WO2021015464A1

WO2021015464A1 - Investment method based on blockchain and device using method

Info

Publication number: WO2021015464A1
Application number: PCT/KR2020/009077
Authority: WO
Inventors: 최재희; 이재용; 예창완
Original assignee: 주식회사 카사코리아
Priority date: 2019-07-19
Filing date: 2020-07-10
Publication date: 2021-01-28
Also published as: KR20210010109A; TW202109429A; KR102267655B1

Abstract

The present invention relates to an investment method based on blockchain and a device using said method. The investment method based on blockchain may include: a step for an investment service providing node to transmit information about an investment product to a user node; and a step for the investment service providing node to transmit digital marketable securities to the user node participating in a public offering of the investment product.

Description

Blockchain-based investment methods and devices using these methods

The present invention relates to a blockchain-based investment method and an apparatus using such a method. More specifically, it relates to a method and apparatus for providing personal investment services for investment products based on a blockchain platform.

Blockchain may be a digital ledger that is shared between members of the network by encrypting transaction information occurring in a public network or a private network.

A copy of the transaction ledger is distributed to each network member so that each time a new transaction occurs, the authentication process for the transaction can proceed with the consent of the members.

Since transaction information based on the blockchain cannot be arbitrarily changed, the reliability of transactions is increased and information tracking is easy. In particular, in the field of financial services, efforts are being made to increase work efficiency and establish a new service base by applying blockchain technology.

It is possible to reduce security, supervision, and regulatory costs through transparent transactions through a distributed ledger system. Blockchain technology can be applied not only to the financial sector, but also to logistics, distribution, and even government public administration services.

In a public blockchain network like existing Bitcoin, participating nodes can operate on a blockchain network with the same authority, but a private blockchain network or a permissioned blockchain network network), differential authority is set for each node and can operate within the blockchain.

If there are many attempts to access specific information recorded on the blockchain, the load on the blockchain may occur, and the speed of access to the information on the blockchain may be slowed due to the load.

Therefore, there is a need for research on a method to accurately acquire the information recorded on the blockchain but not create unnecessary load on the blockchain.

An object of the present invention is to solve all the above-described problems.

In addition, an object of the present invention is to make individual investment in investment products and distribution of profits according to individual investments more convenient and transparent based on a block chain.

In addition, an object of the present invention is to facilitate the transaction of digital profitable securities between individuals even before the expiration of the investment product by enabling the transaction of digital profitable securities generated through investment in investment products through an exchange.

A typical configuration of the present invention for achieving the above object is as follows.

According to an aspect of the present invention, an investment method based on a block chain includes the steps of an investment service providing node transmitting information on an investment product to a user node, and the investment service providing node participating in a public offering procedure for the investment product. It may include the step of transmitting the digital securities to the user node.

According to another aspect of the present invention, an investment service providing node providing investment based on a block chain includes a communication unit implemented to communicate with an external node and a processor operatively connected to the communication unit, wherein the processor is It may be implemented to transmit information on the investment product to the user node and transmit digital securities to the user node participating in the public offering procedure for the investment product.

According to the present invention, personal investment in investment products and profit distribution according to individual investments can be made more conveniently and transparently based on a block chain.

In addition, according to the present invention, by making it possible to trade digital profitable securities generated through investment in investment products through an exchange, it is possible to conveniently trade digital profitable securities between individuals even before the completion of the investment product.

1 is a conceptual diagram showing a system for investment in a block chain-based investment product according to an embodiment of the present invention.

2 is a conceptual diagram showing the operation of an investment service providing node according to an embodiment of the present invention.

3 is a conceptual diagram showing a node selection algorithm according to an embodiment of the present invention.

4 is a conceptual diagram illustrating a method for providing prediction information on an investment product according to an embodiment of the present invention.

5 is a conceptual diagram illustrating a method of verifying and compensating for prediction of an investment target prediction node according to an embodiment of the present invention.

6 is a conceptual diagram showing an investment public offering procedure according to an embodiment of the present invention.

7 is a conceptual diagram showing a method for issuing and trading digital securitized securities based on a block chain according to an embodiment of the present invention.

8 is a conceptual diagram showing a method of trading digital securitized securities in an exchange node according to an embodiment of the present invention.

9 is a conceptual diagram showing a method of determining an investment product according to an embodiment of the present invention.

10 is a conceptual diagram illustrating a method of classifying investment product investment characteristics and user investment characteristics, and matching investment products and users according to an embodiment of the present invention.

11 is a conceptual diagram showing a method of transferring investment money according to an embodiment of the present invention.

12 is a conceptual diagram showing a method of distributing profits based on digital securities according to an embodiment of the present invention.

13 is a conceptual diagram showing a method of trading digital securities through an exchange according to an embodiment of the present invention.

14 is a conceptual diagram showing a high-performance blockchain platform according to an embodiment of the present invention.

15 is a conceptual diagram showing a high-performance blockchain platform according to an embodiment of the present invention.

16 is a conceptual diagram showing a high-performance blockchain platform according to an embodiment of the present invention.

17 is a conceptual diagram showing a high-performance blockchain platform according to an embodiment of the present invention.

18 is a conceptual diagram showing an operation of determining access to a record on a block chain according to an embodiment of the present invention.

19 is a conceptual diagram showing an operation of a data streaming unit according to an embodiment of the present invention.

DETAILED DESCRIPTION OF THE INVENTION The detailed description of the present invention described below refers to the accompanying drawings, which illustrate specific embodiments in which the present invention may be practiced. These embodiments are described in detail sufficient to enable those skilled in the art to practice the present invention. It is to be understood that the various embodiments of the present invention are different from each other but need not be mutually exclusive. For example, specific shapes, structures, and characteristics described herein may be changed from one embodiment to another and implemented without departing from the spirit and scope of the present invention. In addition, it should be understood that the positions or arrangements of individual elements in each embodiment may be changed without departing from the spirit and scope of the present invention. Therefore, the detailed description to be described later is not intended to be limited, and the scope of the present invention should be taken as encompassing the scope claimed by the claims of the claims and all scopes equivalent thereto. Like reference numerals in the drawings indicate the same or similar elements over several aspects.

Hereinafter, various preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings in order to enable those skilled in the art to easily implement the present invention.

Hereinafter, in the embodiment of the present invention, for convenience of explanation, it is assumed that the investment product is mainly real estate itself or a development product based on real estate. However, for various assets other than real estate, an investment method based on a block chain according to an embodiment of the present invention may be used, and the corresponding embodiment is also included in the scope of the present invention.

In addition, hereinafter, the expression node is used, but the expression node can be used to include all devices and/or servers that participate or do not participate in the blockchain network.

In FIG. 1, a blockchain-based investment system for individuals' investment in investment products is disclosed.

Referring to FIG. 1, a trust node 100, an investment service providing node 120, a user node 140, and an exchange node 160 may be included. Each node may include a communication unit for communicating with an external node and a processor operatively connected to the communication unit.

The trust node 100 may be implemented to provide a trust service for an investment product (eg, real estate-related investment product) that has requested a trust. Investment 6 products can include various types of real estate-related investment products, such as direct investment in real estate and investment in real estate-based development plans. As described above, the investment product may include products for various investment objects other than real estate.

The trust node 100 may request a disposal trust for an investment product. In the case of a disposition trust for an investment product, the trustee can be the investment requester (eg, the owner of the investment property, the developer of the investment property, etc.), and the trustee can be the trust company. If the investment product is real estate, the trust company may be indicated as the owner of the real estate subject to investment on a certified copy of the real estate register.

In addition, the trust node 100 may transmit the trusted investment product information to the investment service providing node 120. For example, the investment product information may include various information related to the investment target real estate, such as the location of the investment target real estate, the investment target real estate price, the purpose of the investment target real estate, and the investment target real estate development plan.

In addition, the trust node 100 may grant specific rights related to investment products (eg, rights related to investment target real estate) through a blockchain-based investment platform through the investment service providing server 120. For example, the trust node 100 may grant an investment product-related authority to the user node 140 that has invested in an investment product through a securitized securities (or profitable securities) related to the investment product. The investment product-related authority may include information on the profit authority that can be obtained based on the investment product.

The securitized securities may include real securitized securities, and may include information on rights related to investment products that can be checked online or offline.

Hereinafter, in the embodiment of the present invention, for convenience of explanation, it is expressed that the rights related to investment products are granted to the user node 140 through a securitized securities (or digital securitized securities based on securitized securities). However, objects representing rights related to various investment products other than securitized securities may also be used instead of securitized securities and may be included in the scope of the rights of the present invention.

The investment service providing node 120 may provide an investment service for an investment product. The investment service providing node 120 may perform a public offering procedure for an investment product. The investment service providing node 120 provides investment product information to the user node 140, and the user node 140 who wants to invest in the investment product transfers the investment amount to an investment service-related account and You can participate.

The investment service providing node 120 may remit an investment amount for an investment product acquired through a public offering procedure to a trust-related account. The trust node 100 may issue a securitized security for an investment product to the user node 140 based on the investment amount information of the user node 140. The securitized securities issued to the user node 140 may be directly stored by the user, or may be stored by a storage institution. The storage institution may be the operator of the investment service providing node or may be a separately designated institution.

The user node 140 may enter into a storage agreement for securitized securities prior to investment, and instruct to directly deliver the securitized securities to the storage institution upon issuance of securitized securities by a trust company. In this way, securitized securities can be directly received and managed by the custodian. These securitized securities can have a physical or digitized format.

The investment service providing node 120 may provide digital securitized securities, which represent the right to return the securitized securities stored in the storage institution, to the user node 140 that has made the investment. Digital securitized securities may be expressed in terms of digital asset backed securities (DABS).

The investment amount for the investment product of the user node 140 may be remitted from the trust-related account to the investment requester account for the investment product.

After the public offering procedure, the digital securitized securities provided to the user node 140 that made the investment can be a transaction target and can be traded on an exchange node. The exchange node 160 may be operated by the same operating entity as the investment service providing node 120.

The exchange node 160 may provide a transaction service of digital securitization securities for investment products issued after the public offering. The owner of digital securitization securities may change depending on the transaction, and information about the owner may change in the above-described securitization/digital securitization securities according to the change of the owner.

Hereinafter, in an embodiment of the present invention, an investment method for an investment product based on a block chain is disclosed in more detail.

In FIG. 2, a method of providing investment product information by an investment service providing node is disclosed.

2, investment product information may be provided based on a block chain. Investment product information may be provided by a trust node, but may additionally be provided by a separate selected node.

According to an embodiment of the present invention, investment product information may be generated based on the investment target information collection node 200, the investment target information verification node 220, and the investment target grade determination node 240.

The investment target information collection node 200 may collect various information related to investment products in order to generate investment product information. The investment target information collection node 200 may collect investment product information other than information provided by the trust node. For example, when the investment product is real estate, various information on the real estate subject to investment, such as the surrounding market price of the real estate subject to investment, a development plan related to the subject real estate investment, and information on the utilization of the subject real estate may be collected.

The investment target information verification node 220 may verify the investment product information collected by the investment target information collection node 200. The investment target information verification node 220 may perform a verification procedure as to whether the investment product information is accurate information.

The investment target level determination node 240 may be implemented to determine the level of an investment product based on information related to an investment product that has been verified by the investment target information verification node 220. The investment target level determination node 240 may determine the investment level of the investment product based on information on the investment product related to the investment target investment product.

According to an embodiment of the present invention, in order to provide more accurate investment product information, the investment target information collection node 200, the investment target information verification node 220, and the investment target level determination node 240 are determined based on the selection algorithm. I can.

Each of the investment target information collection node 200, the investment target information verification node 220, and the investment target grade determination node 240 may have an individual node pool or may be independently selected from one pool. A node registered in an individual node pool, and at least one node independently selected within one pool will operate as the investment target information collection node 200, the investment target information verification node 220, and the investment target level determination node 240. I can.

Specifically, the investment target information collection node 200 is selected from the investment target information collection node pool, the investment target information verification node 220 is selected from the investment target information verification node pool, and the investment target grade determination node 240 is invested. It can be selected from the target class determination node pool.

For fair node selection on each node pool, a node selection algorithm can be used for each node pool. In the node selection algorithm, the randomness of node selection can be set differently according to the role of the node. For example, it may be set to increase the randomness of node selection in the order of the investment target information collection node 200, the investment target information verification node 220, and the investment target grade determination node 240.

In FIG. 3, a node selection method for selecting a node from a node pool is disclosed.

Referring to FIG. 3, an investment target information collection node pool (hereinafter, referred to as a first node pool) 350 for an investment target information collection node (hereinafter, referred to as a first node) 300, and an investment target information verification node (hereinafter, referred to as “first node”). Investment target information verification node pool (hereinafter, referred to as the second node pool) 360 and the investment target class determination node pool (hereinafter, referred to as the third node) 340 for the 2 node) 320 Hereinafter, a third node pool 370 may exist.

The first node pool 350, the second node pool 360, and the third node pool 370 are independently operated or integrated and operated, but may be implemented to maintain independence for each investment product. Whether or not a node can be continuously included in the node pool may be determined in consideration of the accuracy of information provided by nodes included in the node pool.

Specifically, it will be determined whether a specific node can be continuously included in the first node pool 350 based on the accuracy (accuracy of collected information) of information collected when a specific node operates as an investment target information collecting node (or first node) 300. I can. In addition, when a specific node operates as an investment target information verification node (or second node) 320, it may be determined whether or not it can be continuously included in the second node pool 360 based on the accuracy of the verification result (verification result accuracy). have. Similarly, when a specific node operates as an investment target level determination node (or third node) 340, it may be determined whether or not it can be continuously included in the third node pool 370 based on the accuracy of the determination result (accuracy of the determination result). have.

In addition, a first threshold of accuracy of collection information for determining the first node pool 350, a second threshold of accuracy of verification results for determining the second node pool 360, and a third node pool 370 As a result of the determination, each of the third threshold values of the accuracy may be set to different values. Specifically, it may be set to have a higher value in the order of the second threshold value, the first threshold value, and the third threshold value.

In addition, randomness of node selection in the node pool may be set differently according to the role of the node. For example, the order of the investment target information collection node (or first node) 300, the investment target information verification node (or second node) 320, and the investment target level determination node (or third node) 340 It can be set to increase the randomness of node selection.

According to an embodiment of the present invention, groups are set according to accuracy for each node pool for different settings of randomness, but the number of groups set according to the node pool may vary.

For example, 9 first node groups may be set according to the accuracy of the collected information, 6 second node groups may be set according to the accuracy of a verification result, and three third node groups may be set according to the accuracy of the determination result. . In each pool, it may be set to select relatively more nodes from a group having high accuracy. Randomness can be adjusted by adjusting the number of groups by setting different intervals of accuracy in which node groups are determined. As the number of preferentially set groups according to the accuracy of each node group is relatively large, the randomness becomes relatively small, and as the number of preferentially set groups is relatively small, the randomness may be relatively large.

Through this method, in the order of the investment target information collection node 300, the investment target information verification node 320, and the investment target grade determination node 340, the randomness of selection may increase and the restriction of selection may be reduced.

In FIG. 4, a method for providing investment prediction information for an investment product is disclosed.

Referring to FIG. 4, an investment target prediction node 400 may be selected, and the investment target prediction node 400 predicts future returns, stability, and changes in digital securitization securities prices for investment products. This can be done.

According to an embodiment of the present invention, a price of a digital securitization security related to an investment product may be changed according to a change in the value of the investment product. For example, if there is no unconditional correlation but the value of the investment property increases, the price of the digital securitization securities of the investment property may increase. Conversely, if the value of the investment property falls, the price of the digital securitization securities of the investment property may decrease.

According to an embodiment of the present invention, for example, the investment target prediction node 400 may predict the price of the digital securitization securities of the investment product, and price prediction information may be recorded on the blockchain. . According to an embodiment of the present invention, the prediction accuracy 420 of the investment target prediction node may be extracted by comparing the price prediction information with the price change information of the actual securitized securities.

The investment target prediction node 400 may perform prediction by setting a prediction period and a prediction value for the digital securitization securities, and prediction accuracy 420 may be extracted according to the prediction period. Further, according to an embodiment of the present invention, it is possible to modify the prediction. For example, after performing the prediction for the first period, the prediction for the period overlapping with the first period may be performed again.

According to an embodiment of the present invention, the prediction accuracy 420 of the investment target prediction node 400 may be determined in consideration of the prediction period, the number of predictions, whether the prediction is corrected, and the difference between the prediction price and the digital securitized securities price. Based on the accuracy 420, a prediction weight 450 may be assigned to each investment target prediction node 400.

Comprehensive prediction on the price of digital securitization securities of investment products may be performed according to the prediction weights 450 of each of the plurality of investment target prediction nodes 400. The predicted value for the price of the digital securitization securities of the investment target prediction node 400 having the high prediction weight 450 may have a relatively higher weight and be reflected in the comprehensive prediction.

In addition, according to an embodiment of the present invention, the investment target prediction node 400 may receive compensation according to prediction accuracy and prediction results for the price of digital securitized securities. It will be provided to the investment target prediction node 400 based on the prediction accuracy 420 of the investment target prediction node 400 and/or the prediction result of the digital securitized securities price and the prediction weight 450 of the investment target prediction node 400. Reward can be determined.

In FIG. 5, a method of verifying and compensating for prediction of an investment target prediction node on a blockchain is disclosed.

Referring to FIG. 5, a prediction period may be set by an investment target prediction node, and prediction may be performed within the prediction period.

The block generation section (prediction) 500 on the blockchain may be determined according to the prediction period set by the investment target prediction node, and the investment target prediction node among blocks included in the block generation section for prediction tracking of the investment target prediction node A tracking block 520 to store current situation information (eg, price information of the current digital securitization securities) corresponding to the prediction of [0123] may be determined.

For example, it is assumed that the investment target prediction node predicts the price of digital securitization securities for investment product A during a specific forecast period. A block generation section (prediction) 500 corresponding to the prediction period in which the prediction of digital securitization is performed may be set, and current situation information (for example, on the block included in the block generation section (prediction) 500) , A tracking block 520 to store the price information of the current digital securitization securities) may be determined. In the tracking block 520, identification information of the prediction node to be invested, information on the predicted value and the actual value may be stored, and the prediction accuracy calculated based on the actual value of the predicted value and the investment target node may also be stored. The prediction accuracy of the investment target prediction node may be determined based on the prediction accuracy 540 stored on the tracking block 520.

As the prediction period is relatively long and the prediction accuracy 540 is relatively high, the investment target prediction node may be set to have a relatively large prediction weight 560. As the investment target prediction node has a relatively large prediction weight 560, the prediction value of the investment target prediction node may be reflected in a relatively larger proportion when generating the total prediction value for the investment target product.

Further, according to an embodiment of the present invention, the investment target prediction node may modify the prediction value according to changes in the investment situation (eg, changes due to external factors (economic crisis, etc.)). When the prediction value is modified, the score for the predictability of the external factor is quantified, and the lower the score for the predictability of the external factor is, the smaller the decrease in the prediction weight 560 of the prediction node to be invested at the time of modification. I can. The number of predictability of external factors can be determined based on web scraping of economic-related information on the web. The more predictable there are on the web, the higher the number of predictability of external factors can be. That is, as the prediction of an external factor is impossible, the prediction weight 560 of the prediction node to be invested may be relatively less decreased even when the prediction value is modified.

In Fig. 6, an investment public offering procedure based on a blockchain is initiated.

Referring to FIG. 6, the investment service providing node may determine an initial price of a digital securitization securities of an investment product. A method for determining the initial price of digital securitized securities will be described later.

The investment service providing node may receive a public offering request for an investment product from the user node 600 through a public offering procedure. Based on the public offering information, information on the available public offering time and the public offering amount can be set on a block based on a blockchain code such as a smart contract. Based on the block chain code, when the recruitment of the available amount for the competition is completed or the time for the available competition has elapsed, it may be set to disable the request for the additional user node 600.

In addition, based on the blockchain code, the issuance of securitized securities and/or digital securitized securities suitable for the investment amount of the user node 600 may be performed. The user node 600 that has invested in an investment product is provided with digital securitized securities corresponding to the investment amount and can trade digital securitized securities.

In FIG. 7, a method of evaluating the value of investment products and issuing digital securitized securities for issuing digital securitized securities based on a blockchain is disclosed.

Referring to FIG. 7, the investment service providing node may record a block chain code for issuing and trading digital securitized securities on the blockchain.

Digital securitization securities for investment products can be issued based on the result of valuation of investment products.

There may be at least one valuation node 700 for valuation of the investment product, and the valuation node directly transmits a transaction including the valuation result information 720 for the investment product on the blockchain network or It can also be transmitted indirectly through an investment service providing node.

A transaction including the value evaluation result information 720 is verified, and the value evaluation result information (or a hash value of the value evaluation result information) 720 may be recorded on a block (or a separate storage space). The blockchain code is called based on the valuation result information 720 recorded on the block, and the sharing of the valuation result information 720 and the issuance of digital securitized securities for investment products based on the blockchain code. I can.

When the value evaluation result information 720 is uploaded, the value evaluation result information 720 may be transmitted to an exchange node or the like based on the blockchain code. In addition, when the value evaluation result information 720 is uploaded, digital securitization securities for investment products may be issued based on the blockchain code. For example, the price of digital securitization securities to be issued and the number of digital securitization securities to be issued may be determined according to the price of an investment target real estate.

If there are multiple valuation results, the price of the investment product can be determined by a predefined algorithm based on the blockchain code. For example, a price of an investment product may be determined by determining an average value or an intermediate value of a plurality of valuation results, or by setting different weights to each of the plurality of valuation results.

Alternatively, price information of recommended digital securitization securities or information on investment requests may be separately collected for investment products, and the price of the digital securitization securities may be determined according to the recommended digital securitized securities price information or investment request information.

Specifically, the value evaluation result information 720 may be shared with a user node using an exchange node.

Digital securitization securities issuance related information 740 may be collected from a plurality of user nodes based on the value evaluation result information 720. The digital securitized securities issuance-related information 740 may include information on investment demand for a value-evaluated investment product. Specifically, the digital securitized securities issuance related information 740 may include information on the number and price of digital securitized securities desired when issuing digital securitized securities for investment products. The digital securitized securities issuance-related information 740 collected from a plurality of user nodes may be input as a block chain code and used to finally determine the price and number of digital securitized securities of an asset.

For example, an exchange node may collect information on investment demand for investment products. For example, if 1,000 people make a request for an average investment of 5 million won, it can be determined that there is an investment demand of 5 billion won. In consideration of such investment demand, the number of digital securitization securities that are the minimum units and the price of digital securitization securities can be determined.

Specifically, investment demand information may be collected during a period of collecting investment demand information to issue digital securitized securities for investment products. The price of the digital securitization securities may be determined based on the first digital securitized securities determining step 760 and the second digital securitized securities determining step 780.

The price of the first digital securitized securities determined through the first digital securitized securities determination step 760 / the number of the first digital securitized securities may be determined based on the investment demand information collected during the investment demand information collection period. The investment demand information may be information on an investment amount for a corresponding asset. For example, information on these investment amounts, such as 100,000 won, 1 million won, 2 million won, and 10 million won, can be entered, and through distribution of these investment amounts, the lowest investment amount, the highest investment amount, and the highest frequency investment amount , The average investment amount, etc. can be extracted.

Based on the above investment demand information, the liquidity/price stability for each amount of digital securitized securities for trading investment products can be determined. For example, if the initial price of digital securitization securities is set to 100,000 won, the number of digital securitization securities per user node as an investor may be determined, and transaction liquidity/price stability due to the number of digital securitization securities per user node may be determined. I can.

For example, transaction liquidity may be determined based on the number of digital securitization securities per user node. Specifically, transaction liquidity may be determined based on the average number of digital securitization securities per user node. Price stability is based on the number of digital securitized securities by user node using digital securitized securities issuance and trading services, based on the number of digital securitized securities (e.g., above the threshold percentage of all digital securitized securities (for example, 1%)). It can be determined based on the ratio of the corresponding user nodes.

The investment service providing node can set the price of digital securitization securities by setting the required transaction liquidity/price stability for each investment product. The investment service providing node may be set to have different transaction characteristics for each investment product through the above method.

Transaction liquidity and price stability as described above can be adjusted according to the characteristics of investment products.

According to an embodiment of the present invention, the price of the digital securitization securities may be changed according to the required transaction liquidity and price stability through the second digital securitized securities determination step 780. After the initial sale, the transaction details of digital securitized securities are collected, and the price of existing digital securitized securities and the number of digital securitized securities are adjusted for transaction liquidity and price stability based on the transaction history of digital securitized securities. It can be made to have price stability. Based on the blockchain code, a procedure for adjusting the number and price of digital securitization securities can be carried out to have separate transaction liquidity and price stability for each investment product. Specifically, transaction liquidity and price stability are set on the blockchain code at the time of initial sale of assets issued as digital securitized securities, and adjustments are made to the price of digital securitized securities and the number of digital securitized securities based on the set blockchain code. As a result, the price of secondary digital securitization securities and the number of secondary digital securitization securities can be determined.

In addition, according to an embodiment of the present invention, the price of the digital securitization securities may be set according to the purpose of investment in the investment product. For example, a user node may invest in digital securitized securities with the main purpose of renting a monthly rent, or in digital securitized securities with the main purpose of increasing real estate prices. If the purpose is to increase the real estate price, it can be a relatively long-term investment than if the main purpose is monthly rent. Therefore, it is also possible to determine the price of digital securitized securities for transaction liquidity and price stability by collecting information on the investment purpose of digital securitized securities by collecting investment purpose information.

In addition, according to an embodiment of the present invention, the price of the digital securitization securities may be determined in consideration of other investment products having high similarity to the characteristics of the investment product. For example, if the investment product is real estate, the most similar real estate may be determined by considering the location, price, investment purpose, transaction record, etc. of the real estate, and the current digital securitization securities price of the determined real estate is additionally considered. The price may be determined. As such transaction records accumulate, the price of digital securitization securities of investment products that are suitable for desired transaction liquidity and price stability can be set.

8 shows a method of issuing digital securitized securities and trading digital securitized securities.

Referring to FIG. 8, an exchange node may sell and trade digital securitized securities for investment products.

First, in the public offering stage, digital securitization securities for the investment amount of the user node can be issued. After the initial issuance of digital securitized securities, transactions for digital securitized securities through exchange nodes may proceed. For example, it may be assumed that the investment product is real estate, the digital securitization securities-A is defined as 100,000 won for the investment target real estate A, and the issuance amount of digital securitization securities-A is set to 10,000.

In the public offering stage, digital securitization securities can be allocated according to the public offering amount of users without a separate transaction. The public offering information of digital securitized securities-A following the public offering can be recorded on the blockchain. The public offering information may include information on purchasers of digital securitized securities-A, and purchase quantity information of buyers of digital securitized securities-A. Digital securitized securities-A can be delivered to the purchaser's wallet of digital securitized securities-A based on the purchaser information of digital securitized securities-A and purchase quantity information of digital securitized securities-A.

If the sale of digital securitized securities is completed during the set public offering period, trading on digital securitized securities may commence even before the expiration of the offering period.

If the sale is not completed during the set offering period, the transaction for digital securitization securities may commence after the offering period. Digital securitization securities that have not been sold can be delivered to the investment service providing node and/or the wallet associated with the exchange node.

Thereafter, in the transaction stage, the digital securitized securities provided to the user node through the public offering procedure and the digital securitized securities stored in the wallet associated with the investment service providing node and/or the exchange node may be possible because the sale has not been completed.

Unlike existing exchanges, transaction information for digital securitization securities is included in a transaction and transmitted to a consensus node (or mining node) that has authority for block mining, and can be recorded on the blockchain through verification. The transaction information may include information on a seller of digital securitization securities, a sell quantity, a buyer of digital securitization securities, a purchase quantity, and a transaction time.

According to an embodiment of the present invention, the consensus node is a small number of selected nodes, and transaction information of digital securitization securities may be recorded on a block in near real time through rapid block generation of a small number of selected nodes. For the establishment of such a consensus node, a separate blockchain code may be installed in the consensus node, or a channel for separately managing consensus nodes may be established between consensus nodes. The operation of the consensus node may be set through a separate block chain code setting or a separate channel setting, and access rights to data processed by the consensus node may be restricted.

Alternatively, according to an embodiment of the present invention, not only the transaction information, but also the sale request information and the purchase request information are recorded on a block, and the transaction may proceed by matching the sale request information and the purchase request information on the block.

Specifically, if the user node (sell) 800 requests to sell 100 digital securitized securities at 100,000 won per digital securitized securities, the exchange node will receive 100 digital securitized securities based on the record on the blockchain. It can be determined whether it exists in the wallet of) (800). If 100 digital securitization securities exist in the wallet of the user node (sell) 800 based on the record on the block, the sale may be approved.

At this time, the sale request information (digital securitized securities-A, 100, 100,000 won) is included in the transaction and transmitted to the consensus node, and can be recorded on the blockchain through verification of the consensus node.

Conversely, when the user node (buy) 820 requests to buy 100 digital securitized securities-A at 100,000 won per digital securitized securities-A, the exchange node blocks the wallet of the user node (buy) 820 Based on the records on the chain, it is possible to determine whether there is an asset to purchase 100 digital securitized securities-A for 100,000 won. If there is an asset to be purchased based on the record on the block, purchase request information can be generated. At this time, the purchase request information (digital securitization securities-A, 100, 100,000 won) is included in the transaction and transmitted to the consensus node, and can be recorded on the blockchain through verification.

When the sell request information and the buy request information are matched on the blockchain, a transaction is performed, and the transaction result may be transmitted to an exchange node, a user node (buy) 820, and a user node (sell) 800.

If there is a request to sell and a request to buy information matching based on the blockchain code, the transaction proceeds, and the digital securitization securities-A may be moved according to the transaction. When the transaction proceeds, 100 digital securitization securities-A stored in the wallet of the user node (sell) 800 may be transmitted to the wallet of the user node (buy) 820. Conversely, assets (eg, fiat currency or digital assets) corresponding to 100 digital securitization securities-A can be moved from the wallet of the user node (buy) 820 to the wallet of the user node (sell) 800 have.

That is, the transaction method according to the exemplary embodiment of the present invention may be a method of performing a transaction by matching the sale request information and the purchase request information on the block chain, unlike the transaction on the existing ledger. By setting a separate blockchain code or verifying and consensus nodes connected through a separate channel, digital liquidated securities transactions can be carried out directly on the blockchain rather than digital liquidated securities transactions on the ledger, faster than conventional verification and agreement methods.

Separate digital securitization securities are issued for each investment product and can be traded on the exchange node. For example, digital securitized securities-A for real estate A, digital securitized securities-B for real estate B, digital securitized securities-C for real estate C, and digital securitized securities-D for real estate D are each issued, and the exchange node It can be traded through.

In FIG. 9, a method for determining an investment product of a user according to user characteristics is disclosed.

Referring to FIG. 9, an investment product for a user may be determined based on an investment product investment result and prediction information, and user investment propensity information.

The investment product investment result and prediction information 900 may include investment product investment result information and investment product investment prediction information. For example, the investment product investment result information may include information on a change in a price of each of a plurality of digital securities for each of a plurality of investment products and a change in value of each of the plurality of investment products. Investment product investment result and prediction information 900 may be recorded on the blockchain, and may be extracted based on identification information on the investment product.

The user investment propensity information 920 may include information on the user investment propensity. Specifically, the user investment propensity information 920 may include information on the investment characteristics of the user's existing investment product, the price change of digital securities of the existing investment product, and the investment result of the existing investment product. The user investment propensity information 920 may be recorded on the blockchain, and may be extracted based on identification information about the user.

Investment products and investment product groups for a user may be determined based on the investment product investment result and prediction information 900 and the user investment propensity information 920. Classification of the investment product investment characteristics may be made based on the investment product investment result and prediction information 900. In addition, the user investment personality may be classified based on the user investment propensity information 920.

Based on the classification of the investment characteristics of the investment product and the classification of the user's investment characteristics, information on the investment product and the investment product group for the user may be provided to the user device.

In FIG. 10, classification of the characteristics of investment products based on investment results and prediction information of investment products and classification of the characteristics of user investment based on user investment propensity information is disclosed. In addition, a method for matching investment products and users based on this classification is disclosed.

Referring to FIG. 10, information on a change in the price of each of a plurality of digital securities for each of a plurality of investment products and a change in the value of each of the plurality of products may be periodically recorded on the blockchain. In addition, the investment target prediction information of the investment target prediction node may be included on the blockchain.

The price change information of each of the plurality of digital securities may be information on the digital securities delivered from the exchange node, and the value change information of each of the plurality of investment products may include information on the change in the value of the investment product itself. . When the investment product is a real estate, it may include information on the publicly announced land price of the real estate to be invested and the price of a nearby real estate transaction. The investment target prediction information may include prediction information on future price changes of digital securities related to investment products and future value changes of investment products.

The nature of real estate investment may be determined based on information on changes in the price of digital securities in the past of real estate, information on changes in the value of the property to be invested in the past, information on changes in the price of digital securities to be predicted, and information on changes in the value of the property to be invested.

Specifically, the investment section is divided into a plurality of sections, and digital securities price change information (past) (1000), real estate value change information (past) (1020), digital securities price change information (prediction) (1050) on the plurality of sections. ), real estate value change information (prediction) 1070 may be determined. The plurality of sections may be primarily divided into a past section and a prediction section after user investment. Secondly, the past section may be divided into a plurality of lower past sections 1030 in consideration of the rate of change in the price of digital securities and the rate of change in real estate value. Also, the prediction period after the user investment may be divided into a plurality of lower prediction periods 1080 according to the investment prediction period.

A plurality of digital securities critical rate periods (past) may be set based on an average digital securities price change rate (past) of investment products of the same and/or similar categories in the past period. The past section may be divided into a plurality of lower past sections (digital securities) according to a plurality of digital securities threshold change rate sections (past). For example, multiple lower past segments (digital securities) are -15% to -10% segments, -10% to -5% segments, -5% to 0% segments, 0% to 5% segments, and 5% It can be divided into a ~10% section, a 10%~15% section, etc.

Likewise, a plurality of value critical change rate periods (past) may be set based on the average value change rate (past) of investment products of the same or similar category on the past period. A past section may be divided into a plurality of lower past sections according to a plurality of value threshold change rate sections (past). For example, multiple lower past segments (values) are -15% to -10% segments, -10% to -5% segments, -5% to 0% segments, 0% to 5% segments, and 5% to 10 segments. It can be divided into% section, 10%~15% section, etc.

Considering the information on the lower past segment (digital securities), lower past segment (value), and the relationship between the change in value of the investment product (past) and the change in the price of digital securities (past), the characteristics of the investment product investment (past) ( 1005) can be determined.

For example, information on whether the change in the lower past section (digital securities), the lower past section (value) is negative or positive, information on negative fluctuation range, plus fluctuation range information, digital securities price (past) and commodity value change ( The nature of the investment product (past) 1005 may be determined based on information about the degree of relevance to the past).

Next, the investment product investment characteristics (prediction) 1055 may be determined based on the prediction of the investment target prediction node. The prediction period may be divided into a plurality of sub prediction periods according to the investment prediction period. The investment target prediction node may generate information about digital securities price change information (prediction) and value change information (prediction) by setting an investment forecast period.

Similar to the prediction for the past period, a plurality of digital securities critical rate periods (forecasts) may be set based on the average digital securities price change rate (prediction) of investment products of the same and/or similar categories, and the plurality of digital securities The prediction period may be divided into a plurality of sub-prediction periods (digital securities) according to the security critical change rate period (prediction). For example, multiple sub prediction intervals (digital securities) are -15% to -10% intervals, -10% to -5% intervals, -5% to 0% intervals, 0% to 5% intervals, 5% It can be divided into a ~10% section, a 10%~15% section, etc.

Similarly, on the basis of the average value change rate (prediction) of investment products of the same and/or similar category in the investment forecast period, a plurality of value critical change rate intervals (predictions) may be set, and in a plurality of value critical change rate intervals (predictions). Accordingly, the prediction interval may be divided into a plurality of lower prediction intervals. For example, multiple sub prediction intervals (values) are -15% to -10% interval, -10% to -5% interval, -5% to 0% interval, 0% to 5% interval, 5% to 10 It can be divided into% section, 10%~15% section, etc.

The nature of the investment product investment (prediction) 1055 may be determined by considering information on the lower prediction interval (digital securities), the lower prediction interval (value), and the relationship between the change in the value of the investment product and the change in the price of the digital securities. .

For example, information on whether the lower prediction interval (digital securities), the change in the lower forecast interval (value) is negative or positive, negative fluctuation information, positive fluctuation information, digital securities price (forecast) and investment product value change The nature (prediction) of an investment product can be determined based on information on the degree of relevance to (prediction).

Investment Product The nature of investment (prediction) further considers information on the lower past segment (digital securities), lower past segment (value), and the relationship between the change in value of the investment product (past) and the change in the price of digital securities (past). It can also be decided.

Based on these investment product investment characteristics (prediction) 1055 and investment product investment characteristics (past) 1005, the investment product investment characteristics 1090 may be classified into a high risk group, a medium risk group, and a low risk group.

The user's investment characteristics can be classified into a high-risk group, a medium-risk group, and a low-risk group based on the investment product investment characteristics that the user has invested in the past (1090), the user's return, and the questionnaire provided to the user.

An investment product may be recommended to a user by matching the investment product investment personality (past) 1005 and the investment product investment personality (prediction) 1055 and the user's investment personality.

Or, by acquiring information on the user's desired rate of return and the range of losses that the user can afford, the investment product portfolio is based on the nature of the investment (high-risk group, medium-risk group, and low-risk group) through a combination of one investment personality or a combination of multiple investment characteristics. You can also configure and recommend to users.

In FIG. 11, a method of providing an investment for an investment product based on a smart contract is disclosed. In FIG. 11, in particular, when the investment product is real estate, a method of delivering an investment for real estate based on a smart contract is disclosed.

Referring to FIG. 11, the investment service providing node may receive an investment money for an investment product from a user device. Investment funds may be provided in stages according to the results of supervision on investment products.

For example, it may be assumed that an investment is made in an investment product that raises a building through land purchase. Checkpoints for multiple building steps and multiple investment steps can be set and recorded in a blockchain code such as a smart contract, and the satisfaction of each checkpoint for multiple building steps is checked to provide step-by-step investment Can be.

The supervisory node 1100 may determine the progress of the building for each check point, and if the construction progress of the building is satisfied based on the checkpoint, an investment appropriate for the investment stage may be paid.

12 discloses a method of distributing revenue based on digital securities for assets.

Referring to FIG. 12, when an investment product is a building and an investment in the building is made, a profit (eg, monthly rent) generated from the building may be provided to a user device owning a digital securities.

Profit dividends may be made by the profit determination node 1200 and the profit verification node 1220.

The profit determination node 1200 is a node that determines profit. For example, when a building generates revenue such as monthly rent, it may be implemented to determine an accurate value for the monthly rent and provide information about it.

The profit verification node 1220 may be implemented to verify the profit determined by the profit determination node 1200. For example, the revenue verification node 1220 may determine whether the monthly rent determined by the revenue determination node 1200 is an accurate amount.

When the profit verification by the profit verification node 1220 is completed, profit distribution may be performed. For example, based on the digital securities owned by the user device, profits corresponding to the quantity or amount of digital securities may be distributed to the wallet of the user device.

13 discloses a method for trading digital securities through an exchange.

Referring to FIG. 13, digital securities for each of various investment products may be traded on an exchange.

The digital securities of the user device (initial investment) making the initial investment can be distributed to the user device (initial investment) through an exchange node or to the user device (initial investment) through a separate node. Afterwards, the digital securities distributed to the user device (initial investment) can be traded through the exchange.

Hereinafter, a method of selling and buying digital securities by three user devices is exemplarily disclosed. The first user device 1310 sells three digital securities, the second user device 1320 buys one digital securities, and the third user device 1330 buys two digital securities. The case can be assumed.

The first user device 1310 may generate a sell order 1315 for three digital securities. The sell order 1315 may include seller information, information on the number of digital securities to sell, information on selling price of digital securities, and signature information of the first user device 1310.

The second user device 1320 may generate a first buy order 1325 for two digital securities. The first purchase order 1325 includes first buyer information (or identification information of the second user device), information on the number of first purchase digital securities, information on the purchase amount of digital securities, and signature information of the second user device 1320. Can include.

The third user device 1330 may generate a second purchase order 1335 for one digital securities. Similarly, the second purchase order 1335 includes information on the second buyer (or identification information of the third user device), information on the number of second purchase digital securities, information on the purchase amount of digital securities, and signature information on the third user device. can do.

When the sell order 1315, the first buy order 1325, and the second buy order 1335 match, the exchange node is the sell order 1315, the first buy order 1325, and the second buy order 1335 A transaction 1350 including transaction information based on) may be generated and transmitted to the consensus node. The consensus node can verify the transaction and record transaction information on the block.

Transaction information is an input value, information on the number of digital securities to sell included in the sell order 1315, information on the first purchase amount included in the first buy order 1325, and the second purchase included in the second buy order 1335 It may include monetary information.

In addition, as an output value, the transaction information includes information on digital securities to be transmitted to the second user device 1320, information on digital securities to be transmitted to the third user device 1330, and digital securities to the first user device 1310. It may include information on the amount of sale of securities.

When the transaction 1350 including the transaction information is verified or the transaction information is recorded on the block after the verification procedure, the selling amount is deposited into the wallet of the first user device 1310, and the second user device 820 Digital securities may be delivered to the wallet of the user's wallet and the wallet of the third user device 830.

The digital securities of a user device (initial investment) making an initial investment in the above manner can be transferred to another user device (investment). A user device that newly purchases digital securities may be managed as a new purchase user device, and a user device that has sold all digital securities may be managed as an investment suspension user device.

Hereinafter, in an embodiment of the present invention, a method for increasing the transaction speed of digital securities is disclosed.

In Fig. 14, a high-performance blockchain platform that has dramatically increased the transaction speed so that a large amount of transactions can be simultaneously performed in a short time while storing a distributed ledger in the form of a blockchain is disclosed.

Referring to FIG. 14, the high-performance blockchain platform according to an embodiment of the present invention includes a Ledger application programming interface (API) 1400, a cache 1410, a ledger invoker 1430, and data streaming. (data streaming) (or data streaming unit) (1420), blockchain (1440), notifier (1450), may include a ledger manager (ledger manager) (1460). have.

The ledger API 1400 may be an interface for connecting a user device and a blockchain (or blockchain platform) 1440 to provide a blockchain-based service. The user device may access information on the blockchain 1440 through the Ledger API 1400. For example, the user may request a deposit, withdrawal, transaction, etc. through the Ledger API 1400 and receive a result value for the request.

The cache 1410 may be implemented to quickly provide data on the blockchain 1440 without access to the blockchain 1440. The cache 1410 may store information recorded on the block chain 1440 (blockchain record information), information that changes information recorded on the block chain 1440 (blockchain record change information), and the like.

When a user generates a transaction for access on the blockchain 1440, the cache 1410 may store data related to the transaction. For example, a transaction for changing user wallet information, such as a transaction for transmitting a certain digital securities to the user wallet through the user device or for transmitting digital securities from the user wallet may occur. Alternatively, a transaction that does not change user wallet information, such as a transaction for verifying the user wallet, may occur through the user device. In this case, transmission and reception of digital securities related to the user wallet, information on the user wallet status, and the like may be recorded in the cache.

Based on this record of the cache 1410, the user can check information on the current user wallet without separate access. For example, if it is determined that there is no change in additional user wallet-related information on the blockchain 1440 through a check of the information stored in the cache 1410, the cache 1410 is accessed without access to the blockchain 1440. The recorded information can be used to transmit current user wallet information to the user device. That is, when a user requests to read data recorded on the block chain 1440 that has not been changed, the data recorded on the cache 1410 is immediately saved without unnecessary access to the block chain 1440. It can be transmitted to the user device.

Through this method, unnecessary transactions/consensus for recording data on the blockchain 1440 may be reduced, and data processing speed of the blockchain 1440 may be improved. The operation of the cache 1410 will be described later in more detail.

The data streaming unit 1420 may be implemented to sequentially deliver the transactions transmitted through the ledger API 1400 to the ledger invoker 1430 without losing. A plurality of transactions generated from a plurality of user devices include a timestamp and may be transmitted to the cache 1410 and the data streaming unit 1420 through the ledger API 1400. The timestamp may include information on the time when the transaction occurred. The data streamer 1420 may be implemented as a queue. A plurality of transaction data accumulated in the data streaming unit 120 may be transmitted to the ledger invoker 1430.

For example, the ledger invoker 1430 may scrape and organize a plurality of (for example, 100 to 1000) transactions stored in the data streaming unit 1420 at least once and transmit them to the blockchain 1440. According to an embodiment of the present invention, in the data streaming unit 1420, a plurality of transactions may be grouped, and the grouped transaction group may be recognized and processed as one transaction. For example, a transaction group including 1000 transactions can be regarded as one transaction, and verification of the transaction can be performed. Grouping of transactions will be described in detail later.

The ledger invoker 1430 may be implemented to invoke the chain code of the blockchain 1440 based on a transaction received from the data streaming unit 120. Various types of chain codes can be executed by the ledger invoker 1430. The ledger invoker 1430 executes the chaincode of the blockchain 1440, and a transaction (or transaction group) may be transmitted on the blockchain 1440 through the ledger invoker 1430. For example, a transaction is transferred onto the blockchain 1440 through the Ledger Invoker 1430, and data (or data) included in the transaction is transferred to the block connected to the blockchain 1440 through the mining of the block. Can be recorded.

The notifier 1450 may recognize a change occurring on the block chain 1440 and transmit change information on the block chain 1440 to another component (or module). Also, the notifier 1450 may play a role of checking data consistency between the block chain 1440 and the cache 1410 and automatically recovering when the consistency is damaged. For example, the notifier 1450 1) when a transaction related to the transmission/transmission of digital securities to the user wallet is recorded on the blockchain 1440, 2) settlement by the ledger manager 1460 to be described later. High performance such as cache 1410 and ledger manager 1460 for information on changes that have occurred on the blockchain 1440, such as when a transaction related to a request (account clearance request transaction) is recorded on the blockchain 1440 It can be delivered to the components on the blockchain platform.

The ledger manager 1460 may be implemented for management/update of data stored on the blockchain 1440. For example, the ledger manager 1460 is a data update request transaction requesting an update of the user's wallet balance information based on the user's wallet balance information and wallet change information recorded on the blockchain 1440 (for example, , Wallet clearance request transaction) can be transmitted on the blockchain 1440. When a wallet clearance request transaction is transmitted on the blockchain 1440, the user's wallet information is updated to the latest based on the user's wallet information and wallet change information recorded on the blockchain 1440, and the blockchain 1440 ) Can be performed. The specific operation of the ledger manager 1460 will be described later.

In FIG. 15, a flow of data write operations on a high-performance blockchain platform is disclosed. In particular, a data writing flow related to data writing (or recording) that changes data on the blockchain is initiated. A transaction that changes data on the blockchain can be expressed in terms of a data change request transaction.

Referring to FIG. 15, hereinafter, in the embodiment of the present invention, for convenience of explanation, user wallet information (or user account information, user account information) will be described as an example. However, reading, writing, and other various information other than user wallet information The present invention may be applied to a change alarm, and such an embodiment may also be included in the scope of the present invention.

It is assumed that 10,000 digital securities A are currently stored in the user wallet, and information about the user wallet (10,000 digital securities A) is recorded on the blockchain 1540. Thereafter, it is assumed that the user 1) requests to send 3,000 digital securities A, and 2) requests to receive 5,000 won.

In this case, the first transaction (request to send 3000 digital securities A) (first timestamp) occurs, and then, the second transaction (request to receive 5000 digital securities A) (second timestamp) occurs. I can.

In this case, the first transaction (3000 digital securities A request to send) (first timestamp) and the second transaction (5000 digital securities A request to receive) (second timestamp) are stored in the cache 1510. , Simultaneously or sequentially, it may be transmitted to and stored in the data streaming unit 1520.

The data streaming unit 1520 performs a first transaction (3000 digital securities A transmission request) (first timestamp) and a second transaction (5000 digital securities A reception request) (second timestamp) in chronological order. Can be saved.

Thereafter, the ledger invoker 230 stores a first transaction (a request to transmit 3000 digital securities A) (a first timestamp) and a second transaction (request to receive 5000 digital securities A) stored in the data streaming unit 220 (2nd timestamp) can be received. The first transaction (3000 digital securities A request to send) (first timestamp) and the second transaction (5000 digital securities A request to receive) (second timestamp) are stored in a block on the blockchain 1540 Can be.

On the blockchain 1540, 1) user wallet balance information (10000 digital securities A), 2) user wallet transmission information (3000 digital securities A), 3) user wallet received information (5000 digital securities A) Can be recorded.

According to an embodiment of the present invention, when a transaction requesting a wallet clearance of the ledger manager 1560 is not transmitted, the user wallet balance information may not be updated. Information that changes the user wallet status information 2) User wallet status information (3000 digital securities A), 3) User wallet information (5000 digital securities A), an identifier (or mark) indicating that information is not reflected May have been added.

Thereafter, when the account clearance request transaction is transmitted by the ledger manager 1560, the user wallet status information is updated to 12000 digital securities A, and 2) user wallet transmission information (3000), which is information that changes the user wallet balance information. An identifier (mark) indicating reflect information may be displayed for 3) digital securities A) and 3) user wallet received information (5000 digital securities A).

That is, for information that changes the current state of the user's wallet, whether to reflect the current state of the user's wallet may be checked by a wallet clearance request transaction through a separate identifier.

In FIG. 16, a data change alarm flow indicating a change in data on the blockchain is started.

Referring to FIG. 16, a data change alarm flow may occur when a data change occurs on the block chain 1640. For example, in the data write flow, the second transaction (request to receive 5000 digital securities A) (second timestamp) and the first transaction (request to send 3000 digital securities A) (first timestamp) and If the request to receive data and the request to transmit data are recorded on the blockchain 1640 due to the second transaction (request to receive 5000 digital securities A) (second timestamp), changes may occur on the blockchain. have.

In this case, the notifier 1650 can recognize the change in the blockchain and deliver the information notifying the change in the blockchain (or information related to the change) to the components on the high-performance blockchain platform such as cache and ledger manager 1660. have. Information notifying changes on the blockchain 1640 (or information related to changes) may be expressed in terms of blockchain change alarm information.

For example, the ledger manager 1660 may transmit a wallet clearance request transaction on the blockchain 1640. In this case, the user wallet can be organized to the final value. Specifically, 1) user wallet balance information stored on the blockchain 1640 (10000 digital securities A), 2) user wallet transmission information (3000 digital securities A), 3) user wallet received information (5000 digital securities A) Stocks A) are all organized, and user wallet balance information on the blockchain 1640 may be updated and stored as 12000 digital securities A.

Likewise, a change due to the wallet clearance request transaction transmitted by the ledger manager 1660 may be notified to the ledger manager 1660 and the cache 1610 by the notifier 1650.

The ledger manager 1660 may receive change information from the notifier 1650 and transmit a wallet clearance request transaction to the blockchain 1640 again. The ledger manager 1660 transmits a wallet clearance request transaction, receives block chain change alarm information due to the wallet clearance request transaction from the notifier 1650, and transmits the wallet clearance request transaction again. May not be transmitted continuously. Accordingly, unnecessary transmission of a wallet clearance request transaction on the blockchain can be prevented, and as a result, overload on the blockchain 1640 can be reduced, and the processing speed of the blockchain 1640 can be improved.

In addition, according to an embodiment of the present invention, a cycle for a wallet clearance request transaction is set, and the ledger manager 1660 may transmit a wallet clearance request transaction at every set cycle.

The cache 1610 may receive block chain change alarm information from the notifier 1650, and a response to a transaction generated from a user device according to whether the block chain change alarm information is received is based on the information recorded in the cache. It is possible to determine whether to provide it based on the information recorded on the blockchain 1640 or not. A response method based on the cache 1610 will be described later.

In FIG. 17, a data reading flow related to reading data on a blockchain is disclosed. Transactions that do not change data on the blockchain, such as reading data, can be expressed in terms of data no change request transaction.

Referring to FIG. 17, for example, when a transaction requesting confirmation of the wallet status (a user wallet status confirmation transaction) occurs from a user device, first, confirmation of user wallet-related information through a cache 1710 After this is performed, it may be determined whether the user wallet status information on the cache 410 can be directly provided to the user. Thereafter, if the user wallet status information on the cache 1710 can be directly provided to the user, the user wallet status information on the cache 1710 can be provided to the user device without access to the block chain 1740. Conversely, if the user wallet status information on the cache 1710 is not directly available to the user, the user wallet status information may be provided to the user device through access to the blockchain.

Determination of whether the user wallet status information on the cache 1710 can be directly provided to the user will be described later.

If it is possible to provide the user wallet status information through the cache 1710, the user wallet status information may be provided directly without accessing the block chain 1740. Conversely, if it is not possible to provide the user wallet status information through the cache 1710, the user wallet status information (user wallet status information) among the data recorded on the blockchain 1740 by accessing the blockchain 1740 , User wallet reception information, user wallet transmission information, etc.), the user wallet status can be arranged and provided to the user.

For example, in the above example, user wallet status-related information stored on the blockchain (user wallet status information (10000 digital securities A), user wallet transmission information (3000 digital securities A), user wallet reception information ( It can collect 5000 digital securities A)), organize the user wallet status based on the collected information (10000-3000 + 5000 = 12000 digital securities A), and provide them to the user device.

If the transaction requesting the wallet clearance of the ledger manager 1760 is not transmitted, the user wallet state, which is organized by the user's request, may not be stored on the blockchain 1740. In other words, only by the wallet clearance request transaction of the ledger manager 1760, the information about the status of each of the plurality of user wallets of the plurality of users is performed, and the information about the status of the plurality of user wallets of each of the plurality of users is finally updated. It may be written on (1740).

Alternatively, according to an embodiment of the present invention, when a wallet status check transaction occurs by a user device even when a wallet clearance request transaction of the ledger manager 1760 is not transmitted, a separate wallet is organized for the user wallet status of the user. Is performed, the user wallet status information is updated, and an identifier (mark) indicating that the user wallet transmission information and the user wallet reception information is reflected information may be displayed. That is, when an individual wallet status confirmation transaction for a specific user occurs, a separate wallet arrangement is performed only for the user wallet status for the user and may be recorded on the blockchain as user wallet status information.

In FIG. 18, a method for providing data to a user device with only access to a cache without access to a block chain is disclosed when a data read operation (or a transaction related to data read) occurs by the user device.

Referring to FIG. 18, based on user transaction information recorded on the cache and/or block chain change alarm information received from the notifier, whether to provide data to the user device with only access to the cache without access to the blockchain is determined. Can be determined.

According to an embodiment of the present invention, the blockchain platform may receive a request transaction from a user device, and the blockchain platform may determine whether to process the request transaction based on a cache. The request transaction may be a transaction (eg, a wallet status check transaction, a user wallet transmission/reception related transaction, etc.) for reading/writing data on the above-described blockchain.

If possible, the blockchain platform can transmit a response transaction to a request transaction without access to the blockchain based on the information recorded in the cache. If the blockchain platform is unable to process the request transaction based on the cache, it can transmit the request transaction to the data streaming unit for transmission of the request transaction onto the blockchain.

The cache stores information related to the request transaction, and the request transaction may include a time stamp. The data streaming unit stores a request transaction different from the request transaction, but the other request transaction may include a transaction before receiving the request transaction from the user device or another user device and transmitting it on the blockchain. As described above, the blockchain platform can transmit request transactions and other request transactions on the blockchain based on the invoking of the blockchain by Ledger Invoker.

Whether the request transaction can be processed based on the cache may be determined based on the characteristics of the request transaction and the characteristics of the previous request transaction previously transmitted on the cache in relation to the user device. The characteristics of the request transaction and the previous request transaction may be one of a data change request transaction 1850 and a data change request transaction 1870.

Specifically, the transaction transmitted from the user's device is a data no change request transaction that does not change the data on the blockchain (e.g., the wallet confirmation request transaction 1800), and the data on the blockchain is changed after the latest update of the data to be provided. When only the non-changeable data request transaction 1850 is recorded on the cache 1820, the data stored in the cache 1820 may be transmitted as the response transaction 1880 without access to the blockchain 1840.

Conversely, the transaction transmitted from the user device is a data no change request transaction (e.g., account verification request transaction 1800) that does not change the data on the blockchain 1840, and after the latest update of the data to be provided, the blockchain ( 1840) When at least one data change request transaction 1870 that changes the data on the cache 1820 is recorded on the cache 1820, based on the data recorded on the blockchain 1840 through access to the blockchain 1840 The response transaction 1880 may be transmitted.

For example, it may be determined whether to provide user wallet status information directly from the cache 1820 or based on data recorded on the blockchain 1840. For example, after the user wallet status information is recorded in the cache 1820, information related to a transaction related to transmission of a user wallet that changes user wallet status information and/or receiving a user wallet is not stored (transmission of user wallet When information and/or user wallet reception information does not occur), the user wallet status information stored in the cache 1820 may be determined as the latest updated wallet status information. In this state, when the wallet confirmation request transaction 1800 is generated from the user device, the user wallet state information stored in the cache may be provided without the need to access and read data on the blockchain 1840.

Conversely, after the user wallet status information is recorded on the cache 1820, when user wallet status change information such as user wallet transmission information and/or user wallet reception information that changes the user wallet status information occurs (or A case in which information related to a transaction related to a user wallet withdrawal and/or user wallet deposit that changes the user wallet state information is stored) may be assumed. In this case, the user wallet status information may be checked on the blockchain 1840.

User wallet status-related information recorded on the blockchain 1840 is extracted, and the information recorded on the blockchain 1840 is the latest information updated after transmission of a data update transaction such as a wallet clearance request transaction. Alternatively, in the case of no data change information 1890), the user wallet status information recorded on the blockchain 1840 may be provided to the user. Conversely, if the information recorded on the blockchain 540 after transmission of a data update transaction such as a wallet clearance request transaction is user wallet status change information (or data change information 1895), the most recent user wallet status information and its The wallet status change information generated after that is searched, and a separate wallet arrangement is performed for the corresponding user and provided to the user device. The extracted information related to the state of the user's wallet on the blockchain 1840 may be stored again in the cache. That is, whether a data change request transaction has occurred in relation to the request data (or data change information (1890) is stored in relation to the request data) or a data change request transaction has occurred (or provided) on the blockchain 1840. A response transaction based on data on the blockchain may be generated by determining whether data change information 1895 is stored in relation to the requested data.

Through this method, if the user can obtain information only by accessing the cache 1820 without access to the blockchain 1840, the occurrence of unnecessary transactions on the blockchain 1840 can be reduced, and the user can You can acquire the desired information more quickly and accurately.

In other words, after the last update of the data on the blockchain 1840, if only the data no change request transaction 1850 that does not change the data is recorded in the cache 1820, the cache 1820 without access on the blockchain 1840 ), a response transaction to a request transaction related to data reading can be transmitted to the user device only by accessing the data.

Conversely, after the last update of the data on the blockchain 1840, if the data change request transaction 1870 that changes at least one data is recorded in the cache 1820, the data is accessed through the access on the blockchain 1840. A response transaction for a request transaction related to read may be transmitted to the user device.

In FIG. 19, an operation of grouping transactions in the data streaming unit is started.

Referring to FIG. 19, the data streaming unit 1900 may create a transaction group 1950 for grouping transactions to be processed. The verification of the transaction group 1950 is performed in groups, thereby increasing the processing speed on the blockchain 1960.

Transactions generated from a plurality of user devices include time stamps, and a plurality of transactions may be sequentially stored in the data streaming unit 1900 based on the time stamp.

According to an embodiment of the present invention, transactions may be individually verified and recorded on the blockchain 1960 based on the invoking of the Ledger Invoker 1920, but they are grouped and verified in a transaction group unit, so that the Ledger Invoker ( 1920) may be recorded on the blockchain 1960 based on the invoking (or calling).

The transaction group 1950 including a plurality of transactions stored in the data streaming unit 1900 may be determined in various ways. First, when invoking a transaction of the ledger invoker 1920, all transactions existing in the data streaming unit 1900 at the time of invoking may be grouped into one transaction group 1950. In this case, a separate subgroup may be formed for each related wallet. For example, when a transaction is made between user A, user B, and user C, transactions related to user A, user B, and user C may be separately set as a lower transaction group.

Alternatively, according to an embodiment of the present invention, a transaction group 1950 may be formed according to the characteristics of a transaction, and a verification procedure may be performed. For example, an operation performed based on a transaction, such as a transaction group for simple data reading that does not change data on the blockchain (1960) (hereinafter referred to as a data non-change transaction group) and a transaction group that causes data change on the blockchain. According to this, a transaction group (data change transaction group) may be formed. Different verification procedures can be performed for the data no change transaction group and the data change transaction group.

The basic verification is performed in the same manner for the data no change transaction group and the data change transaction group, but for the data change transaction group, verification of whether data can be changed may be additionally performed.

For example, the data change transaction group may be divided into a data change (receive) transaction group, which is a data change for reception of digital securities, and a data change (transmit) transaction group, which is a data change for transmission of digital securities.

In the case of a data change (reception) transaction group, it may be necessary to verify whether or not the receiving user's wallet can receive it. In the case of a data change (transmission) transaction group, which is a data change, it may be necessary to verify whether or not transmission is possible in the sending user wallet.

According to an embodiment of the present invention, a plurality of transactions may form a transaction group 1950 according to characteristics of a transaction, and a separate verification procedure may be performed for each transaction group 1950 to be recorded on a block. When a plurality of transactions included in the transaction group 1950 are recorded on the blockchain, the transaction group 1950 is not considered and may be stored based on a timestamp. Specifically, when recording on the blockchain, the transaction group 1950 is released, the timestamp of the transaction is considered, and a plurality of transactions can be recorded. Alternatively, identification information for the grouped transaction group 1950 may be recorded on a block in consideration of the transaction group 1950 or displayed in an individual transaction when verified.

The embodiments according to the present invention described above may be implemented in the form of program instructions that can be executed through various computer components and recorded in a computer-readable recording medium. The computer-readable recording medium may include program instructions, data files, data structures, etc. alone or in combination. The program instructions recorded in the computer-readable recording medium may be specially designed and constructed for the present invention or may be known and usable to those skilled in the computer software field. Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks, and magnetic tapes, optical recording media such as CD-ROMs and DVDs, and magnetic-optical media such as floptical disks. medium), and a hardware device specially configured to store and execute program instructions, such as ROM, RAM, flash memory, and the like. Examples of the program instructions include not only machine language codes such as those produced by a compiler but also high-level language codes that can be executed by a computer using an interpreter or the like. The hardware device can be changed to one or more software modules to perform the processing according to the present invention, and vice versa.

In the above, the present invention has been described by specific matters such as specific elements and limited embodiments and drawings, but this is provided only to help a more general understanding of the present invention, and the present invention is not limited to the above embodiments. Anyone with ordinary knowledge in the technical field to which the invention belongs can make various modifications and changes from these descriptions.

Accordingly, the spirit of the present invention is limited to the above-described embodiments and should not be defined, and all ranges equivalent to or equivalently changed from the claims to be described later as well as the claims to be described later are the scope of the spirit of the present invention. It will be said to belong to.

Claims

The investment method based on blockchain is,

Transmitting, by the investment service providing node, information on the investment product to the user node; And

And transmitting, by the investment service providing node, digital securities to the user node participating in the public offering procedure for the investment product.
The method of claim 1,

The method, characterized in that the investment product is trusted by a trust node.
The method of claim 2,

The method, characterized in that the digital securities are traded on an exchange.
The method of claim 3,

The method, characterized in that the transaction related to the digital securities is processed at high speed based on a cache on a blockchain platform.
The investment service provider node that provides investment based on blockchain,

A communication unit implemented to communicate with an external node; And

A processor operatively connected to the communication unit,

The processor transmits information on the investment product to the user node,

An investment service providing node, characterized in that embodied to transmit digital securities to the user node participating in the public offering procedure for the investment product.
The method of claim 5,

The investment service providing node, characterized in that the investment product is trusted by a trust node.
The method of claim 6,

The investment service providing node, characterized in that the digital securities are traded on an exchange.
The method of claim 7,

An investment service providing node, characterized in that the transaction related to the digital securities is processed at high speed based on a cache on a blockchain platform.