KR102024377B1 - Method for providing blockchian based loan service using credit scoring to group inclduing individual - Google Patents

Abstract

Provided is a method for providing a loan service using credit evaluation assigned to a group based on a block chain, which comprises the following steps of: forming at least one node of a block chain and grouping terminals to be evaluated corresponding to the at least one node; mapping an identification code of at least one terminal to be evaluated in the grouped groups and an identification code of a group to which the at least one terminal to be evaluated belongs, and storing the mapped identification codes; calculating a financial activity value of the group by combining at least one or at least one data among the type and number of virtual money possessed by at least one terminal to be evaluated in the group, a transaction status of the virtual currency, a holding period of the virtual money, whether loan is provided, the type and amount of provided loan, and data on whether the provided loan is repaid; and assigning a credit evaluation score to the group based on the calculated financial activity value, and providing loan.

Description

How to provide credit service using credit rating granted to blockchain based group {METHOD FOR PROVIDING BLOCKCHIAN BASED LOAN SERVICE USING CREDIT SCORING TO GROUP INCLDUING INDIVIDUAL}

The present invention relates to a credit service providing method using credit rating given to a blockchain-based group, and provides a method of providing a credit service for each group by clustering at least one node included in the blockchain into a group.

Recently, there is Bitcoin of virtual currency at the center of the global craze. With the evolution of management model and the universal distribution of IT technology and smart payment, cryptocurrency has emerged. Especially, cryptocurrency is the latest digital cryptocurrency that combines the technology of FinTech and block-chain. This is an inevitable phenomenon of the 4th Industrial Revolution, due to the inconvenience of additional authentication methods such as Active-X and accredited certificates and excessive spending of remittance fees of financial institutions.

At this time, a method of performing payment using a cryptocurrency transaction has been researched and developed. In the related art, Korean Patent No. 10-1813256 (December 29, 2017), which is a prior art, has been unable to use virtual currency. In order to enable payment through virtual currency transactions linked to various payment methods such as debit card, credit card, mobile, etc. in the store, it is linked with the payment method of the user with virtual currency and the payment server, and when a payment request is generated by the payment method. After confirming the payment request amount from the payment server, the payment request amount is paid to the payment account of the payment method, and the virtual currency corresponding to the payment request amount is deducted from the user's own virtual currency, but before the sale of the deducted virtual currency. Prepay as a deposit of $ 2, pay the amount of cryptocurrency deducted when you make a payment, or make a payment on a preset date To settle the full amount for the amount discloses a configuration that bulk payments.

However, the above-described method is based on the premise of having a virtual currency, and only discloses a method of simply exchanging money instead of providing a service such as a credit card by imposing a transaction score of the virtual currency as a credit score. In addition, people who are receiving similar acts based on cryptocurrency investments have begun to emerge, and in the context of cryptocurrency abuse cases, these similar acts are the most common crimes, and cryptocurrencies are anonymously traded on the Internet. By nature, ransomware, fraud, drug trafficking, tax evasion, money laundering and other crimes are greatly exposed. Criminals are using anonymous cryptocurrencies to easily track the investigation. The government's regulatory proposals continue to be announced, and self-regulatory proposals have been announced on cryptocurrency exchanges, but fundamental solutions are needed.

According to an embodiment of the present invention, a credit score is imposed by a group including a plurality of individual nodes, through a transaction activity of a virtual currency, so that a credit service amount or a limit or a use place of a plurality of individuals included in the group can be used. By designating by group, it is possible to provide a method of providing a credit service using a credit rating given to a blockchain-based group, which prevents problems such as personal information leakage or personal information infringement in providing a credit service to an individual. 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 comprises the steps of: configuring at least one node of the blockchain and grouping the evaluated terminal corresponding to the at least one node, the grouped Mapping and storing an identification code of at least one evaluated terminal in a group and an identification code of a group to which the at least one evaluated terminal belongs, a type and quantity of virtual currency held by at least one evaluated terminal in the group, At least one or at least one data of the transaction status of the cryptocurrency, the holding period of the cryptocurrency, whether or not the credit was provided, the type and amount of the credit provided, and whether the repayment of the credit has been made And calculating the Group's Financial Activity value, and calculating the credit score based on the calculated Economic Activity value. Granting to the group and providing the goddess.

According to any one of the above problem solving means of the present invention, through the transaction activity of the virtual currency, credit scores are imposed for each group containing a plurality of individual nodes, the amount of credit services available to a plurality of individuals included in the group By designating the limit or the use place by group, it is possible to prevent problems such as personal information leakage or personal information infringement in providing a credit service to an individual.

1 is a view for explaining a credit service providing system using a credit rating given to a blockchain-based group according to an embodiment of the present invention.
FIG. 2 is a block diagram illustrating a credit service providing server included in the system of FIG. 1.
3 is a view for explaining an embodiment in which a credit service using a credit rating granted to a blockchain-based group according to an embodiment of the present invention is implemented.
FIG. 4 is a diagram illustrating a process of transmitting and receiving data between components included in a credit service providing system using credit rating given to the blockchain-based group of FIG. 1 according to an embodiment of the present invention.
5 is a flowchart illustrating a method of providing a credit service using a credit rating applied to a blockchain-based group 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 credit service providing system using a credit rating given to a blockchain-based group according to an embodiment of the present invention. Referring to FIG. 1, a credit service providing system 1 using credit ratings assigned to a blockchain-based group includes at least one evaluated terminal 100, a credit service providing server 300, and at least one affiliated terminal ( 400). However, since the credit service providing system 1 using the credit rating given to the blockchain-based group 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, the at least one evaluated terminal 100 may be connected to the credit service providing server 300 through the network 200. The credit service providing server 300 may be connected to at least one terminal 100 and at least one affiliated terminal 400 through the network 200. In addition, at least one affiliated store terminal 400 may be connected to the credit service providing server 300 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 evaluated terminal 100 is clustered into a group using a credit service related web page, an app page, a program or an application using a credit rating assigned to the blockchain-based group, and belongs to a group in the blockchain. It may be a terminal. The at least one evaluated terminal 100 may be a terminal to which a group ID and an individual ID are granted, and may be a terminal to which a credit score is given to each group according to the held virtual currency, cryptocurrency, or trading status. have. In addition, the at least one evaluated terminal 100 may be a terminal that can make a payment or the like with a usable credit amount based on the credit score, or may be a terminal whose credit score is updated according to the credit situation. In addition, the at least one evaluated terminal 100 may designate a purpose for using the credit service by voting or the like, and the total amount of the credit service may be increased or decreased according to the increase or decrease of the credit score evaluated in real time or periodically. It may be a terminal, or may be a terminal to be repaid separately if the credit score is lowered. In addition, the transactions in the at least one evaluated terminal 100 may be monitored.

Here, the at least one evaluated terminal 100 may be implemented as a computer that can connect to 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. In this case, the at least one evaluated terminal 100 may be implemented as a terminal that can access a server or a terminal in a remote place through a network. The at least one evaluated terminal 100 is, for example, a wireless communication device that ensures portability and mobility, and includes navigation, personal communication system (PCS), global system for mobile communications (GSM), and 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 It may include all kinds of handheld based wireless communication devices such as an Internet terminal, a smart phone, a smart pad, a tablet PC, and the like.

The credit service providing server 300 may be a server providing a credit service web page, an app page, a program or an application using credit ratings assigned to a blockchain-based group. The credit service providing server 300 clusters the at least one evaluated terminal 100 in the blockchain into a group, maps and stores a group name (ID) and an individual ID, sets a credit amount for each group, and It may be a terminal for granting total credit available amount and limit to at least one evaluated terminal 100 included in the group. In addition, the credit service providing server 300 is to collect and share the information of the at least one evaluated terminal 100 to give a credit score for each group, to assign and manage the credit score for each group, to limit the use place Receive and collect rewards, such as interest and principal for the credit given by each group, and manage the risk by updating the credit score periodically or in real time at least one terminal 100 to prevent fraud It may be a server that monitors transactions between the two and automatically calculates a credit score through an artificial intelligence algorithm. The credit service providing server 300 may be a server that provides a credit card to the at least one evaluated terminal 100 so as to pay an amount corresponding to the credit score given by using the blockchain credit function. .

Here, the credit 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 affiliated terminal 400 receives a payment request of at least one evaluated terminal 100 using a credit service related web page, an app page, a program or an application using a credit rating assigned to a blockchain-based group. And, it may be a terminal receiving the approval request to the credit service providing server 300 and completes the payment processing.

Here, the at least one affiliated store 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 notebook equipped with a point of sale (POS), a web browser (WEB Browser), a desktop, a laptop, and the like. In this case, the at least one affiliated store terminal 400 may be implemented as a terminal that can access a server or terminal in a remote place through a network. The at least one affiliated terminal 400 is, for example, a wireless communication device that ensures portability and mobility, and includes 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.

FIG. 2 is a block diagram illustrating a credit service providing server included in the system of FIG. 1, and FIG. 3 illustrates a credit service using credit rating given to a blockchain-based group according to an embodiment of the present invention. A diagram for describing one embodiment.

2, the credit service providing server 300 may include a grouping unit 310, a storage unit 320, a calculation unit 330, a provision unit 340, a recovery unit 350, and a risk management unit 360. It may include.

Credit service providing server 300 according to an embodiment of the present invention or another server (not shown) that operates in conjunction with the blockchain-based group to at least one evaluated terminal 100, at least one affiliated terminal 400 When transmitting a credit service application, a program, an app page, a web page, etc. using the credit rating given to the at least one evaluated terminal 100 and the at least one affiliated terminal 400, the block chain based group is granted. You can install or open a credit service application, program, app page, web page, etc. using the credit rating. In addition, the service program may be driven in at least one terminal 100 and at least one affiliated terminal 400 by 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 grouping unit 310 may configure at least one node of the blockchain and group the evaluated terminal 100 corresponding to the at least one node. At this time, online P2P loans are rapidly increasing, and many small investors lend to those who need money through the online platform without going through financial institutions, and the debtor repays some of the monthly loans to investors. The low credit rating makes it an excellent alternative for medium-credit creditors and thin filers who cannot borrow from institutional financial institutions, and most financial institutions assign low credit ratings to customers without credit credit and financial transaction information. No loans will be made or higher interest rates will be set. As a result, there is less opportunity to use institutional financing due to an unreasonable credit rating system, which leads to a search for two financial institutions or savings banks. The domestic P2P lending market is also on the rise, and the amount of corporate and small business loans has increased recently. As a result, loans per case are also increasing.

In order to solve the problem of credit rating method and virtual currency, an embodiment of the present invention evaluates the credit function provided by the card company by evaluating at least one node, which is a node located in the block chain, on a block basis based on the block chain. It allows for replacements while still addressing privacy concerns and ensuring accurate credit ratings. In this case, the group may be specified by grouping the plurality of nodes in the grouping unit 310, or may be specified in a manner that a plurality of nodes are bundled by the application in the enterprise, but various methods can be applied without being limited to the above-described embodiment Will be self explanatory.

Accordingly, the storage unit 320 may map and store an identification code of at least one evaluated terminal 100 in a grouped group and an identification code of a group to which the at least one evaluated terminal 100 belongs. . That is, in order to form credits (credits) for each group instead of individuals, information must first be collected and shared. For this purpose, the storage unit 320 includes information on which the evaluated terminal 100, which is each node, is active in the blockchain. The process of collecting and reflecting the credit rating is necessary. Since the credit rating model itself may not be driven when the activities of individuals are small, one embodiment of the present invention initially presents a new concept model for rating credit by group, not by individual. Of course, it is clear that the method of credit evaluation by group can be applied not only in the early stages but also in the latter half. For example, it is a concept that provides ten participants who operate nodes of A coin to be used for credit according to the activity and scale of node operation.

To this end, a function of defining affiliation relationship between individual ID and group ID is required. You should be able to manage and share who belongs to which group and what basic and activity information you need for credit scoring by ID. Among the evaluating terminals 100 who have been given a personal ID belonging to the group, who belongs to their group, how many total credits are available, why the credit limit occurred, and who is using the credits? You should be able to query it so that you know Accordingly, the storage unit 320 collects, aggregates and shares the above-described information.

The mountain government 330 may assign and manage a credit score for each group. That is, the calculation unit 330, the type and quantity of the virtual currency held by the at least one evaluated terminal 100 in the group, the transaction status of the virtual currency, the holding period of the virtual currency, whether or not the credit has been provided, and The financial activity value of the group may be calculated by combining at least one or at least one data of the type and amount of the loans received and whether the repayment of the loans has been made. That is, credit scoring is evaluated by evaluating financial activities such as the total size and fluctuation of owning a specific currency, such as coins or tokens, for each of the terminal 100 to which an individual ID belonging to a specific group ID is assigned. It is part to give. For example, who owns and sells the blockchain's coins in the blockchain, such as estimating credit (credit) by evaluating how much property they have and how much cash they have. Credit scores by calculating economic activity values for each group ID, including how long you hold, how long you spend your coins, how much you have received a credit, how much you have received a credit, and how much you have repaid your credit. Can be. It will be apparent that the factor for assigning the credit score is not limited to the above-described parameters but may be added or deleted according to the embodiment, and is not limited to the above-described factor.

At this time, the method for assigning a credit score may be various, it may be the most common to consider the credit rating. Here, credibility means the ability to attain an economic value by promising to pay the wait at some point in the future, but if it fails to produce an accurate credit rating, market failure or misleading As the possibility of loans increases, it is very important to secure the accuracy and reliability of the credit rating. For this reason, institutions that perform credit ratings are making great efforts to apply new techniques and expand available data to improve the accuracy and reliability of credit rating results. In one embodiment of the present invention, big data and machine learning may be used. .

In this case, machine learning is often mixed with data mining because the same classification and clustering methods used for machine learning are used in data mining. Solving problems using techniques and models, such as classification and predictive clusters, is called machine learning from a computer science perspective and data mining from a statistical perspective. At this time, the analysis method that can be used, artificial neural network model, multivariate discriminant analysis, logit model, next decision tree model, logistic regression model and SVM (Support Vector Machine) model, Bootstrap method A modified Bagging Predictors, a boosting neural network ensemble technique, a random forest model, etc. may be used, but are not limited to the above.

In one embodiment of the present invention, the credit rating model may be used for the credit rating model from the supervised learning (classification) model from the machine learning perspective. Supervised learning is an estimation of a function for prediction or classification from training data. It refers to predicting or classifying the value of a dependent variable using an independent variable. Therefore, the data for supervised learning require dependent and independent variables. Representative supervised learning models include linear regression model, logistic regression model, decision tree model, neural network model, random forest model, SVM, etc. In one embodiment of the present invention, logistic regression model, decision tree model, neural network model It is available. The decision tree model is a method of classifying and predicting decision rules in a tree structure. The tree-forming algorithm of the model may use Classification and Regression Trees (CART), Chi-squared Automatic Interaction Detection (CHAID), or C4.5 (or C5.0).

The CART algorithm performs binary splitting on data consisting of independent variables and dependent variables according to the characteristics of the independent variable, and determines whether to separate them by the Gini index, which indicates the purity of nodes. When a group is classified by a specific variable, the group is divided by calculating the probability that the individual of the remaining group is selected from one group, and the purer the group, the smaller the value and probability of the Gini index. The biggest advantage of the decision tree model is that it is easy to understand because the classification rules can be identified through a diagram of the tree structure. It can also handle continuous and categorical data at the same time and can be used to analyze missing values in certain variables.

The neural network model is a field of pattern recognition that is developed for human brain function and includes processes to minimize errors by acquiring past experiences and knowledge, and does not assume any statistical distribution. The most widely used model among various neural network algorithms is the Milti-Layer Perceptron (MLP) neural network. The multilayer recognizer neural network receives data through the input layer and processes the linear combination of the variable values transmitted from the input layer as a nonlinear function in the hidden layer and passes it to the output layer or another hidden layer and finally the output result through the output layer. Calculate The advantage of the neural network model is that it can find nonlinear relationships between data. In addition, in order to determine the evaluation suitability of the model described above, a holdout method using validation data, a k-fold cross validation method using k divided data, and The bootstrap method can be used.

The provider 340 may provide a credit score to a group and provide a credit based on the calculated economic activity value. Furthermore, it is possible to issue a blockchain-based credit card equipped with a credit based on the economic activity value and credit score of each group, and the credit card can be used in the merchant terminal 400 which receives the payexpress payment. Can be. In addition, the total usable credit amount and credit limit granted to the group, the credit usage status data of the at least one evaluated terminal 100 belonging to the group, and the reason for the credit limit are generated may include at least one member belonging to the group. At least one terminal 100 may be inquired so as to be shared between the terminal 100 under review.

The recovery unit 350 assigns a credit score to the group based on the economic activity value calculated by the providing unit 340 and provides the credit, and then provides the credit service providing server in the evaluated terminal 100 included in the group. When the credit service provided by 300 is used, the interest for the used credit service may be requested to the evaluated terminal 100 using the credit service or at least one evaluated terminal 100 included in the group. In other words, depending on the size of the loans provided by each group in the ecosystem that uses the coins or tokens of the blockchain, and the extent to which the use or amount of money is limited, operators that provide the blockchain ecosystem or blockchain payment means in a specific group like interest An alternative to paying interest and paying back the principal is required. At this time, because it may cause misunderstanding due to similar receiving behavior, it is possible to promote the business in the form of receiving only principal repayment without an interest concept. Here, the similar receiving act is defined as an act of raising funds from an unspecified number of persons without being licensed under other laws or without registering or reporting.

Meanwhile, in one embodiment of the present invention, the at least one evaluated terminal 100 included in the group may limit the use of the credit available in the group through the voting of the at least one evaluated terminal 100. . In other words, the initial form that restricts the use to a static place that can be used in the form of receiving a credit by group ID, operating additional nodes, shopping in a coin or token ecosystem, renting a car, adding oil, or eating food, etc. May be required. In the future, if you obtain this group's consent by extending it, you can apply the concept that can be used by individuals belonging to the group in other places. For this purpose, Pfeiffer Express provides a list of groups for each group and restricts the groups by group ID. This can provide a way to reduce risk.

The risk manager 360 may be provided to correct a credit score or manage risk. That is, the credit score may be updated in real time or periodically, and when the updated credit score cannot be repaid to the credit provided to the at least one evaluated terminal 100, the credit amount provided is recovered for each individual. Risk management can begin. In other words, once a credit has been set, it cannot be maintained even with the change of various parameters. Therefore, it is necessary to continuously adjust the credit score according to the changes in the group's asset holdings and economic activity. If it is difficult to repay the principal of the blockchain provided by each group, or if a specific individual withdraws from the group and the total economic activity index (value) decreases, the economic activity value and credit size of each group will inevitably decrease. In such a case, various risk management may be performed, such as a procedure for recovering the credit for risk management and a method of recovering assets such as coins or tokens managed by the group by individual ID when a final failure occurs.

In addition, an embodiment of the present invention may perform a method for detecting an insider transaction or an abnormal transaction as a fraud prevention method. For example, comprehensively analyzing various collected information such as FDS, Fraud Detection System, terminal information, access information, and transaction details used to detect suspicious transactions and block abnormal financial transactions. System) can be used, but is not limited thereto. In particular, various scenarios (specified capital, investment, etc.) and risks that are determined to be abnormal financial transactions can be predicted or analyzed in advance to detect and respond to abnormal signs. You can also identify abnormal transactions by group within the blockchain.

In other words, even if the blockchain has given credit scores based on the economic activity value of each node's activity, etc., the cheating is likely to cause more coins or activities to receive more credit (to spend more money). Some users may occur, and a method for preventing this is required. Pay-per-press can be used to identify suspected fraud patterns by incorporating AI technology in the long run to prevent fraud. In the early days, the nature of bicycles between wallets in a particular blockchain was excluded from the value calculated for economic activity, so that activity could be assessed by incorporating a technology that could prevent cheating for each variable of economic activity.

The credit service providing server 300 according to an exemplary embodiment of the present invention may increase or decrease a credit score by identifying an illegal transaction between at least one evaluated terminal 100 in a group through an artificial intelligence algorithm. In other words, AI can be used to automatically evaluate the credit in the blockchain, including a large number of variables, including how many coins or tokens are run in the coin platform, how much activity there is in the community, and coins in the designated platform. In addition, a method of automatically calculating the credit rating can be used by integrating key variables such as how many coins are held and how many assets are held in actual financial activities.

In addition, the credit service providing server 300 according to an embodiment of the present invention may provide an inter-country payment and remittance platform using a blockchain. That is, a configuration capable of transmitting money between electronic wallets of international users may be added. For example, one evaluated terminal 100 inside or outside a group may lend cash or a virtual currency to another assessed terminal 100, and may remit money using a blockchain to pay it back. Can be used. Here, the virtual currency is not limited to one kind. Accordingly, the existing international wire transfer network (SWIFT) can be changed to a platform according to an embodiment of the present invention, and if replaced with a transfer system utilizing blockchain technology, since it is a direct transaction method, a local account is unnecessary and the time required for the transfer. And dramatically reduce fees.

Here, if the credit contract is also handled by the blockchain, that is, when the contract is concluded based on the blockchain, all the contracts are disclosed transparently and the clauses are automatically processed. After that, when the goods go through a certain point where the mode is switched, a smart contract that reflects the blockchain is concluded and payment is automatically paid.

Hereinafter, an operation process according to the configuration of the credit 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 FIG. 3, (a) the credit service providing server 300 clusters the at least one evaluated terminal 100 into a group, assigns an ID (identification code) to the group, and includes the evaluated terminal included in the group. (100) by assigning the ID to the group ID and personal ID to map and store, (b) collect the information to give and manage the credit for each group (c) give credit score according to the economic activity value and use it Make credit services available for each group. In this case, (d) the place where the credit service can be used may be limited, and may be modified to be added or reduced through voting and initiation of consent of the evaluated terminal 100 as a group member. And (e) the credit score is modified to be updated periodically or in real time, and if the updated credit score is lower than the current amount and the amount used so far uses the credit service amount corresponding to the previous credit score, it is recovered by individual ID. A scheme may be implemented.

In addition, the method according to an embodiment of the present invention, by providing the individual or group information including the credit score given to each node to the outside to be used for profit business including marketing, the profit obtained from the profit business is a conventional company Unlike biasing in, it may be done in a way that individuals included in the group node share. That is, since the user's own information or the information of the group node including the user's own is the user's own, the revenue can be shared with the user when the revenue is generated using the user's own information.

Furthermore, an embodiment of the present invention may further include a series of processes in which the user actively manages and controls personal credit information and actively uses it in personal life such as credit management and asset management. In other words, one embodiment of the present invention, so that the user (user) himself can decide where to use his information, the customer's data (information) with a financial institution to compare and analyze the customer's consulting Can be. Accordingly, a customer (an individual in a group node) can decide as to shop where to allow his or her information to be used, and the information of the group node itself can be determined by a vote of an individual in the group node as well. have.

The matters that are not described with respect to the credit service provision method using the credit rating given to the blockchain-based group of FIG. 2 and FIG. 3 are described above. Since it can be easily inferred from the same or described with respect to the content described for the description below will be omitted.

FIG. 4 is a diagram illustrating a process of transmitting and receiving data between components included in a credit service providing system using credit rating given to the blockchain-based group 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, the credit service providing server 300 receives a credit service from the evaluated terminal 100 (S4100), binds each evaluated terminal 100 to a group, and then assigns a group ID and an individual ID. Save it (S4200). In addition, in order to set the amount of credit services to be provided for each group, after requesting the economic activity data of each evaluator to the at least one evaluated terminal 100 and collecting from the at least one evaluated terminal 100 (S4300) In order to calculate and use the credit score for each group (S4400).

In addition, the credit service providing server 300, if an event for inquiring the credit status is received from the at least one evaluated terminal (100) (S4500) to share it so that it can be viewed (between terminals in the group, S4600), where to use If there is a request for the addition or deletion of the license, it may be restricted or allowed in the form of giving the right of consent through voting (S4700, S4800). When the credit service providing server 300 requests payment using the credit service from the at least one evaluated terminal 100 to the affiliated store terminal 400 (S4810), the approval received from the affiliated store terminal 400 is received. After querying the use place and the limit for the request, it transmits the approval to the affiliated store terminal 400 (S4830).

Meanwhile, the credit service providing server 300 collects economic activity data of at least one evaluated terminal 100 periodically or in real time to update the credit score (S4840, S4900), and the credit amount currently being serviced is If it is larger than the credit amount based on the updated credit score (S4910), the recovery is performed for each individual (S4920).

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.

The matters that are not described for the credit service providing method using the credit rating given to the blockchain-based group of FIG. 4 are the credit service providing method using the credit rating applied to the blockchain-based group through FIGS. 1 to 3. Since it can be easily inferred from the same or described with respect to the content described for the description below will be omitted.

5 is a flowchart illustrating a method of providing a credit service using a credit rating applied to a blockchain-based group according to an embodiment of the present invention. Referring to FIG. 5, the credit service providing server configures at least one node of the blockchain and groups the evaluated terminal corresponding to the at least one node (S5100).

Then, the credit service providing server maps and stores the identification code of the at least one evaluated terminal in the grouped group and the identification code of the group to which the at least one evaluated terminal belongs (S5200), and at least one in the group The type and quantity of cryptocurrencies held by the assessed terminal, the transaction status of the cryptocurrency, the holding period of the cryptocurrency, whether or not the credit was provided, the type and amount of the credit provided, and the repayment of the credit provided The financial activity value of the group is calculated by combining at least one or at least one of the data on whether the data is lost (S5300).

In addition, the credit service providing server gives a credit score to the group based on the calculated economic activity value and provides the credit (S5400).

The matters that are not described for the credit service providing method using credit rating given to the blockchain-based group of FIG. 5 are described above. The method of providing credit service using credit rating applied to the blockchain-based group through FIGS. Since it can be easily inferred from the same or described with respect to the content described for the description below will be omitted.

A credit service providing method using credit rating given to a blockchain-based group according to an embodiment described with reference to FIG. 5 includes a recording medium including instructions executable by a computer such as an application or a program module executed by a computer. It can also be implemented in the form of. 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.

Credit service providing method using a credit rating given to a blockchain-based group according to an embodiment of the present invention, the application basically installed on the terminal (this includes a program included in the platform or operating system basically mounted on the terminal) Or 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 credit service providing method using credit rating given to a blockchain-based group 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. It may be recorded in 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 credit service providing server running in the credit service providing server,
Grouping at least one node of the blockchain and a terminal under evaluation corresponding to the at least one node;
Mapping and storing an identification code of at least one evaluated terminal in the grouped group and an identification code of a group to which the at least one evaluated terminal belongs;
The type and quantity of virtual currency held by at least one evaluated terminal in the group, the transaction status of the virtual currency, the holding period of the virtual currency, whether a credit has been provided, and the type and amount of the provided credit; Calculating a financial activity value of the group by combining at least one or at least one of data on whether the repayment of the provided credit has been made; And
Assigning a credit score to the group based on the calculated economic activity value and providing a credit;
The credit service providing server identifies the fraudulent transactions between at least one evaluated terminal in the group through an artificial intelligence algorithm, and increases or decreases the credit score, using abnormal financial transaction detection system (FDS). Predicting and analyzing scenarios and risks judged to be financial transactions, detecting and responding to abnormal signs, identifying abnormal transactions by group in the blockchain,
The credit is provided to the at least one evaluated terminal included in the group by issuing a blockchain-based credit card on which the credit is mounted based on the economic activity value of each group and the credit evaluation score. Used at merchant terminals that accept payexpress payment
Credit service provision method using credit rating granted to blockchain based group.
The method of claim 1,
The total available credit amount and credit limit granted to the group, credit usage status data of at least one evaluated terminal belonging to the group, and the reason for the credit limit are generated may include at least one credit belonging to the group. A credit service providing method using credit rating given to a blockchain-based group, which can be queried by the at least one evaluated terminal to be shared among the evaluation terminals.
The method of claim 1,
At least one evaluated terminal included in the group limits the use of the credit available in the group through voting of the at least one evaluated terminal, the credit using credit rating given to the blockchain based group How we deliver the service.
The method of claim 1,
After assigning a credit score to the group based on the estimated economic activity value and providing a credit,
If the credit terminal provided by the credit service providing server is used in the terminal to be included in the group, the interest on the credit service used is at least one evaluated terminal included in the credit terminal or the group Requesting to the terminal;
It further comprises, credit service providing method using a credit rating granted to the blockchain-based group.
The method of claim 1,
The credit score is updated in real time or periodically,
If the updated credit score is unable to repay the credit provided to the at least one evaluated terminal, the risk management to recover the provided credit amount for each individual is to be given to a blockchain-based group. To provide credit services using accrued credit rating.
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