KR102022453B1 - Method for providing blockchain based debt collection law service using token and virtual currency - Google Patents

Abstract

Provided is a method for providing a debt collection and management service using bond-based cryptocurrency issuance, comprising the steps of: registering bond data including a credit amount, a debtor, and creditor for bonds; issuing tokens based on the credit amount of the registered bond data and a predetermined token issuance index for issuing tokens in a number corresponding to the credit amount, and granting the tokens to a creditor terminal of the creditor; issuing virtual currency so as to convert the tokens in a number corresponding to an amount of repayment into virtual currency based on a predetermined virtual currency index when the debtor repays part or all of the credit amount, and transmitting the virtual currency to the creditor terminal; and transmitting a predetermined percentage of the issued number of virtual currency to a debtor terminal of the debtor. The present invention can facilitate credit collection.

Description

METHODS FOR PROVIDING BLOCKCHAIN BASED DEBT COLLECTION LAW SERVICE USING TOKEN AND VIRTUAL CURRENCY}

The present invention relates to a method for providing a bond collection and management service using a bond asset-based cryptocurrency issuance, and provides a method for converting a bond into a token, which is proof of ownership, and converting the bond into a virtual currency according to the repayment amount.

As the global economy continues to underperform, countries around the world have been introducing negative interest rates, continuing quantitative easing, and Korea has entered a period of ultra-low interest rates that are unprecedented, and the profitability of financial institutions has been declining. The delay in the recovery of the real economy has a negative effect on the financial market, restricting the growth of the financial industry, and while the size and ratio of bad loans are increasing, Japan is the first in the world to issue Bitcoin-denominated bonds, resulting in financial instruments of cryptocurrency. I plan to transfer.

At this time, the method of issuing virtual currency based on credit card receivables has been researched and disclosed.In this regard, Korean Patent Publication No. 2018-0020933 (published Feb. 28, 2018), which is related to the card sales issued by Bansa, By issuing virtual currency using the payment approval information, it is possible to promptly issue a sufficient amount of virtual currency required to perform a function as a currency, and to have a value that matches one-to-one with cash, the real currency. To ensure the safety, the card merchant to start the configuration that can provide the effect of immediate payment card payment.

However, before the global financial crisis, there was no sharing of information between the real economy and the financial market, but after the global financial crisis that influenced the whole world, information was shared between the real and financial markets, resulting in structural changes between bond and real economies. Only afterwards was the real economy predicting the bond market, but the bond market was found to be unable to penetrate the real economy because it did not actually affect the real economy.

In one embodiment of the present invention, by converting the bond into tokens, the creditor is issued to the creditor to retain the characteristics of the investment equity certificate, and the creditor is paid to the creditor so that the debtor can convert the amount to be repaid into virtual currency. When converting, the number of tokens can be reduced by the amount repaid, thereby providing a method of providing bond collection and management services using bond asset-based cryptocurrency issuance that allows bonds to infiltrate the real economy using virtual currency and tokens.

In addition, according to one embodiment of the present invention, by collecting virtual currency corresponding to a predetermined percentage of the repayment amount to the debtor who has repaid, it is possible to inspire the motivation to repay the bond through the debt collection service of the present invention. This facilitates, it is possible to provide a method for providing bond collection and management services using bond asset-based cryptocurrency issuance. However, the technical problem to be achieved by the present embodiment is not limited to the technical problem as described above, and other technical problems may exist.

As a technical means for achieving the above-described technical problem, an embodiment of the present invention, the step of registering the bond data including the bond amount, the debtor and the creditor for the bond, the number corresponding to the bond amount and the bond amount of the registered bond data Issuing a token to a creditor terminal of a creditor based on a predetermined token issuance index for issuing tokens, and when repaying part or all of the debt amount from the debtor, the number of tokens corresponding to the redeemed repayment amount Issuing and transmitting the virtual currency to the creditor terminal based on the set virtual currency index, and transmitting a predetermined percentage of the issued number of virtual currency to the debtor terminal of the debtor. do.

According to any one of the above-mentioned means for solving the problem of the present invention, the creditor converts the bond into tokens and issues them to the creditor so as to retain the characteristics of the investment equity certificate, and converts the amount as much as the debtor pays back into virtual currency. The amount of tokens can be reduced by the amount repaid when converting them to virtual currency so that bonds can be penetrated into the real economy using virtual currency and tokens.

In addition, according to any one of the problem solving means of the present invention, the motivation and expectation to pay the bond through the debt collection service of the present invention by paying the virtual currency corresponding to the predetermined percentage of the repayment amount to the debtor who made the repayment It is possible to provide a method for providing bond collection and management services using issuance of bond asset-based cryptocurrency, which facilitates debt collection.

1 is a view for explaining a system for providing bond collection and management service using bond asset-based cryptocurrency issuance according to an embodiment of the present invention.
FIG. 2 is a block diagram illustrating a bond collection service providing server included in the system of FIG. 1.
3 is a view for explaining an embodiment in which a bond collection service using bond asset-based cryptocurrency issuing according to an embodiment of the present invention is implemented.
FIG. 4 is a diagram illustrating a process in which data is transmitted and received between components included in a bond collection and management service providing system using a bond asset-based cryptocurrency issuance of FIG. 1 according to an embodiment of the present invention.
5 is a flowchart illustrating a method of providing a bond collection and management service using bond asset-based cryptocurrency issuance according to an embodiment of the present invention.

DETAILED DESCRIPTION Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art may easily implement the present invention. As those skilled in the art would realize, the described embodiments may be modified in various different ways, all without departing from the spirit or scope of the present invention. In the drawings, parts irrelevant to the description are omitted in order to clearly describe the present invention, and like reference numerals designate like parts throughout the specification.

Throughout the specification, when a part is "connected" to another part, this includes not only "directly connected" but also "electrically connected" with another element in between. . In addition, when a part is said to "include" a certain component, which means that it may further include other components, except to exclude other components, unless specifically stated otherwise, one or more other features It is to be understood that the present disclosure does not exclude the possibility of the presence or the addition of numbers, steps, operations, components, parts, or combinations thereof.

As used throughout the specification, the terms "about", "substantially", and the like, are used at, or in close proximity to, numerical values when manufacturing and material tolerances inherent in the meanings indicated are intended to aid the understanding of the invention. Accurate or absolute figures are used to assist in the prevention of unfair use by unscrupulous infringers. As used throughout the specification of the present invention, the term "step of" or "step of" does not mean "step for".

In the present specification, the term 'unit' includes a unit realized by hardware, a unit realized by software, and a unit realized by both. In addition, one unit may be realized using two or more pieces of hardware, or two or more units may be realized by one piece of hardware.

Some of the operations or functions described as being performed by the terminal, the apparatus, or the device may be performed instead in the server connected to the terminal, the apparatus, or the device. Similarly, some of the operations or functions described as being performed by the server may be performed by the terminal, apparatus or device connected to the server.

In the present specification, some of the operations or functions described as mapping or matching with a terminal mean that a unique number of a terminal or identification information of an individual, which is identification data of the terminal, is mapped or matched. Can be interpreted as

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

1 is a view for explaining a system for providing bond collection service using a blockchain-based token and cryptocurrency according to an embodiment of the present invention. Referring to FIG. 1, a bond collection service providing system 1 using a blockchain-based token and a virtual currency includes at least one creditor terminal 100, a bond collection service providing server 300, and at least one debtor terminal 400. ), And at least one manager terminal 500. However, since the bond recovery service providing system 1 using the blockchain-based token and the virtual currency of FIG. 1 is only one embodiment of the present invention, the present invention is not limitedly interpreted through FIG. 1.

In this case, each component of FIG. 1 is generally connected through a network 200. For example, as shown in FIG. 1, at least one creditor terminal 100 may be connected to the bond collection service providing server 300 through the network 200. In addition, the bond collection service providing server 300 may be connected to at least one creditor terminal 100, at least one debtor terminal 400, and at least one manager terminal 500 through the network 200. In addition, the at least one debtor terminal 400 may be connected to the bond collection service providing server 300 through the network 200. The at least one manager terminal 500 may be connected to the at least one creditor terminal 100, the bond collection service providing server 300, and the at least one debtor terminal 400 through the network 200.

Here, the network refers to a connection structure capable of exchanging information between respective nodes such as a plurality of terminals and servers. Examples of such a network include RF, 3rd Generation Partnership Project (3GPP) network, and long term (LTE). Evolution network, 5th Generation Partnership Project (5GPP) network, World Interoperability for Microwave Access (WIMAX) network, Internet, Local Area Network (LAN), Wireless Local Area Network (WLAN), Wide Area Network (WAN) , PAN (Personal Area Network), Bluetooth (Bluetooth) network, NFC network, satellite broadcasting network, analog broadcasting network, DMB (Digital Multimedia Broadcasting) network and the like, but is not limited thereto.

In the following description, the term “at least one” is defined as a singular and plural term, and each component may exist in the singular or plural, even though the term “at least one” does not exist, and may mean the singular or plural. It will be self explanatory. In addition, the singular or plural elements may be changed according to embodiments.

The at least one creditor terminal 100 may be a terminal of a creditor who has registered or requested to recover a bond using a web page, an app page, a program, or an application related to the debt collection and management service using a bond asset-based cryptocurrency issuance. have. In this case, the at least one creditor terminal 100 may be a terminal that pays a predetermined fee to the bond collection service providing server 300 in proportion to the amount of the bond. The at least one creditor terminal 100 may receive a token corresponding to the amount of the bond from the bond collection service providing server 300, and the token is inversely proportional and virtual as much as the debtor of the debtor terminal 400 repays. The money may be proportional to the terminal of the creditor holding the total amount equal to the bond amount. In addition, the at least one creditor terminal 100 may be a terminal that pays a portion of the virtual money, which is the amount repaid each time, to the bond collection service providing server 300 as a fee each time the debtor terminal 400 is repaid. Subject to repayment agreement and not limited to the method described above.

Here, the at least one creditor terminal 100 may be implemented as a computer that can be connected to a server or terminal in a remote place through a network. Here, the computer may include, for example, a navigation, a laptop equipped with a web browser, a desktop, a laptop, and the like. In this case, the at least one creditor terminal 100 may be implemented as a terminal that can be connected to a remote server or terminal through a network. At least one creditor terminal 100 is, for example, a wireless communication device that ensures portability and mobility, navigation, Personal Communication System (PCS), Global System for Mobile communications (GSM), Personal Digital Cellular (PDC), Personal Handyphone System (PHS), Personal Digital Assistant (PDA), International Mobile Telecommunication (IMT) -2000, Code Division Multiple Access (CDMA) -2000, W-Code Division Multiple Access (W-CDMA), Wireless Broadband Internet A handheld-based wireless communication device such as a terminal, a smartphone, a smart pad, a tablet PC, etc. may be included.

The bond collection service providing server 300 may be a server providing a bond collection and management service web page, an app page, a program, or an application using a bond asset-based cryptocurrency issue. In addition, the bond collection service providing server 300 may be a server that registers a bond when the bond is purchased or registered from the creditor terminal 100, and the registered document is reviewed and approved by the manager terminal 500. In addition, the bond collection service providing server 300 issues a token corresponding to the bond amount to the creditor terminal 100 based on the token issuance index, and when the debtor terminal 400 makes a redemption, the virtual currency corresponding to the redemption amount is redeemed. It may be a server issued and paid to the creditor terminal (100). And, the bond collection service providing server 300 may be a server for removing the risk of forgery by recording the transaction history in the blockchain, forcing the performance of the debtor's contract through the smart contract. In addition, when the debtor terminal 400 repays the debt, the bond collection service providing server 300 may be a server that issues a virtual currency corresponding to a predetermined percentage of the repaid debt and pays it to the debtor terminal 400. .

Here, the bond collection service providing server 300 may be implemented as a computer that can access a server or a terminal in a remote place through a network. Here, the computer may include, for example, a navigation, a laptop equipped with a web browser, a desktop, a laptop, and the like.

The at least one debtor terminal 400 may be a terminal of the debtor using a web page, an app page, a program or an application related to debt collection and management service using bond asset-based cryptocurrency issuance. In this case, the at least one debtor terminal 400 may be repaid to the bond collection service providing server 300 and receives a virtual currency corresponding to a predetermined percentage of the repaid amount from the bond collection service providing server 300. The terminal may be a terminal, and may be a terminal that stores transaction details on the amount repaid as at least one node in the blockchain.

Here, the at least one debtor terminal 400 may be implemented as a computer that can access a server or terminal in a remote place through a network. Here, the computer may include, for example, a navigation, a laptop equipped with a web browser, a desktop, a laptop, and the like. In this case, the at least one debtor terminal 400 may be implemented as a terminal that can access a remote server or terminal through a network. The at least one debtor terminal 400 is, for example, a wireless communication device that ensures portability and mobility, such as navigation, personal communication system (PCS), global system for mobile communications (GSM), personal digital cellular (PDC), Personal Handyphone System (PHS), Personal Digital Assistant (PDA), International Mobile Telecommunication (IMT) -2000, Code Division Multiple Access (CDMA) -2000, W-Code Division Multiple Access (W-CDMA), Wireless Broadband Internet A handheld-based wireless communication device such as a terminal, a smartphone, a smart pad, a tablet PC, etc. may be included.

2 is a block diagram illustrating a bond collection service providing server included in the system of FIG. 1, and FIG. 3 is a bond collection and management service using bond asset-based cryptocurrency issuance according to an embodiment of the present invention. It is a diagram for explaining one embodiment.

Referring to FIG. 2, the bond collection service providing server 300 may include a register 310, a granter 320, an issuer 330, and a transmitter 340.

The bond collection service providing server 300 or another server (not shown) operating in conjunction with the at least one creditor terminal 100, at least one debtor terminal 400, and at least one according to an embodiment of the present invention When transmitting a bond collection service application, program, app page, web page, etc. using a blockchain-based token and virtual currency to the manager terminal 500, at least one creditor terminal 100, at least one debtor terminal 400 , And the at least one manager terminal 500 may install or open a bond collection service application, a program, an app page, a web page, and the like using a blockchain-based token and a virtual currency. In addition, a service program may be driven in at least one creditor terminal 100, at least one debtor terminal 400, and at least one manager terminal 500 using a script executed in a web browser. Here, the web browser is a program that enables the use of the World Wide Web (WWW) service, and refers to a program that receives and displays hypertext described in HTML (hyper text mark-up language), for example, Netscape. , Explorer, chrome and the like. In addition, an application means an application on a terminal, and includes, for example, an app running on a mobile terminal (smartphone).

Referring to FIG. 2, the registration unit 310 may register bond data including a bond amount, a debtor, and a creditor for a bond. When the registration unit 310 receives bond data including a bond amount, a debtor, and a creditor for a bond, the registered bond data and documents from the manager terminal managing the bond may be verified to obtain approval. In other words, the person in charge or manager can review the documents to see if there are any false entries or forgeries, and must obtain approval for them so that tokens can be granted or proceed with the virtual currency issue process.

In this case, a bond is defined as a claim, which is a right for a creditor to request a certain action of the debtor, and a bond is a right for a specific person to perform a specific action. In other words, bonds have the essence that the content of rights can be expected only through the actions of the debtor. At this time, the specific act includes all omissions or acts, and if the objective is achieved by any performance of the ordinary debtor, but if there is no performance, the creditor demands the court to decide the performance of the activity. It can also be enforced based on the final decision. At this time, the specific act is called benefit or salary, and the benefit is the purpose and contents of the bond, and the benefit includes the benefit and the benefit, which are included in the data of the bond.

The granting unit 320 may issue a token to the creditor terminal 100 of the creditor based on a preset token issue index for issuing a number of tokens corresponding to the bond amount and the bond amount of the registered bond data. In this case, the difference between coins and tokens may be defined as a coin acting as a currency as a unit of virtual currency, but a token was developed for the purpose of being used as a currency, but not as a currency. For example, tokens on ICO (Initial Coin Offering), which are currently prohibited in Korea, have equity securities and are available for Token Sale or Coin Sale to raise funds to carry out the project in the early stage of development. Coin Sale is called Initial Coin Release or New Coin Listing (ICO), which was originally used as a means of financing for the development of certain virtual currencies. The current ICO is further developed here and has been confirmed as a token sale for the development of new blockchains and other projects. Coins in token sale or coin sale are different from cryptocurrency or cryptocurrency.

In other words, in the case of selling the developed coin for the first time to the public, the selling coin itself does not yet function as a currency because it was developed for the purpose of being used as a currency in a virtual world. In addition, it is understood that the coin includes the concept of a token. In other words, an investor who invests in money or cryptocurrency is provided with tokens as a means of proof of investment of the investment, so it is also an ICO to raise funds by issuing tokens for the first time. The most widely used field of such token ICO is the type of ICO, and the token ICO can be easily carried out using the Ethereum blockchain platform.

As mentioned above, tokens, unlike general cryptocurrencies or cryptocurrencies, perform functions as proof of investment, such as proof of investment and proof of equity, so there is no real value to invest or buy with the token itself. will be. Accordingly, the granting unit 320 may be used as a means for proving that the holder holds the bond (proof of investment) since it is not yet recovered to the debtor to issue a token corresponding to the bond amount to the creditor. If redemption occurs, it can be converted into a virtual currency corresponding to the repayment. Tokens, however, may be applicable to securities, a kind of financial investment product under the Korean Capital Markets Act, and may have equity securities that can be distributed or transferred, but have no means of payment.

In this case, the token issuance indicator may mean a conversion ratio between the legal currency and the token, but is not limited thereto. Accordingly, the conversion ratio may be set by the issuing business in the case of issuing a new token, or in the case of an existing token, may be set based on the current token price, and may be fixed or flexible. Accordingly, the creditor terminal 100, 100 may be issued a token to prove the equity securities, it can be used as a basis for the debtor to repay later.

When the issuer 330 repays some or all of the bond amount from the debtor, the issuer 330 issues a virtual currency to convert the number of tokens corresponding to the redeemed repayment amount into a virtual currency based on a preset virtual currency indicator. 100). At this time, if some or all of the tokens are repaid, the legal currency with the real value as much as it is redeemed may be converted into virtual currency, and the amount of the repaid bonds will be destroyed due to the performance of the debtor's payment and the purpose of the result. As the equity securities are converted into cryptocurrencies, that is, the amount repaid will be reduced. At this time, the virtual currency index may be fixed or liquid according to the current price, such as token issuance index, and the exchange rate between the legal currency and the virtual currency may be applied. At this time, the creditor terminal 100 may register the wallet address and receive the virtual currency to its electronic wallet.

In addition, the transmitter 340 may transmit, to the debtor terminal 400 of the debtor, a predetermined percentage of the virtual currency of the issued number of virtual currencies. For example, a predetermined percentage of the amount repaid, for example 5%, may be paid in virtual currency. Through this, the debtor terminal 400 may facilitate the debt performance. In this case, the issued number of tokens and cryptocurrency may be set to have the same value as the bond amount when converted into a legal currency by the token issuance index and the virtual currency index, respectively, and the issued token may be transferable. As described above, the virtual currency may be issued in proportion to the amount repaid by the debtor.

Meanwhile, the creditor's creditor terminal 100, the debtor's debtor terminal 400, and the debt collection service providing server 300 are connected to the blockchain network by peer-to-peer (p2p) to include tokens, cryptocurrencies, and bonds. Bond data may be stored to be distributed to at least one node included in the blockchain. As blockchain can defeat the role of a trusted central party, the emergence of a new form of highly efficient database system ultimately replaces the financial services that depended on the central management system. Can change. In other words, the blockchain does not require an authorized third party, which reduces the time and cost (fee) required for the authorized third party to verify the transaction and keep the results, and all transactions at the nodes of all trading participants. Since there is no record of access and no access restrictions, it is possible to block the voice of the transaction, which is essential for financial transactions where securing transparency is important. Blockchain is a continuously accumulating list of data records, which can be a valid means of monitoring transactions because it is not possible for arbitrary manipulation by the operator, and since proven data is permanently stored and has immutable characteristics, This can be useful, if the regulator finds suspicious or illegal transactions, the regulator can look at them and even find illegal traders.

As blockchain participants share their books and disclose all records, the supervisory authority can monitor in real-time statistical analysis, and the parties to a transaction unlock the securities or cash with a private key to enter the transaction. Signing and transferring ownership to the recipient with a public key. The regulator can identify the real trading party through the public key, thus canceling the private key of the party in an illegal transaction in the market. It is easier to get rid of market-order disturbers. In order to distinguish it from the private blockchain to be described later, it is defined as a public blockchain.

In addition, the present invention may further use a private blockchain, which may be defined as a network that shares bond data, repayment data, collection data, and the like with each debtor, a collection company, and a creditor as nodes. It is composed of a network that is not disclosed and held only between the subjects of each company or claim, and its function may include all of the functions of the above-described blockchain. In addition, the private blockchain is an enterprise-type blockchain in which one company controls everything according to an embodiment of the present invention, and may be defined as an existing centralized database in which a function of cryptographic auditability is added, and a central While maintaining the role of management, it can be introduced for the purpose of improving the security of the existing centralized method and solving the limitations of process processing, and because it is a blockchain designed to suit the purpose and characteristics of specific institutions and companies, This branch is not required to implement all of the characteristics such as openness and dispersibility, it is as described above that can implement all the characteristics. At this time, the private blockchain does not need to be issued if the economic basis for issuing coins is not limited, since the operation nodes on the network are limited to each company or subject of claims. In addition, the private blockchain may be a suitable method for distributing and managing data.

On the other hand, smart contracts can be regarded as the implementation of agreements based on consensus. For example, when natural disasters occur, insurers automatically pay insurance premiums. In this case, it is called Decentralized Autonomous Organization (DAO) because it does not need a separate manager, and it is defined as a protocol for digitally executing contract negotiation. Reliable transactions can be made without third party involvement, and these transactions are traceable and unchangeable. In one embodiment of the invention, to create a smart contract, such as multisignature accounts, payment channels, escrow, time locks, etc. as a method for implementing a smart contract For this purpose, a Turing-complete Script language can be used.

To this end, an embodiment of the present invention, the processing order of the smart contract can be set in the order of programming code creation, code signing, blockchain storage, execution (contract conclusion and electronic signature), where the code to be executed and the result It is stored in the form of a database on the chained blocks included in the transaction and shared by all participants, and can be configured to be modified only without adding the contract details. Participants interact with the blockchain for wallet addresses created by public key cryptography to sign contracts and digital signatures. In order to maintain security using blockchain technology, legal principles such as written terms, contract execution, third party's trading relationship and default liability can be reflected, economic mechanisms such as compensation mechanism, fee cost, etc. A secure security protocol can be added. Thus, smart contracts are based on written contracts, formalized forms and controls required by traditional contractual settlements, but using encryption and other security mechanisms, in principle, contract violations, third party eavesdropping or malicious interference, Technical stability, from time to user interface and algorithm specifications, can be considered.

Hereinafter, an operation process according to the configuration of the above-mentioned bond collection service providing server of FIG. 2 will be described in detail with reference to FIG. 3. However, the embodiment is only any one of various embodiments of the present invention, but is not limited thereto.

Referring to FIG. 3, it is assumed that (a) the debtor borrows 4 million won from the creditor, and a bond worth 4 million won is issued to the creditor and there is no interest. Of course, it does not exclude the case in which interest or fee exists and is assumed as described above for convenience of description. At this time, (b) when the bond is registered in the bond collection service providing server 300, the manager of the bond collection service providing server 300 reviews the documents for the bond certificate, creditors and debtors, and issues tokens, which are proof of equity tokens. Based on the indicator, it is issued to prove an investment stake worth 4 million won and transmitted to the creditor terminal 100. And, (c) when the debtor has repaid one million won out of the total debt, the bond collection service providing server 300, by reducing the token by one million won and issuing a virtual currency by one million won or the amount corresponding to the current tax The virtual currency is transmitted to the creditor terminal (100). In this case, the bond collection service providing server 300 may provide a virtual currency corresponding to a preset percentage of the amount repaid to the debtor terminal 100.

And, (d) when the debtor repays all the bond amount, that is, when the debtor repays the remaining 3 million won, the creditor decreases the token by 3 million won to the creditor terminal 100 and the amount of the 3 million won The cryptocurrency is provided according to the cryptocurrency index, and the debtor can be paid a predetermined percentage of 3 million won.

The matters that are not described for the method of providing the bond collection service using the blockchain-based token and the virtual currency of FIG. 2 and FIG. 3 are described above with respect to the method of providing the bond collection service using the blockchain-based token and the virtual currency through FIG. 1. Since it can be easily inferred from the same or as described, it will be omitted.

4 is a diagram illustrating a process in which data is transmitted and received between each component included in the system for providing bond collection service using the blockchain-based token and virtual currency of FIG. 1 according to an embodiment of the present invention. Hereinafter, an example of a process in which data is transmitted and received between each component will be described with reference to FIG. 4, but the present disclosure is not limited to the above-described embodiments, and is illustrated in FIG. 4 according to the various embodiments described above. It is apparent to those skilled in the art that the process of transmitting and receiving data may be changed.

Referring to FIG. 4, when the creditor and the debtor form a bond-debt relationship (S4100), and the debtor or the creditor registers the bond and documents corresponding to the claim of the bond-debt to the manager terminal 500 (S4200), the manager The terminal 500 examines and verifies the documents to confirm the authenticity of the documents or rights relations (S4300), and when the debt collection is approved (S4400), the tokens corresponding to the bonds amount to the creditor terminal 100 in the token issuance index. By switching (S4500), it is issued to the creditor terminal 100 (S4600).

At this time, when the debt collection service repayment server 300 is repaid at the debtor terminal 400 (S4700), the virtual currency corresponding to the repayment amount is converted through the virtual currency index (Index) (S4800), and issued. While providing the currency to the creditor terminal 100, the token is reduced by the amount converted into virtual currency (S4820). Then, the bond collection service providing server 300 grants the debtor terminal 400 a virtual currency corresponding to the predetermined percentage of the repaid amount of money, and records the transaction record in the blockchain (S4830 and S4900). This process is repeated until the debtor fulfills his obligation to pay all bonds, including interest and fees (S4910), and if the repayment is completed, the fees can be settled (S4920). It may be clear that payment may be made or settled at once after repayment is completed and may vary depending on the contractual relationship or the embodiment.

The order between the above-described steps S4100 to S4920 is merely an example, and the present invention is not limited thereto. That is, the order between the above-described steps S4100 to S4920 may be mutually changed, and some of the steps may be executed or deleted at the same time.

Such matters that are not described for the method of providing a bond collection service using the blockchain-based token and the virtual currency of FIG. 4 are described above with respect to the method for providing the bond collection service using the blockchain-based token and the virtual currency through FIGS. 1 to 3. Since it can be easily inferred from the same or as described, it will be omitted.

5 is a flowchart illustrating a method of providing a bond collection service using a blockchain-based token and a virtual currency according to an embodiment of the present invention. Referring to FIG. 5, the bond collection service providing server receives bond data including a bond amount, a debtor, and a creditor for a bond (S5100).

Then, the bond collection service providing server issues a token based on a predetermined token issuance index for issuing tokens corresponding to the bond amount and the bond amount of the registered bond data and gives it to the creditor terminal of the creditor (S5200). In the case of repaying part or all of the bond amount from the debtor, a virtual currency is issued and transmitted to the creditor terminal so that the number of tokens corresponding to the redeemed repayment amount is converted into virtual currency based on the preset virtual currency index (S5300).

Finally, the bond collection service providing server transmits the virtual currency by the predetermined percentage of the issued number of virtual currency to the debtor terminal of the debtor (S5400).

Such matters that are not described in the method of providing a bond collection service using the blockchain-based token and the virtual currency of FIG. 5 are described above with respect to the method of providing the bond collection service using the blockchain-based token and the virtual currency through FIGS. 1 to 4. Since it can be easily inferred from the same or as described, it will be omitted.

A method for providing a bond collection service using a blockchain-based token and a virtual currency according to an embodiment described with reference to FIG. 5 includes a method of providing a recording medium including instructions executable by a computer, such as an application or a program module executed by a computer. It may also be implemented in the form. 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, computer readable media may include all computer storage media. Computer storage media includes both volatile and nonvolatile, removable and non-removable media implemented in any method or technology for storage of information such as computer readable instructions, data structures, program modules or other data.

The above-described method for providing a bond collection service using a blockchain-based token and a virtual currency according to an embodiment of the present invention may include an application basically installed in a terminal (which may include a program included in a platform or an operating system basically mounted in the terminal). May be executed by an application (ie, a program) installed by the user directly on the master terminal through an application providing server such as an application store server, an application, or a web server associated with the corresponding service. In this sense, the above-described method for providing a bond collection service using a blockchain-based token and a virtual currency according to an embodiment of the present invention is implemented as an application (ie, a program) that is basically installed in a terminal or directly installed by a user. It can be recorded on a computer readable recording medium such as e.

The foregoing description of the present invention is intended for illustration, and it will be understood by those skilled in the art that the present invention may be easily modified in other specific forms without changing the technical spirit or essential features of the present invention. will be. Therefore, it should be understood that the embodiments described above are exemplary in all respects and not restrictive. For example, each component described as a single type may be implemented in a distributed manner, and similarly, components described as distributed may be implemented in a combined form.

The scope of the present invention is shown by the following claims rather than the above description, and all changes or modifications derived from the meaning and scope of the claims and their equivalents should be construed as being included in the scope of the present invention. do.

Claims (7)

In the bond collection service providing server executed in the bond collection service providing server,
Registering bond data including bond amount, debtor and creditor for the bond;
Issuing a token based on a predetermined token issuance index for issuing a number of tokens corresponding to the bond amount and the bond amount of the registered bond data and granting it to the creditor terminal of the creditor;
When repaying a part or all of the bond amount from the debtor, issuing a virtual currency to convert the number of tokens corresponding to the redeemed redemption amount into a virtual currency based on a preset virtual currency index and transmitting it to the creditor terminal; And
Transmitting a predetermined percentage of the virtual currency of the issued number of virtual currency to the debtor terminal of the debtor;
The creditor terminal of the creditor, the debtor terminal of the debtor, and the debt recovery service providing server is connected to the blockchain network peer-to-peer (p2p) to include the bond data including the token, virtual currency and bonds in the blockchain Distributed to at least one node,
The creditor terminal of the creditor, the debtor terminal of the debtor, and the bond collection service providing server is connected to the blockchain, and forced to fulfill the contents of the bond by a smart contract,
The smart contract includes any one of multisignature accounts, payment channels, escrow and time locks, and by a Turing-complete Script language Generated,
The wallet address created by public key encryption method interacts with the blockchain.
Method of providing bond collection and management service using bond asset based cryptocurrency issuance.
The method of claim 1,
The issued number of tokens and cryptocurrencies are set to have the same value as the bond amount when converted into a legal currency by the token issuance index and the virtual currency index, respectively. How to Provide Managed Services.
The method of claim 1,
The issued token is transferable, bond collection and management service providing method using bond asset-based cryptocurrency issuance.
The method of claim 1,
The virtual currency is to be issued in proportion to the amount repaid by the debtor, bond collection and management service providing method using bond asset-based cryptocurrency issuance.
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