KR20190073725A - Financial technology service method for liquidation of virtual currency using plural exchanges and apparatus thereof - Google Patents

Abstract

The present invention relates to a financial technology service method for liquidation of virtual currency using multiple exchanges and an apparatus thereof. The method comprises the steps of: allowing a financial technique service apparatus to determine a type of virtual currency from virtual currency collateral information; allowing the financial technique service apparatus to perform communication with multiple exchange servers to collect maximum bid information for each exchange with regard to the determined type of virtual currency; and allowing the financial technique service apparatus to select the exchange having the highest bid based on the collected maximum bid information for each exchange, determine the maximum bid of the selected exchange as a sale price for liquidation, and determine an amount of sale so as to accept orders for sale on the exchange having the highest bid, thereby executing the liquidation.

Description

TECHNICAL FIELD [0001] The present invention relates to a financial technology service method and apparatus for countering a virtual currency using a plurality of exchanges,

The present invention relates to a financial technology service method and apparatus for countering a virtual currency using a plurality of exchanges, and more particularly, A method of financial technology service for virtual currency counter-trade using a plurality of exchanges to be processed at plural exchanges when counter-selling of a virtual currency as a collateral is executed by a cash-out process in a state in which a virtual currency is collateralized as a collateral loan ≪ / RTI >

Peer-to-Peer (P2P) loans are a new form of borrowing, in which a large number of investors (creditors), rather than banks or investors, lend money directly to individuals or corporations.

P2P loans can be saved online by all procedures, which can reduce recruitment costs and labor costs. Investors can earn higher profits than bank interest rates. Investment targets are easier than banks and borrowers with lower interest rates than gold The market is growing rapidly due to various advantages such as the possibility of being able to do so.

With the global financial crisis and Internet-based technological innovation, the P2P loan market is showing rapid growth. In line with this, start-up companies through various business models are attracting lenders and investors.

As such, P2P loans are more convenient than traditional financial transaction methods, offer lower interest rates to loan applicants, and provide relatively high returns to investors in low-interest environments. .

On the other hand, although the origins of money are not known precisely, money has evolved from commodity money through metal money to fiat money. As the Internet became popular, electronic money appeared, and recently virtual currency called cryptocurrency appeared.

According to the European Central Bank, virtual money is used in virtual worlds like online communities and is the digital currency managed by virtual currency issuers. Virtual currency is divided into closed, unidirectional, and bidirectional currencies depending on whether currency exchange between statutory and virtual currencies is possible.

Virtual currencies are not fully equipped with legal basis compared to electronic currencies, so they are free to issue and circulate, and they display the monetary value in separate units. While electronic money is mainly exposed to operational risks, virtual money can face various risks such as legal, credit, and operational risks.

Currently, the most active virtual currency is Bitcoin, Etherium, and Linden Dollar. Bitcoin is the currency issued by public key based encryption method developed by Nakamoto Satoshi, who is known as Japanese in 2009. Bitcoin is a decentralized currency that does not have a publishing institution. It can exchange money with 16 countries' currencies and use P2P network.

In December 2017, the converted value reached US $ 190 billion, and various services using bit coins such as Bitbill and Bitcoin ATM are emerging

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

Virtual currency has grown from experimental currency to the means of payment of real goods and services. Recently, virtual money has been used as money laundering, drug trade, and speculative means, and interest in virtual money is increasing. To solve the problems of virtual money and to strengthen the soundness and sustainability of virtual money, a legal basis related to virtual money should be established. Institutional supplementary equipment should be provided to increase the stability of virtual currency value. In addition, measures should be taken to prevent abuse of virtual money, and the financial authorities of each country should establish a monitoring and supervision system so that virtual money can function properly as a means of payment.

Through such a series of processes, virtual money can be used as an alternative payment means suitable for cyberspace, and it will be able to create new value in our society.

However, bit coin is a multi-level transaction. Bitcoin has no intrinsic value like gold or silver, and its value can be determined by demand and supply. For example, before 2013, the value per bit coin was less than $ 20, but as interest in bit coin increased, it was traded at $ 12,000 per beatco in December 2017. Because bit coin itself is of no value, bit coin value is very likely to collapse if there is no demand for bit coin. If the value of the beat coin collapses or the trading system is closed, the impact on the real economy will not be negligible.

Therefore, lenders will adhere to the conservative method of valuing the value of virtual money. In the end, the actual loan amount is very small if the borrower needs to borrow it as collateral.

Therefore, if a virtual currency with high price volatility is collateralized in the process of P2P mortgage lending, a new method is needed to estimate the reasonable value of it and to accelerate the realization of the collateral in case the realization of the collateral is necessary.

In addition, in the case of P2P loans, a new scheme is required to diversify and optimize investment information to the level of investors so that investors can decide whether to invest in the investment products they want to invest.

A problem to be solved by the present invention is to provide a method and system for providing virtual money such as a bitcoin which fluctuates in terms of a price according to a supply and demand situation of a seller and a buyer on a stock exchange, A method and apparatus for providing financial technology service for countering a virtual currency using a plurality of exchanges to be processed at a plurality of exchanges when executing reverse trading of the virtual money.

The problems to be solved by the present invention are not limited to the above-mentioned problems, and other problems not mentioned can be clearly understood by those skilled in the art from the following description will be.

In the method of financial technology service for countering virtual currency using a plurality of exchanges according to one aspect of the present invention, the financial technology service device discriminates the type of virtual money from virtual currency collateral information. The financial technology service device can collect information on the highest purchase price of each exchange for the discriminated type of virtual currency by communicating with a plurality of exchange server. The financial technology service device selects the exchange with the highest bid price based on the information of the highest bid price for each exchange, determines the highest bid price of the selected exchange as the seller for the reverse bid, The buyer can place the order on the exchange with the highest price and execute the reverse trading.

In a financial technology service method for countering virtual monetary transactions using a plurality of exchanges according to another aspect of the present invention, the financial technical service apparatus receives the virtual money secured loan application information from the first information terminal, The amount of the mortgage loan is determined. The financial technical service device can open an investment product based on the virtual money secured loan application information received from the first information terminal through communication with the financial support server and perform the investment attraction. The financial technical service apparatus receives the investment money based on the investment application information received from the second information terminal and executes the mortgage loan with the virtual money as collateral to transfer the loan to the account specified in the virtual money secured loan application information Data and electronic signals.

The financial technology service device identifies the type of virtual currency from the virtual currency collateral information when there is a request for sale of the collateral. The financial technology service device can collect information on the highest purchase price of each exchange for the discriminated type of virtual currency by communicating with a plurality of exchange server. The financial technology service unit selects the exchange with the highest bid price based on the information of the highest bid price for each exchange, decides the highest bid price of the selected exchange as the seller for the reverse bid, Can execute the reverse trading by receiving an order to sell at the highest exchange.

In the financial technology service method for countering virtual currency using a plurality of exchanges according to another aspect of the present invention, the financial technology service device receives the virtual money secured loan application information from the first information terminal and stores the virtual money secured loan application information The amount of the mortgage loan is determined. The financial technical service device can execute processing of data and electronic signals for transferring the loan to the account specified in the virtual money secured loan application information by executing the secured loan by using the virtual money as collateral through communication with the financial support server have.

The financial technical service device can open an investment product based on the virtual money secured loan application information received from the first information terminal through communication with the financial support server, perform investment attraction, and receive the investment money. If the financial technology service device has a request for sale and sale of collateral, the type of virtual money is determined from the virtual money collateral information. The financial technology service device communicates with a plurality of exchange servers and collects information on the highest purchase price per each exchange for the discriminated kind of virtual currency. The financial technology service unit selects the exchange with the highest bid price based on the information of the highest bid price for each exchange, decides the highest bid price of the selected exchange as the seller for the reverse bid, Can execute the reverse trading by receiving an order to sell at the highest exchange.

Herein, in order to determine the amount of the mortgage loan, the financial technology service device receives the virtual money lending application information from the first information terminal, and in response to the transaction share of each virtual currency, The mortgage amount available for the virtual money secured loan application information can be determined by applying the mortgage rate, which is differentially determined for each virtual currency, to the transaction price information of the corresponding virtual currency for each exchange.

In addition, the financial technology service device can further carry out the interest payment based on the mortgage loan and the payment process of the investment profit through the communication with the financial support server.

Here, the selling quantity of the sell order for counter sale may be a predetermined unit selling quantity.

The financial technical service apparatus according to another aspect of the present invention may include a data storage unit for storing the highest purchase price information for each exchange of the virtual currency that is collected from each exchange server for each exchange, . Here, the processor identifies the type of virtual money from the virtual currency collateral information, collects the highest purchase price information for each type of exchanged virtual currency by communicating with a plurality of exchange servers, Based on the information of the highest number of buyers, the buyer selects the exchange with the highest bid price, determines the highest bid price of the selected exchange as the seller for the reverse bid, determines the quantity of the bid, To execute the reverse trading.

According to the present invention, when reverse trading is performed on a certain virtual currency, it is not necessary that the reverse trading is performed at one specific exchange, and the selling price is determined by selecting the highest buying bid at all of the exchanges at that time, By placing orders on the exchange and selling them, it becomes possible to sell the goods with the highest selling price on the seller side.

According to the present invention, for a virtual currency such as a bit coin, which fluctuates in a large amount depending on the supply and demand situation of a supplier and a consumer in an exchange, the virtual currency to be applied in a secured loan according to the market share or transaction volume of each exchange A reasonable collateral value for the corresponding bit coin can be calculated and a virtual money secured loan can be performed.

According to the present invention, for a given virtual currency provided as collateral for a secured loan, a corresponding exchange in which the corresponding virtual currency is received can calculate a loan amount by a formula calculated according to the transaction share and the transaction amount of the corresponding virtual currency in the entire transaction market A reasonable loan may occur as the coverage rate is applied.

According to the present invention, it becomes possible to provide the liquidity through accurate value analysis of the virtual money which is not easily recognized as the value of the collateral object.

According to the present invention, by appropriately interlocking virtual money lending, peer-to-peer (P2P) lending and crowd funding through Internet-based technology, a lender can receive a loan with his or her own virtual money as collateral, Investors can be provided with the stability and convenience of transactions and relatively high returns.

According to the present invention, it is possible to secure stability for investors by putting virtual money as collateral for individual commodities.

According to the present invention, it is possible to secure investment by securing the security of virtual money by breaking the framework of credit used in the conventional lending system.

According to the present invention, virtual money investment and mortgage can be made using P2P platform by connecting virtual money investors (loan applicants) and individual borrowers (investors) by applying virtual money and investment to PinTech in the era of P2P lending .

FIG. 1 is a diagram for explaining a financial technology service for countering a virtual currency using a plurality of exchanges according to an embodiment of the present invention. Referring to FIG.
FIG. 2 is a diagram for explaining a financial technology service for countering a virtual currency using a plurality of exchanges according to another embodiment of the present invention.
FIG. 3 is a diagram for explaining a financial technology service for countering virtual currency using a plurality of exchanges according to another embodiment of the present invention.
FIG. 4 is a view for explaining a financial technology service for countering virtual currency using a plurality of exchanges according to an embodiment of the present invention.
FIG. 5 is a diagram illustrating a financial technology service for P2P virtual money lending and reverse trading according to an embodiment of the present invention. Referring to FIG.
FIG. 6 is a diagram for explaining a financial technology service apparatus in a financial technology service for P2P virtual money lending and reverse trading according to an embodiment of the present invention.
FIG. 7 is a flowchart illustrating a method of providing a financial technology service for P2P virtual money lending and reverse trading according to an embodiment of the present invention.
FIG. 8 is a flowchart illustrating a pre-mortgage loan process in a financial technology service method for P2P virtual money lending and reverse trading according to an embodiment of the present invention.
FIG. 9 is a view for explaining a security liquidation process in a financial technology service method for P2P virtual money lending and reverse trading according to an embodiment of the present invention.
FIG. 10 is a diagram for explaining a loan due date notification process in a financial technology service method for P2P virtual money lending and reverse trading according to an embodiment of the present invention.
11 is a view for explaining a process of returning a security object in a financial technology service method for P2P virtual money lending and counter-selling according to an embodiment of the present invention.

While the invention is susceptible to various modifications and alternative forms, specific embodiments thereof are shown by way of example in the drawings and will herein be described in detail. It should be understood, however, that the invention is not intended to be limited to the particular embodiments, but includes all modifications, equivalents, and alternatives falling within the spirit and scope of the invention.

Hereinafter, a preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings.

FIG. 1 is a diagram for explaining a virtual monetary counterparty financial technology service using a plurality of exchanges according to an embodiment of the present invention.

Referring to FIG. 1, a first financial technology service apparatus 10 communicates with a plurality of exchange server 200 for a virtual monetary counterparty financial technology service using a plurality of exchanges according to an embodiment of the present invention It is possible to carry out a financial technology service method for trading against virtual currency using a plurality of exchanges.

A plurality of exchange server 200 can be installed for each exchange in order to perform a transaction of virtual currency at each exchange.

The plurality of exchange server 200 issues a transaction account to a user using each exchange and obtains transaction information including user identification information, wallet information, cash holding information, holding information per virtual currency, transaction details information, deposit and withdrawal information, You can create and manage each transaction account. Here, the wallet information may include identification information such as an address link or a QR code for giving or receiving each virtual currency. Here, one user may have one account, and one user may have more than one transaction account. Therefore, the information of the transaction account can be managed by each user or transaction account.

In addition, the plurality of exchange server 200 includes current price information, selling price information, buying price information, selling quantity information, buying quantity information, trading volume information, variation rate information, chart information, Information, buyer information, virtual money analysis information, virtual money community information, and other exchange price information can be generated and managed.

The virtual currency analysis information may include the virtual currency trend information and the virtual currency trading opinion information. The virtual currency trading opinion information may include information on selling, buying, and holding opinions of experts or members who can refer to the determination of the sale of virtual currency.

The first financial technology service device 10 issues and manages a transaction account for trading each virtual currency for each exchange. Accordingly, each exchange server 200 manages transaction accounts of the first financial technology service device 10, respectively. Wallet information is assigned to each transaction account.

For example, the first financial technology service device 10 has transaction accounts and corresponding wallet information in an A-exchange, B-exchange, C-exchange, D-exchange and E-exchange.

Therefore, when the first financial technology service device 10 executes the reverse trading for any virtual currency on the A stock exchange, the corresponding virtual money held in the transaction account assigned by the A stock exchange is determined Sell orders are generated as much as sell price and sell quantity.

Thereafter, the first financial technology service device 10 receives the virtual currency as much as the amount sold from the owner of the virtual currency collateral, which was the object of the reverse trading, and inputs it into his transaction account in the A-exchange.

At this time, the owner of the virtual currency collateral may not have a virtual currency in the A-exchange. If the owner of the virtual currency collateral has a virtual currency in the B-exchange, the owner can put the virtual currency in the account of the first financial technology service device 10 in his own account of the B-exchange.

Subsequently, the first financial technology service device 10 can issue the virtual currency in his account on the B-exchange and put it into his account on the A-exchange.

For example, a holder of a virtual money collateral may have been loaned with a mortgage of the virtual currency in his account on the B exchange. Accordingly, a pledge may be set in the account.

In the case of a counter-trade, the holder of the virtual currency collateral is not restricted to carrying out the countervailing sale of the virtual currency in his B-exchange account to the seller on the B-exchange, The counterparty can be traded at the highest bid buying price at the C, D, and E exchanges.

The first financial technology service device 10 collects the current price information of the virtual currency to be reverse-traded, the buy price information, the selling price information, the selling quantity information, and the buying quantity information from each exchange server 200 for each exchange .

The first financial technology service device 10 may collect necessary information from each exchange server 200 using the API provided by each exchange server 200, periodically or as needed.

Next, the first financial technology service device 10 calculates the exchange rate based on the exchange identification information, the buy price information, the selling price information, the selling quantity information, and the buying quantity information of the virtual currency for each exchange obtained from each exchange server 200 It is possible to generate reverse trading execution plan information for the virtual currency of the sale sale target.

The countervailing practice plan involves determining the selling price and the selling quantity that make up the sell order to execute the countervailing sale of the virtual currency.

Reverse Trading Execution Plans may be applied to the unit selling quantity reverse trading method described below. However, the present invention is not limited to this, and various reverse trading methods can be applied to determine the selling price and the selling quantity.

Unit sale quantity The reverse sell method is a method of generating a sell order on a corresponding exchange by a predetermined unit selling quantity by determining the selling price only in correspondence with the highest purchase price collected at the time of execution of the reverse selling.

Unit Sell Quantity The reverse selling method specifies the unit sale quantity per sale order for sale and sale. For example, the unit of sale quantity can be specified as 10. If the number of virtual currency to be traded is less than 10, the number is determined as the selling amount.

At the first point in time, the first financial technology service device 10 collects the purchase order information having the highest purchase price at each exchange for the first virtual currency to be reverse-traded from each exchange server 200.

For example, the first financial technology service device 10 acquires the purchase order information of the A-exchange among the A-exchange, B-exchange, C-exchange, D-exchange and E- It can be judged that it includes the data.

Then, the first financial technology service device 10 determines the highest purchase price of the A-exchange as the selling price and transmits the selling order information for selling the first 10 virtual moneys to the A-exchange server 200, .

The first financial technology service device 10 calculates the cash value secured through the first counter-transaction. The first financial technology service device 10 performs the second reverse trading procedure if it does not reach the total target amount of the counterparty.

To this end, at the second point in time, the first financial technology service device 10 collects purchase order information having the highest purchase price from each exchange server 200 on each exchange for the first virtual currency to be reverse-traded.

For example, the first financial technology service device 10 acquires purchase order information of a B-exchange among the A-exchange, B-exchange, C-exchange, D-exchange, and E- It can be judged that it contains.

Then, the first financial technology service device 10 determines the highest bid price of the B-exchange as the selling price, transmits the selling order information for selling the first 10 virtual moneys to the B-BUS server 200, .

The first financial technology service device 10 calculates the cash value secured through the second countervailing sale. The first financial technology service device 10 performs the third reverse transaction procedure if it does not reach the total target amount of the reverse transaction, and ends the reverse transaction procedure if it reaches the total target amount of reverse transaction.

Unit selling quantity The reverse selling method is the sequential order of reverse selling by the unit selling quantity. However, according to the rapidity of the computer processing speed, it is performed almost in real time, and in actual market, it may be felt that the reverse selling is performed collectively.

In this way, when reverse trading is performed on arbitrary virtual money, the selling price is determined by selecting the highest purchase price at all of the exchanges at the time of sale, not at the end of the reverse trading at one specific exchange. It is possible to trade against the highest selling price on the seller side.

To this end, the first financial technology service apparatus 10 includes a data storage unit 11 and a processor 12, and can perform a financial technology service for virtual currency counter-trade.

The data storage unit 11 may store user identification information, wallet information, cash holding information, holding information by virtual currency, transaction detail information, deposit and withdrawal information, and customer information classified by users using each exchange. Here, the wallet information may include identification information such as an address link or a QR code for giving or receiving each virtual currency.

The data storage unit 11 stores the current price information, the selling price information, the buying price information, the selling quantity information, the buying quantity information, the trading volume information, the variation rate information, the chart information, the seller information , Buyer information, virtual currency analysis information, virtual currency community information, and exchange price information.

Here, the virtual money analysis information may include the virtual money transition information and the virtual money selling opinion information. The virtual currency trading opinion information may include information on selling, buying, and holding opinions of experts or members who can refer to the determination of the sale of virtual currency.

When it is necessary to perform reverse currency trading for virtual currency, the processor 12 obtains the current price information of the virtual currency to be reverse-traded from each exchange server 200 for each exchange, the buy price information, the selling price information, Purchase quantity information can be collected. Accordingly, the processor 12 can collect the highest purchase price information from each exchange server 200.

It is possible that the processor 12 collects necessary information from each exchange server 200 periodically or as needed by using an API provided by each exchange server 200. [

The processor 12 calculates the exchange rate of the virtual currency based on the exchange identification information, the buy price information, the selling price information, the selling price information, and the buying price information of each exchange obtained from each exchange server 200 You can generate reverse marketing execution plan information. Herein, it is described that the best buy signal is generated based on the information and the reverse selling execution plan information that determines the selling price, but the present invention is not limited thereto and various modifications are possible.

The countervailing practice plan includes selecting an exchange to execute the countervailing sale of virtual currency, and determining the selling price and the selling quantity that constitute the sale order.

The processor 12 can determine that the buy order information of any exchange includes the highest buy order price based on the buy order information for each exchange collected from each exchange server 200. [ The processor 12 may select the exchange as the exchange for performing the reverse trading for the corresponding sale order for the reverse sale at that point in time.

The processor 12 determines the highest bid price of the corresponding exchange as the selling price and transmits the selling order information for selling the specified number of the first virtual currency to the corresponding exchange server 200 to perform the reverse trading.

The processor 12 calculates the cash value secured through the reverse trading. If the processor 12 has not reached the target total amount of the counterparty, the counterparty then proceeds with the counterparty transaction and ends the counterparty if the total target amount of the counterparty has been reached.

FIG. 2 is a diagram for explaining a financial technology service for countering a virtual currency using a plurality of exchanges according to another embodiment of the present invention.

Referring to FIG. 2, the second financial technology service device 20 for the financial technical service for countering virtual currency using a plurality of exchanges according to another embodiment of the present invention includes a virtual money And can perform financial technology service methods for secured loans and counter-trade.

The second financial technology service device 20 may receive the virtual money lending application information from the first information terminal 400. [

The second financial technology service device 20 transmits the security rate determined differentially for each virtual currency to each of the exchanges in accordance with the transaction share of each virtual currency in the entire transaction market for each exchange, It is possible to determine the amount of the mortgage loan amount for the virtual money lending application information by applying it to the price information.

The second financial technology service device 20 establishes an investment product based on the virtual money secured loan application information received from the first information terminal 400 through communication with the financial support server 300 and performs investment attraction .

The second financial technology service device 20 deposits the investment based on the investment application information received from the second information terminal 500 and executes the secured loan with the virtual money as collateral, It is possible to perform processing of data and electronic signals for transferring the loan to the account.

The second financial technology service device 20 may include a data storage unit 21 and a processor 22 to perform financial technology services for virtual money lending and counter-trade.

The data storage unit 21 stores information such as the mortgage application information including the virtual currency information and the loan condition information provided as the collateral received from the first information terminal 400, the mortgage rate information to be applied for the mortgage of each virtual currency, Information, and investment application information.

The data storage unit 21 may store user identification information, wallet information, cash holding information, holding information by virtual currency, transaction detail information, deposit and withdrawal information, and customer information classified by users using each exchange. Here, the wallet information may include identification information such as an address link or a QR code for giving or receiving each virtual currency.

The data storage unit 21 stores the current price information, the selling price information, the buying price information, the selling quantity information, the buying quantity information, the trading volume information, the variation rate information, the chart information, the seller information , Buyer information, virtual currency analysis information, virtual currency community information, and exchange price information.

Here, the virtual money analysis information may include the virtual money transition information and the virtual money selling opinion information. The virtual currency trading opinion information may include information on selling, buying, and holding opinions of experts or members who can refer to the determination of the sale of virtual currency.

The processor 22 may receive the virtual money lending application information from the first information terminal 400. [

The processor 22 applies the security rate determined differentially for each virtual currency to the transaction price information of the corresponding virtual currency in correspondence with the transaction share of each virtual currency owned by the corresponding exchange in the entire transaction market for each exchange It is possible to determine the amount of the mortgage loan for the virtual money lending application information.

The processor 22 executes the mortgage loan with the virtual money as the collateral, opens the investment product, and performs the investment attraction.

The processor 22 can perform processing of data and electronic signals for receiving investment funds based on the investment application information received from the second information terminal 500 through communication with the financial support server 300. [

Here, the processor 22 may additionally perform the interest payment based on the mortgage loan and the payment of the investment profit through the communication with the financial support server 300.

When the virtual money counter-trading is to be performed, the processor 22 obtains the current price information of the virtual currency to be reverse-traded from each exchange server 200 for each exchange, the buy price information, the selling price information, Purchase quantity information can be collected.

It is possible that the processor 22 collects necessary information from each exchange server 200 periodically or as needed by using an API provided by each exchange server 200. [

Then, the processor 22 calculates the price of the virtual currency for each exchange based on the exchange identification information, the buy price information, the selling price information, the selling quantity information, and the buying quantity information of each exchange obtained from each exchange server 200 You can generate reverse marketing execution plan information against currency.

The countervailing practice plan involves determining the selling price and the selling quantity that make up the sell order to execute the countervailing sale of the virtual currency.

The processor 22 can determine that the buy order information of any exchange includes the highest buy order price based on the buy order information for each exchange collected from each exchange server 200. [

The processor 22 determines the highest bid price of the corresponding exchange as the selling price and transmits the selling order information for selling the specified number of the first virtual currency to the corresponding exchange server 200 to perform the reverse trading.

The processor 22 calculates the cash value secured through the reverse trading. If the processor 22 does not reach the target total amount of the counterparty, the counterparty then proceeds to the counterparty, and if the total target amount of the counterparty has been reached, the counterparty 22 terminates the countercourse.

FIG. 3 is a diagram for explaining a financial technology service for countering virtual currency using a plurality of exchanges according to another embodiment of the present invention.

Referring to FIG. 3, the third financial technology service device 30 for the financial technical service for countering virtual money using a plurality of exchanges according to another embodiment of the present invention includes a virtual money And can perform financial technology service methods for secured loans and counter-trade.

The third financial technology service device 30 may receive the virtual money lending application information from the first information terminal.

The third financial technology service device 30 transmits the security rate determined differentially for each virtual currency to each virtual currency in accordance with the transaction share of each virtual currency in the entire transaction market for each exchange, It is possible to determine the amount of the mortgage loan amount for the virtual money lending application information by applying it to the price information.

The third financial technology service device 30 communicates data with the financial support server 300 by executing the secured loan with the virtual money as the collateral and sending the data to the account designated in the virtual money secured loan application information, Signal processing can be performed.

Next, the third financial technology service device 30 establishes an investment product based on the virtual money lending application information received from the first information terminal 400 through communication with the financial support server 400, and performs investment attraction And can receive the investment money.

To this end, the third financial technology service device 30 may include a data storage unit 31 and a processor 32 to perform a virtual money lending financial technology service.

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

The processor 32 may receive the virtual money lending application information from the first information terminal 400. [

The processor 32 applies the security ratio determined differentially for each virtual currency to the transaction price information of the corresponding virtual currency corresponding to the transaction share of each virtual currency in the exchange market for each exchange It is possible to determine the amount of the mortgage loan for the virtual money lending application information.

The processor 32 opens an investment product, performs investment attraction, deposits the investment based on the investment application information received from the second information terminal 500 through communication with the financial support server, To perform processing of data and electronic signals for executing a secured loan.

Here, the processor 32 may additionally perform the interest payment based on the mortgage loan and the payment of the investment profit through the communication with the financial support server 300. [

When it is necessary to perform reverse currency trading for the virtual currency, the processor 32 calculates the current price information of the virtual currency to be reverse-traded from each exchange server 200 for each exchange, the buy price information, the selling price information, Purchase quantity information can be collected.

The processor 32 may collect necessary information from each exchange server 200 periodically or as needed by using the API provided by each exchange server 200. [

Then, the processor 32 determines whether or not the price of the virtual sale target virtual currency based on the exchange identification information, purchase price information, selling price information, sales quantity information, and purchase quantity information of each exchange obtained from each exchange server 200 You can generate reverse marketing execution plan information against currency.

The countervailing practice plan involves determining the selling price and the selling quantity that make up the sell order to execute the countervailing sale of the virtual currency.

The processor 32 may determine that the buy order information of any exchange includes the highest buy order price based on the buy order information for each exchange collected from each exchange server 200. [

The processor 32 determines the highest bid price of the corresponding exchange as the selling price and transmits the selling order information for selling the specified number of the first virtual currency to the corresponding exchange server 200 to perform the reverse trading.

The processor 32 calculates the cash value secured through the reverse trading. If the processor 32 does not reach the total target amount of the counterparty, the counterparty then proceeds to the counterparty, and ends the counterparty if the total target amount of the counterparty has been reached.

FIG. 4 is a view for explaining a financial technology service for countering virtual currency using a plurality of exchanges according to an embodiment of the present invention.

Referring to FIG. 4, a financial technology service for a virtual money counter-trade using a plurality of exchanges 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 service company (1) comprises a plurality of exchanges (2) for performing virtual currency trading business and an affiliate finance company (3) for performing the investment deposit, loan payment, interest payment, principal repayment, And establish a business alliance.

A P2P-based financial technology service company (1) has a virtual currency (for example, a loan applicant who provides a bit coin as collateral and wants to borrow money) and an investor who wants to invest cash assets held by crowdfunding 5) can be linked to P2P loan method to perform P2P mortgage finance technology service.

A P2P-based financial technology service company (1), in cooperation with a plurality of exchanges (2), is required to execute reverse trading for virtual currency held as collateral, a financial technical service method Can be performed.

Here, the affiliated financial company (3), the applicant for the loan (4), and the investor (5) are not limited to one, but can be plural.

Since the P2P-based financial technology service company 1 has a high price volatility such as a virtual currency, for example, bit coin, and transaction prices are different from one exchange to another, when arbitrary virtual money is provided as collateral for a secured loan, It is possible to apply the loan guarantee rate according to the formula calculated according to the transaction share and transaction amount of the corresponding virtual currency in the entire transaction market.

For this purpose, the P2P-based financial technology service company (1) acquires the market share and volume information of each exchange in the entire virtual currency trading market, evaluates the value of the collateral corresponding to the result, And the amount of the loan can be calculated accordingly.

Here, the virtual money may be Bitcoin. However, the present invention is not limited thereto and may include various kinds of virtual money.

The bit coin is traded on the basis of the public key cryptosystem in the way that the bit coin electronic wallet holder trades. All bitcoin users have a pair of key values consisting of a public key acting as an address and a secret key used for electronic signatures when approving transactions. This key value can be stored in a file in the distributed database. If the file with the key value is deleted or disappears, the bit coin dealt with the key value also disappears. The bit coin user stores his / her pair of key values in the bit coin electronic wallet. The key value does not contain information related to the personal identity, so bit coin users are guaranteed anonymity.

The bit coin buyer must send his public key, which acts as an address, to the bit coin seller. The bit coin seller electronically signs the hash (hash) containing all transactions history and the public key of the bit coin buyer using his secret key. The bit coin is then moved from the bit coin seller's electronic wallet to the buyer's electronic wallet and the transaction is completed. The hash inside the bit coin stores all transactions history of the transaction target bit coin including the latest transaction history. In addition, all bit coin transactions occurring in the bit coin network are recorded in a block chain, which is disclosed to all bit coin users. Since the bit coin is traded through digital signatures, Nakamoto Satoshi defines the bit coin as a continuous digital signature.

Since the bit coin is a digital bit, there is a risk that it can be duplicated or forged and double spending. The bit coin can use a timestamp to prevent double use. The timestamp is a mechanism to confirm that there is a bit coin at the time of the transaction and that the block chain storing the transaction information of the bit coin has not been changed since the last transaction.

The bit coin trading system uses timestamps to check all transaction history related to the bit coin of the block chain and to approve the bit coin transaction only when there is no problem. When a transaction is approved, the hash stores the history of the block chain containing the transaction information and the timestamp confirmation. Bitcoin's trading system can prevent double use because it accepts transactions without problems with timestamp validation mechanisms. The time required to confirm the time stamp is several minutes to several tens of minutes.

In addition, the P2P mortgage finance technology service of the P2P financial technology service company (1) collects the funds of the investor (5) who wants to invest the cash assets possessed by the crowd funding method and executes the loan to the loan applicant.

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

 A P2P-based financial technology service company (1) can perform a collateral valuation on virtual money provided by the loan applicant (4) as collateral.

Meanwhile, a P2P-based financial technology service company (1) receives an investment application from an investor (5). The cash assets invested here may be the cash assets held by the investor (5) or the cash assets held by the third party. Here, the investor 5 may preferably be an individual, but the present invention is not limited thereto and is possible if the investor can invest cash assets. So it can be a corporation, not an individual. Also preferably, the investor 5 may be a plurality of investors and may be a plurality of investors participating in crowdfunding to form funds for a particular purpose. Preferably, the investor 5 invests the cash funds in a crowd-funded manner and is able to receive a return on investment such as interest income or equity interest.

A plurality of exchanges (2) operate respective exchanges servers and perform trading of virtual currency. The plurality of exchanges (2) use a plurality of exchange servers to exchange various virtual currencies exchanged at each exchange with information of a supplier and a consumer, transaction information, transaction price information per virtual currency, transaction amount information per virtual currency, Information can be generated and managed.

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

An affiliated financial company (3) can receive investment money from an investor (5) who has been approved by the P2P-based financial technology service company (1) to apply for investment.

The affiliate finance company 3 executes a loan to the loan applicant 4 who has been approved by the P2P financial technology service company 1 and receives the interest and principal repayment procedures from the loan applicant 4 periodically or non- You can do it regularly.

In the same way, the affiliated finance company (3) periodically or irregularly distributes the investment proceeds (such as interest on the investment) to the investor (5) who has deposited the investment, and if the investment period expires, ).

On the other hand, the P2P-based financial technology service company 1 may periodically or irregularly evaluate the collateral value of the virtual currency collateral, and if the collateral value is lowered, it may send the collateral supplementary deposit message to the lender applicant 4 have. In addition, the P2P-based financial technology service company (1) can not sell or dispose of counterfeit virtual money held as collateral if the collateral value continues to decrease even after the transfer of the collateral surplus deposit message is not made. The risk management process can be executed. The process of cashing the virtual money that is being held as collateral in this way is called the cashing process of the collateral. The maturing process of the collateral is executed when the collateral is applied to the maturity requirement of the collateral.

A P2P-based financial technology service company (1), in cooperation with a plurality of exchanges (2), is required to execute reverse trading for virtual currency held as collateral, a financial technical service method Can be performed.

P2P-based financial technology service company (1) does not perform the reverse trading from one specific exchange to the end when reverse trading is performed for arbitrary virtual money, And sells at the exchange, so that it can carry out the reverse transaction procedure which can receive the highest selling price from the seller side.

FIG. 5 is a diagram illustrating a financial technology service for P2P virtual money lending and reverse trading according to an embodiment of the present invention. Referring to FIG.

Referring to FIG. 5, in the financial technology service for P2P virtual money lending and reverse trading according to the embodiment of the present invention, the financial technology service apparatus 100 transmits the exchange server 200, the financial support server The second information terminal 500, and the virtual money management server 600 in cooperation with the first information terminal 400, the first information terminal 400, the second information terminal 500, and the virtual money management server 600, And performs processing and communication of various data and electronic signals for communication.

The financial technology service device 100 is a P2P-based financial technology service company (1) which uses P2P virtual money lending financial technology service and virtual exchange countermeasures using multiple exchanges. And the like.

To this end, the financial technology service apparatus 100 transmits various data necessary for proceeding the process of executing the loan with the virtual money managed by the virtual money management server 600 as collateral, And a processor.

In addition, the financial technology service apparatus 100 is a system in which the P2P-based financial technology service company 1 performs a cooperation operation between each exchange 2 where the virtual money transaction business is performed and an affiliated financial company 3 that performs the interest and principal repayment procedures And a processor for performing communication and processing of various data and electronic signals required for proceeding with the communication.

In addition, the financial technology service apparatus 100 connects the loan applicant 4 who desires to borrow the virtual money possessed by the company with the collateral, and the investor 5 who wants to invest the cash assets possessed by the crowdfunding method by the P2P loan method And a processor for processing and communicating various data and electronic signals required to perform the P2P secured loan financial technical service.

That is, when the financial technology service apparatus 100 receives the loan application information such as the desired loan information input through the first information terminal 400, the financial technology service apparatus 100 judges whether or not the loan can be made , And if it is determined that the loan can be made, the loan is transmitted to the loan applicant 4 through the affiliated financial institution 3 of the financial support server 300.

The financial technology service device 100 calculates the collateral value for the virtual currency collateral. The financial technology service apparatus 100 can generate quantitative and qualitative value measurement data by measuring the virtual money in various ways, such as quantitative and qualitative values for each virtual currency.

Since the financial technology service device 100 has a high price volatility such as a virtual currency, for example, a bit coin, and the price differs from one exchange to another, the transaction market share and transaction volume of the corresponding virtual money market .

The financial technology service device 100 can evaluate the value of the collateral to correspond to the investigation result of the transaction market share and the transaction amount for each exchange and determine the collateral rate and determine whether the loan can be made accordingly.

The financial technology service apparatus 100 can be configured to manage the investment money collected from the investor 5 and to transfer the loan to the loan applicant 4 determined to be loanable using the investment money, (4) to the investor and transfer the investment money collected in response to the information to the applicant (4). However, it should be understood that the present invention is not limited to such a configuration, and that various other conventional methods including the mixed configuration of the two configurations can also be applied.

The plurality of exchange server 200 may be installed for each exchange that performs transaction of virtual currency. The plurality of exchange server 200 generates and manages information of the supplier and the consumer, transaction information, transaction price information per virtual currency, transaction amount information per virtual currency, deposit information, and wallet information for various virtual currencies traded on each exchange .

The plurality of exchange server 200 can provide the transaction price information of each virtual currency and the transaction amount information or the transaction share information of the corresponding virtual currency for each exchange.

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

To this end, the financial support server 300 has a function of processing various data and electronic signals required for the affiliate financial company 3 to receive the investment money from the investor 5 who has received the investment application approval by the P2P-based financial technology service company 1 And a processor for performing communication.

In addition, the financial support server 300 executes a loan to the loan applicant 4 whose affiliated financial company 3 has received the loan approval by the P2P-based financial technology service company 1 and receives interest from the loan applicant 4 And a processor for performing processing and communication of various data and electronic signals required to periodically or irregularly perform the principal repayment procedure.

Also, the financial support server 300 periodically or irregularly performs interest on the investment money to the investor 5 to which the affiliate financial company 3 has deposited the investment, and if the investment period expires, And a processor for performing communication and processing of various data and electronic signals required to proceed to the return of the electronic signal.

FIG. 6 is a diagram for explaining a financial technology service apparatus in a financial technology service for P2P virtual money lending and reverse trading according to an embodiment of the present invention.

Referring to FIG. 6, the financial technology service apparatus 100 may include a data storage unit 110 and a processor 120.

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

Here, the virtual currency information for each exchange may include transaction price information, transaction amount information, market share information, and collateral rate information to be applied at the respective exchanges for each virtual currency.

The data storage unit 110 may store user identification information, wallet information, cash holding information, holding information by virtual currency, transaction detail information, deposit and withdrawal information, and customer information classified by users using each exchange. Here, the wallet information may include identification information such as an address link or a QR code for giving or receiving each virtual currency.

The data storage unit 1101 stores the current price information, the selling price information, the buying price information, the selling quantity information, the buying quantity information, the trading volume information, the variation rate information, the chart information, the seller information , Buyer information, virtual currency analysis information, virtual currency community information, and exchange price information.

Here, the virtual money analysis information may include the virtual money transition information and the virtual money selling opinion information. The virtual currency trading opinion information may include information on selling, buying, and holding opinions of experts or members who can refer to the determination of the sale of virtual currency.

The processor 120 may receive the mortgage application information for requesting the loan from the first information terminal 400 with the virtual money as collateral.

The processor 120 may communicate with the first information terminal 400 and provide screen information to the first information terminal 400 for receiving the secured loan application information from the first information terminal 400 .

The processor 120 performs a collateral valuation process on the virtual money provided as collateral. For this, the processor 120 can calculate the security value of the corresponding virtual money based on the mortgage application information input from the first information terminal 400 and the virtual currency information of each exchange.

The processor 120 uses the transaction price information, transaction amount information, market share information, and security ratio information of the corresponding virtual currency on each exchange for each virtual currency as virtual currency information for each exchange, Value can be calculated.

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 against virtual money by data and analysis techniques. The risk management information may include virtual currency price fluctuation information for each exchange that is perceived in real time.

Here, the virtual currency provided as collateral may be a virtual currency held by the applicant (4), or may be a virtual currency held by a third party. The present invention is not limited thereto and may be provided as a virtual currency collateral under various conditions that can be traded in a virtual currency trading market.

The processor 120 receives an investment application signal from the second information terminal 500. The processor 120 may communicate with the second information terminal 500 and provide screen information to the second information terminal 500 to receive investment application information from the second information terminal 500. [

The cash assets invested here may be the cash assets held by the investor (5) or the cash assets held by the third party.

For example, the loan repayment method may include a principal repayment maturity repayment method, principal repayment method, and interest monthly payment method.

When the virtual money counter-selling is to be performed, the processor 120 obtains the current price information of the virtual currency to be counter-traded from each exchange server 200 for each exchange, the buy price information, the selling price information, Purchase quantity information can be collected.

It is possible that the processor 120 collects necessary information from each exchange server 200 periodically or as needed by using the API provided by each exchange server 200. [

Next, the processor 120 determines whether or not the virtual sale target virtual exchange target virtual exchange target virtual exchange virtual exchange target virtual exchange target virtual exchange transaction information You can generate reverse marketing execution plan information against currency.

The countervailing practice plan involves determining the selling price and the selling quantity that make up the sell order to execute the countervailing sale of the virtual currency.

The processor 120 may determine that the buy order information of any exchange includes the highest buy order price based on the buy order information of each exchange collected from each exchange server 200. [

The processor 120 determines the highest bid price of the corresponding exchange as the selling price and transmits the selling order information for selling the specified number of the first virtual currency to the corresponding exchange server 200 to perform the reverse trading.

The processor 120 calculates the cash value secured through counter-trade. If the processor 120 does not reach the total target amount of the counterparty, the counterparty then proceeds to the counterparty, and if the total target amount of the counterparty has been reached, the counterparty terminates the countercourse.

The financial support server 300 performs a financial transaction process for communicating with the second information terminal 500 of the investor 5 who has received the investment application approval from the financial technology service apparatus 100 and receiving the investment money.

The financial support server 300 performs a loan progress process for the loan applicant who has been approved for loan by the financial technology service apparatus 100 and performs the process of depositing the loan to the deposit account designated by the loan applicant. To this end, the financial support server 300 communicates with the financial technology service apparatus 100 and transmits the deposit account information included in the secured loan application information received from the first information terminal 400 And stores it. In addition, the financial support server 300 communicates with the first information terminal 400 of the lender applicant 4 to periodically or irregularly perform the interest and principal repayment process.

Similarly, the financial support server 300 conducts a financial transaction process in which the investor 5 depositing the investment money deposits the interest into the designated deposit account. To this end, the financial support server 300 communicates with the financial technology service apparatus 100 to transmit the deposit account information included in the investment application information received from the second information terminal 500 to the financial technology service apparatus 100 Receiving and storing. The financial support server 300 performs a financial transaction process in which the investment money is returned to the investor 5 account when the investment period expires.

The first information terminal 400 and the second information terminal 500 are connected to the financial technology service apparatus 100, the financial support server 400 and the virtual money management server 600 via the communication network, They can be connected to each other wirelessly.

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

The Internet includes many services that exist in the upper layer of the TCP / IP protocol such as Hyper Text Transfer Protocol (HTTP), Telnet, File Transfer Protocol (FTP), Domain Name System (DNS), Simple Mail Transfer Protocol (NFS), and Network Information Service (NIS), for example. The first information terminal 400 and the second information terminal 500 are arranged in such a manner that the loan applicant 4 and the investor 5 are provided to the financial technology service apparatus 100, the financial support server 400, the virtual money management server 600, Lt; RTI ID = 0.0 > and / or < / RTI > 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. As an embodiment of the asynchronous mobile communication network, a WCDMA (Wideband Code Division Multiple Access) communication network is exemplified. In this case, although not shown in the figure, the mobile communication network may include, for example, a Radio Network Controller (RNC) or the like. Meanwhile, although the WCDMA network is taken as an example, it may be a next generation communication network such as a 3G LTE network, a 4G network, and a 5G network, or an IP network based on other IPs. Such a communication network communicates signals and data between the first information terminal 400, the second information terminal 500 and the financial technology service apparatus 100, the financial support server 400 and the virtual money management server 600 Role.

The first information terminal 400 and the second information terminal 500 are connected to the financial technology service apparatus 100, the financial support server 400 and the virtual money management server 600 through a communication network, May be any type of wired or wireless communication device available.

For example, the first information terminal 400 and the second information terminal 500 may include various mobile terminals communicating through the wireless Internet or the portable Internet. In addition, the first information terminal 400 and the second information terminal 500 may include a Palm PC, a smart phone, A financial service apparatus 100 such as a mobile game machine, a Digital Multimedia Broadcasting (DMB) phone having a communication function, a tablet PC, an iPad, a financial support server 400, a virtual money management server 600, or any other wired / wireless home appliances / communication devices having a user interface for connecting to the Internet.

Particularly, when the first information terminal 400 and the second information terminal 500 are implemented as a normal smart phone, the smart phone is not limited to a general mobile phone (a feature phone) Application As a phone based on an open operating system that can be freely used and deleted by downloading the program, it is possible to use not only general voice / video call, Internet data communication, but also all mobile phones Or a communication device that does not have a voice call function but includes all Internet phones or Tablet PCs that can access the Internet.

These smart phones can be implemented as smart phones with various open operating systems. Open operating systems include, for example, Symbian of NOKIA, BlackBerry of RIMS, iPhone of Apple, Microsoft's Windows Mobile, Google's Google Android, and Samsung's ocean.

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

That is, the smartphone basically includes a control unit, 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-

The control unit is a general term for a functional configuration for controlling the operation of the smartphone, and includes at least one processor and an execution memory, and is connected to each functional unit included in the smart phone through a bus (BUS).

The controller controls the operation of the smartphone by loading at least one program code included in the smartphone into the execution memory through the processor, calculating the result of the calculation, and transmitting the result to the at least one functional component through the bus.

 The memory unit is a generic term of the nonvolatile memory included in the smartphone, and stores and maintains at least one program code executed through the control unit and at least one data set in which the program code is used. 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, at least one application program code and an application data set, The program code and the data set for implementing the present invention are also stored in the memory unit.

 The screen output unit is composed of a screen output device (e.g., LCD, LED device) and an output module for driving the screen output device. The screen output unit is connected to the control unit through a bus and outputs the calculation result corresponding to the screen output among various calculation results of the control unit to the screen output device .

 The key input unit comprises a key input device (or a touch screen device in cooperation with a screen output unit) having at least one key button and an input module for driving the key input unit. The control unit is connected to the control unit via a bus, Or inputs data necessary for the operation of the control unit.

The sound output unit is composed of a speaker for outputting a sound signal and a sound module for driving a speaker. The sound output unit is connected to the control unit through a bus, and outputs results of arithmetic operations corresponding to sound output among various operation results of the control unit through a speaker. The sound module decodes the sound data to be outputted through the speaker and converts it 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 the sound data input through the microphone to the control unit. The sound module encodes and encodes a sound signal input through a microphone.

The camera unit is composed of an optical unit, a CCD (Charge Coupled Device) and a camera module for driving the CCD unit, and obtains bitmap data input to the CCD through the optical unit. The bitmap data may include both still image data and moving image data.

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 a radio frequency signal of a specific frequency band. And transmits the calculation result corresponding to the wireless communication through the wireless communication among the various calculation results of the control unit or receives the data through the wireless communication and transmits the data to the control unit, The procedures of

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

The 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 predetermined distance. Preferably, the short-range wireless communication module includes RFID communication, Bluetooth communication, Wi- And communication. Also, the short-range wireless communication module may be integrated with the wireless network communication module.

The virtual money management server 600 communicates with the first information terminal 400 and the financial technology service device 100 to request a collateral acceptance for virtual currency and to manage the exchange electronic wallet of the loan applicant 4, Set up electronic wallet plundering, process electronic wallet.

When the virtual money management server 600 sets the voucher for the corresponding electronic wallet in the exchange on which the arbitrary virtual currency is received or the goods from the electronic wallet of the applicant to the management electronic wallet is completed, To the service apparatus 100. The virtual money transfer completion message may include electronic wallet identification information, pledge setting completion information, or receipt completion confirmation information. Here, the management electronic wallet refers to an electronic wallet for management which is operated by the virtual money management server 600 for each exchange to operate various virtual currencies.

The virtual money management server 600 may provide the electronic wallet identification information, the voucher setting completion information, or the 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 status of the virtual money set as the collateral and provide the storage status information periodically or upon request to the first information terminal 400 or the financial technology service apparatus 100 have. Here, the storage state of the virtual money may include electronic wallet identification information, pledge setting status information, or goods receipt status information.

FIG. 7 is a flowchart illustrating a method of providing a financial technology service for P2P virtual money lending and reverse trading according to an embodiment of the present invention.

Referring to FIG. 7, the financial technology service apparatus 100 receives virtual money lending application information from the first information terminal 400 (S10).

Here, the mortgage application information includes the type of virtual money to be collateralized, the amount of virtual money, the exchange information, the desired loan amount, the loan condition, the deposit account number, the name, the telephone number, the e-mail address, can do.

The mortgage evaluation rating may include the loan applicant's virtual money investment trustworthiness rating calculated and provided by the mortgage evaluation process of the financial technology service device 100. [ The virtual money investment trustworthiness rating grade is based on the absolute rating based on the profit rate of the applicant's virtual money trading information and the relative valuation based on the first evaluation rating And a third evaluation class calculated by synthesizing the second evaluation class.

To this end, the financial technology service apparatus 100 communicates with the first information terminal 400 and provides screen information for receiving the mortgage 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 agreement agreement screen, a member information input screen, a loan item selection screen, and a loan condition input screen for inputting virtual money secured loan application information.

The financial technology service apparatus 100 performs loan examination based on the virtual money lending application information received from the first information terminal 400 and applies the differential lending rate according to the virtual currency exchange information to calculate the secured loan amount calculation process (S20).

The financial technology service apparatus 100 can calculate the mortgage loan amount of the virtual money by referring to the bankruptcy probability information and the risk management information of the virtual money issuer in addition to the virtual money market information.

The bankruptcy probability information of the virtual page issuer can be generated by the advisory support server 200 by executing various scenario access processes for the virtual currency.

Risk management information can be generated by evaluating the value of the collateral against the virtual currency to be evaluated by data and analysis techniques. The risk management information may include information on the mortgage rate change that is grasped in real time.

The financial technical service apparatus 100 can determine whether the mortgage can be loaned by examining the possibility of the mortgage evaluation and the possibility of lending for the virtual money lending application information. If it is determined that the secured lending is possible, the lendable guidance information is transmitted to the first information terminal 400. If it is determined that the secured lending is not possible, the non-lending guidance information may be transmitted to the first information terminal 400 .

If it is determined that the secured loan can be made, the financial technology service apparatus 100 performs the virtual money secured loan pre-process through the communication of the first information terminal 400 (S30).

To this end, the first information terminal 400 may access the integrated network and perform the redemption condition virtual currency transfer process. For the redemption condition virtual money transfer process, the first information terminal 400 can access the integrated network and perform the corresponding process.

The virtual currency management server 600 performs the pledge setting for the corresponding electronic wallet in the exchange on which the arbitrary virtual money is received or the goods receipt from the electronic purse of the loan applicant into the management electronic wallet .

The virtual money management server 600 transmits a virtual money transfer completion message to the financial technology service apparatus 100 when the voucher is set for the electronic wallet in which the virtual currency is received or the entry into the management electronic wallet is completed. The virtual money 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 money transfer completion message from the first information terminal 400. [ To this end, the first information terminal 400 may receive an input signal from the loan applicant to confirm that the virtual money transfer has been completed.

The financial technology service apparatus 100 opens an investment product based on the secured loan application information received from the first information terminal 400 when the virtual money secured loan pre-process is completed, (500) can be browsed so that the investor can apply for investment and receive the investment money from the investor (S40).

At this time, the financial technology service apparatus 100 can display the investment goods information so that the investment goods in which the second information terminal 500 is opened can be browsed for investment attraction. The investment product information may include collateral information, investment decision information, and loan condition information.

The collateral information may include information on the collateral that can be viewed by the investors from the collateral application information. For example, the collateral information may include the type of virtual currency to be collateralized, the amount of the loan, the terms of the loan, and the collateral rating.

The investment decision information may include investment decision information to which information asymmetry is applied. For example, investment decision information to which information asymmetry is applied may include formal investment decision information and non-standardized investment decision information. Here, the investment decision information formatted in the form of investment is determined by the financial technology service apparatus 100 based on the virtual money lending application information received from the first information terminal 400, And may include judgment information. For example, the formalized investment decision information may include quantified indicators quantitatively with respect to the feasibility evaluation and loan possibility of the virtual money lending application information.

At this time, the financial technology service apparatus 100 may communicate with the first information terminal 400 and proceed with the investment inducement after the settlement of the platform fee is completed.

If the financial technical service apparatus 100 requests the cancellation of the mortgage loan proceeding from the first information terminal 400 after the investment inducement is completed or after the investment attraction is completed, the deposited funds and the platform fee are allocated to the investment application information It is possible to carry out the process of refunding the investor's account and the platform fee refund process (S50). However, the present invention is not limited thereto, and the investment and platform fee refund process may be selectively applied or omitted according to the service policy.

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

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

To this end, the financial support server 300 transmits the loan to the loan applicant 4, which has been approved by the P2P-based financial technology service company 1, ) Conducts the processing and communication of various data and electronic signals necessary for periodically or irregularly performing interest payment or principal repayment procedures.

Also, the financial support server 300 periodically or irregularly provides the investor 5 who has deposited the investment money with the investment profit such as interest on the investment money.

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

To this end, the financial technology service apparatus 100 may periodically or irregularly receive the storage status information about the virtual money that is received or transferred from the archive support server 600.

In addition, the financial technology service apparatus 100 may periodically or irregularly perform a security value evaluation for the collateral, and may transmit a security deposit additional deposit message to the first information terminal 300 when the collateral value falls . In addition, if the security value service device 100 continues to receive a collateral value even though the security deposit is not transferred despite the transmission of the security deposit message, the counterparty 100 may not be able to secure the risk Management process can be executed. The process of cashing the virtual money that is being held as collateral in this way is called the cashing process of the collateral. The maturing process of the collateral is executed when the collateral is applied to the maturity requirement of the collateral.

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

To this end, the financial technology service apparatus 100 transmits a loan expiry notification message to the first information terminal 400 when the expiration date of the loan expires, and if it is determined that the expiration date of the loan expires, Process, process the rights transfer process for the collateral, and proceed with the process of signing the collateral for the collateral.

On the other hand, the financial technology service apparatus 100 can perform the collateral return processing process when the loan is repaid (S90).

To this end, the first information terminal 400 requests the financial technology service apparatus 100 for the return of the collateral, performs the collateral delivery process, and completes the return of the collateral through the confirmation of the collateral.

FIG. 8 is a flowchart illustrating a pre-mortgage loan process in a financial technology service method for P2P virtual money lending and reverse trading according to an embodiment of the present invention.

Referring to FIG. 8, the first information terminal 400 transmits the collateral receipt request information to the financial technology service apparatus 100 for the pre-mortgage loan process for virtual money (S31). To this end, the financial technology service apparatus 100 may provide the first information terminal 400 with menu screen information for allowing the first information terminal 400 to request the collateral reception for the virtual money. Accordingly, the first information terminal 400 can complete the acceptance of the collateral for the virtual currency from the menu displayed on the screen information provided by the financial technology service device 100. [

Accordingly, the first information terminal 400 can access the integrated network and perform the redemption condition virtual currency transfer process. For the redemption condition virtual money transfer process, the first information terminal 400 can access the integrated network and perform the corresponding process.

The first information terminal 400 transmits the repurchase condition contract completion information to the financial technology service device 100 (S32). To this end, the financial technology service apparatus 100 may provide the first information terminal 400 with menu screen information for allowing the first information terminal 400 to transmit the re-sale condition contract completion information. Accordingly, the first information terminal 400 can transmit the re-sale condition contract completion information from the menu displayed on the screen information provided by the financial technology service device 100. [ Here, the screen information provided by the financial technology service apparatus 100 may include redemption condition agreement information and contract agreement agreement confirmation information. In this case, the redemption condition is that if the requested procedure such as the payment of the interest paid for the loan is not followed after the virtual money is loaned as collateral or if the value of the corresponding virtual money falls below the collateral price, And may include redemption conditions for the virtual currency to disperse the risk factors of the investor.

The first information terminal 400 transmits a virtual money transfer completion message to the financial technology service device 100 (S33). To this end, the financial technology service apparatus 100 may provide menu screen information to the first information terminal 400 so that the first information terminal 400 can transmit the virtual money transfer completion message. Accordingly, the first information terminal 400 can transmit the transfer completion message for the virtual money from the menu displayed on the screen information provided by the financial technology service apparatus 100. [ Here, the screen information provided by the financial technology service apparatus 100 may include screen information for receiving electronic wallet identification information, security setting completion information, and receipt completion confirmation information. Accordingly, the first information terminal 400 uploads the electronic wallet identification information, the guarantee setting completion confirmation information, and the receipt completion confirmation information from the menu displayed on the screen information provided by the financial technology service apparatus 100, Or the goods receipt completion information to the financial technology service device 100. [ The completion of the security setting or the completion of the receipt of the security set transmitted from the first information terminal 400 to the financial technology service apparatus 100 may be transmitted from the virtual money 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 security setting completion confirmation information, and the receipt completion confirmation information from the virtual money management server 600. [

FIG. 9 is a view for explaining a security liquidation process in a financial technology service method for P2P virtual money lending and reverse trading according to an embodiment of the present invention.

Referring to FIG. 9, when the financial technology service apparatus 100 approached or fulfilled the requirement for realizing collateralization of the collateral against the collateral, the collateral execution notification message of the collateral including the payment guide of the maintenance margin for maintaining the collateral To the information terminal 400 (S71). Basically, the requirement to carry out the realization of the collateral may include the value of the collateral falling below the collateral retention line.

If it is determined that the maintenance margin is in an unpaid state so that the predetermined date has elapsed, the financial technology service apparatus 100 starts the cash-in process of the virtual money (S72).

The financial technology service device 100 proceeds with the selling process for the virtual money as the collateral. The proceeding of the selling process can be performed using a plurality of exchanges for virtual currency reverse trading. In addition, various cash collateralization processes can be appropriately adopted and used.

In the case where the counterparty 100 needs to perform counter currency trading, the financial technology service apparatus 100 transmits the current price information of the virtual currency to be exchanged from each exchange server 200 for each exchange, the buy price information, the selling price information, Quantity information, and purchase quantity information (S73). Here, the financial technology service apparatus 100 may collect information on the highest purchase price per exchange from each exchange server 200.

It is possible that the financial technology service apparatus 100 collects necessary information from each exchange server 200 periodically or as needed by using an API provided by each exchange server 200. [

Then, the financial technology service apparatus 100 receives the exchange transaction information based on the exchange identification information, purchase price information, selling price information, selling quantity information, and purchase quantity information of each of the exchanges acquired from each exchange server 200 Reverse trading execution plan information can be generated for the virtual currency of the object (S74). Here, the financial technology service apparatus 100 can establish reverse trading execution plan information based on the highest bid price information per exchange collected from each exchange server 200.

The countervailing practice plan involves determining the selling price and the selling quantity that make up the sell order to execute the countervailing sale of the virtual currency.

The financial technology service apparatus 100 can determine that the buy order information of any exchange among the various exchanges based on the buy order information of each exchange collected from each exchange server 200 includes the highest buyer's price.

The financial technology service apparatus 100 determines the highest bid price of the exchange as the selling price for the counter-selling and transmits the selling order information for selling the specified number of the first virtual currency to the corresponding exchange server 200, (S75).

The financial technology service apparatus 100 calculates a cash value secured through counter-trade (S76). If the processor 120 does not reach the total target amount of the counterparty, the counterparty transaction is then performed (S77, S73), and if the total target amount of the counterparty has been reached, the counterparty transaction is terminated (S78).

The financial technology service apparatus 100 transfers the remaining balance to the applicant for loan (S79), except for the amount to be returned to the investor when the sale process is completed and the corresponding collateral is put into cash.

FIG. 10 is a diagram for explaining a loan due date notification process in a financial technology service method for P2P virtual money lending and reverse trading according to an embodiment of the present invention.

Referring to FIG. 10, the financial technology service apparatus 100 transmits a loan due date notice message to the first information terminal 400 (S81) when the loan expires.

If the financial technology service apparatus 100 determines that the expiration date of the loan expires, the process proceeds to the transferring of the name (S82). To this end, the financial technology service apparatus 100 transmits a name transfer request signal to the financial support server 300.

The financial technology service apparatus 100 proceeds with the right transfer process for the corresponding virtual money collateral upon completion of the name transfer process for the virtual money collateral (S83). To this end, the financial technology service device 100 may transmit a rights pumping request signal to the financial support server 300. [

The financial technology service apparatus 100 proceeds with the sale contract process for the collateral after the rights transfer process for the virtual money collateral is completed (S84). The financial technology service apparatus 100 completes the sale of the virtual money collateral.

11 is a view for explaining a process of returning a security object in a financial technology service method for P2P virtual money lending and counter-selling according to an embodiment of the present invention.

Referring to FIG. 11, the first information terminal 400 transmits a virtual money secured object return processing request to the financial technology service device 100 (S91). Accordingly, the financial technology service device 100 transmits the electronic wallet shipment request information to the virtual money management server 600 (S92). Accordingly, the virtual money management server 600 performs a virtual money delivery process. The first information terminal 400 transmits the virtual currency collateral authentication confirmation information to the financial technology service device 100 (S93). To this end, the financial technology service apparatus 100 may provide menu screen information to the first information terminal 400 to allow the first information terminal 400 to transmit the virtual money collateral authentication confirmation information. Accordingly, the first information terminal 400 can transmit the virtual money collateral authentication confirmation information from the menu displayed on the screen information provided by the financial technology service apparatus 100. Upon receipt of the virtual money collateral authentication confirmation information from the first information terminal 400, the financial technology service device 100 performs the virtual money collateral return completion process (S94)

In the embodiment of the present invention, a P2P virtual money lending financial technology service method for storing a virtual currency and executing a loan to a lender by using the stored virtual money as collateral has been described in detail.

We also explained how to raise money for investors who want to invest their cash assets in a crowd-funded way, and lend them to the applicant.

However, in the embodiment of the present invention, the description of the conventional procedures of the virtual money lending, the P2P lending, the crowd funding, and the processing of the data and the electronic signal for performing the procedure may be omitted. As a result, the P2P virtual money lending financing system of the present invention can be applied to a variety of financial institutions, It can be seen that a variety of technical service methods can be implemented.

In addition, in an embodiment of the present invention, the virtual money lending application information includes a loan desired amount and a virtual money investment reliability evaluation rating, and the virtual money investment trustworthiness evaluation rating reflects the profit rate according to the lender's virtual money trading information And the second evaluation grade based on the relative profit, which is calculated by linking the first assessment grade with the change rate of the market information to the first evaluation grade.

Accordingly, in another embodiment of the present invention, a P2P mortgage finance technology service method can be implemented by applying a virtual money investment reliability evaluation based on virtual money investment performance. In other words, the relative profit-based investment performance calculated based on the virtual money trading information of the evaluation target person such as the virtual money investor and the investment profit based on the relative profit calculated by associating the composite index, , It is possible to determine the financial transaction limit in the case of virtual money lending or investment attraction by calculating the evaluation grade for evaluating the reliability of the virtual money investment of the evaluation subject and perform the P2P secured lending financial technology service on the basis thereof.

For this purpose, the financial service apparatus according to an embodiment of the present invention calculates a credit rating based on the absolute profit and the relative profit of a professional investor who desires a loan in the loan limit calculation method for evaluating the trustworthiness of the virtual money investment based on the performance of the virtual money investment, Can be calculated.

The history of trades conducted by professional investors who wish to lend can be used to gauge the success of investment and the probability of future investment success. And the more data there is, the more reliable the rating will be. This part represents an absolute return-based investment performance.

However, if the investment performance based on the absolute profit is reflected and the investment performance based on the relative profit is reflected, the meaning of the virtual money investment trust evaluation is properly implemented in the P2P virtual money lending financial technology service method, and the loan amount Can be sophisticatedly calculated.

In addition, in the present invention, when various virtual currencies traded on a plurality of exchanges are to be traded against, it is not limited to performing reverse trading on a specific exchange, and the best buying quotes among all exchanges are selected at that time, The buyer decided to sell the price at the selling price for the countertrade and sell the countertop at the highest selling price by executing the countertop at the exchange.

However, the present invention is not limited to virtual currency but is traded at each exchange, and it can be applied to the opposite transaction of various digital assets in which the transaction value changes every time according to the supply and demand of sellers and buyers.

Here, digital assets can be recorded on a computer-readable recording medium, digitally processed, held at a specific point in time, and offered to sellers and buyers to sell and buy, It can include all assets that can be traded.

While the invention has been shown and described with reference to certain preferred embodiments thereof, it will be understood by those skilled in the art that various changes and modifications may be made without departing from the spirit and scope of the invention as defined by the appended claims. Accordingly, the true scope of the present invention should be determined by the following claims.

Claims (10)

The financial technology service device discriminating the type of virtual money from the virtual money collateral information;
The financial technology service device communicating with a plurality of exchange server and collecting information on the highest purchase price per each exchange for the discriminated type of virtual currency;
Based on the information of the highest bid price for each of the exchanges collected by the financial technical service apparatus, the stock exchange having the highest bid price is selected, the highest bid price of the selected exchange is determined as the seller for the reverse bid, And performing reverse trading by receiving an order for sale on the exchange having the highest bid price.
Receiving the virtual money lending application information from the first information terminal and determining the amount of the secured lending for the virtual money lending application information;
Opening the investment product based on the virtual money secured loan application information received from the first information terminal through the communication with the financial support server and performing the investment attraction;
The financial technical service apparatus deposits the investment based on the investment application information received from the second information terminal and executes the mortgage loan with the virtual money as collateral to transfer the loan to the account specified in the virtual money secured loan application information Performing processing of data and an electronic signal for performing the processing;
Determining a type of virtual money from the virtual money collateral information when the financial technical service device requests a sale and purchase of the collateral;
The financial technology service device communicating with a plurality of exchange server and collecting information on the highest purchase price per each exchange for the discriminated type of virtual currency; And
Based on the information of the highest bid price for each of the exchanges collected by the financial technical service apparatus, the stock exchange having the highest bid price is selected, the highest bid price of the selected exchange is determined as the seller for the reverse bid, And performing reverse trading by receiving an order for sale on the exchange having the highest bid price.
Receiving the virtual money lending application information from the first information terminal and determining the amount of the secured lending for the virtual money lending application information;
The financial technical service device executes processing of data and electronic signals for transferring the loan to the account specified in the virtual money secured loan application information by executing the secured loan by using the virtual money as collateral through communication with the financial support server ;
Establishing an investment item based on the virtual money secured loan application information received from the first information terminal through the communication with the financial support server, receiving the investment money by performing the investment attraction; And
Determining a type of virtual money from the virtual money collateral information when the financial technical service device requests a sale and purchase of the collateral;
The financial technology service device communicating with a plurality of exchange server and collecting information on the highest purchase price per each exchange for the discriminated type of virtual currency; And
Based on the information of the highest bid price for each of the exchanges collected by the financial technical service apparatus, the stock exchange having the highest bid price is selected, the highest bid price of the selected exchange is determined as the seller for the reverse bid, And performing reverse trading by receiving an order for sale on the exchange having the highest bid price.
The method according to claim 2 or 3,
The step of determining the mortgage amount includes:
The financial technical service apparatus receives the virtual money lending application information from the first information terminal and calculates the difference value of each virtual currency for each exchange according to the transaction share of each virtual currency in the entire transaction market for each exchange, A method of applying a financial technology service for a virtual currency counterparty using a plurality of exchanges to determine a value of a mortgage loan for the virtual money lending application information by applying a mortgage rate determined in a virtual currency to transaction price information of the virtual currency.
The method according to claim 3 or 4,
Further comprising the step of performing the interest payment and investment payment payment process based on the secured loan through the communication with the financial support service server by the financial technical service device.
4. The method according to any one of claims 1 to 3,
Wherein the selling quantity of the sell order for the counter sale is a predetermined unit sale number.
A data storage unit for storing information on the highest purchase price of each exchange for each of the exchanges; And
The type of the virtual currency is discriminated from the virtual currency collateral information, and the communication with the plurality of exchange server is performed to collect information on the highest purchase price of each exchange for the discriminated type of virtual currency, and the collected highest purchase price Based on the information, selects the exchange having the highest bid price, determines the highest bid price of the selected exchange as the seller for the reverse bid, determines the quantity of the bid to be sold to the exchange having the highest bid price, And a processor for executing the service.
8. The method of claim 7,
The data storage unit stores transaction price information, transaction amount information, market share information, and security ratio information to be applied for a secured loan in each exchange for each virtual currency,
The processor obtains the transaction price information of the corresponding virtual currency at each exchange and the transaction amount information at the corresponding exchange for each virtual currency, and acquires the transaction amount information of each virtual currency at each exchange based on the transaction amount information, And determines a security ratio to be applied to the transaction price information of the corresponding virtual currency in a mutually exclusive manner for each virtual currency in each exchange according to the transaction share.
8. The method of claim 7,
The data storage unit includes virtual money lending application information including virtual currency information and loan condition information provided as collateral received from the first information terminal, security rate information to be applied to each virtual currency in a secured loan, investment product information, The application information is stored,
The processor receives the virtual money lending application information from the first information terminal, and distributes the virtual money to each virtual exchange in accordance with the transaction share of each virtual currency in each exchange, Determining a secured loan amount for the virtual money secured loan application information by applying the determined secured rate to the transaction price information of the corresponding virtual currency, establishing an investment product, performing investment attraction, communicating with the financial support server, Wherein the financial information service device performs processing of data and electronic signals for depositing the investment based on the investment application information received from the second information terminal and executing the secured loan by using the virtual money as collateral.
8. The method of claim 7,
The data storage unit includes virtual money lending application information including virtual currency information and loan condition information provided as collateral received from the first information terminal, security rate information to be applied to each virtual currency in a secured loan, investment product information, The application information is stored,
The processor receives the virtual money lending application information from the first information terminal and calculates a differential value of each virtual currency for each exchange according to the transaction share of each virtual currency in the entire transaction market for each exchange, To the transaction price information of the corresponding virtual currency to determine the amount of the secured loan for the virtual money secured loan application information, executes the secured loan by using the virtual money as the security, opens the investment product, And a processor for performing processing of data and electronic signals for receiving investment funds based on the investment application information received from the second information terminal through communication with the financial support server.

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