a loan applicant (4) who wants to provide a cryptocurrency, such as Bitcoin, as a collateral and a loan, and an investor who wants to invest the cash assets in his possession. 5) can be connected to the P2P loan method to perform P2P collateral loan financial technology services.

Here, the affiliated financial company (3), the loan applicant (4), and the investor (5) may each be a plurality, not limited to one.

P2P-based financial technology services company (1) is a virtual currency, such as bitcoin, for example, because the price volatility and the transaction price is different for each exchange, if any virtual currency is provided as collateral for collateral loan, the virtual currency The lending mortgage rate is applied according to the formula formulated according to the trade share and the volume of the exchange that the exchange is occupied in the entire trading market of the virtual currency.

To this end, the P2P-based financial technology service company (1) acquires market share and volume information of the exchange in the entire cryptocurrency trading market for each exchange, evaluates the value of the collateral to correspond to the result, and secures the loan mortgage rate. The loan amount can be determined accordingly.

In this case, the virtual currency may be Bitcoin. However, the present invention is not limited thereto and may include various types of virtual currency.

Bitcoin is traded by trading between bitcoin electronic wallet holders based on public key cryptography. Every Bitcoin user has a pair of key values consisting of a public key acting as an address and a secret key used for digital signatures when approving transactions. This key value can be stored in a file in a distributed database. If a file with a key value is deleted or deleted, Bitcoin traded with that key value will also disappear. Bitcoin users store a pair of key values in their Bitcoin electronic wallet for use. The key value does not contain any personally relevant information so that Bitcoin users are anonymous.

Bitcoin buyers must send their public key to Bitcoin sellers, which act as addresses. Bitcoin sellers use their private keys to sign the hash that contains all the transaction history and the public key of the Bitcoin buyer. Bitcoin is then moved from the Bitcoin seller's wallet to the buyer's wallet and the transaction is completed. The hash inside Bitcoin stores all the trading history of the target Bitcoin, including recent trading history. In addition, all Bitcoin transactions that occur in the Bitcoin network are recorded in the block chain, which is open to all Bitcoin users. As Bitcoin is traded through electronic signatures, Satoshi Nakamoto defined Bitcoin as a continuous digital signature.

Because Bitcoin is a digital bit, there is a risk of copying or forgery and double spending. Bitcoin may use a timestamp to prevent dual use. Timestamp is a mechanism that confirms that Bitcoin exists at the time of trading, and that the blockchain that stores Bitcoin's transaction information has not changed since the last transaction.

The Bitcoin trading system checks all the transaction history related to Bitcoin on the blockchain using the timestamp and approves the Bitcoin transaction only when there is no problem. If the transaction is approved, the hash stores the confirmation of the blockchain and timestamp containing the transaction information. Bitcoin's trading system does not have any problem with the timestamp verification mechanism to approve the transaction, thus preventing double use. The time taken to verify the time stamp can range from a few minutes to several tens of minutes.

In addition, the P2P collateral loan financial technology services of the P2P-based financial technology service company 1 is made by collecting the funds of the investor (5) who wants to invest the cash assets held by crowdfunding method and executes a loan to the loan applicant.

To this end, the P2P-based financial technology service company 1 receives a loan application from the loan applicant 4 as collateral of virtual currency. The virtual currency provided as collateral may be a virtual currency held by the loan applicant 4 or a virtual currency held by a third party.

 The P2P based financial technology service company 1 may perform collateral evaluation on the virtual currency provided by the loan applicant 4 as collateral.

Meanwhile, the P2P based financial technology service company 1 receives an investment application from the investor 5. The cash asset invested here may be a cash asset held by the investor 5 or may be a cash asset held by a third party. Herein, the investor 5 may preferably be an individual, but the present invention is not limited thereto and may be a subject capable of investing cash assets. Thus, it can be a corporation, not an individual. Also preferably the investor 5 may be a plurality of investors and a plurality of investors who participate in crowdfunding to form funds for a particular purpose. Preferably, the investor 5 may invest cash money in a crowdfunding manner and receive an investment return such as interest income or equity income.

The plurality of exchanges 2 operate each exchange server, and performs a transaction of virtual currency. The plurality of exchanges (2) using the plurality of exchange server for the various virtual currency traded on each exchange, supplier and consumer information, transaction information, transaction price information by virtual currency, transaction volume information by virtual currency, deposit information, wallet Information can be created and managed.

The plurality of exchanges 2 may provide the P2P-based financial technology service company 1 with transaction price information of each virtual currency and transaction volume information of the corresponding virtual currency for each exchange.

The affiliated financial company 3 may receive an investment from an investor 5 that has received an approval for investment by the P2P based financial technology service company 1.

The affiliated financial company (3) executes the loan to the loan applicant (4) who is approved for loan by the P2P-based financial technology services company (1), and periodically or non-pays the interest and principal payment procedure from the loan applicant (4). Can be performed regularly.

Similarly, the affiliated financial company 3 regularly or irregularly pays the investment proceeds, such as interest on the investment, to the investor 5 who deposited the investment. )

6 is a view for explaining a P2P virtual currency security loan financial technology service system according to an embodiment of the present invention.

Referring to FIG. 6, in the P2P collateral loan financial technology service system according to an exemplary embodiment of the present invention, the financial technology service apparatus 100 may include an exchange server 200, a financial support server 300, and first information through a wired or wireless communication network. The terminal 400, the second information terminal 500, and the virtual currency management server 600 are configured to perform processing and communication of various data and electronic signals for a P2P secured loan financial technology service.

The financial technology service apparatus 100 may include various processors for processing and communicating various data and electronic signals required for the P2P collateral loan financial technology service of the P2P-based financial technology service company 1.

To this end, the financial technology service apparatus 100 performs processing and communication of various data and electronic signals necessary to proceed with a process of executing a loan with the virtual currency managed by the virtual currency management server 600 as collateral. It may be configured to include a processor.

In addition, the financial technology service apparatus 100 is an affiliation service with each exchange 2 where a P2P-based financial technology service company 1 performs a virtual currency trading business and an affiliated financial company 3 that performs an interest and principle payment process. It may be configured to include a processor for performing processing and communication of various data and electronic signals required to proceed.

In addition, the financial technology service apparatus 100 connects a loan applicant 4 who wants to borrow a virtual currency held with collateral and an investor 5 who wants to invest a cash asset held in a crowdfunding manner, in a P2P lending manner. It may be configured to include a processor for performing processing and communication of various data and electronic signals required to perform the P2P collateral loan financial technology services.

That is, when the financial technology service apparatus 100 receives loan application information such as desired loan information input through the first information terminal 400, the financial technology service apparatus 100 determines whether the loan is possible by examining the loan application information. If it is determined that the loan is possible, the loan is delivered to the loan applicant 4 through the affiliated financial company 3 of the financial support server 300.

The financial technology service apparatus 100 calculates the collateral value for the virtual currency collateral. The financial technology service apparatus 100 may generate quantitative and qualitative value measurement data by measuring quantitative and qualitative values of virtual currency by various methods, for example, virtual currency.

Since the financial technology service apparatus 100 has a high price volatility such as bitcoin and prices are different for each exchange, the financial technology service apparatus 100 examines the exchange market share and the volume of the exchange in the entire cryptocurrency trading market. To perform.

The financial technology service apparatus 100 may evaluate the value of the collateral, determine the collateral ratio, and determine whether the loan is possible according to the result of the research on the market share and the trading volume of each exchange.

The financial technology service apparatus 100 may be configured to manage the investments previously recruited from the investor 5 and then use the same to deliver loans to the loan applicants 4 determined to be loanable. The loan application information of (4) may be disclosed to the investor, and the investment funds collected in response thereto may be transmitted to the loan applicant 4. However, the present invention is not limited only to such a configuration, and it is obvious that various conventional methods may be applicable, including a mixed form of the two configurations.

The plurality of exchange servers 200 may be installed for each exchange performing a transaction of virtual currency. The plurality of exchange servers 200 may generate and manage information on suppliers and consumers, transaction information, transaction price information for each virtual currency, transaction volume information for each virtual currency, deposit information, and wallet information for various virtual currencies traded on each exchange. Can be.

The plurality of exchange servers 200 may provide transaction price information of each virtual currency and transaction volume information or trade share information of the corresponding virtual currency for each exchange.

The financial support server 300 may include various processors for processing and communicating various data and electronic signals for financial services performed by the affiliated financial company 3.

To this end, the financial support server 300 may process various data and electronic signals necessary for the affiliated financial company 3 to receive the investment from the investor 5 who has been approved by the P2P-based financial technology service company 1. It may be configured to include a processor for performing communication.

In addition, the financial support server 300 loans to the loan applicant (4) that the affiliated financial company (3) has been approved for loan by the P2P-based financial technology service company (1), and interest from the loan applicant (4) And a processor for processing and communicating various data and electronic signals necessary to periodically or periodically perform the principle payment repayment procedure.

In addition, the financial support server 300 periodically or irregularly interest interest on the investment to the investor (5) in which the partner financial company (3) deposited the investment, and when the investment period expires, the investor (5) It may be configured to include a processor for performing processing and communication of various data and electronic signals necessary to proceed to return to.

7 is a diagram for describing a financial technology service apparatus in a P2P virtual currency security loan financial technology service system according to an embodiment of the present invention.

Referring to FIG. 7, the financial technology service apparatus 100 may include a data storage 110 and a processor 120.

The data storage unit 110 secures loan application information including virtual currency information and loan condition information to be provided as collateral received from the first information terminal 400, virtual currency information for each exchange, investment product information, and investment application. Information can be stored.

Here, the virtual currency information for each exchange may include transaction price information, transaction volume information, share information, and mortgage rate information to be applied when collateralizing the virtual currency in each exchange for each virtual currency.

The processor 120 may receive collateral loan application information for applying for a loan using the virtual currency as collateral from the first information terminal 400.

To this end, the processor 120 may communicate with the first information terminal 400 to provide screen information for receiving the security loan application information from the first information terminal 400 to the first information terminal 400. .

The processor 120 performs the collateral evaluation process on the virtual currency provided as the collateral. To this end, the processor 120 may calculate the collateral value of the virtual currency based on the security loan application information input from the first information terminal 400 and the virtual currency information for each exchange.

The processor 120 is a virtual currency information for each exchange, and the collateral of the corresponding virtual currency by using the transaction price information, transaction volume information, share information, and mortgage rate information to be applied to the mortgage for each virtual currency for each virtual currency. Can be valued

The processor 120 may execute various scenario access processes for the virtual currency to generate risk management information for the requested virtual currency. Risk management information is generated by evaluating the value of collateral for virtual currency through data and analytical techniques. The risk management information may include information on changes in virtual currency prices, which are identified in real time.

The virtual currency provided as collateral may be a virtual currency held by the loan applicant 4 or a virtual currency held by a third party. The present invention is not limited thereto, and virtual currency of various conditions tradeable in the virtual currency trading market may be provided as collateral.

The processor 120 receives the investment request signal from the second information terminal 500. To this end, the processor 120 may communicate with the second information terminal 500 to provide the screen information for receiving the investment application information from the second information terminal 500 to the second information terminal 500.

The cash asset invested here may be a cash asset held by the investor 5 or may be a cash asset held by a third party.

For example, the loan repayment method may include a lump-sum repayment principle and a principal maturity payment and an interest monthly installment payment method.

The financial support server 300 communicates with the second information terminal 500 of the investor 5 who has received the investment application approval from the financial technology service apparatus 100 to perform a financial transaction process of receiving an investment.

The financial support server 300 performs a loan process on a loan applicant who is approved for loan by the financial technology service apparatus 100, and performs a process of depositing a loan into a deposit account designated by the loan applicant. To this end, the financial support server 300 communicates with the financial technology service apparatus 100, and the deposit account information included in the security loan application information received by the financial technology service apparatus 100 from the first information terminal 400. Received and stored. In addition, the financial support server 300 communicates with the first information terminal 400 of the loan applicant 4 to perform the interest and principal payment repayment process regularly or irregularly.

Meanwhile, similarly, the financial support server 300 performs a financial transaction process in which an investor 5 who deposits an investment deposits interest into a designated deposit account. To this end, the financial support server 300 communicates with the financial technology service apparatus 100 to receive deposit account information included in the investment application information received by the financial technology service apparatus 100 from the second information terminal 500. Received and stored. The financial support server 300 performs a financial transaction process of returning the investment to the account of the investor 5 when the investment period expires.

The first information terminal 400 and the second information terminal 500 transmit / receive data to / from the financial technology service apparatus 100, the financial support server 400, and the virtual currency management server 600 through a communication network. It can be connected to each other wirelessly.

The communication network is a high-speed network of a large communication network capable of large-capacity, long-distance voice and data services, and may be a next-generation wireless network including WiFi, Wibro, Wimax, etc. for providing Internet or high-speed multimedia services.

The Internet has many services in the TCP / IP protocol and its upper layers: Hyper Text Transfer Protocol (HTTP), Telnet, File Transfer Protocol (FTP), Domain Name System (DNS), Simple Mail Transfer Protocol (SMTP), and SNMP. It is a global open computer network structure that provides Simple Network Management Protocol (NFS), Network File Service (NFS), and Network Information Service (NIS). In the first information terminal 400 and the second information terminal 500, the loan applicant 4 and the investor 5 have a financial technology service apparatus 100, a financial support server 400, and a virtual currency management server 600. Provides an environment that allows access to Meanwhile, the Internet may be a wired or wireless internet, or may be a core network integrated with a wired public network, a local area network, a wireless mobile communication network, or a portable internet.

If the communication network is a mobile communication network, it may be a synchronous mobile communication network or an asynchronous mobile communication network. An example of an asynchronous mobile communication network is a communication network of a wideband code division multiple access (WCDMA) system. In this case, although not shown in the drawings, the mobile communication network may include, for example, a Radio Network Controller (RNC). Meanwhile, although the WCDMA network is taken as an example, it may be an IP network based on a next generation communication network such as 3G LTE network, 4G network, 5G network, or other IP. The communication network transmits signals and data between the first information terminal 400, the second information terminal 500, the financial technology service apparatus 100, the financial support server 400, and the virtual currency management server 600 to each other. Play a role.

The first information terminal 400 and the second information terminal 500 access various financial transaction services by accessing the financial technology service apparatus 100, the financial support server 400, and the virtual currency management server 600 through a communication network. There may be all kinds of wired and wireless communication devices available.

For example, the first information terminal 400 and the second information terminal 500 include various mobile terminals that communicate through a wireless Internet or a portable Internet. In addition, a palm PC, a smart phone, Financial technology service device 100 such as a mobile play-station, a digital multimedia broadcasting (DMB) phone with a communication function, a tablet PC, an iPad, a financial support server 400, a virtual currency management server ( All wired and wireless consumer electronics / communication devices having a user interface for accessing 600).

In particular, when the first information terminal 400 and the second information terminal 500 are implemented as a general smart phone, the smart phone is different from the general mobile phone (aka feature phone). Application) It is a phone based on an open operating system that can download, use and delete programs freely.All mobile phones with mobile office functions as well as functions such as voice / video call and internet data communication are generally used. Or it can be understood as a communication device that includes all Internet phones or tablet PCs that do not have a voice call function but have Internet access.

Such a smart phone can be implemented as a smart phone equipped with various open operating systems. For example, the open operating systems include Nokia's Symbian, RIM's BlackBerry, Apple's iPhone, and Microsoft. Microsoft's Windows Mobile, Google's Android, Samsung's ocean, etc.

As such, since the smartphone uses an open operating system, unlike a mobile phone having a closed operating system, a user may arbitrarily install and manage various application programs.

That is, the smartphone basically includes a controller, a memory unit, a screen output unit, a key input unit, a sound output unit, a sound input unit, a camera unit, a wireless network communication module, a short range wireless communication module, and a battery for power supply.

The controller is a generic term for a functional configuration that controls the operation of the smartphone, and includes at least one processor and an execution memory, and is connected to each functional component provided in the smartphone through a bus.

The control unit loads and computes at least one program code included in the smartphone through the processor in the execution memory, and transfers the result to the at least one function component through the bus to control the operation of the smartphone.

 The memory unit is a generic term for a nonvolatile memory included in a smartphone, and stores and maintains at least one program code executed through a control unit and at least one data set used with the program code. The memory unit basically stores a system program code and a system data set corresponding to the operating system of the smartphone, a communication program code and a communication data set for processing a wireless communication connection of the smartphone, and at least one application program code and an application data set. Program code and data sets for implementing the present invention are also stored in the memory portion.

 The screen output unit includes a screen output device (for example, an LCD and an LED device) and an output module for driving the same. The screen output unit is connected to a bus with a controller to output a calculation result corresponding to the screen output among various calculation results of the controller to the screen output device. .

 The key input unit includes a key input device (or a touch screen device interlocking with the screen output unit) having at least one key button and an input module for driving the key input unit, and is connected to the control unit by a bus to command various operations of the control unit. Or input data required for operation of the controller.

The sound output unit includes a speaker for outputting a sound signal and a sound module for driving the speaker. The sound output unit is connected to a bus with a controller to output a calculation result corresponding to the sound output among various calculation results of the controller through the speaker. The sound module decodes sound data to be output through the speaker and converts the sound data into a sound signal.

The sound input unit includes a microphone for receiving a sound signal and a sound module for driving the microphone, and transmits sound data input through the microphone to the controller. The sound module encodes and encodes a sound signal input through the microphone.

The camera unit includes an optical unit, a charge coupled device (CCD), and a camera module for driving the same, and acquires bitmap data input to the CCD through the optical unit. The bitmap data may include both image data and video data of a still image.

The wireless network communication module is a general term for a communication configuration for connecting wireless communication, and includes at least one antenna, an RF module, a baseband module, and a signal processing module for transmitting and receiving radio frequency signals of a specific frequency band. Connected to transmit the calculation result corresponding to the wireless communication among the various calculation results of the control unit through the wireless communication, or to receive and transmit the data through the wireless communication to the control unit, the connection, registration, communication, handoff of the wireless communication Maintain the procedure.

In addition, the wireless network communication module includes a mobile communication configuration for performing at least one connection, location registration, call processing, call connection, data communication, and handoff to a mobile communication network according to the CDMA / WCDMA standard. Meanwhile, according to the intention of the person skilled in the art, the wireless network communication module may further include a portable internet communication configuration for performing at least one connection, location registration, data communication, and handoff to the portable Internet according to the IEEE 802.16 standard. The present invention is not limited by the wireless communication configuration provided.

Short-range wireless communication module is composed of a short-range wireless communication module for connecting a communication session using a radio frequency signal as a communication medium within a certain distance, preferably RFID communication, Bluetooth communication, Wi-Fi communication, public radio of ISO 180000 series standard It may include at least one of the communication. In addition, the short range wireless communication module may be integrated with a wireless network communication module.

The virtual currency management server 600 communicates with the first information terminal 400 and the financial technology service apparatus 100 to request collateral for the virtual currency, and the electronic wallet management and exchange of the loan applicant 4. Perform electronic wallet pledge, electronic wallet receipt process.

The virtual currency management server 600 sends a virtual currency transfer completion message when a pledge is set for a corresponding electronic wallet in an exchange on which an arbitrary virtual currency is received, or when a receipt from a loan applicant's electronic wallet to a managed electronic wallet is completed. It transmits to the service apparatus 100. The virtual currency transfer completion message may include electronic wallet identification information, pledge setting completion information, or receipt completion confirmation information. Herein, the management electronic wallet refers to a management electronic wallet that the virtual currency management server 600 opens for each exchange and operates for trading of various virtual currencies.

The virtual currency management server 600 may provide the electronic wallet identification information, the pledge setting completion information, or the goods receipt completion information to the first information terminal 400 or the financial technology service apparatus 100.

The virtual money management server 600 may periodically check the storage state of the virtual currency set as collateral and provide the storage state information to the first information terminal 400 or the financial technology service device 100 periodically or as requested. have. Here, the storage state of the virtual currency may include electronic wallet identification information, pledgement status information, or receipt status information.

8 is a flowchart illustrating a P2P virtual currency security loan financial technology service method according to an embodiment of the present invention.

Referring to FIG. 8, the financial technology service apparatus 100 receives virtual currency security loan application information from the first information terminal 400 (S10).

Here, the collateral loan application information includes the type of virtual currency to be provided as collateral, the quantity of the virtual currency, exchange information, the desired amount of the loan, the loan condition, the deposit account number, the name, the telephone number, the e-mail address, and the collateral evaluation level. can do.

The mortgage rating may include a virtual currency investment reliability rating of the loan applicant, which is calculated and granted by the mortgage evaluation process of the financial technology service apparatus 100. The virtual currency investment credibility rating is based on the relative revenue calculated by linking the rate of fluctuation of market information with the first rating based on the absolute return based on the return of the loan applicant's virtual currency trading information. It may include a third evaluation grade calculated by combining the second evaluation rating.

To this end, the financial technology service apparatus 100 communicates with the first information terminal 400 to provide screen information for receiving the security loan application information from the first information terminal 400 to the first information terminal 400. can do.

For example, the financial technology service apparatus 100 may provide a terms agreement screen, a member information input screen, a loan item selection screen, and a loan condition input screen for inputting virtual currency collateral loan application information.

The financial technology service apparatus 100 performs a loan examination based on the virtual currency mortgage loan application information received from the first information terminal 400, and applies a differential mortgage rate according to the virtual currency exchange information to determine the amount of collateral available. Perform (S20).

The financial technology service apparatus 100 may determine the mortgage available amount of the virtual currency by referring to the bankruptcy probability information and risk management information of the virtual currency issuing company, in addition to the virtual currency exchange information.

Bankruptcy probability information of the virtual currency issuing company may be generated by the advisory support server 200 executing various scenario access processes for the virtual currency.

Risk management information can be generated by evaluating the value of collateral for the virtual currency to be assessed by data and analytical techniques. The risk management information may include information on collateral ratio changes that are identified in real time.

The financial technology service apparatus 100 may determine whether the mortgage loan is possible by reviewing the mortgage evaluation and the loan possibility of the virtual currency mortgage loan application information. As a result of the determination, when the loan is secured, the loanable guide information may be transmitted to the first information terminal 400, and when it is determined that the loan is impossible, the loan information may be transmitted to the first information terminal 400. .

When it is determined that the security loan is possible, the financial technology service apparatus 100 performs the virtual currency security loan preprocess through the communication of the first information terminal 400 (S30).

To this end, the first information terminal 400 may access the integrated computer network and perform a redemption conditional virtual money transfer process. For the redemption conditional virtual money transfer process, the first information terminal 400 may access the integrated computer network and perform the corresponding process.

By the redemption conditional virtual money transfer process, the virtual money management server 600 performs pledge setting for the corresponding electronic wallet in the exchange where any virtual currency is received, or receives the receipt from the loan applicant's electronic wallet to the managed electronic wallet. .

The virtual money management server 600 transmits the virtual money transfer completion message to the financial technology service device 100 when the pledge setting for the electronic wallet in which the virtual currency is received or the receipt of the money into the management electronic wallet is completed. The virtual currency transfer completion message may include electronic wallet identification information, pledge setting completion information, or receipt completion confirmation information.

The financial technology service apparatus 100 may receive a virtual currency transfer completion message from the first information terminal 400. To this end, the first information terminal 400 may receive an input signal for confirming that the virtual currency transfer has been completed from the loan applicant.

The financial technology service apparatus 100 opens the investment product based on the security loan application information received from the first information terminal 400 when the virtual currency mortgage loan advance process is completed, and the second information terminal with respect to the opened investment product. In order to be able to read the 500, the investment attraction may be proceeded to receive the investment application and the deposit from the investor (S40).

In this case, the financial technology service apparatus 100 may display the investment product information so that the investment product in which the second information terminal 500 is opened can be viewed. The investment product information may include collateral information, investment judgment information, and loan condition information.

The collateral information may include information on collateral available to investors among the collateral loan application information. For example, collateral information may include the type of virtual currency to be provided as collateral, loan amount, loan condition, and collateral rating.

The investment determination information may include investment determination information to which information asymmetry is applied. For example, investment decision information to which information asymmetry is applied may include standardized investment decision information and atypical investment decision information. Herein, the formalized investment judgment information is an investment digitized by a formal loan evaluation arithmetic expression of the loan examination process based on the virtual currency security loan application information received by the financial technology service apparatus 100 from the first information terminal 400. It may include decision information. For example, the formalized investment judgment information may include a standardized and quantified index of the collateral evaluation of the virtual currency secured loan application information and the loan possibility.

In this case, the financial technology service apparatus 100 may communicate with the first information terminal 400 to proceed with the investment attraction after the payment of the platform fee is completed.

If the financial technology service apparatus 100 is in the process of attracting investment or there is a request to cancel the collateral loan process from the first information terminal 400 after the investment is completed, the financial investment service and the platform usage fee may be specified in the investment application information. It is possible to perform the process of refunding the investment and platform fee refund to the investor's account (S50). However, the present invention is not limited thereto, and the investment and platform fee refund process may be selectively applied or omitted depending on the service policy.

The financial technology service apparatus 100 performs a loan payment, interest payment, and investment profit payment process when investment attraction is normally completed (S60).

To this end, the financial technology service apparatus 100 may perform a loan payment, interest payment, and investment return payment process through a financial service performed by the affiliated financial company 3 through communication with the financial support server 300.

To this end, the financial support server 300 pays the loan applicant 4 to the loan applicant 4 approved by the P2P-based financial technology service company 1 to execute the loan. (C) processing and communicating various data and electronic signals necessary to carry out interest payments or principal repayment procedures on a regular or irregular basis.

In addition, the financial support server 300 regularly or irregularly pays the investment proceeds, such as interest on the investment to the investor (5) deposits the investment by the affiliated financial company (3).

In addition, the financial technology service apparatus 100 may communicate with the virtual currency management server 600 to perform a management and risk management process for the transferred virtual currency (S70). The risk management process here can include the process of cashing collateral.

To this end, the financial technology service apparatus 100 may periodically or irregularly receive the storage state information on the virtual currency replaced or transferred from the storage support server 600.

In addition, the financial technology service apparatus 100 may periodically or irregularly evaluate the collateral value of the collateral, and when the collateral value decreases, transmit the collateral additional deposit message to the first information terminal 300. In addition, the financial technology service device 100 is risky through counter-sale or disposal of the virtual currency held as collateral if the collateral additional deposit is not made and the value of the collateral is continuously reduced despite the transmission of the collateral additional deposit message. You can run the management process. As described above, a series of processes for cashing virtual money held as collateral is called the cash flow of collateral. The process of monetization of collateral is carried out when the collateral is subject to the requirements for implementing the collateralization of the collateral.

The financial technology service apparatus 100 may perform a loan due date processing process when the loan due date expires (S80).

To this end, the financial technology service apparatus 100 transmits a loan due date notification message to the first information terminal 400 when the loan due date expires, and transfers the title when it is determined that the loan amount is unpaid so that the loan due date expires. Process, the transfer of rights to the collateral, and the sell-off process for the collateral.

Meanwhile, when the repayment of the loan is completed, the financial technology service apparatus 100 may perform a collateral return processing process (S90).

To this end, the first information terminal 400 requests the financial technology service apparatus 100 to process the collateral return, and performs the collateral delivery process to complete the collateral return by confirming the collateral certification.

9 is a flowchart illustrating a mortgage advance process in the P2P virtual currency mortgage loan financial technology service method according to an embodiment of the present invention.

Referring to FIG. 9, the first information terminal 400 transmits collateral receipt request information to the financial technology service apparatus 100 for a security loan advance process for virtual currency (S31). To this end, the financial technology service apparatus 100 may provide the first information terminal 400 with menu screen information allowing the first information terminal 400 to request collateral for the virtual currency. Therefore, the first information terminal 400 may complete the reception of the security item for the virtual currency from the menu displayed on the screen information provided by the financial technology service apparatus 100.

Accordingly, the first information terminal 400 may perform a redemption conditional virtual money transfer process by accessing the integrated computer network. For the redemption conditional virtual money transfer process, the first information terminal 400 may access the integrated computer network and perform the corresponding process.

The first information terminal 400 transmits the repurchase condition contract conclusion information to the financial technology service apparatus 100 (S32). To this end, the financial technology service apparatus 100 may provide the first information terminal 400 with menu screen information allowing the first information terminal 400 to transmit the redemption agreement conclusion completion information. Therefore, the first information terminal 400 may transmit the redemption agreement conclusion completion information from the menu displayed on the screen information provided by the financial technology service apparatus 100. The screen information provided by the financial technology service apparatus 100 may include repurchase agreement information and agreement conclusion agreement information. Here, the repurchase condition refers to the virtual currency if the requested procedure, such as the payment of interest established for the loan, is not followed after the loan is made with the virtual currency as collateral, or if the value of the virtual currency falls below the collateral price. May include the repurchase conditions for virtual currency to disperse the risks of the investor.

The first information terminal 400 transmits the virtual money transfer completion message to the financial technology service device 100 (S33). To this end, the financial technology service apparatus 100 may provide the first information terminal 400 with menu screen information allowing the first information terminal 400 to transmit a virtual money transfer completion message. Therefore, the first information terminal 400 may transmit the transfer completion message for the virtual currency in the menu displayed on the screen information provided by the financial technology service apparatus 100. The screen information provided by the financial technology service apparatus 100 may include screen information for receiving electronic wallet identification information, collateral setting completion information, and receipt completion confirmation information. Accordingly, the first information terminal 400 uploads the electronic wallet identification information, the security setting completion confirmation information, the receipt completion confirmation information from the menu displayed on the screen information provided by the financial technology service apparatus 100, and the security setting completion information. Alternatively, the goods receipt completion information may be transmitted to the financial technology service apparatus 100. Mortgage setting completion or receipt completion transmitted from the first information terminal 400 to the financial technology service apparatus 100 may be transmitted from the virtual currency management server 600 to the financial technology service apparatus 100. That is, the financial technology service apparatus 100 may receive the electronic wallet identification information, the collateral setting completion confirmation information, and the receipt completion confirmation information from the virtual currency management server 600.

FIG. 10 is a diagram illustrating a security of a collateralized cash in a P2P virtual currency collateral loan financial technology service method according to an embodiment of the present invention.

Referring to FIG. 10, when the financial technology service apparatus 100 approaches or meets the requirements for implementing the security of the collateral for the collateral, the financial technology service apparatus 100 may provide a notification of the execution of the cashification of the collateral including the notice of payment of the maintenance margin for maintaining the collateral. It transmits to the information terminal 400 (S71). The requirement to implement a monetization of collateral may in principle include the value of the collateral falling below the collateral hold line.

If the financial technology service apparatus 100 determines that the maintenance margin is unpaid so that the preset date passes, the financial technology service apparatus 100 starts the cashing process of the collateral (S72).

The financial technology service apparatus 100 proceeds to the selling process for the collateral (S73). The proceedings of the selling process may be used by appropriately adopting the cashing process of various collaterals.

The financial technology service apparatus 100 transfers the remaining balance to the loan applicant except for the amount to be returned to the investor when the selling process is completed and the corresponding collateral is cashed (S74).

11 is a view for explaining a loan due date notification process in a P2P virtual currency security loan financial technology service method according to an embodiment of the present invention.

Referring to FIG. 11, when the loan due date expires, the financial technology service apparatus 100 transmits a loan due date notification message to the first information terminal 400 (S81).

If the financial technology service apparatus 100 determines that the loan amount is not repaid so that the loan due date expires (S82). To this end, the financial technology service apparatus 100 transmits the transfer name processing request signal to the financial support server 300.

The financial technology service apparatus 100 proceeds to the right transfer process for the virtual currency collateral when the transfer of the title transfer process for the virtual currency collateral is completed (S83). To this end, the financial technology service apparatus 100 may transmit a right transfer request signal to the financial support server 300.

If the financial technology service device 100 completes the right-to-purchase process for the virtual currency collateral, the financial technology service device 100 proceeds to the selling and closing process for the collateral (S84). Through this, the financial technology service apparatus 100 completes the sale of the virtual currency collateral.

FIG. 12 is a diagram illustrating a security return processing process in a P2P virtual currency security loan financial technology service method according to an embodiment of the present invention.

Referring to FIG. 12, the first information terminal 400 transmits a virtual currency collateral return processing request to the financial technology service apparatus 100 (S91). Accordingly, the financial technology service apparatus 100 transmits the electronic wallet release request information to the virtual currency management server 600 (S92). Accordingly, the virtual currency management server 600 performs a virtual currency release process. The first information terminal 400 transmits the virtual currency collateral authentication confirmation information to the financial technology service apparatus 100 (S93). To this end, the financial technology service apparatus 100 may provide the first information terminal 400 with menu screen information allowing the first information terminal 400 to transmit virtual currency collateral authentication confirmation information. Therefore, the first information terminal 400 may transmit the virtual currency collateral authentication confirmation information from the menu displayed on the screen information provided by the financial technology service apparatus 100. The financial technology service apparatus 100, upon receiving the virtual currency collateral authentication confirmation information from the first information terminal 400, performs the virtual currency collateral return completion process (S94).

13 is a table for explaining the calculation of the maximum daily loan amount in the virtual currency mortgage loan financial technology service according to an embodiment of the present invention.

Referring to FIG. 13, in the virtual currency collateral loan financial technology service according to an embodiment of the present invention, for example, 2% of the total transaction value for a specific virtual currency such as Bitcoin may be calculated as the total daily loanable amount. Can be.

Once a percentage of total loanable amount is calculated for the daily trading value of a particular virtual currency, the total amount of loans available for each exchange can be calculated according to the share of the trading volume in the total trading value.

For example, the first exchange would have 66.87% of the total trading day, the second exchange would have 16.34% of the total trading, the third exchange would have 10.81% of the total trading, and the fourth exchange would have 5.98% of the total trading. Occupies.

Therefore, the total amount of loans per day may be 12,207,111,936, which is 2% of the total transaction price of 610,355,596,800.

The maximum lending amount per day for each exchange is 8,163,024,640, which is 66.87% of the total amount that can be borrowed by the first exchange for 12,207,111,936, and 1,994,980,736 which is 16.34%, which is 16.34% of the total amount that can be borrowed per day for the second exchange. The exchange could be 1,319,202,176 (10.81%) of the total loan amount of 12,207,111,936, and the fourth exchange could be 729,904,384 (5.98% of the total loan amount of 12,207,111,936).

14 and 15 are tables showing global TOP 100 Bitcoin exchange quotes.

FIG. 16 is a table comparing bitcoin average trading prices and global bitcoin average trading prices of the Korean exchange shown in FIGS. 14 and 15.

Referring to FIG. 16, it can be seen that Korea has a higher trading price than the average of other global exchanges.

Therefore, in the virtual currency mortgage loan financial technology service according to an embodiment of the present invention, for example, when the price difference between the global average virtual currency and the price of the virtual currency of domestic exchanges is 5% or more, The total amount of loans available per day can be lowered.

In another example, if the global average virtual currency price and the domestic virtual exchange price difference is more than 5%, the total amount of loans available per day can be lowered.

On the other hand, if the price of virtual currency trading of domestic exchanges is lower than the global average price of virtual currency trading, the total amount of loans available per day may be raised.

In this way, the rate of change in the price of the virtual currency, which is a change in the price of the virtual currency, can be reflected in the determination of the loanable amount. Accordingly, if the fluctuation is greater or smaller than other exchanges, the loan ratio may be adjusted accordingly. If the fluctuation is too large, stability can be secured by lowering the loan ratio.

The embodiment of the present invention has been described in detail with respect to the P2P virtual currency mortgage loan financial technology service method for storing the virtual currency, and executing the loan to the loan applicant with the stored virtual currency as collateral.

It also explained how to raise funds from investors who want to invest their own cash assets by crowdfunding, and to make loans to loan applicants.

However, in one embodiment of the present invention, some explanations may be omitted for virtual currency security loans, P2P loans, the usual procedures of crowdfunding, and the processing of data and electronic signals to perform the procedures. Such parts may be variously selected and implemented by conventional procedures and data and electronic signal processing, provided that they have knowledge in the relevant field, and although not specifically described, the P2P virtual currency mortgage loan financing of the present invention. It can be seen that the technical service method can be implemented in various ways.

In addition, in one embodiment of the present invention, the virtual currency collateral loan application information includes the loan desired amount, and the virtual currency investment reliability rating, the virtual currency investment reliability rating reflects the rate of return according to the virtual currency trading information of the loan applicant. The case of the evaluation rating calculated by combining the first evaluation rating based on the absolute revenue calculated by using the second evaluation rating based on the relative profit calculated by linking the fluctuation rate of the market information with the first rating rating.

Accordingly, in another embodiment of the present invention, the virtual currency investment reliability evaluation based on the virtual currency investment performance may be applied to perform the P2P collateral loan financial technology service method. In other words, the investment performance based on absolute profit calculated based on the virtual currency trading information of the valuation target such as the expert specialized in cryptocurrency, and the relative performance based on the relative profit calculated by combining the composite index, industry index, sales basis, and similar company information. In consideration of this, the evaluation grade for evaluating the reliability of the virtual currency investment of the subject to be evaluated is calculated to determine the financial transaction limit at the time of virtual currency mortgage lending or investment attraction, and based on this, P2P collateral loan financial technology service can be performed.

To this end, the financial service apparatus according to an embodiment of the present invention is based on the absolute and relative returns of professional investors who wish to borrow in the loan limit calculation method to evaluate the reliability of virtual currency investment based on the virtual currency investment performance. This can be calculated.

The past trading history of a professional investor who wants to make a loan can measure the success of the investment and the future probability of success. And the more data there is, the greater the confidence in the rating. This is an absolute return on investment.

However, when absolute return-based investment results and relative return-based investment results are reflected, the meaning of virtual currency investment reliability evaluation is properly implemented in the P2P virtual currency mortgage financial technology service method. This can be elaborated.

Although embodiments according to the present invention have been described above, these are merely exemplary, and it will be understood by those skilled in the art that various modifications and equivalent embodiments of the present invention are possible therefrom. Therefore, the true technical protection scope of the present invention will be defined by the following claims.

Claims (11)

Obtaining, by the financial technology service apparatus, transaction price information of each virtual currency and transaction volume information of the corresponding virtual currency for each exchange;
Calculating, by the financial technology service apparatus, a trading share of each virtual currency that the corresponding exchange occupies in the entire trading market for each exchange based on the trading volume information; And
And determining, by the financial technology service apparatus, a mortgage rate to be applied to transaction price information of the corresponding virtual currency when the security loan of the same virtual currency for each virtual currency corresponds to the exchange share.
The determination of the collateral rate determines that the higher the transaction share, the higher the collateral rate,
The virtual currency management server communicates with the first information terminal and the financial technology service device to perform collateral receipt request for virtual currency, exchange e-wallet management of the loan applicant, exchange e-wallet pledge setting, and electronic wallet receipt process. Making;
When the virtual money management server completes the pledge of the corresponding electronic wallet in the exchange where any virtual currency is received or the receipt of the loan applicant's electronic wallet from the electronic wallet to the managed electronic wallet, the virtual currency transfer completion message is received. Transmitting to the device;
Providing, by the virtual money management server, electronic wallet identification information, pledge setting completion information, or receipt completion information to the first information terminal or the financial technology service device;
Periodically checking the storage state of the virtual currency set as collateral by the virtual money management server and providing the storage state information to the first information terminal or the financial technology service device periodically or on request;
The virtual currency transfer completion message includes electronic wallet identification information, pledge setting completion information, or receipt completion confirmation information,
The management electronic wallet is a management electronic wallet operated by the virtual currency management server for each exchange to open various virtual currencies.
The storage state of the virtual currency includes electronic wallet identification information, pledge setting state information, or receipt status information,
The financial technology service apparatus determines the mortgage amount of the virtual currency by applying the mortgage rate determined to have a higher mortgage rate to the transaction price information of the virtual currency as the transaction share is relatively high.
The method may further include determining a mortgage amount of the virtual currency by additionally referring to bankruptcy probability information and risk management information of the virtual currency issuing company. Virtual Currency Mortgage Financial Technology Services Method.
Acquiring, by the financial technology service apparatus, transaction price information of the corresponding virtual currency at each exchange and transaction volume information at the corresponding exchange for each virtual currency;
Calculating, by the financial technology service apparatus, a trading share of each virtual currency that the corresponding exchange occupies in the entire trading market for each exchange based on the trading volume information; And
And determining, by the financial technology service apparatus, a mortgage rate to be applied to transaction price information of the corresponding virtual currency when the security loan of the same virtual currency for each virtual currency corresponds to the exchange share.
The determination of the collateral rate determines that the higher the transaction share, the higher the collateral rate,
The virtual currency management server communicates with the first information terminal and the financial technology service device to perform collateral receipt request for virtual currency, and to manage the exchange e-wallet of the loan applicant, set the exchange electronic wallet pledge, and receive the electronic wallet. Making;
When the virtual money management server completes the pledge of the corresponding electronic wallet in the exchange where any virtual currency is received or the receipt of the loan applicant's electronic wallet from the electronic wallet to the managed electronic wallet, the virtual currency transfer completion message is received. Transmitting to the device;
Providing, by the virtual money management server, electronic wallet identification information, pledge setting completion information, or receipt completion information to the first information terminal or the financial technology service device;
Periodically checking the storage state of the virtual currency set as collateral by the virtual money management server and providing the storage state information to the first information terminal or the financial technology service device periodically or on request;
The virtual currency transfer completion message includes electronic wallet identification information, pledge setting completion information, or receipt completion confirmation information,
The management electronic wallet is a management electronic wallet operated by the virtual currency management server for each exchange to open various virtual currencies.
The storage state of the virtual currency includes electronic wallet identification information, pledge setting state information, or receipt status information,
The financial technology service apparatus determines the mortgage amount of the virtual currency by applying the mortgage rate determined to have a higher mortgage rate to the transaction price information of the virtual currency as the transaction share is relatively high.
And determining the collateral loan amount of the virtual currency by additionally referring to the bankruptcy probability information and risk management information of the virtual currency issuing company.
The financial technology service apparatus receives the virtual currency collateral loan application information from the first information terminal, and for each exchange, the same virtual currency for each virtual currency corresponds to the market share of each virtual currency that the exchange occupies in the entire trading market. Determining a mortgage available amount for the virtual currency security loan application information by applying a mortgage rate differentially determined during the security loan of money to the transaction price information of the corresponding virtual currency;
Opening, by the financial technology service apparatus, an investment product based on the virtual currency security loan application information received from the first information terminal through communication with a financial support server, and performing investment attraction; And
The financial technology service apparatus receives the investment funds based on the investment application information received from the second information terminal, executes a security loan using the virtual currency as collateral, and transfers the loan money to an account specified in the virtual currency security loan application information. Performing the processing of data and electronic signals for
The determination of the collateral rate determines that the higher the transaction share, the higher the collateral rate,
The virtual currency management server communicates with the first information terminal and the financial technology service device to perform collateral receipt request for virtual currency, and to manage the exchange e-wallet of the loan applicant, set the exchange electronic wallet pledge, and receive the electronic wallet. Making;
When the virtual money management server completes the pledge of the electronic wallet in the exchange where any virtual currency is received or the receipt of the loan applicant's electronic wallet from the electronic wallet to the managed electronic wallet, the virtual currency transfer completion message is received. Transmitting to the device;
Providing, by the virtual money management server, electronic wallet identification information, pledge setting completion information, or receipt completion information to the first information terminal or the financial technology service device;
And periodically checking the storage state of the virtual currency set as collateral by providing the storage state information to the first information terminal or the financial technology service device periodically or as requested.
The virtual currency transfer completion message includes electronic wallet identification information, pledge setting completion information, or receipt completion confirmation information,
The management electronic wallet is a management electronic wallet operated by the virtual currency management server for each exchange to open various virtual currencies.
The storage state of the virtual currency includes electronic wallet identification information, pledge setting state information, or receipt status information,
Determining the amount of secured mortgage for the virtual currency security loan application information,
The virtual currency collateral loan financial technology service method, characterized in that the collateral loan information of the virtual currency issuing probability information, risk management information is additionally determined.
The financial technology service apparatus receives the virtual currency collateral loan application information from the first information terminal, and for each exchange, the same virtual currency for each virtual currency corresponds to the market share of each virtual currency that the exchange occupies in the entire trading market. Determining a mortgage available amount for the virtual currency security loan application information by applying a mortgage rate differentially determined during the security loan of money to the transaction price information of the corresponding virtual currency;
Through the communication with the financial support server, the financial technology service apparatus executes a security loan using the virtual currency as collateral to process data and electronic signals for remitting a loan to an account specified in the virtual currency security loan application information. Performing; And
The financial technology service apparatus, through the communication with the financial support server, based on the virtual currency mortgage loan application information received from the first information terminal to open an investment product and to attract investment by depositing investments; ,
The determination of the collateral rate determines that the higher the transaction share, the higher the collateral rate,
The virtual currency management server communicates with the first information terminal and the financial technology service device to request collateral for the virtual currency, and to manage the exchange e-wallet of the loan applicant, set up exchange e-wallet, and receive the electronic wallet. Performing;
When the virtual money management server completes the pledge of the corresponding electronic wallet in the exchange where any virtual currency is received or the receipt of the loan applicant's electronic wallet from the electronic wallet to the managed electronic wallet, the virtual currency transfer completion message is received. Transmitting to the device;
Providing, by the virtual money management server, electronic wallet identification information, pledge setting completion information, or receipt completion information to the first information terminal or the financial technology service device;
Periodically checking the storage state of the virtual currency set as collateral by the virtual money management server and providing the storage state information to the first information terminal or the financial technology service device periodically or on request;
The virtual currency transfer completion message includes electronic wallet identification information, pledge setting completion information, or receipt completion confirmation information,
The management electronic wallet is a management electronic wallet operated by the virtual currency management server for each exchange to open various virtual currencies.
The storage state of the virtual currency includes electronic wallet identification information, pledge setting state information, or receipt status information,
Determining the amount of secured mortgage for the virtual currency security loan application information,
The virtual currency collateral loan financial technology service method, characterized in that the collateral loan information of the virtual currency issuing probability information, risk management information is additionally determined.
delete delete A data storage unit for storing transaction price information, transaction volume information, market share information, and mortgage rate information to be applied to a mortgage for each exchange; And
Obtains the trading price information of each virtual currency and the trading volume information of the corresponding virtual currency for each exchange, and calculates the share of trading of each virtual currency occupied by the corresponding exchange in the entire trading market based on the trading volume information; It includes a processor for differentially determining the collateral rate to be applied to the transaction price information of the virtual currency when the security loan of the same virtual currency for each virtual currency corresponding to the exchange share,
The processor determines that the higher the transaction share, the higher the mortgage rate,
The virtual currency management server communicates with a first information terminal and the processor to perform a collateral acceptance request for virtual currency, exchange e-wallet management of a loan applicant, exchange e-wallet pledge setting, and electronic wallet wearing process;
The virtual currency management server transmits a virtual money transfer completion message to the processor when a pledge is set for the corresponding electronic wallet in the exchange where any virtual currency is received or when the receipt from the loan applicant's electronic wallet to the managed electronic wallet is completed. and;
The virtual currency management server provides electronic wallet identification information, pledge setting completion information, or goods receipt completion information to a first information terminal or the processor;
The virtual currency management server periodically checks the storage state of the virtual currency set as collateral and provides the storage state information to the first information terminal or the processor periodically or upon request,
The virtual currency transfer completion message includes electronic wallet identification information, pledge setting completion information, or receipt completion confirmation information,
The management electronic wallet is a management electronic wallet operated by the virtual currency management server for each exchange to open various virtual currencies.
The storage state of the virtual currency includes electronic wallet identification information, pledge setting state information, or receipt status information,
The processor calculates the mortgage available amount of the virtual currency by applying the mortgage rate determined to have a higher mortgage rate to the transaction price information of the virtual currency as the transaction share is relatively high,
The financial technology service apparatus, characterized in that the mortgage loan amount of the virtual currency is calculated by additionally referring to the bankruptcy probability information and risk management information of the virtual currency issuing company.
A data storage unit for storing transaction price information, transaction volume information, market share information, and mortgage rate information to be applied to a mortgage of a corresponding virtual currency at each exchange for each virtual currency; And
Acquiring the trading price information of the corresponding virtual currency and the trading volume information on the corresponding exchange for each virtual currency, and based on the trading volume information, the share of each virtual currency that the corresponding exchange occupies in the entire trading market based on the trading volume information. And a processor for differentially determining a mortgage rate to be applied to the transaction price information of the corresponding virtual currency when the mortgage of the same virtual currency for each virtual currency corresponds to the exchange share.
The processor determines that the higher the transaction share, the higher the mortgage rate,
The virtual currency management server communicates with a first information terminal and the processor to perform a collateral acceptance request for virtual currency, exchange e-wallet management of a loan applicant, exchange e-wallet pledge setting, and electronic wallet wearing process;
The virtual currency management server transmits a virtual money transfer completion message to the processor when a pledge is set for the corresponding electronic wallet in the exchange where any virtual currency is received or when the receipt from the loan applicant's electronic wallet to the managed electronic wallet is completed. and;
The virtual currency management server provides electronic wallet identification information, pledge setting completion information, or goods receipt completion information to a first information terminal or the processor;
The virtual currency management server periodically checks the storage state of the virtual currency set as collateral and provides the storage state information to the first information terminal or the processor periodically or upon request,
The virtual currency transfer completion message includes electronic wallet identification information, pledge setting completion information, or receipt completion confirmation information,
The management electronic wallet is a management electronic wallet operated by the virtual currency management server for each exchange to open various virtual currencies.
The storage state of the virtual currency includes electronic wallet identification information, pledge setting state information, or receipt status information,
The processor calculates the mortgage available amount of the virtual currency by applying the mortgage rate determined to have a higher mortgage rate to the transaction price information of the virtual currency as the transaction share is relatively high,
The financial technology service apparatus, characterized in that the mortgage loan amount of the virtual currency is calculated by additionally referring to the bankruptcy probability information and risk management information of the virtual currency issuing company.
Stores virtual currency security loan application information including virtual currency information and loan condition information provided as collateral received from the first information terminal, mortgage rate information to be applied when collateral loan of each virtual currency, investment product information, and investment application information A data storage unit; And
Receiving virtual currency collateral loan application information from the first information terminal, and collateral loan of the same virtual currency for each virtual currency corresponding to each exchange corresponding to the exchange share of each virtual currency occupied in the entire trading market by each exchange Apply the mortgage rate determined differentially to the transaction price information of the virtual currency to determine the amount of the mortgage available for the virtual currency mortgage loan application information, open investment products and attract investment, and with the financial support server receiving over a communication, on the basis of second information received from the terminal application investment payment information for investment, and a processor for performing the processing of data and electronic signals to implement the mortgage loan to the virtual currency as collateral,
The processor determines that the higher the transaction share, the higher the mortgage rate,
A virtual currency management server communicates with the first information terminal and the processor to perform a collateral receipt request for virtual currency, exchange electronic wallet management of a loan applicant, exchange electronic wallet pledge setting, and electronic wallet wearing process;
The virtual currency management server transmits a virtual money transfer completion message to the processor when a pledge is set for the corresponding electronic wallet in the exchange where any virtual currency is received or when the receipt from the loan applicant's electronic wallet to the managed electronic wallet is completed. and;
The virtual currency management server provides electronic wallet identification information, pledge setting completion information, or goods receipt completion information to the first information terminal or the processor;
The virtual currency management server periodically checks the storage state of the virtual currency set as collateral and provides the storage state information to the first information terminal or the processor periodically or upon request,
The virtual currency transfer completion message includes electronic wallet identification information, pledge setting completion information, or receipt completion confirmation information,
The management electronic wallet is a management electronic wallet operated by the virtual currency management server for each exchange to open various virtual currencies.
The storage state of the virtual currency includes electronic wallet identification information, pledge setting state information, or receipt status information,
The processor determines a mortgage amount of the virtual currency by applying the mortgage rate determined to have a higher mortgage rate to the transaction price information of the corresponding virtual currency, as the transaction share is relatively high.
The financial technology service apparatus of claim 1, further comprising referring to bankruptcy probability information and risk management information of the virtual currency issuing company to determine the amount of secured mortgage of the virtual currency.
Stores virtual currency security loan application information including virtual currency information and loan condition information provided as collateral received from the first information terminal, mortgage rate information to be applied when collateral loan of each virtual currency, investment product information, and investment application information A data storage unit; And
Receiving virtual currency collateral loan application information from the first information terminal, and collateral loan of the same virtual currency for each virtual currency corresponding to each exchange corresponding to the exchange share of each virtual currency occupied in the entire trading market by each exchange The mortgage rate of the virtual currency mortgage loan application information is determined by applying the mortgage rate determined at the time differential to the transaction price information of the corresponding virtual currency, executing the mortgage loan using the virtual currency as collateral, and investing the product. A processor for establishing and performing investment attraction and processing data and electronic signals to receive an investment based on investment application information received from a second information terminal through communication with a financial support server,
The processor determines that the higher the transaction share, the higher the mortgage rate,
A virtual currency management server communicates with the first information terminal and the processor to perform a collateral receipt request for virtual currency, exchange electronic wallet management of a loan applicant, exchange electronic wallet pledge setting, and electronic wallet wearing process;
The virtual currency management server transmits a virtual money transfer completion message to the processor when a pledge is set for the corresponding electronic wallet in the exchange where any virtual currency is received or when the receipt from the loan applicant's electronic wallet to the managed electronic wallet is completed. and;
The virtual currency management server provides electronic wallet identification information, pledge setting completion information, or goods receipt completion information to the first information terminal or the processor;
The virtual currency management server periodically checks the storage state of the virtual currency set as collateral and provides the storage state information to the first information terminal or the processor periodically or upon request,
The virtual currency transfer completion message includes electronic wallet identification information, pledge setting completion information, or receipt completion confirmation information,
The management electronic wallet is a management electronic wallet operated by the virtual currency management server for each exchange to open various virtual currencies.
The storage state of the virtual currency includes electronic wallet identification information, pledge setting state information, or receipt status information,
The processor determines a mortgage amount of the virtual currency by applying the mortgage rate determined to have a higher mortgage rate to the transaction price information of the corresponding virtual currency, as the transaction share is relatively high.
The financial technology service apparatus of claim 1, further comprising referring to bankruptcy probability information and risk management information of the virtual currency issuing company to determine the amount of secured mortgage of the virtual currency. delete

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