KR102022462B1 - Method for providing blockchain based contract manaement for p2p claim-oblligation relationship using token and virtual currency - Google Patents

Abstract

Provided is a method for providing a contract management service of P2P claim and obligation using a virtual currency based on a block chain which comprises the steps of: receiving money transaction data including money transaction in which a claim and an obligation between individuals occur from a creditor terminal; issuing a token to the creditor terminal on the basis of the claim amount included in the received money transaction data and a preset token issuing index for issuing the number of tokens corresponding to the claim amount; performing contract management including fulfillment of an obligation of a debtor in accordance with an agreement included in the money transaction data; receiving funds corresponding to the claim amount to a preset account from the creditor terminal when the claim amount is redeemed by the debtor to a creditor; and issuing a virtual currency to be transmitted to the creditor terminal to allow the number of tokens corresponding to the redeemed amount to be converted into the virtual currency on the basis of a virtual currency index.

Description

METHODO FOR PROVIDING BLOCKCHAIN BASED CONTRACT MANAEMENT FOR P2P CLAIM-OBLLIGATION RELATIONSHIP USING TOKEN AND VIRTUAL CURRENCY}

The present invention relates to a method for providing a contract management service for P2P bond debt using blockchain-based virtual currency, and provides a method for managing bonds generated by personal loans.

Currently, the financial industry is evolving into a fin-tech industry that combines finance and cutting-edge information technology. Among them, peer-to-peer financing and peer-to-peer lending are the fastest growing fintechs. Field. P2P lending refers to a loan brokerage service where lenders (borrowers) apply for loans through the Internet and mobile P2P platforms, and are reviewed by the P2P platform companies and disclosed and loaned by the unspecified majority. Through the online marketplace, all loan processes are automated, minimizing unnecessary expenses such as branch operation costs, labor costs, and loan operation costs, providing lower interest rates to lenders and higher profits to investors. In addition, P2P lending history is independent of credit rating and can raise credit rating if successful repayment of loan.

At this time, a method for managing P2P loans is being steadily developed. In this regard, Korean Patent Publication No. 2018-0098105 (published on September 03, 2018), which is related to the prior art, is provided from a P2P platform where a money management contract with a financial institution has been executed. When an investor ledger is created from a list of investors of investors and receives loan ledger information of the borrower generated by the lender in accordance with the loan agreement between the borrower and the lender by the brokerage of the P2P platform, the borrower borrows the loan based on the ledger. To the bank account, the lender concludes the loan agreement with the borrower by the P2P platform, creates a loan ledger, registers the sale of principal receivables on the P2P platform, and the P2P platform responds to investors' investment applications. The principle is to sell the receivables to investors.

However, if a real P2P, that is, a bond debt relationship has already occurred between the members, and requires repayment management, the individual who is the creditor should request the intervention of the public power to order the performance of the bonds generated in the bond debt relationship. In most cases, bonds cannot be recovered, since individuals are wasting more money and time than bonds, and even if enforcement judgments are finalized, they must go through the process of enforcing enforcement and disposition. to be. In addition, if the debtor fails to set the security or is unable to repay the bond, even if he or she is trying to sell the bond between individuals, it is currently sold or sold at a low price and eventually returns to the burden of the creditor.

One embodiment of the present invention, by providing a service for a new credit society and providing additional revenue generation by commercializing the bond debt relationship generated in P2P money transactions into virtual currency to manage the contract, the debtor in agreement The contractor manages to fulfill the contract, the creditor converts the bond into tokens, issues it to the creditor to retain the characteristics of the investment equity certificate, converts the amount that the debtor repays into cryptocurrency, and pays it to the creditor. It is possible to provide a method of providing contract management service for P2P bond debt using blockchain-based virtual currency, which allows the bond to penetrate the real economy using virtual currency and tokens by reducing the amount of tokens by the amount repaid. 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 receiving money transaction data including money transactions in which bond debts between individuals from the creditor terminal, included in the received money transaction data Issuing a token to the creditor terminal based on the bond amount, a preset token issuance indicator for issuing a number of tokens corresponding to the bond amount, and contract management including the debtor's debt execution according to the agreement contained in the financial transaction data. Performing a step of, when the creditor receives repayment of the bond amount from the debtor, receiving the funds corresponding to the bond amount from the creditor terminal to the preset account, and the number of tokens corresponding to the redeemed repayment amount based on the preset virtual currency index. Issuing a virtual currency to be converted into a virtual currency to the creditor terminal It includes.

According to any one of the problem solving means of the present invention described above, it is possible to provide services for a new credit society and provide additional revenue generation by performing contract management by commodifying the bond debt relationship generated in P2P money transactions into virtual currency. The debtor manages to execute the contract according to the agreement, the creditor converts the bond into a token, issues it to the creditor to retain the characteristics of the investment equity certificate, and converts the amount that the debtor repays into cryptocurrency. At the same time, the amount of tokens is paid to the creditor and the amount of the tokens is repaid so that the bonds can be penetrated into the real economy using virtual currency and tokens.

1 is a view for explaining a system for providing a contract management service of P2P bond debt using blockchain-based virtual currency according to an embodiment of the present invention.
FIG. 2 is a block diagram illustrating a contract management service providing server included in the system of FIG. 1.
3 is a diagram illustrating an embodiment in which a contract management service using a blockchain-based token and a virtual currency 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 contract management service providing system for P2P bond debt using the blockchain-based virtual currency of FIG. 1 according to an embodiment of the present invention.
5 is a flowchart illustrating a method of providing a contract management service for P2P bond debt using blockchain based virtual currency 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 a contract management service of P2P bond debt using blockchain-based virtual currency according to an embodiment of the present invention. Referring to FIG. 1, the contract management service providing system 1 for P2P bond debt using blockchain-based virtual currency includes at least one creditor terminal 100, a contract management service providing server 300, and at least one debtor terminal. 400, and at least one affiliate bank server 500. However, since the contract management service providing system 1 for P2P bond debt using the blockchain-based virtual currency of FIG. 1 is only an 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 contract management service providing server 300 through the network 200. In addition, the contract management service providing server 300 may be connected to at least one creditor terminal 100, at least one debtor terminal 400, and at least one affiliated bank server 500 through the network 200. In addition, the at least one debtor terminal 400 may be connected to the contract management service providing server 300 through the network 200. The at least one affiliated bank server 500 may be connected to the at least one creditor terminal 100, the contract management 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.

At least one creditor terminal 100, the terminal of the creditor who requested to register or collect the bond using a web page, an application page, a program or an application related to the contract management service of P2P bond debt using blockchain-based virtual currency Can be. In this case, the at least one creditor terminal 100 may be a terminal that pays a predetermined fee to the contract management 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 contract management 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 part of the virtual currency, which is the amount repaid each time, to the contract management 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 contract management service providing server 300 may be a server providing a contract management service web page, an app page, a program, or an application of P2P bond debt using blockchain-based virtual currency. The contract management 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 affiliate bank server 500. . In addition, the contract management 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 repays the virtual currency corresponding to the redemption amount, It may be a server issued and paid to the creditor terminal (100). In addition, the contract management service providing server 300 may be a server for removing the risk of forgery by recording the transaction history in the blockchain and forcing the performance of the debtor's contract through the smart contract. In addition, the contract management service providing server 300 may be a server that issues a virtual currency corresponding to a predetermined percentage of the repaid debt amount and pays the debtor terminal 400 when the debtor terminal 400 repays the debt. .

Here, the contract management 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 contract management service of P2P bond debt using blockchain-based virtual currency. In this case, the at least one debtor terminal 400 may be repaid to the contract management service providing server 300 and receives a virtual currency corresponding to a predetermined percentage of the repaid amount from the contract management 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.

The affiliated bank server 500 provides an account necessary for clearing the bond debt relationship between the creditor and the debtor, and informs the contract management service providing server 300 when a deposit or remittance is made, and the contract management service providing server 300. In the case of requesting a virtual account in, it may be a server for generating a virtual account for each individual according to the deposit or remittance purposes to transmit to the contract management service providing server 300. Here, the affiliated bank server 500 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.

2 is a block diagram illustrating a contract management service providing server included in the system of FIG. 1, and FIG. 3 illustrates a contract management service using a blockchain-based token and a virtual currency according to an embodiment of the present invention. A diagram for describing one embodiment.

Referring to FIG. 2, the contract management service providing server 300 may include a receiver 310, an issuer 320, an execution unit 330, a depositor 340, a transmitter 350, and a compensation unit 360. It may include.

Contract management service providing server 300 according to an embodiment of the present invention or another server (not shown) operating in conjunction with at least one creditor terminal 100, at least one debtor terminal 400, and at least one At least one creditor terminal 100 and at least one debtor terminal when transmitting a contract management service application, program, app page, web page, etc. of P2P bond debt using the blockchain-based virtual currency to the partner bank server 500 400, and at least one affiliate bank server 500 may install or open a contract management service application, program, app page, web page, etc. of P2P bond debt using blockchain-based virtual currency. In addition, the service program may be run on at least one creditor terminal 100, at least one debtor terminal 400, and at least one affiliate bank server 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).

Hereinafter, after first explaining a common concept of recovering a bond according to an embodiment of the present invention through FIG. 2, the configuration of FIG. We will explain how to manage relationships. That is, since the process of FIG. 2 is commonly performed in FIG. 3, the method of FIG. 2 will be described first, and then an embodiment according to the configuration of FIG. 2 will be described with reference to FIG. 3.

Referring to FIG. 2, the contract management service providing server 300 may register bond data including a bond amount, a debtor, and a creditor for a bond. When the contract management service providing server 300 receives bond data including a bond amount, a debtor, and a creditor for the bond, the bond data and documents registered from the manager terminal managing the bond may be verified and may 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 contract management service providing server 300 may issue a token based on a predetermined token issuance index for issuing tokens corresponding to the bond amount of the registered bond data and the bond amount, and grant the token to the creditor terminal 100 of the creditor. Can be. 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 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 contract management service providing server 300 repays some or all of the bond amount from the debtor, the contract management service providing server 300 issues a virtual currency to convert the number of tokens corresponding to the redeemed redemption amount into a virtual currency based on a predetermined cryptocurrency index. The creditor terminal 100 may transmit. 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 contract management service providing server 300 may transmit the virtual currency by the preset percentage of the issued number of virtual currency to the debtor terminal 400 of the debtor. For example, a predetermined percentage of the amount repaid, for example 1%, 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 contract management 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 Tuning-incomplete Script language is available for this purpose.

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 contract management service providing server of FIG. 2 described above 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 Table 1, the subject for each procedure according to each embodiment to be described below is shown. Each step subject to be described below will be summarized with reference to Table 1.

Money balance Contract Management Repayment First embodiment individual server individual Second embodiment individual server server Third embodiment server server server

<First Embodiment>

The first embodiment of the method according to an embodiment of the present invention, the contract or agreement between the parties to the monetary transaction, so that the repayment is also made between the individual, the debtor until the repayment until the repayment agreement The type of matters to be performed are managed by the contract management service providing server 300. In other words, direct transactions between individuals and repayment proceeds between individuals, but only the performance management according to the contract is performed by the contract management service providing server 300 (money loan (personal)-repayment management (server)-repayment. (individual)).

Referring to FIGS. 2 and 3A, the receiver 310 may receive, from the creditor terminal 100, money transaction data including money transactions in which bond debts occur between individuals. That is, the step of proceeding with an embodiment of the present invention, may proceed after the occurrence of the balance of payment between the parties already. Depending on the agreement, a contract may be drawn up to implement monetary loans, including but not limited to borrowing, foreign trade, etc. In addition, the debtor or creditor (most creditors) register the contents of the money transaction in the contract management service providing server 300, and at least one evidence material that can prove the money loan transaction, such as agreement details, transaction evidence, party information, etc. If registered, a process of receiving evidence from an administrator may be performed as described above with reference to FIG. 2. In addition, the receiving unit 310 may guide the debtor to the contents requested by the creditor to manage the money lending and obtain a consent for the bond management. At this time, the receiver 310 may inform the account number (including the virtual account) to be repaid to the debtor terminal 400, the corresponding account number may be issued from the affiliated bank server 500, but is not limited thereto.

The issuing unit 320 may issue a token to the creditor terminal 100 based on a bond amount included in the received money transaction data and a preset token issue index for issuing a number of tokens corresponding to the bond amount. Through this process, tokens will be issued as the value of the bonds held by the creditor's debtor. At this time, the token issuance index, the meaning of the number of tokens issued and the definition of the token is the same as described in common in Figure 2, detailed description thereof will be omitted.

The execution unit 330 may perform contract management including the debtor's performance in accordance with the agreement contained in the financial transaction data. In this case, the contract management refers to the contract management according to the agreement, for example, may be due date check, repayment management, delinquency management and collection management, but is not limited to those listed.

When the creditor receives repayment of the bond amount from the debtor, the depositing unit 340 may receive funds corresponding to the bond amount from the creditor terminal 100 to a predetermined account. That is, since the first embodiment is a type in which a loan agreement and repayment are directly between individuals, the creditor is directly repaid by the debtor. Accordingly, the creditor deposits the bond amount (repayment amount) repaid from the debtor to the account designated by the depositing unit 340, and the deposited amount converts the token into a coin.

The transmitter 350 may issue a virtual currency to convert the number of tokens corresponding to the redeemed repayment amount into a virtual currency based on a predetermined virtual currency index, and transmit the virtual currency to the creditor terminal 100. In this case, the token and the coin can be transferred and traded as described above, and the creditor can exchange or trade in the nominal currency using the virtual currency. In other words, the amount of the bond has been recovered in cryptocurrency, and it is up to the creditor to convert the cryptocurrency into cash again.

Compensation unit 360, after the virtual currency is issued to convert the number of tokens corresponding to the repayment amount redeemed by the transmission unit 350 to the virtual currency based on the predetermined cryptocurrency index and transmits to the creditor terminal 100 In addition, the predetermined number of cryptocurrencies of the issued number of virtual currency may be transmitted to the debtor terminal 400 of the debtor.

Second Embodiment

In the second embodiment of the method according to an embodiment of the present invention, only a process of contracting or agreeing a money transaction between the parties is performed between individuals, and afterwards, the debtor is required to execute the agreement according to the repayment and until repayment. The matters to be performed and the money repayment are managed by the contract management service providing server 300. That is, only direct transactions between individuals, the subsequent process is a case in which the contract management service providing server 300 proceeds, and the difference from the first embodiment is that the server manages money repayment (money loan). (Personal) -payment management (server) -payment (server)).

Referring to FIGS. 2 and 3B, the receiver 310 may receive, from the creditor terminal 100, money transaction data including money transactions in which bond debts occur between individuals. That is, the step of proceeding with an embodiment of the present invention, may proceed after the occurrence of the balance of payment between the parties already. Depending on the agreement, a contract may be drawn up to implement monetary loans, including but not limited to borrowing, foreign trade, etc. In addition, the debtor or creditor (most creditors) register the contents of the money transaction in the contract management service providing server 300, and at least one evidence material that can prove the money loan transaction, such as agreement details, transaction evidence, party information, etc. If registered, a process of receiving evidence from an administrator may be performed as described above with reference to FIG. 2. In addition, the receiving unit 310 may guide the debtor to the contents requested by the creditor to manage the money lending and obtain a consent for the bond management. At this time, the receiver 310 may inform the account number (including the virtual account) to be repaid to the debtor terminal 400, the corresponding account number may be issued from the affiliated bank server 500, but is not limited thereto.

The issuing unit 320 may issue a token to the creditor terminal 100 based on a bond amount included in the received money transaction data and a preset token issue index for issuing a number of tokens corresponding to the bond amount. Through this process, tokens will be issued as the value of the bonds held by the creditor's debtor. At this time, the token issuance index, the meaning of the number of tokens issued and the definition of the token is the same as described in common in Figure 2, detailed description thereof will be omitted.

The execution unit 330 may perform contract management including the debtor's performance in accordance with the agreement contained in the financial transaction data. In this case, the contract management refers to the contract management according to the agreement, for example, may be due date check, repayment management, delinquency management and collection management, but is not limited to those listed.

The depositor 340 may receive a deposit corresponding to the amount of the bond from the debtor's debtor terminal 400 to a predetermined account. The contract management service providing server 300 may transmit a predetermined account for the debtor to repay after receiving the agreement for contract management to the debtor terminal 400. That is, since the second embodiment is a type in which only the money loan agreement is directly between individuals, the creditor is provided through the contract management service providing server 300 without being directly repaid by the debtor, and the debtor does not repay the creditor. The contract management service providing server 300 will be repaid. Accordingly, the depositing unit 340 may receive a deposit amount (payment amount) from the debtor to a predetermined account, and the token issued to the creditor may be converted into a coin upon repayment.

The transmitter 350 may issue a virtual currency to convert the number of tokens corresponding to the redeemed repayment amount into a virtual currency based on a predetermined virtual currency index, and transmit the virtual currency to the creditor terminal 100. In this case, the token and the coin can be transferred and traded as described above, and the creditor can exchange or trade in the nominal currency using the virtual currency. In other words, the amount of the bond has been recovered in cryptocurrency, and it is up to the creditor to convert the cryptocurrency into cash again.

Compensation unit 360, after the virtual currency is issued to convert the number of tokens corresponding to the repayment amount redeemed by the transmission unit 350 to the virtual currency based on the predetermined cryptocurrency index and transmits to the creditor terminal 100 In addition, the predetermined number of cryptocurrencies of the issued number of virtual currency may be transmitted to the debtor terminal 400 of the debtor.

Third Embodiment

According to a third embodiment of the method according to an embodiment of the present invention, the contractor or agreement between the parties, the settlement of the agreement according to the repayment, the matters that the debtor must perform until the repayment, and the repayment of the money The entire process is a type managed by the contract management service providing server (300). That is, the creditor and the debtor from the process of inter-personal transaction is the case in which the contract management service providing server 300 according to an embodiment of the present invention, which is an intermediary, the difference between the first embodiment and the money loan agreement and money repayment Is managed by the server, and the difference from the second embodiment is that the server manages up to the money loan agreement (money loan (server)-repayment management (server)-repayment (server)).

2 and 3 (c), when receiving unit 310 from the creditor terminal 100 receives money transaction data including money transactions in which bond debts occur between individuals, it is included in the money transaction data. Collect the agreement for the consignment of money transactions to the debtor terminal 400, if the consent is collected from the debtor terminal 400, transfers a predetermined account to deposit the repayment amount to the debtor terminal 400, the person of the debtor Name account data can be input. In other words, since the receiving unit 310 is brokered from the money transaction, the account to be repaid or the account to be remitted or remitted after receiving the consent of each party can be put in the contract.

The issuing unit 320 may issue a token to the creditor terminal 100 based on a bond amount included in the received money transaction data and a preset token issue index for issuing a number of tokens corresponding to the bond amount. Through this process, tokens will be issued as the value of the bonds held by the creditor's debtor. At this time, the issuing unit 320 may issue a token when receiving a deposit from the creditor terminal 100 to the account number specified in the affiliated bank before issuing the token. In addition, the issuing unit 320 may allow the affiliated bank to transfer the amount of money deposited to the account number designated by the affiliated bank after the token is issued to the account of the debtor terminal 400 in his / her name.

The execution unit 330 may perform contract management including the debtor's performance in accordance with the agreement contained in the financial transaction data. In this case, the contract management refers to the contract management according to the agreement, for example, may be due date check, repayment management, delinquency management and collection management, but is not limited to those listed.

When the creditor receives repayment of the bond amount from the debtor, the depositing unit 340 may receive funds corresponding to the bond amount from the creditor terminal 100 to a predetermined account. That is, since the first embodiment is a type in which a loan agreement and repayment are directly between individuals, the creditor is directly repaid by the debtor. Accordingly, the creditor deposits the bond amount (repayment amount) repaid from the debtor to the account designated by the depositing unit 340, and the deposited amount converts the token into a coin.

The transmitter 350 may issue a virtual currency to convert the number of tokens corresponding to the redeemed repayment amount into a virtual currency based on a predetermined virtual currency index, and transmit the virtual currency to the creditor terminal 100. In this case, the token and the coin can be transferred and traded as described above, and the creditor can exchange or trade in the nominal currency using the virtual currency. In other words, the amount of the bond has been recovered in cryptocurrency, and it is up to the creditor to convert the cryptocurrency into cash again.

Compensation unit 360, after the virtual currency is issued to convert the number of tokens corresponding to the repayment amount redeemed by the transmission unit 350 to the virtual currency based on the predetermined cryptocurrency index and transmits to the creditor terminal 100 In addition, the predetermined number of cryptocurrencies of the issued number of virtual currency may be transmitted to the debtor terminal 400 of the debtor.

As for the matters that are not described in the method of providing a contract management service of P2P bond debt using the blockchain-based virtual currency of FIG. 2 and FIG. 3, the contract management service of the P2P bond debt using the blockchain-based virtual currency will be described with reference to FIG. 1. The description of the providing method may be easily inferred from the same or described contents, and thus descriptions thereof will be omitted.

FIG. 4 is a diagram illustrating a process in which data is transmitted and received between components included in a contract management service providing system for P2P bond debt using the blockchain-based 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 the document corresponding to the claim of the bond-debt to the contract management service providing server 300 (S4200). The contract management service providing server 300 checks and verifies the documents, verifies the authenticity of the documents or the right relationship (S4300), and transmits a guide to proceed with the bond management to the debtor terminal 400.

At this time, the contract management service providing server 300, if the agreement is received from the debtor terminal 400 (S4300), the creditor from the debtor can transmit the account number to be repaid (S4400), if the credit collection is approved creditor terminal At 100, the token corresponding to the amount of the bond is converted into token issuance indicators (S4500) and issued to the creditor terminal 100 (S4600).

At this time, the contract management service providing server 300 proceeds with the management to transfer the contents of the contract to the debtor (S4700), and if the debtor terminal 400 is repaid (S4800), the virtual currency corresponding to the repayment amount By converting through the virtual currency index (Index) (S4800), the issued currency is provided to the creditor terminal 100, but the token is reduced by the amount converted into virtual currency (S4810 ~ S4840). In addition, the contract management service providing server 300 may provide the debtor terminal 400 with a virtual currency corresponding to a preset percentage of the repaid amount of money, and record the corresponding transaction record in the blockchain (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 in the method of providing a contract management service of P2P bond debt using the blockchain-based virtual currency of FIG. 4 are described above in the contract management service of the P2P bond debt using the blockchain-based virtual currency through FIGS. 1 to 3. The description of the providing method may be easily inferred from the same or described contents, and thus descriptions thereof will be omitted.

5 is a flowchart illustrating a method of providing a contract management service for P2P bond debt using blockchain based virtual currency according to an embodiment of the present invention. Referring to FIG. 5, the contract management service providing server receives money transaction data including a money transaction in which bond debt is generated between individuals (S5100).

The contract management service providing server issues a token to the creditor terminal based on the bond amount included in the received money transaction data and a preset token issue index for issuing a number of tokens corresponding to the bond amount (S5200). The contract management including the debtor's performance in accordance with the agreement contained in the transaction data is performed (S5300).

In addition, when the creditor receives repayment of the bond amount from the debtor, the contract management service providing server receives funds corresponding to the bond amount from the creditor terminal to a predetermined account (S5400) and sets a predetermined number of tokens corresponding to the repaid repayment amount. Issuing a virtual currency to be converted into a virtual currency based on the indicator and transmits it to the creditor terminal (S5500).

The meaning of P2P bond debt according to an embodiment of the present invention means a bond debt relationship between an online P2P loan and another individual, but does not exclude the inclusion of an online P2P loan.

The matters that are not described in the method of providing a contract management service of P2P bond debt using the blockchain-based virtual currency of FIG. 5 are as described above. The description of the providing method may be easily inferred from the same or described contents, and thus descriptions thereof will be omitted.

A contract management service providing method of P2P bond debt using blockchain based virtual currency according to an embodiment described with reference to FIG. 5 includes a record 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 of a medium. 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.

According to an embodiment of the present invention, a method of providing a contract management service for P2P bond debt using a blockchain-based virtual currency includes an application basically installed in a terminal (that is, a program included in a platform or an operating system basically loaded in the terminal). It may also be executed by the application (ie, a program) installed 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 service. In this sense, the contract management service providing method of P2P bond debt using the blockchain-based virtual currency according to an embodiment of the present invention described above is implemented as an application (ie, a program) that is basically installed in a terminal or directly installed by a user. And a computer readable recording medium such as a terminal.

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 contract management service providing server running contract management service providing method,
Receiving money transaction data including money transactions in which bond debts between individuals are generated from a creditor terminal;
Issuing a token to the creditor terminal based on the bond amount included in the received money transaction data and a preset token issue index for issuing a number of tokens corresponding to the bond amount;
Performing a contract management including a debtor's performance in accordance with an agreement included in the money transaction data;
When the creditor receives repayment of the bond amount from the debtor, the contract management is carried out for the repayment of money except for a financial transaction contract or agreement between the debtor and the creditor by receiving funds corresponding to the bond amount from a debtor terminal of the debtor to a predetermined account. Managing by the service providing server;
Converting the number of tokens corresponding to the redeemed repayment amount into virtual currency based on a preset virtual currency index;
Issuing the converted virtual currency and transmitting it to the electronic wallet address of 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;
Method of providing contract management service of P2P bond debt using blockchain based on virtual currency.
delete The method of claim 1,
The contract management service providing server, after receiving the agreement for the contract management to the debtor terminal, and transmits a predetermined account for the debtor to repay
Method of providing contract management service of P2P bond debt using blockchain based on virtual currency.
The method of claim 1,
Receiving money transaction data including a money transaction in which bond debts between the individuals are generated from a creditor terminal,
Collecting consent for entrusting a financial transaction to a debtor terminal of the debtor included in the financial transaction data; And
If consent is collected from the debtor terminal, transmitting a predetermined account for depositing a repayment amount to the debtor terminal, and receiving account data of the debtor's own name;
Method of providing contract management service of P2P bond debt using blockchain based on virtual currency.
The method of claim 4, wherein
Issuing a token to the creditor terminal based on the bond amount included in the received money transaction data and a preset token issuance index for issuing a number of tokens corresponding to the bond amount,
Issuing the token when receiving a deposit from the creditor terminal to an account number assigned to an affiliated bank; And
Remitting the amount deposited to the account number assigned to the affiliated bank from the affiliated bank to the account of the debtor terminal's own name;
Method of providing contract management service of P2P bond debt using blockchain based on virtual currency.
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 legal currency by the token issuance index and the virtual currency index, respectively.
Method of providing contract management service of P2P bond debt using blockchain based on virtual currency.
The method of claim 1,
The creditor terminal of the creditor, the debtor terminal of the debtor, and the contract management service providing server is connected to the blockchain network peer-to-peer (p2p) to include bond data including the token, cryptocurrency and bond amount in the blockchain Characterized in that the stored to be distributed to at least one node
Method of providing contract management service of P2P bond debt using blockchain based on virtual currency.

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