WO2022154290A1

WO2022154290A1 - Device and method for providing financial service using online game

Info

Publication number: WO2022154290A1
Application number: PCT/KR2021/019441
Authority: WO
Inventors: 노기태
Original assignee: 주식회사 핏펀즈
Priority date: 2021-01-15
Filing date: 2021-12-20
Publication date: 2022-07-21
Also published as: KR20220103446A; KR102589317B1; JP2024503982A

Abstract

Proposed is a method for providing a financial service performed by a financial service providing device. The method for providing a financial service comprises the steps of: providing, to a user, an online game that other users can access at the same time; providing a virtual financial service using game currency commonly used in the online game to the user in the online game; recording, in a block chain, usage details of the virtual financial service for the user; when an event of converting the virtual financial service into a real financial service occurs, verifying service contents to be reflected in the real financial service by using the usage details registered in the block chain; and providing the real financial service to the user according to the verified service contents.

Description

Apparatus and method for providing financial services using online games

Embodiments disclosed herein relate to an apparatus and method for providing a financial service using an online game that provides a reliable financial service even within an online game using block chain technology.

As the performance of information processing devices has improved and communication technology has developed, a virtual space has been implemented online and various services have been provided therein. A typical example is a game service or a learning service.

Accordingly, the necessity of convergence of virtual and real space is gradually being raised. For example, the reward provided to users in the game is converted into goods in the real economy, or the real teacher evaluates the student according to the progress of the student's learning in the virtual space, or decides the next class schedule. In some cases, there is a need to reflect the results achieved in virtual space, such as in the real world. Therefore, the boundary between virtual space and reality online is gradually blurring.

However, there are many problems in indiscriminately reflecting the events in the virtual space to the real world. Although events in the virtual space are recorded as data, it is difficult to guarantee the reliability of the recorded data, and there is a possibility of manipulation or hacking, so it is difficult to reflect it in reality.

Meanwhile, financial services are generally provided face-to-face offline or within online services provided by financial institutions. At this time, in order to receive the service face-to-face, there are inconveniences such as making an appointment with the person in charge and moving to a fixed place. It was difficult to get a new design.

Korean Patent Registration No. 10-1151367 “Online Financial Transaction Authentication Method and Device” specifically describes a method for performing authentication when providing online financial transaction services.

However, even this method does not solve the problems of the conventional online financial service described above.

Therefore, there is a need for a technique for solving the above-mentioned problems.

On the other hand, the above-mentioned background art is technical information that the inventor possessed for the derivation of the present invention or acquired in the process of derivation of the present invention, and it cannot be said that it is necessarily a known technique disclosed to the general public before the filing of the present invention. .

The embodiments disclosed in this specification allow a plurality of users to access and act in a virtual space through an online game, so that a free financial transaction or contract in a virtual space is made between users, and a financial transaction or a financial transaction in the virtual space An object of the present invention is to present an apparatus and method for providing a financial service using an online game that enables a contract to be applied to a real financial service.

In addition, the embodiments disclosed in the present specification register and manage a ledger that records financial transactions or contracts that occurred in the virtual space in the block chain, thereby providing an online game that can guarantee the reliability of the recording of financial events that occur in the virtual space. An object of the present invention is to present an apparatus and method for providing a financial service using.

Furthermore, in the embodiments disclosed in this specification, in reflecting a financial event occurring in a virtual space to a real financial service, by performing verification using the record of the ledger registered in the block chain, only the verified data is reflected in reality. The purpose of the present invention is to present an apparatus and method for providing financial services using online games that can prevent victims and prevent disruptions in the financial market.

Furthermore, the embodiments disclosed herein provide a financial service using an online game that can solve the difficulty of finding a counterpart to conclude a financial contract in an online virtual space or recruiting parties to sign a contract together as a group. An object of the present invention is to provide a providing apparatus and method.

As a technical means for achieving the above technical problem, according to an embodiment, a financial service providing method performed by a financial service providing apparatus includes: providing a user with an online game that other users can access simultaneously; providing a virtual financial service using game currency used in the online game to the user in the online game; recording the usage details of the virtual financial service for the user in a block chain; when an event of converting the virtual financial service into a real financial service occurs, verifying service contents to be reflected in the real financial service using the usage history registered in the block chain; and providing the real financial service to the user according to the verified service content.

According to another embodiment, the financial service providing apparatus may store game data for providing the online game, avatar character data of each user, information on game currency held by the user, and virtual financial service usage history by the user. a storage unit for storing; an input/output unit that provides a game screen configured by using the game data stored in the storage unit to the user and receives commands or data from the user; Providing users with virtual financial services using game currency used in the online game, recording virtual financial service usage details by users on a block chain, and converting the virtual financial services into real financial services When an event occurs, a control unit that verifies the service content to be reflected in the real financial service using the usage history registered in the block chain, and provides the real financial service to the user according to the verified service content; may include

According to another embodiment, there is provided a computer readable recording medium on which a program for performing a financial service providing method is recorded, wherein the financial service providing method includes: providing a user with an online game that other users can access simultaneously; providing a virtual financial service using game currency used in the online game to the user in the online game; recording the usage details of the virtual financial service for the user in a block chain; when an event of converting the virtual financial service into a real financial service occurs, verifying service contents to be reflected in the real financial service using the usage history registered in the block chain; The method may include providing the real financial service to the user according to the verified service content.

According to another embodiment, in a computer program stored in a medium for performing a method for providing a financial service and performed by an apparatus for providing a financial service, the method for providing a financial service provides a user with an online game that other users can access at the same time. to do; providing a virtual financial service using game currency used in the online game to the user in the online game; recording the usage details of the virtual financial service for the user in a block chain; when an event of converting the virtual financial service into a real financial service occurs, verifying service contents to be reflected in the real financial service using the usage history registered in the block chain; The method may include providing the real financial service to the user according to the verified service contents.

According to any one of the above-described problem solving means, by allowing a plurality of users to connect through an online game and to be active in a virtual space, a free financial transaction or contract in the virtual space is made between users, and financial transactions in the virtual space are performed. An apparatus and method for providing a financial service using an online game that enables a transaction or contract to be applied to a real financial service may be provided.

According to any one of the above-mentioned problem solving means, by registering and managing the ledger that records financial transactions or contracts that occurred in the virtual space in the block chain, an online game that can guarantee the reliability of the recording of financial events that occurred in the virtual space An apparatus and method for providing financial services using

According to any one of the above-mentioned problem solving means, in reflecting a financial event that occurred in the virtual space to the real financial service, by performing verification using the record of the ledger registered in the block chain, only the verified data is reflected in reality Therefore, it is possible to present a device and method for providing financial services using online games that can prevent the occurrence of victims and chaos in the financial market.

Furthermore, according to any one of the above-mentioned problem solving means, using an online game that can solve the difficulty of finding a counterpart to conclude a financial contract in an online virtual space or recruiting parties to sign a contract together as a group An apparatus and method for providing financial services may be provided.

Effects obtainable in the disclosed embodiments are not limited to the above-mentioned effects, and other effects not mentioned are clear to those of ordinary skill in the art to which the embodiments disclosed from the description below belong. will be able to be understood

1 is a block diagram illustrating a schematic configuration of an apparatus for providing a financial service according to an embodiment.

2 is a diagram illustrating a network configuration including an apparatus for providing financial services according to an exemplary embodiment.

3 to 6 are flowcharts illustrating a method of providing a financial service step by step according to an exemplary embodiment.

Hereinafter, various embodiments will be described in detail with reference to the accompanying drawings. The embodiments described below may be modified and implemented in various different forms. In order to more clearly describe the characteristics of the embodiments, detailed descriptions of matters widely known to those of ordinary skill in the art to which the following embodiments belong are omitted. And, in the drawings, parts not related to the description of the embodiments are omitted, and similar reference numerals are attached to similar parts throughout the specification.

Throughout the specification, when a component is said to be "connected" with another component, it includes not only the case where it is 'directly connected' but also the case where it is 'connected with another component in between'. In addition, when a component "includes" a component, it means that other components may be further included, rather than excluding other components, unless otherwise stated.

Hereinafter, embodiments will be described in detail with reference to the accompanying drawings.

1 is a block diagram illustrating a schematic configuration of an apparatus for providing a financial service according to an embodiment, and FIG. 2 is a diagram illustrating a network configuration including the apparatus for providing a financial service according to an embodiment.

Here, the financial service providing apparatus 100 may manage game assets of each user within the online game while providing an online game that can be accessed simultaneously to a plurality of users. In addition, the financial service providing apparatus 100 may provide virtual financial services and real financial services using individual game assets of users. Here, the virtual financial service refers to a financial service limited in a virtual space provided by the financial service providing apparatus 100 , such as renting or trading game assets between users, or signing a financial contract related to game assets. Such virtual financial services can be made using game goods. On the other hand, real financial services are services provided to users by real financial institutions, and refer to general financial services provided by, for example, banks, securities companies, and insurance companies.

Also, the financial service providing apparatus 100 may apply an event occurring in the virtual financial service to the real financial service by linking the virtual financial service and the real financial service. For example, the financial service providing apparatus 100 deposits at least a portion of the game goods held by the user in the user's account opened in a virtual bank while providing the banking service to the user in the online game, and then Game goods can be converted into cash in a real bank account and deposited according to the user's request. Alternatively, a virtual financial service that allows users to borrow game assets from other users and collects the loaned game assets at a predetermined time is provided. It is possible to link real financial services and virtual financial services by collecting cash of an amount corresponding to game assets and paying other users as cash or game assets.

Here, the game asset may be, for example, virtual currency such as game currency used in the game, or may include virtual goods such as game items.

As described above, the financial service providing device 100 is a device that provides virtual and real financial services to users within an online game while providing an online game. can For example, as shown in FIG. 2, the financial service providing apparatus 100 includes an electronic terminal 101 used by each user, and a server 102 that communicates with the electronic terminal to provide a service. It can be implemented as a client system.

In this case, the electronic terminal 101 may be implemented as a computer, a portable terminal, a television, a wearable device, etc. that may include an interface capable of interacting with a user. Here, the computer includes, for example, a laptop, a desktop, and a laptop equipped with a web browser, and the portable terminal is, for example, a wireless communication device that ensures portability and mobility. , PCS (Personal Communication System), PDC (Personal Digital Cellular), PHS (Personal Handyphone System), PDA (Personal Digital Assistant), GSM (Global System for Mobile communications), IMT (International Mobile Telecommunication)-2000, CDMA (Code) All kinds of handhelds such as Division Multiple Access)-2000, W-Code Division Multiple Access (W-CDMA), Wireless Broadband Internet (Wibro), Smart Phone, Mobile Worldwide Interoperability for Microwave Access (WiMAX), etc. It may include a (Handheld)-based wireless communication device. In addition, the television may include IPTV (Internet Protocol Television), Internet TV (Internet Television), terrestrial TV, cable TV, and the like. Furthermore, the wearable device is, for example, a type of information processing device that can be worn directly on the human body, such as watches, glasses, accessories, clothes, shoes, etc. can be connected with

In addition, the server 102 may be implemented as a computer capable of communicating through a network with an electronic terminal in which an application or a web browser is installed for interaction with the user, or may be implemented as a cloud computing server. In addition, the server may include a storage device capable of storing data or may store data through a third server.

Meanwhile, as described above, when the financial service providing apparatus 100 is implemented as a server-client, a third-party server operated by a financial institution that provides real financial services may be included in the network illustrated in FIG. 2 . In this case, the financial service providing apparatus 100 may communicate with a third-party server of a financial institution through a network so that a financial event generated through the virtual financial service is reflected in the real financial service. This will be described later.

When a detailed configuration of the financial service providing apparatus 100 is described in more detail with reference to FIG. 1 , the financial service providing apparatus 100 may include a storage unit 110 .

The storage unit 110 specifically stores various data for providing online games to users. The storage unit 110 may store data on a virtual space in which an online game is to be performed, for example, data on various game objects constituting the virtual space, and data of various characters to be active in the online game. In this case, the game character may include a non-player character (hereinafter referred to as 'NPC') in the game or characters of users. In this case, the characters of the users are characters selected by each user, and are characters representing the user in the virtual space. The storage unit 110 may store other game scenarios, game items, and data for a mission or event in the game.

On the other hand, the storage unit 110 is a user identifier (hereinafter referred to as 'ID') assigned to each user, and the user's game information related to the user ID, for example, the user's character information, the game assets owned by the user. Information, item information owned by the user, and the like may be stored. Here, as described above, the game assets may include game currency commonly used in the online game provided by the financial service providing device 100, and below, the game currency is expressed as a 'coin' for convenience of explanation.

Furthermore, the storage unit 110 may store the entitlement information granted to the user in association with the user ID. In the financial service providing apparatus 100, some users may be classified as subjects providing financial services on behalf of banks or insurance companies, and accordingly, the storage unit 110 provides information on qualifications as financial experts for some users. By associating and storing the , it can be distinguished from other users. In this case, in order to be entitled to a specific user, the financial service providing apparatus 100 may go through a predetermined authentication process, which will be described later.

Meanwhile, the storage 110 may at least temporarily store related data in the process of providing a virtual financial service on an online game. Through this, data on the use of financial services can be recorded on the blockchain. For example, the storage 110 may at least temporarily record a message transmitted and received between users when a user to whom the expert qualification is granted transmits and receives a message related to a financial service with another user. In addition, when a financial contract is concluded between users in an online game, the storage unit 110 at least temporarily records the contract details to be concluded, so that the contract details are registered in the block chain when the contract is concluded. Furthermore, the storage 110 may at least temporarily record the financial transaction details between users, so that the financial transaction details may be registered in the block chain later. For example, when a specific user exchanges coins with other users, the transaction details of these coins may be temporarily recorded in the storage unit 110 before being recorded in the block chain.

Meanwhile, the financial service providing apparatus 100 may include an input/output unit 120 . The input/output unit 120 is a component for interacting with a user, and may provide a predetermined graphic user interface to the user and receive a user's command through this. To this end, the input/output unit 120 may include an input unit for receiving a user's input and an output unit for displaying a game screen or various graphic user interfaces.

Specifically, the input unit may include devices capable of receiving various types of user input, such as a keyboard, a physical button, a touch screen, a camera, or a microphone. Also, the output unit may include a display panel, a speaker, or a headset. However, the present invention is not limited thereto, and the input/output unit 120 may include a configuration supporting various input/output.

The input/output unit 120 may output a game screen configured by using the data stored in the storage unit 110 and receive a command from the user in real time in response to the output screen. In particular, the input/output unit 120 may configure a game screen in which a plurality of users are active in a virtual space, and may receive commands from individual users through this.

In addition, the input/output unit 120 may provide a graphic user interface that allows users to exchange text, images, documents, etc. with each other as messages, or to have voice or image conversations in real time. That is, the input/output unit 120 may mediate a conversation between users.

Furthermore, the input/output unit 120 may provide a graphic user interface that allows users to use virtual financial services. For example, to allow game assets to be traded or rented between users, financial contracts to be concluded between general users and users with expert qualifications, or two or more general users to form a group, with expert qualifications It is possible to provide a graphical user interface that allows a financial contract to be concluded between a given user or a financial contract between two or more general users as a group. The graphical user interface for using such a virtual financial service includes, for example, an icon for selecting a type of financial service, a field for entering item information corresponding to the selected type of financial service, and a filled item A button for confirming the contents of the financial service according to the information may be included.

For example, when user A wants to use a financial service that lends coins from user B, the input/output unit 120 allows the user to select a service type corresponding to the loan of the coin, the amount of the coin to be loaned, and the loan It is possible to provide a graphical user interface to users A and B to enter item information, such as period and price for rental, and to allow users A and B to agree to the rental of game coins according to the item information.

Furthermore, the financial service providing apparatus 100 may include a communication unit 130 . The communication unit 130 may include a communication module supporting at least one of various wired and wireless communication methods. For example, the communication module may be implemented in the form of a chipset.

The communication unit 130 may communicate with other devices through the network N. For example, the communication unit 130 may communicate with the above-described third-party server of the financial institution. Accordingly, it is possible to link the virtual financial service and the real financial service. For example, when a certain user's coins are insufficient, the communication unit 130 is a third-party financial institution so that the user can deduct the amount of cash corresponding to the insufficient coin from the real bank account registered in advance by the user and fill the insufficient coin. It can communicate with the server to process withdrawals from the user's bank account.

Also, for example, when the monthly payment of the insurance subscribed by the user is set to be deducted from the user's coins, the communication unit 130 deducts the user's coins when the withdrawal date of the monthly payment arrives. Information on whether the monthly payment has been paid can be transmitted to the party server.

In this case, the wireless communication supported by the communication unit 130 may be, for example, Wireless Fidelity (Wi-Fi), Wi-Fi Direct, Bluetooth, Ultra Wide Band (UWB), or Near Field Communication (NFC). In addition, the wired communication supported by the communication unit 130 may be, for example, USB or High Definition Multimedia Interface (HDMI). Also, the communication unit 130 may transmit data or a message to a destination through the Internet or a mobile communication network.

Meanwhile, the financial service providing apparatus 100 may include a controller 140 . The controller 140 controls the overall operation of the financial service providing apparatus 100 and may include a processor such as a CPU.

The controller 140 may read data stored in the storage 110 or write new data in the storage 110 . In addition, the control unit 140 may execute a program stored in the storage unit 110 to provide online games and financial services to the user.

Specifically, when users access a service provided by the financial service providing device 100 and want to play an online game, the controller 140 grants a user ID to the user and allows the user to select a character to be the user's avatar. can do. In this case, the character may be expressed as a two-dimensional or three-dimensional graphic image, and the user may create a character by selecting one of a plurality of preset types of characters or by combining elements to constitute a graphic image of the character.

In this case, the controller 140 may allow the user to perform authentication using a distributed identity identifier (hereinafter referred to as a 'Decentralized Identifier (DID)') so that the user ID matches the user who is an actual natural person in advance. Furthermore, by delivering the user ID of the online game to DID User Agents installed in the user's electronic terminal, the user ID in the game can be included as identity information in the user's DID Attestations. Through this, the user can prove his/her identity as a natural person during the online game and, if necessary, confirm the user ID of the user when reflecting the usage history of the virtual financial service in the real financial service. For example, when a user concludes a financial contract that can be converted into a real financial contract in an online game, the user may be required to perform DID authentication to confirm the user's identity as a real natural person.

In addition, the controller 140 may perform additional authentication for some of the users to grant the user the qualification of a financial expert, that is, the qualification of a provider of a virtual financial service provided in the online game space. At this time, the control unit 140 allows such a user to perform qualification authentication by including information such as whether or not the financial institution is employed and related qualifications in the DID identity certificate, and information such as the authenticated qualifications or affiliated financial institutions of the user. It can be included in the avatar character information to be displayed to other users.

Furthermore, the controller 140 may record a financial service provision performance of a qualified user and provide the performance information to other users along with the avatar information of the corresponding user.

Hereinafter, as described above, users who have proven their qualifications as providers of financial services on behalf of financial institutions will be described by classifying them as 'expert users'.

Meanwhile, the controller 140 may provide users with a large-scale multiplayer game in a virtual space. A plurality of users can play a game together in the same virtual space. In this case, the game may be a role-playing game, but is not necessarily limited thereto. The controller 140 may provide a game in a manner that enables mutual interaction between users, and for this purpose, real-time conversation using text or audio may be enabled between users, and documents, images, etc. may be used between users. data exchange can be made possible.

In this case, the controller 140 may allow users to search for other users or expert users, and may select an avatar character of the searched user to request a conversation. Furthermore, the controller 140 may allow users to designate another user and use a financial service with the designated user as a party.

In addition, the control unit 140 groups users into one group, and allows users belonging to the group to use one financial service together or to use the same financial service at the same time. For example, the control unit 140 may make a financial contract such as a 'credit' in which a certain amount of coins are collected and paid to one user at a predetermined period among users belonging to one group, and financial services may be provided accordingly. Alternatively, users belonging to one group may negotiate contract terms with other expert users to conclude a virtual insurance contract such as P2P insurance.

To this end, the controller 140 may group and manage a plurality of users into one financial group. In this case, one user may belong to a plurality of different financial groups, respectively. For example, a random user forms a group A with other users and operates a virtual system that supports each other by exchanging coins, and at the same time forms a group B with other users and negotiates with an expert user to acquire coins. You can sign a virtual insurance contract to experience in a virtual space using

Meanwhile, the controller 140 may provide a banking service for operating a virtual financial account that can be connected to a real financial account in order to link it with the real financial service while providing the virtual financial service. In this case, the banking service can be operated after the expert user corresponding to the actual banker proves his/her qualifications. Accordingly, a plurality of different banking services may be provided in the online game of the financial service providing apparatus 100 .

Here, the banking service may be a virtual financial service for coins used in online games, such as depositing coins held by users in a user account in a virtual bank opened by requesting expert users, or lending coins from expert users. have. At this time, for example, each expert user can earn interest by paying interest in coins in proportion to the amount of coins the user has deposited in the virtual bank or by lending the coins deposited by the users to other users.

In addition, when a user opens and uses a virtual account using a banking service, the controller 140 may request the user to open an account at a real bank operated by a financial institution to which the expert user belongs. In this case, the expert user requests the execution of the DID authentication procedure of the user who has requested the real account opening through the financial service providing device 100 and requests the third-party server of the financial institution to open an account with the identity of the user according to the authentication result. can Accordingly, the opened real bank account may be set to be linked with the virtual bank account.

In addition, the control unit 140 may receive the bank account information already held by the user, and may be linked with the user's virtual account.

Thereafter, the control unit 140 may record the user's banking service transaction details through the virtual account in the block chain.

In addition, the control unit 140 may record the user's usage history for the virtual financial service at regular intervals or whenever a new usage history occurs in the ledger and register it in the block chain. To this end, the control unit 140 may manage a plurality of nodes while allowing the block chain to be stored in each node. For example, each electronic terminal 101 corresponding to a client in the financial service providing apparatus 100 may be a node in which a block chain is recorded.

The controller 140 may record data on the virtual financial service usage history for the user in the ledger and register it in the block chain. Here, the financial service usage history may include, for example, the user's banking service usage history as described above. At this time, the transaction details of the user with the expert user may be recorded in the block chain.

In addition, the control unit 140 may also record the coin transaction history between general users in the block chain.

Furthermore, the control unit 140 controls specific contract clauses such as a financial contract between users, for example, a contract for renting a coin or a contract for renting an item, a contract constituting a system, and a financial contract between a user and an expert user, e.g. For example, detailed conditions such as a virtual insurance contract, contract execution time, and contract execution history including information of the contracting party can be recorded on the block chain. In addition, after the contract is made, the control unit 140 may also record information on the details of the contract fulfillment between users in the block chain.

At this time, when the user uses the financial service or records the use of the financial service in the block chain, the control unit 140 allows the user to perform DID authentication and converts the user's DID, that is, a distributed identity identifier, to a financial transaction or contract. It can be recorded in the ledger as party information of Through this, when the virtual financial service is converted into a real financial service in the future, it is possible to specify the target of providing the real financial service as a natural person.

Furthermore, when the usage details of the virtual financial service are recorded in the block chain, the control unit 140 may record the conversation data between the parties of the financial transaction or contract together in the ledger. In particular, when a financial contract between an expert user and a general user is concluded, the control unit 140 may register the conversation history between the two together in the block chain.

On the other hand, when the virtual financial contract is recorded in the block chain, the control unit 140 may cause the program code corresponding to the contract clause to be recorded together in the block chain. That is, the control unit 140 may manage a virtual financial contract with a block chain using smart contract technology. Accordingly, the control unit 140 periodically executes the program code recorded in the block chain, so that the actual contract clause is automatically performed. For example, if user B rents an item owned by user A for one month, and a contract is signed in which user A receives 10 coins daily from user B, the control unit 140 controls 10 coins from the coins held by user B every day. 10 coins are paid to user A, and the item of user B can be retrieved and delivered to user A when a month has elapsed.

Meanwhile, when an event of converting a virtual financial service into a real financial service occurs, the controller 140 may verify the service contents to be reflected in the real financial service using the usage history registered in the block chain.

For example, when the user requests to convert 5000 coins among the coins deposited in the virtual bank account into cash, the control unit 140 checks the balance information of the user's virtual bank account recorded in the block chain and converts the actual 5000 coins into cash. You can check if the amount is available. In this case, the controller 140 may allow the user to perform DID authentication even when the user requests to switch to the actual financial service. Subsequently, if the 5000 coins correspond to the convertible amount, the controller 140 may convert them into cash and deposit them in a previously linked real bank account.

In this case, according to an embodiment, a request for converting a coin into cash may occur outside the service provided by the financial service providing apparatus 100 . For example, the user may request to convert at least some of the coins deposited in the virtual account in the financial service providing device 100 into cash within the online service of the real bank, and thus operate the online service of the bank The third-party server that uses the DID of the user makes a request to the financial service providing device 100 to check the coin balance on the corresponding user's virtual account, or the coin balance on the corresponding user's virtual account in the blockchain registered in the node. can be verified.

Meanwhile, the controller 140 may receive a request for converting a virtual financial contract into a real financial contract from a user corresponding to the contracting party. For example, it may receive a request to convert a virtual insurance contract into a real insurance contract provided by a real insurer.

In this case, the control unit 140 may verify the contract clause requested by the user to convert it to a real insurance contract through the contract conclusion history recorded in the block chain, and then transmit it to the insurance company's third-party server. Alternatively, the control unit 140 may transmit the contract clause requested by the user to convert it into an actual insurance contract to the insurance company, and the insurance company's server may verify the contract clause using the blockchain registered in the nodes.

On the other hand, even if there is no user's request, the control unit 140 can link the virtual financial service with the real financial service when the preset conversion condition is completed. For example, a coin rental contract is concluded between users, If the contract is not redeemed for the coin, it may be concluded on the condition that it is redeemed in cash instead. In this case, if the loan is not repaid at the time the loan is returned, the control unit 140 considers that a conversion event has occurred, and cash of an amount corresponding to the loan that is not repaid from the real bank account registered in advance for the user who is obligated to return the loan can be paid

Hereinafter, a financial service providing method performed by the above-described financial service providing apparatus 100 will be described with reference to FIGS. 3 to 6 . 3 to 6 are diagrams illustrating a method of providing a financial service step by step according to an exemplary embodiment.

The financial service providing method according to the embodiment illustrated in FIGS. 3 to 6 includes steps that are time-series processed by the financial service providing apparatus 100 illustrated in FIGS. 1 and 2 . Therefore, even if omitted below, the contents described above with respect to the financial service providing apparatus 100 shown in FIGS. 1 to 2 are also applicable to the financial service providing method according to the embodiment shown in FIGS. 3 to 6 . can

First, as shown in FIG. 3 , the financial service providing apparatus 100 provides an online game service to users ( S310 ). Although the content of the game is not limited, a coin, which is a virtual currency, may be circulated as game goods in the game, and a game in which a plurality of users can be accessed simultaneously is provided. In this case, the coin may be paid as a reward to the user within the game service or purchased with cash.

In addition, the financial service providing apparatus 100 provides a virtual financial service within the online game (S320). In more detail, the financial service providing apparatus 100 may allow the user to specify another user who is a financial transaction or contract counterpart, and to select a financial service content to be used. For example, transactions such as trading or renting coins, trading or lending items in exchange for coins, signing a contract for the use of financial products, signing up for a coin exchange between users, or purchasing insurance I can let you choose the contract type.

Accordingly, when the user uses the financial service, the contents of the used financial service, user information, time information, etc. may be stored at least temporarily as financial service usage details ( S330 ).

Subsequently, the financial service providing apparatus 100 may register data on the financial service usage history in the block chain (S340). At this time, the block chain is managed in a distributed manner, and the financial service providing apparatus 100 may use the electronic terminal of each game user as a node so that the block chain is recorded.

On the other hand, when a request for provision of a real financial service related to a virtual financial service occurs or a condition for conversion to a real financial service is completed (S350), the financial service providing apparatus 100 blocks the contents of the financial service to be provided in the real world After verification based on the financial service usage history recorded in the chain (S360), the actual financial service is provided according to the verified service contents (S370).

Specific examples of the above-described embodiment will be further described later with reference to FIGS. 5 and 6 .

Meanwhile, as shown in FIG. 4 , when a user applies for a subscription to use an online game service provided by the financial service providing apparatus 100 ( S410 ), the financial service providing apparatus 100 provides a financial service for identification of the user. A user ID to be used by the providing device 100 may be generated ( S410 ), and the generated user ID may be issued to the user's electronic terminal or displayed to the user.

In addition, the financial service providing apparatus 100 may allow the user to create a desired character as an avatar (S430). Accordingly, the user is provided with a virtual financial service while having a virtual experience using his/her avatar in the virtual space of the online game provided by the financial service providing apparatus 100 .

Subsequently, the financial service providing apparatus 100 may request the user to perform identity authentication using the DID (S440). Accordingly, when the user performs identity authentication using the DID identity certificate and authentication is successful (S450), the financial service providing apparatus 100 provides the user ID to the DID user agent installed in the user's electronic terminal (S460), The user ID may be registered in the user's DID identity certificate (S470).

In this case, the financial service providing apparatus 100 may request identity authentication using the DID only when the user uses the financial service.

Meanwhile, as shown in FIG. 5 , in a specific embodiment of the financial service providing method performed by the financial service providing apparatus 100 , the financial service providing apparatus 100 may provide an online game to users ( S510 ).

In addition, the financial service providing apparatus 100 may mediate a conversation so that users can have a conversation with each other ( S520 ). In addition to message-based conversations, real-time conversations using voice or video calls can also be made, and three or more users can have conversations together. In this case, the users may request and have a conversation by selecting an avatar character of another user using their avatar character in the virtual space. Accordingly, users can sufficiently communicate and exchange information related to financial services even if they do not face each other. In particular, as described above, conversations between users and expert users can be registered on the blockchain after being recorded.

Meanwhile, the financial service providing apparatus 100 may mediate virtual financial transactions between users ( S520 ). For example, an arbitrary user may request to deposit a coin in a virtual bank account while paying a coin to an expert user corresponding to a banker, and the financial service providing apparatus 100 deducts the user's coin accordingly You can have your coins deposited into your bank account. Accordingly, the financial service providing apparatus 100 may change and record the number of coins held by the user according to the transaction details ( S540 ).

In addition, the financial service providing apparatus 100 may register such a virtual financial service use record, that is, data on transaction details in the block chain to be distributed and recorded (S550).

On the other hand, the financial service providing apparatus 100 receives a user's request for linking a virtual financial service to a real financial service, such as when a user requests to transfer a coin to a real bank account (S560), block The actual financial service contents requested by the user can be verified using the chain (S570). For example, when a user converts a specified amount of coins into cash and requests a deposit into a bank account, the financial service providing apparatus 100 converts the user based on the user's virtual transaction history recorded in the blockchain distributed and stored in the node. You can check whether the requested amount of coins is deposited in the virtual account of the real user. Accordingly, an amount of cash corresponding to the requested coin may be deposited in the user's bank account (S580).

In this case, steps S560 to S580 may be performed not by the financial service providing apparatus 100 but by a third-party server of the bank.

Meanwhile, as shown in FIG. 6 , according to another specific embodiment of the method for providing a financial service, a virtual financial contract may be converted into a real financial contract.

In more detail, the financial service providing apparatus 100 may provide an online game to users (S610) and mediate a conversation between users (S620), so that the users conclude a virtual insurance contract. In this case, an insurance contract will be described as an example, but the method of providing financial services is not limited thereto, and all kinds of financial contracts between general users may be brokered. For example, a contract such as a system may be established in which a plurality of users join a system, collect a certain amount of coins from users every cycle, and pay back to one user.

In this case, the financial service providing apparatus 100 may select one type of a plurality of types of contracts in advance so as to select various types of financial contracts and set related contract clauses, and include an entry field for related clauses. A graphical user interface may be provided to users.

In this case, in step S630 , the financial service providing apparatus 100 may allow two or more users to set up a group in order to mediate a contract between two or more users. Meanwhile, in step S630 , when the financial contract is an insurance contract, the financial service providing apparatus 100 may set one of the contracting parties as an expert user and the other party as a group including one or more users.

Furthermore, the financial service providing apparatus 100 may simply cause a financial contract to be concluded in such a way that a plurality of general users become contract parties, and an expert user guarantees a contract between the plurality of general user parties. Accordingly, for example, a virtual P2P loan or P2P insurance contract may be concluded between a plurality of users.

Meanwhile, the financial service providing apparatus 100 may request DID authentication of users of each party when a contract is concluded.

Subsequently, when the contract conclusion is completed, the financial service providing apparatus 100 may record the contract conclusion details including the contract clause in the block chain ( S640 ).

Meanwhile, in step S640, when the financial service providing device 100 records the contract conclusion on the block chain, the program code programmed to enable the implementation according to the contract clause is recorded together in the block chain, so that the actual contract clause fulfillment conditions are Upon completion (S650), the contractual obligation may be automatically performed according to the contract clause (S660). For example, each time the deadline arrives, the monthly payment of insurance can be deducted from the user's coins.

In step S650, the financial service providing device 100 causes the situation guaranteed by the actual insurance to occur for the user's avatar character in the virtual space, and accordingly, the insurance money is paid according to the virtual insurance contract. Users can be provided with a virtual experience such as experiencing real insurance. In other words, users can fulfill their virtual obligation to pay monthly payments with their own coins, and expert users can fulfill their obligation to pay insurance money according to the situation that has occurred.

Accordingly, it is possible to provide users with an experience of using virtual insurance.

Accordingly, users may request to convert the virtual insurance contract into an actual insurance contract (S670). Alternatively, users may request to change the contract clause according to the result of the virtual experience (S680). At this time, if the contract clause is changed, the expert user can repeatedly perform the process of concluding the contract by confirming the contents of the insurance contract again, such as changing and presenting the obligations or performance conditions of the insurance contract according to the changed contract clause (S630 to S630) S640).

When users make a request to convert a virtual insurance contract into an actual insurance contract (S670). The financial service providing device 100 provides the contract execution details recorded in the block chain to the insurance company's third-party server or expert user, and the insurance company reviews the insurance contract accordingly and issues the insurance certificate to make the contract a reality. A process for generating an effect may be performed (S690). In this process, the financial service providing apparatus 100 may perform verification again using the block chain for the insurance contract clause.

Subsequently, when the real insurance contract is concluded, the financial service providing apparatus 100 may perform the contract obligation according to the completion of the fulfillment condition based on the contract execution details recorded in the block chain ( S700 ). Of course, the fulfillment of the contractual obligation may be made outside the service provided by the financial service providing device 100, but, for example, when a contract is made so that monthly insurance premiums are paid in coins, the financial service providing device 100 is recorded in the block chain. According to the program code, it is possible to wait for the completion of the fulfillment condition, and when the implementation condition is completed, the user's coin corresponding to the contracting party can be deducted and the corresponding monthly insurance premium can be paid to the insurance company. Furthermore, even when the premium is paid in coins, the financial service providing apparatus 100 may pay a predetermined premium in coins to the user according to the completion of the fulfillment condition.

The term '~ unit' used in the above embodiments means software or hardware components such as field programmable gate array (FPGA) or ASIC, and '~ unit' performs certain roles. However, '-part' is not limited to software or hardware. '~unit' may be configured to reside in an addressable storage medium or may be configured to refresh one or more processors. Thus, as an example, '~' denotes components such as software components, object-oriented software components, class components, and task components, and processes, functions, properties, and procedures. , subroutines, segments of program patent code, drivers, firmware, microcode, circuitry, data, databases, data structures, tables, arrays, and variables.

Functions provided in components and '~ units' may be combined into a smaller number of components and '~ units' or separated from additional components and '~ units'.

In addition, components and '~ units' may be implemented to play one or more CPUs in a device or secure multimedia card.

The financial service providing method according to the embodiment described with reference to FIGS. 3 to 6 may also be implemented in the form of a computer-readable medium for storing computer-executable instructions and data. In this case, the instructions and data may be stored in the form of program codes, and when executed by the processor, a predetermined program module may be generated to perform a predetermined operation. In addition, computer-readable media can be any available media that can be accessed by a computer, and includes both volatile and nonvolatile media, removable and non-removable media. In addition, the computer readable medium may be a computer recording medium, which is a volatile and non-volatile and non-volatile embodied in any method or technology for storage of information such as computer readable instructions, data structures, program modules or other data. It may include both volatile, removable and non-removable media. For example, the computer recording medium may be a magnetic storage medium such as HDD and SSD, an optical recording medium such as CD, DVD, and Blu-ray disc, or a memory included in a server accessible through a network.

Also, the financial service providing method according to the embodiment described with reference to FIGS. 3 to 6 may be implemented as a computer program (or computer program product) including instructions executable by a computer. The computer program includes programmable machine instructions processed by a processor, and may be implemented in a high-level programming language, an object-oriented programming language, an assembly language, or a machine language. . In addition, the computer program may be recorded in a tangible computer-readable recording medium (eg, a memory, a hard disk, a magnetic/optical medium, or a solid-state drive (SSD), etc.).

Accordingly, the financial service providing method according to the embodiments described through 3 to 6 may be implemented by executing the above-described computer program by a computing device. The computing device may include at least a portion of a processor, a memory, a storage device, a high-speed interface connected to the memory and the high-speed expansion port, and a low-speed interface connected to the low-speed bus and the storage device. Each of these components is connected to each other using various buses, and may be mounted on a common motherboard or mounted in any other suitable manner.

Here, the processor may process commands within the computing device, such as for displaying graphic information for providing a Graphical User Interface (GUI) on an external input or output device, such as a display connected to a high-speed interface. Examples are instructions stored in memory or a storage device. In other embodiments, multiple processors and/or multiple buses may be used with multiple memories and types of memory as appropriate. In addition, the processor may be implemented as a chipset formed by chips including a plurality of independent analog and/or digital processors.

Memory also stores information within the computing device. As an example, the memory may be configured as a volatile memory unit or a set thereof. As another example, the memory may be configured as a non-volatile memory unit or a set thereof. The memory may also be another form of computer readable medium such as, for example, a magnetic or optical disk.

In addition, the storage device may provide a large-capacity storage space to the computing device. The storage device may be a computer-readable medium or a component comprising such a medium, and may include, for example, devices or other components within a storage area network (SAN), a floppy disk device, a hard disk device, an optical disk device, Alternatively, it may be a tape device, a flash memory, or other semiconductor memory device or device array similar thereto.

The above-described embodiments are for illustration, and those of ordinary skill in the art to which the above-described embodiments belong can easily transform into other specific forms without changing the technical idea or essential features of the above-described embodiments. You will understand. Therefore, it should be understood that the above-described embodiments are illustrative in all respects and not restrictive. For example, each component described as a single type may be implemented in a distributed manner, and likewise components described as distributed may also be implemented in a combined form.

The scope to be protected through this specification is indicated by the claims described below rather than the above detailed description, and should be construed to include all changes or modifications derived from the meaning and scope of the claims and their equivalents. .

Claims

performed by a financial service providing device using an online game;

providing a user with an online game that other users can access at the same time;

providing a virtual financial service using game currency used in the online game to the user in the online game;

recording the usage details of the virtual financial service for the user in a block chain;

when an event of converting the virtual financial service into a real financial service occurs, verifying service contents to be reflected in the real financial service using the usage history registered in the block chain;

and providing the real financial service to the user according to the verified service content.
According to claim 1,

Providing the online game comprises:

providing the user's avatar character and the other user's avatar character in a virtual space; and

and mediating a conversation between the user and the other user when the user selects the avatar character of the other user.
According to claim 1,

The method of providing the financial service,

Using the distributed identity identifier of the user, further comprising the step of authenticating the identity of the user, the financial service providing method.
3. The method of claim 2,

The step of providing the virtual financial service comprises:

and mediating at least one of a virtual financial transaction or a conclusion of a financial contract between the user and the other user.
5. The method of claim 4,

The step of recording the usage details in the block chain is,

A method for providing financial services, comprising recording data on at least one of virtual financial transaction details between the user and the other user, financial contract execution details, and financial contract execution details in a ledger and registering in a block chain .
6. The method of claim 5,

The event of converting the virtual financial service into a real financial service,

The financial service providing method, which is generated by the completion of a condition set in advance to convert the virtual financial service into a real financial service or a request for switching of the user or the other user.
7. The method of claim 6,

If the other user is a certified professional who represents a real financial institution,

The step of providing the real financial service comprises:

and converting a virtual financial transaction or financial contract between the user and the other user into a financial transaction or financial contract between the user and the financial institution.
8. The method of claim 7,

The step of providing the real financial service comprises:

Based on the financial transaction details between the user and the other user, converting at least a portion of the game currency deposited in the user's virtual account into cash and transferring it to the user's account of the financial institution, How to provide financial services.
8. The method of claim 7,

The step of providing the real financial service comprises:

and generating a virtual financial contract as a financial contract between the user and the financial institution based on the financial contract conclusion details between the user and the other user.
10. The method of claim 9,

The step of providing the real financial service comprises:

when the virtual financial contract is a virtual insurance contract, making the virtual insurance contract into an insurance contract for the user based on a financial contract conclusion between the user and the other user; and

Receiving a monthly payment amount from the user based on a contract clause of the virtual insurance contract conclusion details,

The step of receiving the monthly payment amount,

Deducting an amount corresponding to the monthly payment amount from the game currency held by the user, and paying the deducted game currency to the other user.
A financial service providing device using an online game, comprising:

a storage unit for storing game data for providing the online game, avatar character data of each user, information on game currency held by the user, and virtual financial service usage history by the user;

an input/output unit that provides a game screen configured by using the game data stored in the storage unit to the user and receives commands or data from the user;

Provides virtual financial services using game currency used in the online game to users, records virtual financial service usage details by users in a block chain, and converts the virtual financial services into real financial services When an event occurs, a control unit that verifies the service content to be reflected in the real financial service using the usage history registered in the block chain, and provides the real financial service to the user according to the verified service content A device for providing financial services, including.
12. The method of claim 11,

The control unit is

Mediates a conversation between an arbitrary user and another user, mediates the conclusion of a financial transaction or a financial contract between the user and the other user, and when the conclusion of the financial transaction or financial contract is established, between the user and the other user A device for providing a financial service, which records data on at least one of virtual financial transaction details, financial contract execution details, and financial contract execution details and conversations between the user and other users in the ledger and registers it in the block chain.
13. The method of claim 12,

The financial service providing device comprises:

Further comprising a communication unit that communicates with the server of the real financial institution,

The control unit is

Verifies the service content to be reflected in the real financial service using the usage history registered in the block chain, and requests the server of the financial institution to provide the real financial service to the user according to the verified service content A device that provides financial services.
12. The method of claim 11,

The control unit is

When a virtual financial transaction or financial contract is concluded between the user and the other user, the user and the other user's distributed identity identifier is used to authenticate the identity of the user and the other user, and a ledger registered in the block chain A device for providing a financial service that records the identity identifiers of the user and the other user as parties to a transaction or contract in the .
A computer-readable recording medium in which a program for performing the method according to claim 1 is recorded.